BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-20
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:
XXXX XXXX XXXX {$2200.00} charged off in XX/XX/2017 I disputed this account with experian because it didn't belong to me the account is unverified and possible result of identity thief my information was affected by the XXXX been dealing with this for months to no resolution they just keep reporting the same negative information without merit

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 2023-02-05
Company: DISCOVER BANK
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Due to XXXX  and reckless misinformation on the Discover XXXX XXXX website, I dont know whether my automatic payment has in fact been cancelled or not. I also dont know whether my one off payment has in fact been processed correctly. The website says to call in but their call center is not answering.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Regarding my XXXX XXXX XXXX XXXX XXXX XXXX with Barclays Bank Deleware. 
I made a cash payment of {$1600.00} at XXXX XXXX XXXX  XXXX XX/XX/2021. Barclays Bank of Delaware shows receipt of the {$1600.00}. Barclays Bank website shows credit of the {$1600.00} However available credit is listed at {$110.00}. 
XXXX XX/XX/2021 I attempted to use my XXXX XXXX XXXX to make a utility payment of {$190.00} which was denied by Barclays Bank Delaware. 
I called Barclays Bank customer service XXXX XX/XX/2021 at XXXX XXXX. Supervisor XXXX told me the " system '' would not allow me access to the {$1600.00} cash payment until the hold on a {$350.00} payment from my XXXX XXXX XXXX XXXX cleared. XXXX XXXX XXXX show the {$350.00} payment cleared my XXXX XXXX account and went to Barclays Bank XXXX XX/XX/2021. XXXX at Barclays Customer service stated that Barclays Bank requires a 3 way call with customer and customer 's bank to verify funds have cleared the bank. XXXX  call XXXX XXXX and the XXXX XXXX  representative said they could not disclose third party information. The XXXX XXXX  representative said they could provide the information via fax. Barclays Bank representative said they could not fax. When I asked if XXXX was telling me Barclays Bank did not have a fax machine, she said the fax would take 24 to 48 hours to prepare. 
Barclays Bank Delaware is unreasonably withholding access to my {$1600.00} cash payment. 
Barclays Bank Delaware frequently places a hold of 7-10 days on payments on the XXXX XXXX XXXX XXXX 
Barclays Bank Delaware does not verify receipt of funds internally at Barclays Bank Delaware without requiring that customer call Barclays Bank of Delaware customer service and participate in a three way call to customer 's bank. Extremely bad faith and onerous policy. 
Barclays Bank of Delaware sytematically places holds on customers funds for 7-10 days and uses the funds to Barclays Bank Delaware benefit and detriment to the customer. 
Barclay 's Bank Delaware practices of placing lengthy and unneccesary holds on customer 's funds ; requiring customer to initiate a call to Barclay 's Bank Delaware customer service and participate in a three way call to customer 's bank to release the hold are extremely bad faith, harmful to customers, and highly unethical if not illegal. 
Accounting of Current Balance and Available Credit on Barclays Bank Delaware website are inaccurate 100 % of the time. Accounting of Current Balance and Available Credit at Barclays Bank Delaware website 100 % of the time do not match accounting of the XXXX at XXXX XXXX XXXX website. 
Barclays Bank Delaware reduces available credit by amounts of attempted charges on the XXXX even when the charges are denied by Barclays Bank Delaware.

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 2021-12-13
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, 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 as of yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you've caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-12-17
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XX/XX/2019, my Wells Fargo Debit/ATM card reached it's expiration date. A replacement card was issued, and it would get stuck in the ATM. After several weeks of complaining a new card was issued, it also would not be returned by the atm,. A third replacement card was issued, this one being the newer style, with a flash chip and my name on the back of the card with less embossment. This card also got stuck. I tried it in another Wells Fargo branch atm and it got stuck there too. When the card is not returned the atm actually reboots. After 3 months of this I finally complained to the Branch Manager of Wells Fargo, XXXX XXXX, XXXX CT, XXXX, this past Thursday, it took 20 minutes for her to actually escalate the situation enough to generate a reference number, she originally wanted me to sign a form that they were looking into it. I can provide some dates if necessary but I'm submitting this complaint without the information readily available.

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 2019-11-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My son was scammed by an XXXX XXXX woman, alias XXXX XXXX who represented herself as a Travel Agent with XXXX XXXX XXXX XXXX and sold my son, an airline ticket/hotel accommodations. She was referred by my sons supposedly friend and said she was scammed also. 
Details from my bank statement are below Purchased authorized on XX/XX/XXXX too XXXX XXXX * to XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX XXXX was debited from our joint Wells Fargo checking account with my son. 
XX/XX/XXXX, I filed a claim with Wells Fargo because the purchase was made from my son debited visa card. Wells Fargo advertises Zero Liability Protection if you do not receive a product or service. My claim was denied by Wells Fargo because the transaction went thru XXXX XXXX. I contacted XXXX XXXX and they responded sorry and instructed us to contact their legal department. Their legal department was sent an email todayXXXX. 
I also filed a police report with XXXX  XXXX, Texas Police Dept. The case number is XXXX XXXX, number XXXX After several abortive calls to XXXX XXXX at XXXX I began texting her at XXXX. I texted her to return or refund the money and I received the following text message from her. 
I copied and pasted her text message below : Baby you need to look up your laws with money transfers and thats why the bank wouldnt give it to him due to XXXX XXXX lol yall try to sound so professional and look crazy

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 2015-08-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX/XXXX/15, I submitted a complaint letter to XXXX Bank concerning incorrect information provided by Equifax as my credit data for consideration of a credit card offered by XXXX. On XXXX/XXXX/15, I sent a letter to Equifax concerning the same above mentioned issue : reporting erroneous credit data on my behalf. I have attached copy of the letters mailed to both companies. To date, neither business has responded to my letters. Therefore, I am requesting your assistance with this matter. I am demanding a response to my inquiry from each business. I have attached a copy of the letters submitted to both XXXX and Equifax. I also intend to file a complaint on those organizations with the respective XXXX and the Federal Trade Commission ( FTC ). 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a utility bill in my name, I do n't know who account this is that they are saying I owe. This negative account on my credit is causing problems on my credit report. I 've never rented a home, or bought a home, I do n't have a need for any utilities in my name. Please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
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:
Hello CFPB, This is my third attempt to have my credit report to read correct and accurate information. I recieved coorespondence thru the mail stating the accounts were verified and updated. The documentation used to conduct their investigation where not included. Even after saying the information was verified and correct Once I viewed my consumner reports none of the information was changed. All 3 credit bureaus have inaccurate and incomplete information on the accounts. They even have different data from eachother listed on the accounts. I've called multiple times and even sent emails to the CEO. They continue to report inaccurate and incomplete information even after saying it was verified and updated. In regards to Accounts - XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  # XXXX. i HAVE ATTACHED THE CREDIT FILE WITH EACH INACCURACY CIRCLED AND NOTED. I HAVE ALSO ATTACHED THE LETTER THAT I SEND VIA EMAIL TO THE CEO. XXXX XXXX AND EXPERIAN ALL REPORT DIFFERENT INFORMATION ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION If, after any reinvestigation of a minor item under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer,

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 2022-10-14
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items 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 non-monetary relief
Consumer complaint received 2021-12-13
Company: Atlanticus Services 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 information incorrect

Complaint:
On XX/XX/2021 I contacted Aspire to inform them of a change of bank payment that needed to go in effect for the next payment. The next payment was due on XX/XX/XXXX. Aspire attempted to use the old account charged me a {$29.00} fee. I contacted Aspire on XX/XX/XXXX regarding the reminder of the change of account. After frustration, I manually paid the account. On XX/XX/XXXX I checked my score which dropped 50 points because they reported a late on my report. I contacted Aspire and they apologized and said the late would be removed due to the error on THEIR PART within 5 days. They also agreed to remove the late fee of {$40.00} and offered me a gift card for THEIR ERROR! 

I have included a screenshot of the account as well. XXXXASPIRE # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
Hi I have some trouble on my Amex credit card and need you help. 

I have applies an American Express Premier Rewards credit cards via the website of American Express. It said that I would " Earn XXXX Membership Rewards Points after you spend {$2000.00} on purchases on your new Card in your first 3 months of Card Membership ''. However, when I finished my {$2000.00} purchases in first 3 months, I didn't get the so-called " XXXX Membership Rewards Points ''. I have contacted them for this issue. They just said they think I couldn't get these points without any reason. 

They never told me that I can't get these points when I was applying and paying with this credit card. How can they cheat me to apply this credit card and refuse to pay me the so-called " XXXX Membership Rewards Points ''? 

In a words, They has no reason to refuse paying me " XXXX Membership Rewards Points ''. 

That's all about my issue. 

Thank you for your kind assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: LAW OFFICE OF JOHN E. LINDNER P.A.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX Attorney XXXX XXXX rep XXXX XXXX called my place of employment and spoke to my Supervisor XXXX XXXX XXXX  she was verbally abusive and rude, when I picked up the office phone she had already hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: LA
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:
n accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX This act states that I have a right to privacy and that a consumer reporting agency can not furnish my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Kimball, Tirey & St. John LLP
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called XXXXXXXX XXXX  3 years after moving out asking about my deposit. Before moving out in XX/XX/XXXXXXXX  I was helped by a lady named of XXXX XXXX who helped me out in the moving process. I left all my new information with her liked she asked me to for when they cut my deposit check she would forward it to my new address, and NEVER received it. XX/XX/XXXXXXXX  I contacted XXXX XXXX asking about my deposit check the guy was rude and asked me for my information when I asked if he could verify the charges. He said someone from the office would contact me. Instead of someone from XXXX Two weeks later I see a collection from KIMBALL TIREY & ST J ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) for the amount of {$210.00}. Date Opened XXXX. I emailed XXXX XXXX in XXXX to find out that she no longer works there also tried to contact the manager and he is not there either as of XX/XX/XXXXXXXX   no response from anyone, but these credit ppl. The two people that can verify I don't owe this debt that XXXX owe me my deposit. I have been told by other residents that this has happened to others also. I would like this removed from my report. XXXX has deleted it XXXX and XXXX has not. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
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: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting incorrectly that I am (90 – 120) days late on the XXXX  – partial account number XXXX.  (Please see page attached from my credit report.)  This account reports a $XXXX  balance and $XXXX  past due.  Please keep in mind that it is impossible to be late on an account that has a $XXXX balance.  This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report.  I have contacted the bureau to remove this however, I have not been successful.

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 2023-05-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: I.C. System, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
IC Systems, INC is claiming I owe {$460.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.

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 2023-08-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company 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