BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a purchase for concert tickets through the XXXX app using my debit card from Wells Fargo. The money was transferred immediately to the private seller and the seller never sent me the tickets. I contacted XXXX immediately and they informed me that as soon as the transaction was complete, that there was nothing they could do. I then proceeded to call Wells Fargo and opened a claim. The claim has been denied by Wells Fargo. Neither XXXX or Wells Fargo will refund my {$120.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been a customer with XXXX and XXXX credit for 6 years. I bought a new XXXX in XX/XX/XXXX and my first payment, due XX/XX/XXXX and paid XX/XX/XXXX was applied to a previous, closed account. XXXX reported 30 day lates to the bureaus for 2 months because of this. A letter was provided to me by XXXX that acknowledges the reporting error and internal correction. 

We have been in Escrow on a new house for our family of 7 but this dropped my score 100 points and made us ineligible for the loan. XXXX, who is working with our lender to get my credit score fixed, asked for the tense in this letter to be amended from future to past so that they can submit to the bureaus with a rapid request. That requires one single word to be changed from will to have. XXXX refuses to do that and now we have lost our home. I have been told that there is nothing left that anyone at XXXX can do to help. 

In 6 years, I have never missed or been late on a payment to XXXX. This has dropped my score so significantly that APRs on my credit cards have increased, while credit limits have decreased. 

XXXX told me on XX/XX/XXXX and multiple times since, that they have sent a letter of correction to the bureaus. Yesterday, XX/XX/XXXX, they admitted that wasn't true and just a nightly data feed is sent to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In the attached items, Are two accounts that I did not open, My mother opened those accounts in my name years ago and did not make me aware of them. It wasn't until I looked at my report myself and saw these accounts. I've filed three disputes however they were ineffective seeing as she used my name and social security number for these cards however they were used without my knowledge and There's not an available option for that circumstance, so i'm just trying to undo this mess

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My previous Complaint ID # : XXXX was not resolved told to resubmit. On XX/XX/20 at XXXX XXXX I went to Bank of America in XXXX to uses deposit money to the bank only the ATM machine was available my checking account. The ATM machine showed an error message and made usual noise with deposit cash an error. I deposited XXXX in cash only to discover with the error machine to fine that only showed {$100.00} deposited. I filed a report with transaction dispute bureau through the Bank of America consumer service XXXX. XXXX, a transaction dispute representative, that I deposited XXXX dollar in cash only deposit XXXX dollar and willing to help. I contacted Bank of America consumer service XXXX spoken XXXX to find that the claim was not result. I opened my Bank of America app on my cellphone to find out I showed contact XXXX different from Consumer service. The account was closed with no reason why at that point. Bank of America XXXX told me that reversed the amount no explanation was given either. The Bank of America supervisor was not willing to resolve the issue told me that the bank is not going to resolve this transaction. I told the representative that if you go to ATM machine in person there will be a {$300.00} difference. I told today on XXXX that there XXXX XXXX XXXX XXXX XXXX Extension XXXX. I went through this already before there is an issue the transaction with deposit money into ATM machine in XXXX. I wanted the money back in the form of a check to my address. I would want a supervisor from consumer financial protection bureau to speak to Bank of America supervisor. There is a problem with the ATM machine. I tried this before with no help at all. The Bank of America ATM machine number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality. 


Equifax Account US Department of Education XXXX XXXX XXXX XXXX, TX XXXX acct * XXXX XXXX Department of Education XXXX XXXX XXXX XXXX, TX XXXX acct * XXXX XXXX U.S.C. 1681 section 602 A : state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I've had reoccurring issues of not having access to cash from PNC bank. I've been told they couldn't fill a $ XXXX cash withdrawal which is absurd. Most recently on XX/XX/2021, I needed $ XXXX cash withdrawal when that account had over twice that " available ''. The branch said they cant fill that order, they didn't have enough cash .... in discussions with the bank manager there they had something like $ XXXX cash on hand and thus didn't think they could give me " so much '' of it. I dont know how that is even legal for them to refuse access to funds. I told them it's not acceptable to deny the cash and I need a resolution the same day ( was buying a car ). I had to drive 40 mins from home to a branch that had cash for me...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am constantly receiving information regarding foreclosure and advising me that I am late on my loan. This week alone I received 4 packets regarding loan modification and I did not request anything. I've asked citizens to inquire and stop this especially during this COVID19.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: HW Holding, Inc
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Letter of NON CONTACT. 
XX/XX/2023 XXXX included no debt confirmation or validation, no agreement to pay any unknown outstanding debts with any entity, including XXXX XXXX XXXX XXXX XXXX 

Statement includes copy of NON CONTACT to : Ky State Atty Gen, Consumer Protection ; Federal Trade Commission ; CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have made numerous calls to Transunion in regards to removing Credit Freeze on my account and being able to access my credit report and disputes and never received a call back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been trying to dispute this account multiple times and have not received the proper updates. The dispute started in XXXX of 2022 and it still has not been reflected in my credit reports from TransUnion and XXXX as being disputed. This is a violation of 15 U.S. Code 1681s2 - Responsibilities of furnishes of information to consumer reporting agencies- ( 3 ) as the account was not noted as being disputed within 30 days. Additionally, 15 U.S Code 1681a ( 2 ) ( A ) I states that transactions should not be included in a credit report, but this late payment is still being reported, resulting in another violation of the US code.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an XXXX  XXXX report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$5200.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$5100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$70000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/23 I agreed to and paid a settlement amount to XXXX XXXX XXXXXXXX on behalf of Midland Mangement group for 2 credit card debts for XXXX and XXXX. I continue to get calls from Midland Management about owing them the outstanding balance and they continue to dispute to XXXX that I still owe the full amount even though it was paid on XX/XX/23. It was closed by the courts and I have shared all of this documentation and yet am still being harassed by XXXX and they are dishonest in that I owe them any money as this has been settled. This company is by far the biggest scam and lies and should be closed down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reported Identy Fraud to XXXX XXXX XXXX numerous time I have sent them a copy of the police report and they still have it on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called XXXX  to discuss and dispute inquiries stating, " I was apart of their, " inquiry issue. '' One representative told me that, " they could not help me in the matter '', and that, " I was not apart of the inquiry scandal '', after calling, being re-routed, and hung up on, about ten ( 10 ) times in a row. These inquiries were deleted, then re-inserted onto my credit report, all done by XXXX  employees and/or A.I.. I gave them a list just to have them say that they can not help me. I have an inquiry identity theft report filed with the FTC and told them this. They refused to listen. What does it take to get these inquiries removed from my credit report after consulting the attempted creditor and furnishing the FTC identity theft fraud, inquiry documentation required by them, only to have most of them take longer than 30 days to respond or not respond at all. 
Inquiries and dates are as follows : XXXX/XXXX  : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX  XXXX  : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX   XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX : XX/XX/XXXX, XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX, XX/XX/XXXX, XXXX : XX/XX/XXXX Listed above are all inquiries questioned and hopefully now disputed, on my credit report XXXX I am attaching my FTC identity report for review and deletion purposes. Please remove all of these inquiries immediately per FCRA regulation and enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Name of the merchant : Pottery Barn Purchase date XX/XX/XXXX Bill date XX/XX/XXXX using Pottery Barn Private Label Credit card serviced by Capital One. Credit card was billed and transaction was posted before delivery was received. 
Purchase total {$2800.00} I filed a dispute with Capital One on XX/XX/XXXX and the dispute was denied as they stated the disputed needed to be filed within 60 days of purchase. 

On XX/XX/XXXX received the modern farmhouse round pedestal extending dining table, however, the table had several imperfections upon delivery. I notified Pottery Barns customer service immediately via phone and provided pictures of the imperfections and damage to the table via email. They stated they would send me a new table in XX/XX/XXXX. The date of the replacement table continued to be pushed out and is now slated for XX/XX/XXXX, more than a year after I received the initial table. I asked for the table in my possession to be returned. They agreed to pick it up for a full refund. 

I have had to call several times to find out when the credit should show on my credit card. Each time I was given a different story. I was first told the refund had been released and it would be XXXX to 10 days. After 10 days I called back and they stated the card declined the return and stated they would try again. I asked if they needed the card number to reprocess and they said no. I asked if someone could call me back to let me know if the refund went through and they said they dont call back customers. 
I called back on XX/XX/XXXX as no credit was showing on the credit card and spoke to XXXX. She stated she opened a ticket for her supervisor to find out what was going on and they would give me a call back. I never received a call back. She provided me with this confirmation number during the call XXXX. I called back on XXXX/XXXX/XXXX and spoke to XXXX. She informed me needed the credit card to place the refund. I gave her the credit card information. She stated I would have to call back and follow up if I did not see the credit within XXXX days. I called back on XX/XX/XXXX and spoke to XXXX. She stated they were working still working on the refund and it would be XXXX business days. 


Are you able to help me with my refund? 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
N. Accordance with the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation