BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-04
Company: WELLS FARGO & COMPANY
State: MN
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 got caught in a timeshare fraud while in XXXX. I charged about {$7500.00} on two cards. One was {$3500.00} to my Wells Fargo Visa card which they retuned to me but the {$3900.00} on my Wells Fargo XXXX XXXX card was rejected. Four days after I signed the contract on XX/XX/XXXX, I emailed the company and said I didn't want it. I again emailed the company on XX/XX/XXXX. I informed the credit card companies on that date also. The WF XXXX denied my request, saying I did not follow the directions on the contract to cancel in writing not email. I involved the Mn attorney general and they did what they could, including sending a letter to the address I had for the timeshare company but it was returned with no known address. The MN ag has had no luck with WF XXXX. They suggested I contact you. Thanks for any help you can give me. I no longer have the card.

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 2018-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On ( XX/XX/2018 ) XXXX of this year a request was made for the ( transunion ) credit reporting agencies regarding my credit file report to the credit reporting agency Transunion. ( FCRA ) Section 609 ( c ) ( 2 ) ( E ), a consumer reporting agencies is not required to remove accurate derogatory information from a consumer file, unless the information is outdated under section 605 or can not be verified. I challenge the credit reporting agencies to verify the negative credit event in the credit report by producing a copy of the " original creditors documentation '', not the veracity, but the bureau abilities to verify their veracity. I used section 609 of the ( Fair Credit Reporting Act ) law to demand the veracity of their credit reportingof my credit reporting file, and If they couldn't verify the data they have no right to continue to maintain it on their credit reports.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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

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 2020-12-01
Company: LEXISNEXIS
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:
Lexisnexis shows a judgement on my report for a XXXX XXXX XXXX, my name is XXXX XXXX XXXX. We live in the same city. Ihave filed 2 disputes with lexisnexis since XXXX. 
The second time I sent a certified copy of the judgement and the police report showing all of XXXX XXXX information as well as a copy of my driver 's license. None of the information matches. 
Lexisnexis says, for the second time, that they verified with the court and all information is correct so they refuse to remove it. I spoke with the court and they said no such inquiry was made and they have no information related to me in their files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX- XX/XX/XXXX, 26 transactions of {$40.00} and 1 of {$17.00} were posted to my Bank of America Debit card. The purchases were made at XXXX  and amounted in the loss of {$1000.00}. There weren't any alerts sent to prevent this fraudulent activity. 
I filed a complaint with Bank of America and was issued an adjustment credit of {$1000.00} on XX/XX/XXXX. The credit was issued during the pending fraudulent investigation. On XX/XX/XXXX Bank of America sent me a notice stating, '' We've completed our review of the above referenced claim and have determined that no error has occurred in this instance. We now consider your claim resolved. As a result, the temporary credit for {$1000.00} that was previously applied to your account will be removed on XX/XX/XXXX. '' On XX/XX/XXXX {$1000.00} was withdrew from my account by Bank of America, leaving the account with a negative balance of {$1000.00} and no way to receive my unemployment benefits until the deficit is resolved. 
On XX/XX/XXXX I called the help number given on the notice. I was on hold for 1 hour and a half. The claims representative was unable to tell me what evidence was used in the investigation to determine no fault was made by Bank of America or how long a second investigation would take. I was transferred to a supervisor, waited an hour, only to get disconnected without a call back. I called again and requested to speak with a supervisor but was notified the only way to be transferred to a claims supervisor was to wait in the claims queue again. I requested to speak to a supervisor from the number located on the back of my card. I was transferred to the supervisor name XXXX, told to hold, waited for 35 minutes and hung up on. I was hung up on by this supervisor two times. 
I then tried to reach out to Visa and was told they were unable to help because Bank of America is the issuer. I waited again for over an hour and spoke to a claims representative at Bank of America. I asked to speak to a supervisor, they would not transfer me because they needed a good enough reason. When I asked what proof the investigators had that I made those 27 transactions at XXXX, they couldn't answer. The best they could do was open a second investigation. They could not tell me how long this investigation would take.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX stating that they have notified all Three Credit reporting Bureaus to remove any account listed on the attached letter. I filed a case with the CFPB dated XX/XX/XXXX and XXXX XXXX XXXX stated that they notified the all three credit bureaus a month ago. The case number for reference is # 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 2021-04-26
Company: EQUIFAX, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Alorica 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: Account status incorrect

Complaint:
SST/XXXX is erroneously reporting debt on my credit file. I had a charge off with them that had been settled in XX/XX/2015and now they are reporting a balance on that charge off? I never received any notices or calls about this debt and it should not be reported to my credit file as i have settled my debt with them. I have attached a clip from my credit report where you an see this account and that i do not owe them any debt. I need it removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my report. 
on this day over 60 days later I have not received responds yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 day gives a reason to immediately remove those items from my credit report it been over 60 days so they should be deleted promptly. I'm asking these accounts be deleted immediately or I will have to file litigations due to the stress you caused me. My information was also impacted by the Equifax and XXXX Data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Radius Global Solutions LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
4 credit card accounts opened in XXXX under my name. Had been sold to 4 debt collection agency since. The following account are : 1. XXXX XXXX {$2300.00} / Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX {$4300.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) 3. XXXX XXXX XXXX, XXXX {$2800.00} / Original Creditor : XXXX XXXX XXXX ( Acct. Last Four # XXXX ) 4. Radius Global Solutions LLC {$4100.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) My personal data was stolen and I am now being sued. These are not my accounts and I have called the credit bureau but have done nothing but put my account in fraud alert in XX/XX/XXXX I can provide my credit information to prove my character as I have paid everything on time in the past. These account were all opened at the same time. I have called the creditors and they have not done anything to help me resolve these issues. No receipts or records were provided. When these occurred, I have just graduated school and could not afford the settlement they were asking and these were fraudulent. I am now being harrased by these debt collectors after years of not hearing about it. I've done all in my power to dispute these charges and I need help. I have filed a police report. Thank you!

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 2020-12-01
Company: Voss & Klein, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a collection letter from Voss and Klein. After disputing a false collection claim in writing and sending it certified mail, the reported debt was sent to collections prior to receiving a response by Voss and Klein. This is obviously a scare tactic intended to prompt you into paying a debt that isn't yours just to make them go away. I posted a negative review of Voss and Klein because they violated the Fair Debt Consumer Protection Act by not responding to my dispute ( sent within 1 week of receiving the letter ) and negatively affecting my credit. I posted a negative review of Voss and Klein as is my right as a consumer dealing with this company. The company retaliated against my business that evening by posting a negative review of my medical practice. The post was made by the CEO of Voss and Klein, XXXX XXXX XXXX from XXXX XXXX, Florida ). Retaliation and unethical malicious attacks on a business is illegal. They are in direct violation of the Fair Debt Consumer Protection Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Experian Information Solutions Inc.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
1 ) The Credit reporting companies are allowed to hold bad credit reports for 10 years, however if as in my cast I dropped a credit card for a better interest rate the 8 years of credit history was instantly removed from my credit report. Their explanation it policy allows them not to use information from closed accounts. This also counts for refinancing home loans after 10 years of good history I refinanced my house and lost 10 years of account history. The worst part is I have 10 accounts your history is figured by adding history and dividing by accounts so I closed a 10 year Mortgage and opened a new one I  closed an 8 year credit card the rest of my accounts were all under 3 years old I went from 5 year history to less than 2 year history and it said I have a new credit history and works against me even though you can go back over 10 years on actual history. The Credit reporting companies should be requited to keep all accounts open or closed on history for 10 years so both good and bad can count the current way only favors the banking institutes as they can charge higher rates due to incomplete credit history being used. 2 ) The Credit reporting companies are allowed to use hard hits to lower your score and impact is once again in favor of the banking industries I was car shopping over a 2 week period of time I got between 6 and 8 quotes on cars I wanted. I looked over the data and decided what car fit my price range and returned to the dealer to find out the hard hits lowed my credit score and I was no longer eligible for the quoted rate. Again this is not fair to the consumer but is for the financial institutes. these are 2 major problems as far as I am concerned and need to be addressed and changed. 3 ) The credit bureaus should be working for the consumers not the financial institutes there are other things that are not fair and should be changed like anyone that reports bad credit ( utilities companies, stores that do their one financing ) should not be allowed to do so unless they also report good credit. this will make it so more consumers and get better scores based on real facts not just the facts that works in favor of the financial institutes.

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 2020-11-19
Company: ZIONS BANCORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent {$5000.00} to get double the money back to me. Here is the promise that explained to me. 

It's XXXX XXXX, they work under banking and we have a Company accounts Im also a online advertising marketers so I also get my salary, they trade XXXX and they need more than {$30000.00} daily. So they giving out basically free money and using it as a tax write off before tax seasons to be eligible for certain tax breaks as a XXXX  XXXX company. They dont really lose because they get most of the money back during tax time by writing it off as charity expense They doing this to help people, and have those same people help promote the brand while getting paid to do it.. 
Then I was given this number to send money XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
But not only I havent received any money but I also asked them to return my money back and they promised to do so but his bank Nevada state bank refused to return the money to me and my bank XXXX couldnt help me to aske the bank to release the money to return to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: U.S. BANCORP
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I participated in an account opening bonus program for XXXX dollars when I opened an account and make a direct deposit. But there's no bonus applied on my account.

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 2020-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
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 rewards from credit card

Complaint:
While using our Capital One credit card for an online purchase on XX/XX/20 the transaction was declined. I called our card company and was transferred to their fraud department. There were two charges in question which I affirmed were made by us, ( i.e. no fraud on the account ). In the verification process, we were required to submit personal information ( last 4 of social security number, date of birth, address ), a text message verification code and photos of the front and back of my state issued drivers license through a secure internet portal. We were notified two days later that the drivers license would not pass the banks verification tests and that our account had been permanently closed. We were further told that we forfeited our cash back rewards totaling {$710.00} that have been accumulating throughout 2020. 

We feel this forfeiture is completely unfair as : 1 ) there was no fraud involved 2 ) we complied with all identity requests 3 ) we did not initiate the account closure My husband spoke with representatives of the fraud department for over 5 hours, offered to provide alternate identification, even offered to appear in person at a bank branch, spoke to their fraud specialists and supervisors. They refuse to tell us the problem with our identification ( can not share their identity verification procedures ) and refuse to provide any additional contact information within the company for us to continue to discuss this issue. They simply made the decision to close our account without any further document requests or contact with us, and state their decision is irreversible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
on XX/XX/XXXX I registered for the promotion from American Express : spend {$5000.00} until XX/XX/XXXX and get XXXX   starpoints extra. 
Points are still not received. Amex has been contacted many times but they did not give any answers.

I want them to post required points and XXXX  points more as a punishment and a compensation for the time spend with communication with AMEX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CBC Companies, Inc.
State: MI
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:
In XXXX, i filed a complaint with CFPB because XXXX closed my account for inactivity, My arguement was they really closed it because of the pandemic and financial crisis when it started and lied and used inactivity as a way to close the account.Well, I have new information that proves they lied.On XX/XX/XXXX i received a letter from XXXX dated XX/XX/XXXX that shows inactivity as one of the reasons.I opened this account in XX/XX/XXXX and last used/paid off in XXXX.My account was close in XXXX XXXX.I received a letter from XXXX dated XXXX XXXX and it states my account has been inactive for 18 months or longer.Because of there gross negligence, my credit score has dropped and has caused stress to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: William D. Meeker Enterprises, 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: Credit inquiries on your report that you don't recognize

Complaint:
The company did a hard inquiry check ok my credit without my acknowledgment.

Company response to consumer: Closed with explanation