BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Wells fargo has made decisions to deny me approval for credit based on identity theft and fraud on my credit report they were not fair to make another decision and the credit card under writing dept based the decisions on incorrect information on my credit. I informed them numerous times i feel like wells fargo has treated me unfairly as a consumer and the decision to decline was prejudice and not fair based on information they used that was incorrect. I fiiled complaint with attorney general. As well and fair credit act reporting agency.

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 2018-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX, I contacted Trans Union to lift a security freeze on my credit report. I received a confirmation on their website that read : temporarily removed your security freeze from XX/XX/2018 through XX/XX/2018. 

On XX/XX/XXXX, my lender tried running my credit report as I am applying for a new mortgage however, the security freeze remained and my lender could not run my credit report. 

I logged into my Trans Union online account and REMOVED my security freeze. My lender ran my credit report again and it still does not work. I tried calling Trans Union and they insist that my account is UNFROZEN.

My online account also indicates that my credit is UNFROZEN. My lender received a response when trying to run credit that an 8 digit number is required in order for them to run my credit report.

I contacted Trans Union again and they insist my credit is UNFROZEN. I  asked them for proof and they said they are unable to provide any proof. 

I had the same exact experience with XXXX however, they are demanding a 10 digit number in order to to release my credit report. 

XXXX is a whole other issue. There website refuses to acknowledge me and I am unable to login or even create a new account. When I call them, they forward me to another country and I speak with representatives that are very inexperienced with helping me. All I am able to get from them, is a confirmation number that my account is unfrozen. Here is what I have from XXXX  : XX/XX/2018, XXXX XXXX ID # : XXXX Confirmation # : XXXX ( that credit is UNFROZEN )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax web site encourages you to fill out information to request annual credit report AND initiate a credit freeze online only to have you go through the steps and then tell you they can not fulfill request online. You must submit request via regular mail.
I would say give the fact that they are the ones responsible for placing 143 million consumers in harms way that they need to be able to respond to these requests online and in a timely manner.
Very frustrating!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citibank account with a {$400.00} promotion for minimum {$15000.00} deposit and another {$100.00} for direct deposit. The banker XXXX XXXX XXXX XXXX XXXX at opening confirmed with me that I am eligible for the promotion. I have kept the balance for more than 6 months now and still no bonus has been given to me even after numerous complaints to the bank and the executive office. Citibank is scamming customers and not honoring their promotions. The terms were to keep the money for 60 days and within 90 days the {$400.00} bonus will be given to me and another {$100.00} for direct deposit for a total of {$500.00} dollars. It has been more than 6 months now to no avail even after numerous complaints and calls. This is not acceptable.

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 2018-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
i had points on my credit card and i decided to redeem all of my points for gift cards for a total of {$900.00} and it has been three weeks and i have not received my gift cards, i have tried to work it out with Capitol One on numerous occasions and they continually ask for weeks of more time, i am suppose to get call backs from supervisors and i receive no call back, I would appreciate your time and assistance with this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-04
Company: Experian Information Solutions 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:
I HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE INCUDING A CHILD SUPPORT DEBT. I AHVE NEVER BEEN PUT ON CHILD SUPPORT. I NOTICED IT BECAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASN'T APPROVED SO IT PROMPT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AND NEED TO BE DELETED FROM MY CREDIT REPORT. 
XXXX {$280.00} XXXX {$890.00}

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 2020-01-03
Company: EQUIFAX, 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 AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hi, I opened an account with XXXX and tried to link my account as payment method the reply was Capital One bank is blocking me from linking my Capital One account to my XXXX account. 
I called custumer service to fix this, but the representative they cant help me with that. 
so i am filing this complaint because it is my right to have access to my account to external applications. 
XXXX XXXX disgruntled XXXX bank client

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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

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 2020-05-29
Company: Experian Information Solutions 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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : 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 2021-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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:
So today I received a notification that a XXXX XXXX credit account, allegedly mine was closed. I then used due diligence and fully investigated my credit report, and noticed an immense number of things on my credit report that didn't belong to me. First and foremost, I was just incarcerated for attempted murder and a number of other offenses, from XX/XX/XXXX to XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  With that being said, the XXXX  XXXX account which I previously mentioned was opened in XX/XX/XXXX which indicates that I couldn't have opened this account being as though I was in prison. Furthermore, XXXX, Equifax, and XXXX has engaged in the act of fraud, violatiXXXXg 15 USC Section 1651e et seq, as they have reported fraudulent information concerning me which I did not consent to, approve of, etc. Wherefore, I am asking that the credit bureaus and/or reporting agencies remove the following accounts from my credit report, as well as, any inquiries ( hard or soft ) that are related to these accounts. The accounts are as follows : ( XXXX ) XXXX  XXXX opened on XXXX XXXX, XXXX ( XXXX ) XXXX XXXX BANK opened on XX/XX/XXXX ( XXXX ) XXXX XXXX opened XXXX XXXX, XXXX ( XXXX ) XXXX/XXXX  opened XX/XX/XXXX Please, delete these items from my credit report, as I was locked up while all of these accounts were opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
I have a inquiry on my XXXX  credit report from synchrony. I have call XXXX and synchrony and no help getting this inquiry off my credit report. I use XXXX  XXXX  for credit info. The inquiry took place on XX/XX/2018 XX/XX/2018

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 2022-08-08
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Equifax has violated my rights. 15 U.S.C. 1681 A number 3. States Equifax assumed this role without my permissions, not only that but also did not have my consent. Equifax did not respect my right to privacy which is under 15 U.S.C. 1681 A number 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Financial Business and Consumer Solutions.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After receiving this paper bill through the mail, I called my dental office to verify. My dental office said I was all paid up and had a XXXX balance. The office XXXX confirmed that the bill was fraudulent, which is why I decided not to contact them but report them instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I borrowed a total of {$57000.00} in private loans beginning in XX/XX/XXXX from XXXX XXXX. I have payed XXXX XXXX/Naviet over {$50000.00} to date. As of today my principal is about {$67000.00}.
I began paying my loan in XX/XX/XXXX. I needed to lower my payments and I was introduced to an interest only plan. When the interest only plan was expiring I received a letter from Naviet in XX/XX/XXXXto call for lower payment options. After speaking with several representatives I was told that I do not qualify for any lower payment options. I wrote a letter to the corporate secretary to explain my financial situation and the unprofessional way I was treated. As a result, an advocate reached out to resolve the issue. I was told that they would lower my payments by extending my payoff to thirty years instead of twenty-five. I was comfortable with the new payment. As of today my payments have been increasing rapidly. I realized that my payoff is indicated in my account summary as an ESTIMATE for the year XX/XX/XXXXwhich is not thirty years. I reached out to the corporate secretary and an advocate on XX/XX/XXXX about the payment increase and my term is not thirty years. XXXX XXXX a representative for Navient reached out to me and told me that she will get back to me about making sure my payoff date is for 30 years. I have not heard back from Navient since that phone call two weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Experian Information Solutions Inc.
State: KY
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 an additional SHINee on two different credit cards. The problem is I am not financially liable for the debt. The credit card companies are reporting the total amount due on my credit report. This seems to be industrywide practice I have no financial responsibility. And it should not show up on my 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 2017-09-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
OnXX/XX/XXXX I called Chase/XXXX credit card ending in XXXX to close the account.
Instead of closing the account like I requested, Chase/XXXX sent me a replacement card, which I received on XX/XX/XXXXin the mail.
On XX/XX/XXXX I called Chase/XXXX and spoke to supervisor XXXX at Chase, and asked her why I received a new credit card in the mail, when I asked for the account to be closed, ending in XXXX.
I received a new card ending in XXXX.
She told me that card was sent because " we said we were victims of identity theft ''.
I told her that was incorrect, we said to CLOSE THE ACCOUNT.
XXXX said she would close the account on XX/XX/XXXX.
Today, XX/XX/XXXX I received a credit bureau monitoring alert that another card was issued, ending in XXXX. I called Chase today and spoke to XXXX, and asked her why a second card was issued, which appears on my credit bureau report.
She told me she did n't know why another Chase card was issue, but now the account is closed. She said it appears every time I called to request the account be closed, it automatically issues a new card instead!
I told her I was very upset that Chase does NOT WANT TO CLOSE MY ACCOUNT, and I have to call 3 times to get my account closed.
This reminds me of XXXX XXXX, where they open up unauthorized accounts ....
This is the reason for filing this complaint - this must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX USA My complaint is with this merchant. She has reported a balance owed to her practice to credit reporting agencies using my personal information which I provided to her so she could provide care. After undergoing a minor XXXX in her office with a care provider she decided several weeks later that the balance had not been satisfied. 

This is the issue. She agreed to bill my XXXX insurance for the cost of the service. She collected that money and I paid the agreed upon difference for the cost of the service at the rate she accepted and which was paid for by the XXXX insurance provider. She is now asking me for money that is in excess of the agree upon price which was set by the XXXX   insurance company I used for the XXXX procedure. This is not a legal practice. Her reporting of this balance to the credit bureaus has caused me great frustration and I would like to make you aware of her business practice surrounding medical services. She should know very well that this unethical and fraudulent practice for a medical provider. 

She has chosen to use Capital Accounts LLC as a collection agency in order to pursue this balance. I would appreciate it if you were to investigate this issue. Her reporting of this fraudulent amount owed to her has caused me hardship, as I am trying to qualify for a mortgage and this account is aggravating the process, since I do not want to pay it and it should not have been reported to the credit bureaus in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Chime Financial Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The Chime Bank account they say I have was overdrawn and i never had one the only account i have is a XXXX XXXX That you can get and load at a XXXX. 
THIS WAS OPENED DUE TO A DATA BREACH OF MY INFORMATION FROM ETHER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Amex wrongfully closed my XXXX XXXX credit card. At the time of closure, I had OVER XXXX in rewards in my account. Amex, in essence, stole over XXXX from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: ID Analytics, 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 I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the told me to file XXXX FBI report and an FTC is attached to this complaint. Please block this fraudulent accounts from my credit file.

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 2023-05-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation