BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-13
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
hi i deposit 2 check to wells forgo account the first one was amount XXXX its should be release by XX/XX/2022 now they holding this check until XX/XX/2022 also 2nd check which is my pay check its should release by XX/XX/2022 also put hold on it until XX/XX/2022 when called the bank they said funds are not available i contact my employer the check cleared from there end called again wells Fargo now its suspicious and I'm with wells Fargo for over 12 years

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 2019-08-10
Company: Experian Information Solutions Inc.
State: MA
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: Problem with personal statement of dispute

Complaint:
I was reported 30 days late in XXXX XX/XX/2019 for a credit card account with XXXX. I submitted a dispute to experian on XX/XX/2019. The experian update shows me 30 days late in XXXX and XXXX of XX/XX/2019. XXXX is reporting that the monthly payment due in XXXX was {$240.00}, however, the online payment portal showing payment due shows {$140.00}. I raised this issue in XXXX XX/XX/2019 with a phone representative, who explained that I was formerly in the Hardship Program paying $ XXXX monthly, yet upon completion of the Hardship Program in XXXX the online portal system had not yet been updated, and that I had missed a payment forfeiting the benefit of the Hardship Program. I was told that if I missed a payment then the full higher payment would be due, calculated to be the higher amount prior to the Hardship Program. HOWEVER, when I called XXXX to complain, the phone representative explained that if the Collection Representative who calls is not an employee within the Hardship Department they will not be able to read the consumers account correctly to advise them on the correct payment to be made. When the Collection Representative called me in XXXX and XXXX seeking payment they asked me to pay the amount posted in the online system. One also noted that I made a double payment in XXXX and did not understand why their computer system identified my name to be called. Also in XXXX the payment payment says the minimum due is {$240.00} by XX/XX/19. Yet the online PDF paper statement says the minimum due is {$530.00} by XX/XX/19. The portal has never reflected the amount {$530.00}. This is a miscommunication to me as the consumer. The payment portal should accurately reflect the minimum due for XXXX, which is {$530.00}. Consumers should be able to rely on the information in the payment portal and not have to double check by launching a PDF to confirm the accurate amount. Therefore, I think it is unfair to consumers for XXXX to have an expectation that consumers pay an amount that is different than what is posted in the payment portal. It is an unfair business practice for XXXX to list an amount due in the payment portal, yet print a different amount in the Statement that Collections Representatives have not been trained to discuss with Consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: EQUIFAX, 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:
My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number XXXX XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I needd you to remove the followinfg items off of my Credit File at the earliest posible time : 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 Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit reporting Act section 605b, I am requesting that you immediately remove the disputed items oof of my Credit File as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: ALLY FINANCIAL INC.
State: CA
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 already have asked this company to stop reporting activity on this charge off and provide a copy of the 1099C cancellation of debt form that they filed with the IRS, I have asked OlloXXXX to stop reporting it, cause according to IRS the 1099c becomes gross income not debt. That's reporting inaccurate and unfair, but they seem to not care about any compliance of the FCRA law. these are the violations they have incur.

15 U.S. Code 1681 ( a ) ( 4 ) Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting.

( 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.

According to 15 U.S. Code 6801 ( a ) ( b ) Protection of nonpublic personal information 15 U.S. Code 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) Obligations with respect to disclosures of 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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I revised my credit file and to my dismay, I see damaging reports that you failed to either CORRECT or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you to perform a logical investigation on these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts still on my credit report that were not open by me after this compliant was filed. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from my credit 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 2023-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
Kohls Department Store-paid off account in XXXX, made a small purchase after on credit card. In XXXX XXXX, my statements were switched to paperless-not be me-with an incorrect email address also. As soon as it was realized, account was paid in full. Told by Kohls for months ( XXXX XXXX ) that it would be updated as it was Kohl 's error, lied to repeatedly, told the credit bureaus were the ones who would n't fix it, etc. Kohls is refusing to remove the one time late payment being reported to the credit bureaus, when it was indeed Kohl 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: Law Office of R. Gary Shapley
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Mr. XXXX XXXX was trying to collect money from XXXX XXXX ( another company that has the similar name as my company 's name, but it is not my company ) I told him you have the wrong party, he filed a lawsuit to get a judgment against my company although the contract has the name of another company that is not my company. The person that signed the contract is not a member or an agent of my company. I did not sign the contract. Another name is showing there. I told them so. They said pay us {$2200.00} and we go away. I refused so he continued in a lawsuit. 

They sent an email stating they will pursuit the lawsuit if, I do not pay {$2200.00}. The lawsuit continued and the judge told them she has a problem with them having the wrong party. I paid a lot of money to fight them. They are debt collectors, third party debt collectors. They have a lot of cases in XXXX County for their client XXXX XXXX formerly XXXX   XXXX. 
I was looking for their bond to file a claim, it looks like they do not have a bond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been involved with multiple fraud alerts back to back, just terrible to timing, but XXXX XXXX in a high crime area, XXXX Michigan. First fraud was a web leak I think, that got resolved. The second one happened about a week after, someone got my debit card Information somehow and withdrew all of the money in my account and spent additional money sending me in overdraft. The withdraw happened in New York, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time. I think the fraud happened at a gas station where I used my card on XXXX. 

The following are the fraudulent transactions : XX/XX/XXXX : - {$63.00} at XXXX XXXX XXXX, XXXX XXXX, XXXX - {$500.00} withdraw, XXXX XXXX, XXXX - {$3.00} balance inquiry, XXXX XXXX, XXXX - {$3.00} foreign atm fee, XXXX XXXX, XXXX XX/XX/XXXX : - {$28.00} at XXXX, XXXX XXXX Plus overdraft fees because it was all of the money I had, that being {$35.00} overdraft fee

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

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX**** Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX GA XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: NC
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 identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
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: Account information incorrect

Complaint:
Regard : Account Number XXXX Consolidated with Account Number XXXX. 
Hi, Dear Sir/Madam 1. On XX/XX/2018, my son Mr. XXXX, and I signed a lease agreement with XXXX XXXX XXXX for XXXX, XXXX XXXX, Account Number XXXX. 
2. Since XX/XX/2018, and then after the signing the lease agreement, XXXX knowingly, willingly, and intentionally failed to report my Account Number XXXX because I was disputing my other Account with XXXX, Account NumberbXXXX. 
3. XXXX 's intention was to damage my credit score by its fraudulent reporting account number XXXX, while XXXX was not reporting my current account Number XXXX. 
4. I have contacted XXXX, which informed me that XXXX is reporting only your account number XXXX, which was negative reporting. 
XXXX. I contacted XXXX and told them to report my account number XXXX but to no avail. 
XXXX. Later on, I consolidated my two accounts as in my complaint with CFPB ID # 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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX XXXX  XXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Regard : Account Number XXXX Consolidated with Account Number XXXX. 
Hi, Dear Sir/Madam 1. On XX/XX/2018, my son Mr. XXXX, and I signed a lease agreement with XXXX XXXX XXXX for XXXX, XXXX XXXX, Account Number XXXX. 
2. Since XX/XX/2018, and then after the signing the lease agreement, XXXX knowingly, willingly, and intentionally failed to report my Account Number XXXX because I was disputing my other Account with XXXX, Account NumberbXXXX. 
3. XXXX 's intention was to damage my credit score by its fraudulent reporting account number XXXX, while XXXX was not reporting my current account Number XXXX. 
4. I have contacted TransUnion, which informed me that XXXX is reporting only your account number XXXX, which was negative reporting. 
5. I contacted XXXX and told them to report my account number XXXX but to no avail. 
6. Later on, I consolidated my two accounts as in my complaint with CFPB ID # 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 2019-08-10
Company: Bread Financial Holdings, Inc.
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:
Commenity Bank XXXX XXXX XXXX XXXX OH XXXX Woman Within Credit Card acct # XXXX A late fee was assessed to our Account on XXXX Statement charged us a late fee of {$28.00} We advised they bank in XXXX as well as in XXXX and the Bank shows that they spoke to us on XX/XX/XXXX and XX/XX/XXXX-at which time we updated our change of address and the customer services representatives did not properly up date their files and records to list our new change of address Customer Service Representatives now refuse to remove the 2 late fees charged to my account which is a result of their errors Their phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: SYNCHRONY FINANCIAL
State: PA
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:
On XXXX, I applied for a Lowes credit card through Synchrony Bank. I was immediately denied credit. The reason was that my credit score was XXXX. I did not think that was correct. I pulled my credit reports only to find my lowest score was XXXX. Where did they get the information? Now I can not apply to anywhere else because I do not know this information came from.

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 2023-01-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
PayPal permanently banned my account. I comply with their legal agreements and Acceptable Use Policy, but they instantly shutdown my account without prior notice. I don't have any filed cases and disputes with my account. I just don't know why they have to do this kind of act, they suddenly banned my PayPal account, without me knowing what did I do wrong that violates their policies?

So I hope they restore my PayPal account because this is not reasonable, banning my PayPal account instanly, while I am complying their legal agreements. I didn't do anything that will go against their policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: VA
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've identified information on my report that is a result of identity theft. These items are not related to any transactions completed by me.All old and out dated information leaves me more susceptible to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amongst 50 plus hard inquires, As well as 45 soft inquires on my consumer report showing up daily on all 3 bureaus.

Company response to consumer: Closed with explanation