BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: Bread Financial Holdings, Inc.
State: MO
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:
I received a bill for {$2200.00} for an IKEA credit card for a purchase made on XX/XX/2022. I've never opened a credit card account with this company nor purchased anything in the month of XXXX from IKEA. I have called Comenity Bank ( issuer of the credit card ) multiple times and they have only forwarded me to the fraud department. I have waited on hold multiple times for over 2 hours with no answer. They seemingly do not care that this account was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
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:
THIS ACCOUNT IS FRAUD AND COMPANY WILL NOT SEND ME A COPY OF THE ORIGINAL CONTRACT WITH MY SIGNATURE, WHICH THEY ARE REQUIRED TO DO BY LAW. SECONDLY THE CREDIT BUREAU HAVE NOT SENT ME A DECISION SINCE THE ORIGINAL FILING OF XX/XX/2020 WHICH AS OF TODAY HAVE BEEN 60 DAYS ..PLEASE ENFORCE THE REMOVAL OF THESE ITEMS OFF MY CREDIT REPORT PLEASE. IM ALSO FORWARDING A COPY OF A POLICE REPORT

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 2022-04-27
Company: EQUIFAX, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: CAVALRY INVESTMENTS, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 a debt validation letter was mailed to XXXX in regards to an account # XXXX. Letter received dated XX/XX/2020. A copy of the original consumer signed contract was requested, A calculation of the balance, documentation that shows this debt was agreed to be paid & a copy of state license & license #. A letter was also mailed to Calvary Portfolio Service. No where in their response was any of this information provided. I am demanded to see the original consumer signed contract immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I will be suing wells fargo for letting the felon criminal 's XXXX and XXXX XXXX to leak out my private information and how they told their friends to get them to laugh at me. Since wells fargo will not do anything to XXXX XXXX for her using her position as a district manager to do unethical and criminal things against me. I have no choice but to take legal action, since wells fargo choice to make a business decision to get involved on her behalf to close my checking account and telling me not to enter their bank. I will be filing legal action to sue wells fargo for defamation of character, XXXX XXXX  and XXXX XXXX. I have been patient beyond belief to no avail with wells fargo, they have pushed me to do this, they want to keep messing with my emotions. I can sue for someone falsely accusing me to take away something from you, this case my checking account. Wells fargo can not take away my civil rights. I was pressured by banker " XXXX XXXX '' at the wells fargo branch located on XXXX XXXX XXXX XXXX  XXXX in XXXX XXXX al XXXX. My insurance company uses wells fargo for their bank, so i had to come in to cash it. This was in XX/2013 and this banker named " XXXX XXXX '' would n't leave me alone to open a new bank account. She also made fun of my sons facial expressions, this is unprofessional for a banker to do. I did not want a checking account with them but she kept pressuring me to open one anyway. And this XXXX banker employee kept running my son back and forth harassing him. And to be treated like this by wells fargo even though I did not want a checking account is a pure insult. All i wanted to do was cash my insurance check and leave.

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 2023-09-10
Company: EQUIFAX, INC.
State: KS
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 XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 79 MONTH AUTO LOAN Date Opened XX/XX/XXXX High Balance {$22000.00} Closed on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
the following hard inquiries are fraudulent.XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I transferred {$90.00} to buy baseball tickets through my Chase Banking mobile app using XXXX. I used this form of payment because I believed it to be the safest way Since the payment would be linked directly into the other party 's bank account and has been promoted directly by Chase as a safe and easy way to send money. Of course they add " to people you know '' in order to protect themselves I see now. ( I thought, how could this be a scam if this transaction can be traced right to him, right? They have transaction records and know exactly who is accepting the money. ) He initiated the request. As soon as the money was transferred via XXXX he blocked my phone number and was unreachable via text or phone and I did not receive my emailed tickets. 

I contacted my bank which not only couldn't or wouldn't do anything about it, but didn't even have a phone number for XXXX! I'm in shock! Is it really this easy to get away with stealing people 's money this day and age with absolutely no recourse? 

Chase was able to tell me what bank the recipient 's account was ( XXXX XXXX XXXX ) at so I called them to inform them they have a scammer using their bank. There wasn't much they were willing to do either. I have the scammers name and phone number associated with his XXXX account so hopefully they do something about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
This card company said they have sent out a card for my benefits and I have not received a card yet.still waiting on a card and it's been a month since my employer filed claims on my behalf. Still waiting on the card so I can use it. XX/XX/XXXX will be two months. Can someone help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
EXPERIAN ILLEGALLY ATTEMPTED TO EXTRACT MONEY FROM MY OLD CREDIT CARD FOR SERVICES I DID NOT REQUEST. THEY WILL NOT LET ME ACCESS MY CREDIT REPORT AND I AM UNABLE TO CONTACT THEM TO INFORM THEM. 

EXPERIAN PUT AN ILLEGAL VICTIM STATEMENT ON MY REPORT. ( INCLUDED IN UPLOAD ) I DID NOT DO THIS AT NO POINT IN MY TIME. 
THE VICTIM STATEMENT HAS PREVENTED ME FROM OBTAINING CREDIT FROM SEVERAL DIFFERENT VENUES. 
ALL THIS IS ILLEGAL ACTIVITY BY EXPERIAN

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 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 2019-11-05
Company: EQUIFAX, INC.
State: AZ
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:
My XXXXXXXX XXXX XXXX XXXXXXXX Visa credit card is lost/stolen. The XXXX XXXX XXXX XXXX Visa account number is # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: IL
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: AMERICAN EXPRESS COMPANY
State: WV
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:
On monday when i get my unemployment check direct deposit i went on app to make sure it was there could not get on app called number on back of card was told my account was permanently suspended and not told why which i ask how to get my money back from which is over XXXX was told to write a letter to company to ask for it which i did and still no money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: JPMORGAN CHASE & CO.
State: NY
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:
I made an online purchase on XX/XX/2020 by XXXX XXXX in the amount of {$210.00}, using my Chase Sapphire credit card. On XX/XX/2020 I checked the status of the order through the tracking # provided, it came up that the order arrived on XX/XX/2020. Since I received no delivery, I reached out to XXXX on XX/XX/2020 and was told I need to check it with XXXX since they can not follow up past 7 days of delivery date. I tried to reach out to XXXX numerous times by phone and email but I received no response, evidently due to COVID. XXXX refused to credit me for the purchase as well, so I went ahead and disputed the charge with Chase. At that time I was told by Chase rep they will remove the charge and look into it. 2 billing cycles later I see the charge back as a REBILL for the full amount plus interest that I am paying till now. The reasoning they gave is that XXXX received a confirmation from XXXX  that the package was dropped off at the house. I tried numerous times to reach out to Chase and send them numerous letters as requested from them. They are only dragging me around and refuse to give me the credit. 
I believe this is extremely unfair and unjust, the package was a big box that I could not have missed, had it actually arrived, I looked out for it on a daily basis and don't think I could of missed it. I don't think it is my business what happened t the package or if the driver maybe stole it, the fact is, no one rang my bell and I do not feel I need to pay for something I did not receive. I do feel I should receive the full credit for this purchase plus the interest I am paying all these months. 
I have documented proof for all correspondence if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I placed three XXXX Payments through Barclay 's Credit Card. I've been making utility payment and bill payments through XXXX on many other cards for a year with no fees or problems. 

The payments were made on the following dates, with the corresponding charges, XX/XX/XXXX XXXX Payment for {$410.00} / Fee of {$20.00} XX/XX/XXXX XXXX Payment for {$360.00} / Fee of {$17.00} XX/XX/XXXX XXXX Payment for {$1200.00} / Fee of {$63.00} No where does it state that paying a bill by a service like XXXX cost 5 %, plus they are charging me interest on the cash advance Fee ( they were not cash advances ), all the way up until I pay for them, even though the bill for said interest is not due until XX/XX/XXXX. 

I explained to them that they weren't cash advances and I did not know they would be charged that and they refuse to credit me these charges 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 2017-08-09
Company: SYNCHRONY FINANCIAL
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXXI took a phone call from a debt collection representative at Synchrony Bank for an Amazon XXXX Store Card. The debt collector informed me that he was calling regarding my debt and that my account was still ACTIVE and OPEN and if I paid the past due amount, then I would be able to use available credit line that was on the card.
I informed the rep that the account had been closed in XXXX 2016. He said that was not true, that the account was OPEN and ACTIVE and that the past due amount needed to be caught up.
Over the course of the call, the collections rep repeatedly lied about the status of my account in an effort to coerce me into paying the past due amount.
According to the FTC regarding Debt Collection, Debt Collectors may not make false statements when they are trying to collect a debt.
The representative that called me on XX/XX/XXXXencouraged me to go to the Synchrony Bank website, log into my account, confirm that the account is open and make that payment there.
I checked my account on line and it is closed. I 've also confirmed what I already knew with a Synchrony Bank representative on XX/XX/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 2020-12-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed an account on my Equifax, XXXX  and XXXX  report since XX/XX/XXXX. Every time the credot bureus have sent back a dispute results letter stating that the account is valid, I want to know how an account that has been aged since the year XXXX is still reporting on my credit report going into XXXX, this account is past the timely statute of debt collection of 7 years per the Fair Credit Reporting Act, I looked it up and this company is violatiing my rights and my credit report so I want Equifax, XXXX  and XXXX  to delete this account immediately because it is incorrect and inaccurate information that is reporting and the credit bureaus lied about verification because nothig  has been sent to me as proof that this account has even been validated, I want it removed immediately please. 
Company Name : XXXX XXXX XXXX XXXX Account # XXXX There is another account that is reporting inaccurately as well and is past the time of debt collection limitations. The statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. This company should not even be reporting on my credit as well, so I want it removed from Equifax, XXXX  and XXXX  as well or I will have to take this creditor to court. 
Company Name : XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Lenders changed hands from XXXX to New REz in XX/XX/XXXX & XX/XX/XXXX, which in XXXX of XXXX I requested from XXXX to go into a 3 mos. forbearance, which they granted. But once new information from New Rez arrived there were no such offers extended. So made XXXX payment, which was suppose to cover XXXX & XXXX. But they applied it directly to XXXX. So when I called in XXXX to make another payment & discuss the issue with my statement -- New Rez switched me around & said they found the forbearance & took my payment, which was suppose to cover XXXX. But XXXX statement came with no such honoring of the deferred payments. Then the pandemic in PA in the 2nd week of XXXX. And now the New Rez is filing for Foreclosure, which still has funds in escrow that have not been applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On a previous complaint that was not yet responded to ( XXXX ), in the complaint itself, I had pointed out that XXXX XXXX had sent to the four credit bureaus to delete both my wife and I XXXX XXXX account from the credit bureaus reporting. So far, my XXXX XXXX account has been deleted XXXX or removed ), but not done for my wife. I had also since opened another complaint on this but thought I would resurrect the original complaint ( XXXX ) to help get this taking care of. Two out of the four credit bureaus have so far not honored XXXX XXXX 's request to also remove their account from my wife credit reporting, based on the document they sent us that would have put the original request that was dated XX/XX/XXXX I know I've opened quite a few complaints, with some of the responses seem to have been forgotten or maybe overlooked, but they are still not responded to. The need to have a response to these complaints have a lot to do with the various organizations that are assisting us to resolve the problems we've been having with inaccuracies in our credit reporting. Both my wife and I have not missed a payment on any of our debts going back to XXXX of XXXX, yet two of the credit reporting agencies have reported " few accounts paid on time '' that we are trying to get figured out for both of our accounts. So if we can get the XXXX XXXX accounts also for my wife deleted as they had requested going back to early XXXX, it will help us get a better understanding on why the credit bureau 's are reporting to others wrongful information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Experian Information Solutions Inc.
State: PA
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:
I submitted a dispute letter because their was inaccurate information reporting on my credit on XX/XX/2020. I then sent out another certified letter due to the bureau 's failure to respond to my dispute on XX/XX/2020. I still haven't received a response and it is well over the 30 days allowed for re-investigation. It has now been over 60 days, This is a direct violation of my rights given by the laws in the fair credit reporting act.

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 2020-11-20
Company: Asset Recovery Solutions, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/2020 a message from XXXX XXXX at XXXX was left on our departments voicemail stating I had a debt and who debt collector spill. I not only do not have outstanding debts with this company but they have been verbally warned not to call my place of work. They have repeatedly called leaving time in between each call.

Company response to consumer: Closed with explanation