BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2020 I made a XXXX transaction for an online purchase for XXXX I immediately tried to reverse the charge because I learned the seller was known for scams. I called Wells Fargo about 20 minutes after I made the transfer and the person from the bank said all he can do is put a fraud claim in, and they would get back to me. Nobody ever did. 
I called Wells Fargo on XX/XX/2020, and spoke with someone, and he told me the case was closed. He continues to explain that they have nothing to do with XXXX so Im basically out of the money. He continued to tell me I shouldnt use XXXX unless its family or friends, but I trusted it because its front and center on their web app.. and I had no idea there was no protection for anyone who uses their service. Highly disappointed with Wells Fargo being Ive been a customer for 25 years and use a service that they promote and they do nothing but say sorry. It was XXXX dollars that I lost and the bank will Do nothing to help Me

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 2018-01-12
Company: EQUIFAX, INC.
State: AZ
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:
we disputed public record of bankruptcy filed XXXX2009 credit bureaus claim account was verified. the court does not submit, furnish any info to any credit reporting agency. thus the credit bureaus are reporting data that is unverifable, inaccurate and were untruthful of how they conducted an investigation. 

additionally the age of said account is reflecting over 10 years which is beyond the reporting standards per the FCRA which places all the credit bureaus in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I recently made a call to Comenity Bank, the bank that financed an engagement ring that I have recently purchased. I called a couple weeks ago to set up future payments. I have never given authorization to take any funds out of my account until the date of my scheduled payments. I have been paying online prior to setting up future payments. Last week before lunch, I went to check my account and noticed that {$400.00} had been taken out of my account. I'm well aware that all calls are monitored and recorded, and I am fully aware of the conversation. I never authorized for comenity bank to take money out of my account for this reason alone. When I called to resolve the issue, the conveyed to me that they would have to investigate the situation. I didn't understand why it would be so easy to take {$400.00} out of my account illegally, but not return my money, which also lead to multiple overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: JPMORGAN CHASE & CO.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : JPMCB CARD Account Number : XXXX Date Opened : XX/XX/2013 Balance : {$1200.00} Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. Please remove them.

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 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I needed a credit report for when I changed apartments. I use TransUnion for this, but I only needed a single credit report. 

Three years later, after reviewing my latest credit card statement, I find out I have been charged {$19.00} a month since XX/XX/2017. I do not remember agreeing to pay for monthly reports, and there is no way I willingly and knowlingly signed up for this service. Plus, I have found many other complaints online about these predatory business practices, and that TransUnion was fined recently for such practices : The recommendations I found were to report directly to CFPB. 

The reason I have not been as diligent about checking my financing is that I started an intense XXXX XXXX XXXX around the same time. I am extremely busy and have limited capacity. Even more so, I cant afford these unwanted charges for an unwanted service. 

I have logged into my account and can not figure out how to terminate this service. I want it to stop immediately.

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 monetary relief
Consumer complaint received 2020-04-29
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received 6 calls from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and both are for XXXX XXXX XXXX. The debt collector has called 6+ times since XX/XX/XXXX - XX/XX/XXXX, and it is for a debt I do not owe on. The amount is {$1400.00} for a corporate AMEX owned by XXXX XXXX XXXX who was a previous employer. Also, they have submitted the collections to the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I'm being discriminated against. 

Capital One is refusing to help me on credit card ending in XXXX, but they have often helped and are currently offering my husband assistance on his card. Our scenario is identical. Same past due, same Covid 19, nearly the same balance, but they refused to help me. 

This complaint is that they have been treating me unfairly for several months. 

When my husband called for his account, his rates, bill balance, etc are all identical to mine. He gets a lot of different options, and better treatment than myself. 

Today I was refused help on my card. 

I wonder if it is because I am female? I wonder if it is because I have had to call the executive office and this is retaliation? Something is off, because I am unfairly denied any assistance. They have been very difficult in working with me, and he has noticed it too. 
We don't know what it is, but for some reason they are singling me out and targeting me to bully, harass, call even when I have made a payment, and now they are refusing to offer me Covid-19 Relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter on XX/XX/2019 congratulating me on my new line of credit with PayPal credit. I did not authorize, open, or request this line of credit. 

Upon investigation, I discovered that a line of credit in my name, with all my details, had been opened with Synchrony Bank under the guide of PayPal Credit. They put a hard inquiry on my credit reports to issue this line of credit, and my overall credit score was lowered as a result. 

An agent I spoke to in the ( arduous ) process of closing this unauthorized account let me know that PayPal has " upgraded '' some user accounts to this new credit line. Why, I don't know. All Synchrony can tell me is that the request came from PayPal, they can't differentiate between user triggered and " upgrades '' requested by PayPal. 

I contacted PayPal and inquired if this is what they had done and was met with a lot of obfuscation. First, I was directed to PayPal Credit. I explained ( repeatedly ) to XXXX XXXX, the agent, that I had spoken to them and that the information I needed would have to come from PayPal. I explained this several times. It was like I was not speaking. He continued to give me information about PayPal Credit and how to contact them regardless of how many times I told him that was not what I needed. 

I asked to escalate the chat and he said that he would but everyone would say the same thing because they're calibrated. He then said I would have to call PayPal Customer Service, that this wasn't possible to discuss on chat. 

So to sum up, a line of credit in my name was opened without my authorization, is the sole instance of fraud on my credit report, damaged my overall credit score by issuing a hard inquiry that I did not approve, took over an hour to close the fraudulent account speaking with multiple agents at Synchrony Bank ( who all gave me different " definite '' information ), and then when I inquired with PayPal directly to see if they had authorized this, which they fairly clearly did, PayPal fell conveniently deaf and/or off the record. 

Synchrony Bank didn't get my name out of thin air. PayPal is " upgrading '' customer accounts unasked and damaging their credit in the process in a misguided, illegal attempt to promote their new line of credit regardless of the cost to their customers.

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 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am filing this report because today XX/XX/19 I was made aware of some accounts on my credit report that aren't mine. These accounts were opened by someone named XXXX XXXX without my permission. I have no idea who that person is or why they opened those accounts in my name but I have already filed a police report regarding those fraudulent accounts. None of those accounts belong to me nor did I ever make any purchases or payments with any of those accounts. I do not have any contract/agreement with any of those companies and I did not give them permission to run my credit or view my personal information.

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 2018-11-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Have contacted all 3 major credit bureaus via phone and letters to challenge accounts that are not reporting to my credit report correctly either these are not my account or information is invalid either way they need to be removed and blocked. I received a letter indicating refusal of removal for the following accounts that need to be removed immediately : XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX   Bankruptcy, XXXX and Chapter XXXX bankruptcy.

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 2020-04-29
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My problem is linking my XXXX account to PNC. Also, your overdraft system is ridiculous. On my account I have No over-drafting set-up so that should mean you dont get overdraft charges especially if theyre not from writing a check. Every time that card is swipe you know it so how can you have an overdraft charge and if its from a fee that came through then you should not be charged because you have No overdrafts, Direct deposit, and always putting money in the account. 
This is why I am starting to transfer my banking away from PNC. It is a pain in the XXXX with everything you do at PNC. This is the year 2020 its about time you get with the program because XXXX and others like them are going to eliminate you and other banks like you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX # XXXX is reporting a debt I do not owe. This debt was for an XXXX XXXX which was returned shortly after I acquired it. This debt is also past the statute of limitations and it should not be owed.

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 2019-06-25
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX # XXXX is reporting a debt I do not owe. This debt was for an XXXX XXXX which was returned shortly after I acquired it. This debt is also past the statute of limitations and it should not be owed.

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 2019-06-25
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX # XXXX is reporting a debt I do not owe. This debt was for an XXXX XXXX which was returned shortly after I acquired it. This debt is also past the statute of limitations and it should not be owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Jon Barry and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have constantly disputed this collection as it is not mine. I have gotten repeated harassing phone calls from the debt collector and in process of seeking legal preparations for a law suit. The account in question belongs to my XXXX brother with the same last name and date of birth not me. Or SSN are 1 digit apart. This account is not mine and I want it removed ASAP from all credit bureaus to include XXXX, XXXX, and XXXX immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$3900.00}

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 2020-04-29
Company: Experian Information Solutions Inc.
State: TN
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 reached out to the bureau several times regarding a Bankruptcy showing on my file. In their investigation they stated verified. In my dispute i requested who verified those bankruptcy cases, they did not provide me a copy or documents of whom they spoke with. The bankruptcy courts have told me that they do not verify nor provide any information to credit reporting agencies, nor do they ever validate and or confirm public records to third parties providers who collect information proving public records. Therefore I have proof the bureau has never validated or verified these inaccurate public records on my report, which tells me they are in violation of FCRA. 
Case numbers are 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 2020-04-29
Company: EQUIFAX, INC.
State: TN
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 reached out to the bureau several times regarding a Bankruptcy showing on my file. In their investigation they stated verified. In my dispute i requested who verified those bankruptcy cases, they did not provide me a copy or documents of whom they spoke with. The bankruptcy courts have told me that they do not verify nor provide any information to credit reporting agencies, nor do they ever validate and or confirm public records to third parties providers who collect information proving public records. Therefore I have proof the bureau has never validated or verified these inaccurate public records on my report, which tells me they are in violation of FCRA. 
Case numbers are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There was a public record listed on my credit report that I disputed with Transunion since XX/XX/XXXX and to this day remains on my credit file and has negatively affected my chances of purchasing a home and obtaining credit. Transunion said that they VERIFIED the information with the court which is false as the courts DO NOT furnish information to the credit bureaus. The verification was never sent to the actual court or a real person from the court. So the fact that Transunion said it was VERIFIED is completely false.

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 2020-04-29
Company: Experian Information Solutions Inc.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX {$5800.00} BANKRUPTCY CHAPTER  XXXX XXXX {$0.00} BANKRUPTCY   CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2019-06-21
Company: TIDEWATER FINANCE COMPANY, INC.
State: TN
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 AM A VICTIM OF IDENITY THEFT. I WAS ADVISED BY THE FTC AS TO MY RIGHTS AS AN IDENITY THEFT VICTIM. I SENT AN AFFIDAVIT. I WAS CAREFUL TO INCLUDE ALL FRAUDULENT ACCOUNTS AND ADDRESS WHICH NEEDED TO BE REMOVED FROM MY ACCOUNT. IT HAS BEEN SEVERAL MONTHS AND XXXX   CREDIT BUREAU ARE STILL REPORTING THESE FRAUDULENT ACCOUNTS ON MY PROFILE.THE LAW IS VERY CLEAR AS TO CIVIL LIABILITY AND REMEDY AVAILABLE TO ME ( SECTION 616 & 617 ) IF XXXX FAILS TO COMPLY WITH THE FEDERAL LAW. XXXX HAS FAILED TO COMPLY WITH THE FCRA LAWS AND THEY HAVE NOT BLOCKED OR REMOVE THESE FRAUDULENT ACCOUNTS WHICH WERE OPEN BY THE THEIF AND NOT ME.PLEASE CONTACT XXXX ABOUT THEIR ILLEGAL BEHAVIOR AND HAVE THEM COMPLY WITH FEDERAL LAW AND RESPECT THE RIGHTS OF IDENITY THEFT VICTIMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Purepoint closed my online savings account on XX/XX/20 with no prior notification and without my permission. 

I received a phone call the prior week ( on XX/XX/20 ) from Purepoint asking me to call them back at their convenience. As I was traveling that week, I hadn't gotten the chance to call them back at the time of account closure. 

When I called Purepoint on XX/XX/20 to learn of the details of the account closure, they said my account was not in compliance with bank secrecy laws because they needed more information about the joint holder of the account ( my wife ). Purepoint says that they had reached out to my wife for further information ( emails and letters ) but she has no record of receiving either form of communication. 

As I see it, Purepoint gave us one week to call them back, which we didn't do in a timely manner, and promptly closed the account without further thought of ramifications.

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