BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-21
Company: WELLS FARGO & COMPANY
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
When reconciling my account at Wells Fargo, I noticed that there were identical charges listed. Scanning back in time I found several duplicate entries. 

I found duplicates on XX/XX/XXXX for two locations, and then on instance on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I contact Wells ' customer service and was told the would be 'researching the issue '. They issued a provisional credit to my account, and some weeks late the 'provisional ' nature was removed. 

I'm writing because I believe it's unlikely that my account is the only one in the country having this experience.

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 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My personal information was exposed in several data breaches, bank & credit was compromised, resulting in accounts being closed. All documents were sent via certified mail to the credit bureaus to request items be deleted from credit reports. As of yet, I have not received a response from documents dated XX/XX/2021.

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 2020-09-08
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of and this simply is not fair. Section 511 ( a ) it clearly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them promptly. I demand these accounts be deleted immediately or I will be forced to take action with the FTC. This has been truly stressful. My information was also impacted by the Equifax data breach and may have somehow gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The account is permanently restricted according to a message in the app. It has an account balance and recent deposit {$2400.00}. I received cyber bullying messages. My account and SS # has been accessed fraudulent. I'm patronized by the representative s I speak with XXXX. It's a Capital One debit MasterCard 360. I have XXXX credit cards with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have old or out dated information appearing on my credit report that I need deleted/removed it is mot accurate. 
My name is XXXX XXXX XXXX please remove any variations of my name. 
My current employer XXXX  XXXX XXXX XXXX XXXX The following addresses are not mine/inaccurate please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XX/XX/2023 Ive received A letter in mail saying I owe {$360.00} and I recently have issues with my ssn fraud is the cause

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: CITIBANK, N.A.
State: MD
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 received an email earlier through XXXX XXXX was still working on the issue. At XXXX I received an alert there has been another change. Both accounts were settled same day with Sears not as reported by CBNA/SEARS through XXXX XXXX XXXX  for 3rd party disclosure adversely and drastically affecting my credit score within 15 days.

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 2018-02-15
Company: TRANSWORLD SYSTEMS INC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Payments to XXXX XXXX XXXX/Transworld : XX/XX/XXXX {$150.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$710.00} Total : {$990.00} This company had garnished my taxes last year on XX/XX/XXXX and I had made payments towards the balance due the previous dates listed above as well, but because of them charging me interest ( about XXXX $ ) every month, It had built up to the same amount balance I owed last year. Therefore I am just repaying the same amount I paid last year and the remaining balance due. Which is basically paying the total debt amount due twice instead of one time. Ive called the supervisor twice to resolve this issue and the company itself several times to resolve this issue but theyre saying even with me setting up a payment plan theyre going to charge me about XXXX $ a month anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: DISCOVER BANK
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Discover it card. The card is prepaid. I was going to use it to help repair my credit. During the application process I had to give them my banking information and deposit {$200.00} in order to get my card. Discover took my money and about 10 days later started to act hostile. They sent me an email in which they wanted me to fill out tax papers suppose for identification. Bare in mind Discover has already taken my {$200.00} and accessed my bank account. So to turn around now and tell me that they don't know who I am doesn't pass the smell test. 

1. They have my banking information 2. They had my SSN 3. They had my money ( prepaid credit card ) If anything I'm the one taking the risk. Then to top it off when my card arrives and I go to activate my card they want to restrict my card. I paid them {$200.00} of my hard earned money and they are telling me that if I use my card they will deny any thing I buy. 

I suspected it was because I am XXXX American and I told them to refund my money. Not sure that they will. Pretty sure what was suppose to happen was that they were suppose to just activate the card and wish me a good day. 

If they were going to reject me then don't take my money from the beginning. They already had all of my personal information. 

XXXX people have a hard enough time getting credit. But to be treated like a third class citizen ... it's a prepaid card ... my money! 

I think I was discriminated against. Card activation is suppose to be a simply process. 

XXXX XXXX XXXX Card number : XXXX Please help me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Experian Information Solutions Inc.
State: IN
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:
XXXXXXXX XXXX. Billed me for an account i never opened, including landline telephone service, when I don't even have a landline in my home. After many calls to XXXX they admitted they error and said they would fix it. I found a collection on my credit report to Experian, filed a dispute. XXXX is claiming it's valid and remains on my credit report. Again, I have never had nor will ever have any accounts or services with 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 2018-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have old or out dated information appearing on my credit report that I need deleted/removed it is mot accurate. 
My name is XXXX XXXX XXXX please remove any variations of my name. 
My current employer XXXX XXXX XXXX XXXX XXXX The following addresses are not mine/inaccurate please delete : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 2023-04-13
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:
Transunion has violated my right to privacy, According to 15usc1681 ( a ) ( 4 ) - ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I have a right to privacy as a federally protected consumer. Transunion has also never proved that they had permissible purpose under 15usc1681b ( a ) ( 2 ) which says that 15usc1681b ( a ) ( 2 ) - Subject to subsection ( c ), any consumer reporting agency may furnish a co
nsumer report under the following circumstances and no other : ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

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 2021-07-02
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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a degratory mark on my credit. I received a letter said I owe XXXX for medical bill. I do not recall and do not owe them money. I contacted them, a girl said a doctor put my name on their system so they charged me. I asked for the doctor she said they dont know. I asked her to dispute it, she said she will and I told her I know this is a scam. I do not owe any medical bill. If I ever did I already paid for them. And this letter is go green something. I looked it up it is a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I initiated a transfer of funds, {$1000.00}, from my previous bank account with XXXX XXXX to Citibank Online. I had opened a checking account on XX/XX/2021 with Citibank Online. On XX/XX/2021 I had tried to transfer more money into the account only to receive an error saying that Citibank was not responding. 

Upon checking my email following the above, I filled out a documentation form requesting my drivers license and a proof of address. After this I called customer service for Citibank. 

I spent the next four hours speaking with various customer service representatives over the phone and using the chat function on the Citibank App. I was informed that my account had a hold on it for a {$0.00} transaction that was only visible to the customer service representatives, and not to me. Thus my account is under investigation for next 7-15 business days. With no way to resolve it. I was also told that I could not expedite the process, even though all funds I possess were in that account. I was also informed I could not transfer my funds out of the account, nor access them in anyway until the department was finished with the investigation. I was never able to speak with a supervisor or manager upon request to verify this information, though I requested to do so multiple times. My money is on hold for no discernible reason. I also was hung up on by customer representatives multiple times, and treated without care or resolving my issue. I was also refused the number of the team that would actually be resolving the hold on my account, being told that the " backroom team '' would be taking care of it.

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 2021-07-01
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
When monitoring my credit I noticed that a Collections account from Ad Astra Recovery showed up on my 3 reports in the amount of {$6200.00} with the original creditor showing up as XXXX XXXX or XXXX XXXX XXXX. I have no information about this account or this amount of money that I supposedly owe. In XXXX, XXXX and XXXX of XXXX  my mail box was broken into 5 times even after changing the locks in the complex that I live. I had Credit Cards opened in my name that I took care of immediately and a Jewelry line of credit opened in my name that I took care of immediately. All which were identify fraud. I have never heard of this company and I did not take out this money. This is Identify Fraud and I would like this account removed from the 3 credit agencies. I have been disputing this account with them credit agencies for 6 months but it has yet to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
They have a high Balance of {$27.00} and a balance of {$13.00} how much was the car sold in auction and how much is owed on the vehicle. I had a good relationship with Honda Financial and I was wondering how I can come back and purchase a vehicle and wave the extra fees owed?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
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:
XXXX, XXXX XXXX XXXX, XXXX XXXX SD XXXX did an Hard Inquiry on XXXX XXXX. 2017. on my credit report. This hard inquiry occurred without my permission!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: PRIMARY RESIDENTIAL MORTGAGE
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hope all is well. I was in the process of applying for a mortgage loan, I was told that I was preapproved but additional paperwork is necessary. I met with a Mr. XXXX XXXX from Primary Residential Mortgage , Inc. from XXXX Rhode Island. I handed over W2s, bank statements and paystubs of mine and my wifes. This pandemic come about shortly after and I heard nothing from Mr. XXXX. However, a couple months past and I assumed that I wasnt approved so I had asked for my paperwork back. I was told that it was mailed out a month ago. A couple weeks past still no paperwork. It has been two, three months and still no paperwork. So someone lost all that sensitive information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I opened up a cash app account I have {$340.00} in the account they have Frozen my account my debit card they send me don't work when I try to go to the ATM the giving me all this running around and I can not get my account on froze they asked to see my identification I sent them a copy of that and they still won't release my account so that I can receive and send money cash app is a member of square Inc and they're doing nothing to help my problem my name is XXXX XXXX My email is XXXX my phone # XXXX please help me get my account on froze

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX : TransUnion is reporting a payment status of current but then reporting late payments of 30 days late for XX/XX/XXXX, XXXX and XX/XX/XXXX, 60 days late in XX/XX/XXXX, XXXX is reporting a payment status of current but then reporting late payments of 30 days late for XX/XX/XXXX, XXXX and XX/XX/XXXX, 60 days late in XX/XX/XXXX and XXXX is reporting a payment status of current but then reporting late payments of 60 days late for XX/XX/XXXX, and 30 days late for XXXX and XX/XX/XXXX, XXXX : TransUnion is reporting a payment status of Late 30 Days but does not provide the dates the account was 30 days late, XXXX is reporting a payment status of Unknown and not reporting any late payments, XXXX is not reporting this account. The following accounts do not belong to me and should be removed from my credit file, XXXX : Account Number : XXXX TransUnion is not reporting this account, XXXX is not reporting this account XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$600.00}, XXXX XXXX : Account Number XXXX TransUnion is not reporting this account, XXXX is not reporting this account and XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$890.00}, XXXX : Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX with an unknown past due balance, XXXX is reporting an opened date of XX/XX/XXXX with an unknown past due balance, XXXX is not reporting this account, XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with an unknown past due balance and XXXX is not reporting this account, Chapter XXXX Bankruptcy Reference # : XXXX TransUnion is reporting a filed date of XX/XX/XXXX and a closing date of XX/XX/XXXX, XXXX and XXXX are not reporting this bankruptcy. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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