BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I got a piece of mail that said if I started an account with Wells Fargo with a minimum deposit of {$25.00} and made 10 transactions using their debit card ( 2 of which over {$10.00} worth ) within 60 days, 45 days after completed those transactions I would get {$200.00} put into my account. So in XX/XX/XXXX I went to my local Wells Fargo with the piece of mail and deposited {$1600.00} as there is a monthly {$10.00} fee for accounts under {$1500.00}. Within a week I completed the requirements and waited until XX/XX/XXXX when I was suppose to get the {$200.00} bonus deposit and called them as I didn't see the deposit. They said it should show up in the next couple days. I called again XX/XX/XXXX and they said they would get back to me. I called again XX/XX/XXXX, they said they were doing research and would have it resolve. 

I call in again today and they said they didn't even see where they had done research or that I had any history of calling. They tried to tell me a completely different promotion and that I didn't qualify, but luckily I kept the piece of mail and all my paperwork from when I started the account and they had to back track. They kept me on hold the majority of the hour I was on the phone and repeatedly said they were going to resolve the issue today. They finally found my promotion and were asking me if I did all parts of the promotion, which I'm not sure why they are asking me that when they should be looking at my account for if I completed it. Finally they confirmed everything but then said I needed to go to my local branch to resolve the issue ... why didn't they just say that at the start if they couldn't resolve the issue after saying over and over they could resolve it? 

So then I go to the branch, and they tried to tell me the same thing about me not qualifying for some other new promotion they have going, and then I pull out the paperwork and they too back track. After about 10 minutes of explaining 'THEIR ' promotion to 'THEM ' she finally agrees that I qualified and gets on the phone. After sitting there for over a half hour she says she filled out the form and it will be another 7-10 business days. I said " Noway! I've spent almost 2 hours dealing with this today, and this bonus was due to me over a month and a half ago! '' I demanded they credit my account the {$200.00} and they said that only the manager can do that. I asked " will the manager be here tomorrow? '' and they told me " I do not know when she will be in ''.

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 2022-11-23
Company: EQUIFAX, INC.
State: NY
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 am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: FL
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:
Improper use of my consumer report. 
They are reporting late payments and that is against consumer law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: CITIBANK, N.A.
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:
Account was paid in full company cant produce a statement hoeing where the acct was paid in full or even if I still owed money which I do not

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 2019-10-31
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Harris and Harris Debt collectors uses a robo caller to call my home phone number incessantly. I've received dozens of " robo '' voice mail messages. Today, I was home from work so I answered the call myself. Again, it is a robo caller/recorded message telling me they are debt collectors. I have no past due debts. I recently refinanced my home and there was nothing negative on my credit report. Additionally, when I XXXX the telephone number, I discovered many, many similar complaints. The number is registered to XXXX XXXX XXXX, a lawyer and debt collector in Illinois. From my research, it appears he collects old debts for parking tickets and outstanding tolls. The biggest problem I see with this is, I live in California, and other than a layover at XXXX XXXX, I've never been to the state of Illinois. I've never driven in Illinois. I've never walked outside the XXXX airport! I've never taken my car outside of California. If I drive out of state, it is always a rental car. The rental car agencies pay the tolls and automatically bill the credit card they have on file for their customer. There is no possibility I owe a toll or parking ticket fine to ANY municipality. 

Harris and Harris Debt Collectors appear to be scam artists. XXXX is their phone number as it appears in caller ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/XXXX I went to XXXX hair salon located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX for the first time. I made an appointment for a XXXX XXXX retouch. The stylist did not use a barrier cream on my hairline, ears and neck. The stylist messed my hair line with XXXX XXXX, including over my ears and back of my neck. They tried to remove the excess XXXX off my skin at the shampoo bowl but was unsuccessful, they told me XXXX XXXX stains and it will come off within XXXX weeks. I was not happy being messed up all over my forehead, ears and back of my neck. I came home, called the store manger and asked for a full refund, she threatened me and said she was going to call the police as that is theft, I told her I was not happy with this service and this is a dispute. She was very rude to me. I then filed a XXXX review which contained pics of the XXXX XXXX  XXXX which shows areas that was messed. I also told her I paid for a professional service and it should have been done professionally. I filed a dispute with my credit card Capital One. They sent me a letter from the merchant stating that they would have corrected it within 7 days, however that was not offered to me and further more I did not need more XXXX on my skin, the stylist merely messed my XXXX retouch up with XXXX XXXX, I wasnt able to attend a birthday due to the XXXX stain over my ears, back of my neck and my hairline on my forehead. I have pictures as proof of my XXXX  XXXX mishap. I also have a copy of my XXXX XXXX to show I contacted the merchant on XX/XX/XXXX as well as Capital one customer service on XX/XX/XXXX but Capital One said I have to wait for the transaction to post to my account then only they can try and dispute it. The total charged is as {$95.00}, {$79.00} for XXXX XXXX  services, {$16.00} tip which I didnt think the stylist deserved for such an awful job of messing peoples skin up with XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: El Dorado Financial, Inc. DBA Omni Financial
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am on the do not call list and I got a call this morning at my work, from Omni Financial stating they got my number from public records to lower my interest. I am furious I received this call at work. XXXX How can they get my work no from public records and not show up as do not call list. 

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 explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, 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 XXXX XXXX XXXX. 

XXXX  XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights XXXX 

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.

The Credit bueau reported these accounts as verified. With no proof or validation records!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX Is calling me and family members I am no longer in contact with constantly. This is regarding a supposed debt from XXXX XXXX from 2012, which I have disputed. There is no outstanding account from this bank on my credit report. If indeed it is something from 2012, I find it ironic that they are calling me now to collect just under the seven year deadline. XXXX XXXX is using abusive threatening language, hanging up on me when I ask for documentation, accusing me of being unintelligent, and ar overall rude. I want these calls to stop immediately and Ive asked them to stop calling my family. They refused to do so and are threatening to come to my house with legal papers. I asked them to send me something in writing, which I believe is my right and they refused to do so. They tell me I have to get a lawyer to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
A bill of XXXX was sent to me from an Ultabeauty Mastercard credit card opened at Ultabeauty store in Florida. I called the company to stop future purchases and investigate the account and charges made with the card. They agreed to cancel the card and investigate fraud. They said they would notify me by mail after the investigation is completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: CT
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:
equifax has been reporting inaccurate personal information on my consumer credit profile for sometime now and all efforts by myself to get this wrong and inaccurate information completely deleted from the information housed by Equifax under my consumer credit profile has proved futile. i demand this inaccurate address information ( XX/XX/2021 CURRENT XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ) be deleted immediately but Equifax for some weird reason is adamant on violating my rights guaranteed under the FCRA guidelines passed by the united states house of representatives. Their flagrant violation of the law and blatant refusal to comply with the guidelines set forth under the fair credit reporting act has exposed and made me vulnerable to all forms of fraudulent activities which i have grossly suffered for. i demand that Equifax cease and desist from its continuous and perpetual violation of my guaranteed rights which daily compromises by identity and Delete ( XX/XX/2021 CURRENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) from my credit profile immediately. This information has been disputed, invalidated and deleted by both XXXX AND XXXX. Equifax is yet to live up to the same credibility. i have attached evidence of a screenshot with a highlighted portion of the information in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Experian Information Solutions Inc.
State: MI
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:
I received a denial for credit letter from XXXX to XXXX XXXX XXXX loan dated XXXX XXXX.I filed a complaint with CFPB on XX/XX/2019 complaint XXXX stating I never apllied for credit with this company.CFPB response was to file a complaint with DFIC.I did file complaint right away.I received another denial letter from same company dated XXXX XXXX through XXXX XXXX for a freedom plus loan.I inquired from simple path about a loan in XXXX XXXX path shows on credit reports for loans based on credit score/credit.I only inquired and now im getting denial letters.I never gave any companys permission in this complaint to run my credit for hard inquiries.I have noticed lately alot of calls from freedom plus to consolidate my debt for a fee or debt counseling/repair for a fee.I finally blocked there number cause they call alot

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 2019-04-02
Company: BB&T CORPORATION
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX of this year I made my XXXX payment for a XXXX ( this I admit was a few days late ) On this date I also made the payment for the next month ( Due XX/XX/XXXX ) On XX/XX/XXXX I then noticed that I was charged late fees for that month which was already made. I looked on my account and they applied my XXXX payment as a principal payment instead of toward the payment due. I emailed them and called them and they assured me it would be fixed. I then made my XXXX payment on XX/XX/XXXX ( due the XXXX ) and just saw late fees again and saw that they NEVER fixed the XXXX Payment made to a principal payment. 

Called again today and they are refusing to fix this.

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 2020-02-03
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a pre-paid cell phone account with XXXX that I opened in XXXX. In XXXX, I started receiving collection calls from I.C. System, a collection agency stating that I owed {$65.00} to XXXX that XXXX sold to collections. 

On XX/XX/XXXX, I called XXXX to find out what this amount was and why I had not received any communication from XXXX about this amount owed. I initially thought it was fraud and I called XXXX to find out more about it. They did not share any information with me about the debt and why I had not been contacted about it before it was sent to collection. 

I called the collection company on XX/XX/XXXX, I learned from the collection company that the cell phone number that is in collection is the cell phone I am using with XXXX to date. It is ACTIVE with XXXX and I am still using the account to date. XXXX NEVER contacted me about owing them {$65.00}. I never became aware of this debt until I was contacted by the collection agency. If XXXX had contacted me, I would have clarified for them that it was an error. The collection company also advised me to call XXXX to clear this up. When I tried to call XXXX again I was informed that I am not allowed to talk to a customer service representative and I should use the online options. 

I do not owe XXXX. The {$65.00} is an error on their part and if they had given me a chance I would have explained it to them. Please help me to have XXXX correct my record and not ruin 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 2019-10-31
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
So the issue I have is with the Bluebird service ... I was a customer for some years ... but in XX/XX/2019 everything was going well ... my employer was direct depositing my pay into this account when one day i got notice that my direct deposit was refused ... this occurred on XX/XX/XXXX along with an email stating i violated some sort of member rule. I tried calling them but as my phone number was linked to my account they simply wouldn't put me through to a person. At the time as my account was randomly closed i decided to sit and wait for a check of my balance on the card .... it ... NEVER ... came ... fast forward 7 months and we are now pushing XX/XX/XXXX ... and every month i'm getting a statement email telling me i have this money in my account ... however, my card is shut off, and i can't talk to anyone ... so essentially they are holding my money hostage ... I have all the emails to prove what has happened ... I just want my money back and to never ever ever EVER deal with bluebird again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11
Company: Bread Financial Holdings, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have several cards with Comenity, but my hot topic card recently had the credit limit DECREASED without notice except my alert from the credit bureau!! When I called in today they said it was due to some thing that was reported on my credit report, and my guess it was probably the charge-offs from affirm which I disputed, and they were successfully taken off!! comenity Bank said they mailed me a letter on XX/XX/XXXX which I never received!! my credit score has actually increase since XX/XX/XXXX! And technically this is causing my credit score to decrease!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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.

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation