BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-26
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bank at Wells Fargo. I want to report three ( 3 ) separate incidents of erroneous withdrawals/transfers from my savings to checking account posted as " overdraft protection from savings to checking ''. There are 3 concerns with this activity, ( i ) I am NOT enrolled in the overdraft protection program, ( ii ) I did NOT have a negative balance in my account ( I check it daily as I've had concerns over other suspicious activity ), and ( iii ) the funds did NOT appear in my checking account. The funds disappeared and Wells Fargo can not explain. The 1st incident occurred a few months ago. They had no explanation with first incident, apologized, and immediately returned the funds to my savings account of approximately {$40.00}. The 2nd incident was on XX/XX/18 for {$40.00} and a 3rd incident on XX/XX/XXXX for {$37.00}. I immediately called the XXXX number for Wells Fargo on XX/XX/2018. The rep confirmed that I'm NOT enrolled in overdraft protection, I did NOT have a negative balance and they could NOT explain what happened to the funds. They opened up a ticket to investigate by case manager. I contacted my local Wells Fargo branch office the very next day on XX/XX/XXXX. Spoke to a banker, who confirmed same. No explanation could be given. The bank representative took down my information and said they would get back to me by the afternoon. These occurrences are very concerning and suspicious. I never signed up for overdraft protection, I did not carry a negative balance and my funds have basically disappeared with no explanation or further investigations conducted by Wells.

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 2021-03-03
Company: KEYCORP
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019, I wired XXXX dollars to a scammer to XXXX  XXXX  XXXX but I realized it was a scam a few hours later. Called key bank customer service and they said the money is in transit because it was international, it took a day to get there. I was told it had been taking care of, no worry and next time be careful. In reality the customer service did not take action to inform their XXXX  XXXX  XXXX or any bank departments to coordinate this matter. All they did was froze my domestic KeyBank account and put a note on it, I was told I did not need to do anything. Days gone by, About 2-3 weeks later finally I was told the money was gone when I went to the branch where I wired the money to ask. 

On the receipt the fund would not be ready to withdrawal before XX/XX/XXXX. 7 days holding period ( please see the attached file 1 ) Key bank was informed the transfer only a few hours ( XXXX starts the wire, before XXXX reported the case ), key bank did not make any effort to protect me as a customer, they claim money is out their door it is not their business so they do not have to do anything. 

I wrote formal complaint to KeyBank Corp, and tried to contact them many times. their answer was not their problem after the money is out their door 30 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Monarch Recovery Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I settled my account for {$420.00} dollars with debt company Monarch Recovery Management , Inc ( Account # XXXX ), however, they returned the payment as the original creditor is only accepting {$550.00} dollars. The settlement offer of {$420.00} was offerred in a letter I received by mail from Monarch. 

Can they do that, offer and accept a settlement and then refuse it and ask for more?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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:
XXXX XXXX XXXXk someone opened a credit card in my name without my consent and also been applying for credit in my name without my consent heres a list of inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I would like this info removed off my credit report I am I victim of identity theft and I have reported this problem with all 3 credit bureaus and also my phone and wallet was stolen thats how someone obtained my information and used it without my permission!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I would like these inquiries removed, customer service at Transunion would not remove these fraudulent inquiries off of my credit report for me. 


XX/XX/2018 XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XX/XX/18 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 2018-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
To Whom It May Concern : I am MORTIFIED! Recently my Capital One Secured Credit Card account ( ACCOUNT # XXXX ) was inexplicably closed without my request or initiation and furthermore Capital One refused to refund my money that I opened this account with. Capital One claims it was opened fraudulently through an alert from XXXX, XXXX, and XXXX. Representatives from the Credit bureaus claim they received a request to remove the account but no such request was ever made! 

This account was opened in XX/XX/XXXX with funds sent directly from my bank account ( {$500.00} plus startup fees ) and the card has had no late payments and automatic deductions from my bank account. The automated phone teller stated the account was deactivated XX/XX/XXXX but I made a payment of {$220.00} on XX/XX/XXXX ( which brought my account balance to {$0.00} ). I also applied for a credit increase on XX/XX/XXXX and received correspondence on XX/XX/XXXX. 

I have records of everything. I have spoken to representatives from all four companies and no one is willing to rectify the situation especially Capital One. How can a SECURED credit card with a stellar history be fraudulent and the customer treated dishonorably?? It was setup with MY MONEY! I am vehemently requesting that my account be completely reinstated and reported to all XXXX major credit bureaus. I did not request it to be closed and did nor report any fraud to Capital One or the Credit bureaus! 

I am sending this letter to Capital One Bank, XXXX, XXXX, XXXX, Consumer Financial Protection Bureau, Ohio Attorney General and affiliates. Also my attorneys are looking in handling this matter with a lawsuit if not handled in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13
Company: Bread Financial Holdings, Inc.
State: CO
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:
I paid my bill online with a bank and they showed that they received my payment. However, 30 days later I received notice that they never received my payment. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-20
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A company called MBA Law Offices/ XXXX placed an unknown collection on my credit report. I Received an alert on the credit monitoring system that my score decreased 43 points for a new account. I have received no notification via mail or phone from this company. I have no knowledge of any past due debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputed this company since last XXXX. I dont have no clue who this debt or creditors is. I do not have a account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SLS lawyers told SLS not to assist me I called customer service She was shady didnt know anything wasnt trying to assist I was on hold too many thin times She said she needs to research We asked how long the application assistance take She didnt know We asked her what we need to do to stop the foreclosure she said she didnt know Then she said we need a code I asked her how do I get the code I dont have enough time she said I dont know We told her at least things need to happen asXXXX soon as possible we got slilent we had to drag the word out of her mouth They wont give any thing I upload a proofs of my apply for assistance by email and fax I promise you they wont do anything then they send letter thats after reviewing your application your not qualify

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 2020-06-01
Company: Experian Information Solutions Inc.
State: AL
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 was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$1600.00} XXXX  XXXX {$370.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-05-26
Company: BARCLAYS BANK DELAWARE
State: PA
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:
Trip paid to XXXX XXXX in the amount of {$3000.00} on XXXX XXXX 2020. Trip was cancelled by merchant ( XXXX  XXXX ) prior to trip departure date. 
Merchant cancel date : XX/XX/2020 XXXX dates paid for : XX/XX/XXXX - XX/XX/2020 XXXX services were rendered by the merchant. Refund requested but merchant would not provide refund for services not rendered. 
I contacted my credit card company, Barclays - XXXX XXXX XXXX XXXX Mastercard and discussed the dispute. 
I was informed to fax and mail in documentation. Documentation faxed XX/XX/2020 and put in USPS same day. 

I recently received an outcome letter that " they are unable to pursue credit on my behalf and that the merchant would be issuing a future travel credit. '' This is unacceptable. The merchant violated the contract by cancelling/not rendering services on the contracted date. My credit card company is not acting on my behalf in rectifying this billing dispute. This was a family trip. My sister, who filed a dispute through XXXX XXXX, has already received her refund. 
No manager is available to assist with dispute at Barclays - XXXX XXXX XXXX XXXX Mastercard and there is an estimation that I would receive a call from Barclays - XXXX XXXX XXXX XXXX Mastercard in 5-10 business days. Barclays - XXXX XXXX XXXX XXXX Mastercard is not resolving the issue with the 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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XXXX XXXX XXXX XXXX  ran a hard inquiry on my personal credit report with Transunion. Prior to applying for a checking account, I called and was told that a soft inquiry would be ran

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 2018-03-07
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: AK
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested validation but this company sent me bill statements as validation ( statements are not validation ) and failed to send validation that they are the true collectors of the debt. I have another company trying to collect in the same debt. I demand proof that XXXX is the true collector by sending me something binding the agreement between them and original creditor that they are indeed collecting on behalf of the original collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, 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:
Hello, my name is XXXX XXXX XXXX, and 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 this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 
Please delete the items as soon as possible. 
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was stolen and I reported it the following morning using the automated text from the bank. They didn't block the card so it continued being used, so I used the email to block the card and was greeted with a page showing it was closed and a new one would be sent out. When I noticed it was still being used, I call to have it blocked and a new one sent out. It was still being used, so I eventually called and got the fraud department to open a claim and this finally blocked the card. They refuse to acknowledge they did not block the card appropriately when I reported it, and now are refusing to refund the money that was taken. When I re-opened the claim to be investigated with more information from my XXXX XXXX card ( showing I was not paying for everything in cash ), they then closed my account for " claim abuse ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My information was posted online in XX/XX/XXXX, I placed credit freezes at all of the credit agencies then. In XX/XX/XXXX, Experian lifted the credit freeze without my knowledge, without my permission, and without notifying me. I found out from a credit card company. I refroze my credit with Experian, and they AGAIN lifted the credit freeze in XX/XX/XXXX without my knowledge, permission or without notifying me. I again found out from a credit card company in XX/XX/XXXX. Experian said that my freeze had been lifted online after someone ( not me ) answered all the publicly available security questions correctly. The thieves then added addresses to my report, and used that information to open several accounts, add their addresses to my mortgage account and request checks against our home equity, request a student loan in my name, and steal money from my checking account. Experian allowed them in by allowing them to reset my freeze pin online by answering questions that are easily verifiable and researchable, without notifying me. And now, they won't allow me to enroll in their so-called protection ( which does not include notifications!! ) because they can't verify my identity. It is unconscionable that private companies who are so lax with information and security are allowed to continue to verify my credit. There should be a way to opt out of their services, or there should be a government agency that controls this -- NOT THEM. Once the thieves had my credit report, they had all the information they needed to break in again and again.

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 2021-03-03
Company: National Credit Adjusters, LLC
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: Account information incorrect

Complaint:
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed XXXX {$580.00} DP OF EDUC XXXX Balance Owed : {$570.00} XXXX XXXX XXXX Balance Owed : {$6500.00} NATIONAL CREDIT ADJUST XXXX Balance Owed : {$460.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/20 WAS CALLED ASKED TO BE NOT CALLED AGAIN BY RUDE PERSON. XX/XX/20 WAS HARRASED AGAIN BY COMPANY TOLD THEM YOU I WAS NOT TO BE CONTACTED AGAIN THEY REFUSED THAT WAS PLACED ON DO NOT CALL LIST BUT THEY RECORDED BOTH PHONE CALLS.

Company response to consumer: Closed with explanation