BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-17
Company: EQUIFAX, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
Consumers are entitled to a free credit report from the 3 Credit Reporting Agencies each year. Once a consumers identity has been verified, they should have no problems easily securing their report. However, with intent, XXXX and Equifax make it exceptionally difficult to access your report. XXXX gave me varying reasons at different attempts why they were unable to give me my report. I tried several times to get my reports from XXXX and Equifax through annualcreditreport.com. The only report I was able to get was my XXXX. It is important to note that XXXX and Equifax are closely aligned on their individual sites, and with XXXX XXXX. XXXX initially said they were having technical difficulties. When I tried later, they gave me another error message. And I never got my report from Equifax even though they said they had already given it to me. Now, the only way I can get a report from XXXX and Equifax is to take out a membership for a fee, and then pay an additional amount to get a report. I am arguing that XXXX and Equifax intentionally make it difficult to get a free credit report to force consumers to buy a membership with them and then pay for a credit report that should be free. At XXXX, accessibility and verification to all three credit reporting agencies should be consistent. Each CRA has a different ID verification process. The verification procedure should have identification rigors yet simple enough for consumers who have limitations can get their reports as long as their ID can be verified. CRAs should give consumers a choice of getting a report in PDF format that can be stored on the computer device of their choice. They should be able to direct the file/folder where they want the file downloaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Two fraudulent charges made on my account on the same day. First was a with-drawl of {$7100.00} from a fraudulent check and another in the amount of {$2500.00} made using a fraudulent E-with-drawl. Wells Fargo reimbursed the first fraudulent transaction but closed the claim on the second stating that I gave permission to with-drawl. I am in the military and at the time of the transaction I was conducting a training rotation in XXXX XXXX, CA. No one else has access to my card, nor have I ever given anyone permission to with-drawl funds from my account. These transactions happening on the same day within hours of each other does not seem to be suspicious to the Wells Fargo Fraud Investigation team and need some help getting my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am submitting a complaint about American Express due to ongoing billing errors, incorrect adjusted balance/minimum payment due, pay over time charges, interest calculations, and fees on my statements starting from XX/XX/2022 closing date statement through present.

Im desperate to get this remedied, as I have spent probably 70 hours trying to get this fixed. This has affected my credit score and created incredible stress personally. 

AMEX has continually messed up my account by not indicating the correct amounts to pay, adding incorrect charges, and misallocating charges that have resulted in massive stress and me unable to determine my payments and budgets around this card. 

Every time I get one thing fixed, another thing goes wrong with it. I would like to request enforcement measures because the errors are always in AMEXs favor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-24
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I accessed my account on XX/XX/23 in the afternoon and noticed my account was overdrawn by {$120.00} # #, Upon noticing I planned on making a transfer from my savings account ( which had plenty to cover it ) after work and XXXX shopping. I made a cash deposit & savings transfer @ XXXX XXXX and my account was in the positive. My wife goes to use her card this morning and it declines, After checking the account. I was charged a {$36.00} overdraft fee even though my account was in the positive. I called Customer Service and they informed me due to a XXXX cutoff. It was due. they refused to issue the credit back due to inconsistency on terminology & " terms '' online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting 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:
This information is totally wrong and is damaging my report and does not belong to me. 


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 2023-10-09
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent a letter explaining the situacin, they just dont want to removed or accept my goodwill adjustment. This is the first time I will get a goodwill adjustment with them and ever in my life! 

My credit report shows I missed pymt on XX/XX/2020, we were going through a PANDEMIA!! My family was at the board of death really scary and hard times Please I just want a goodwill adjustment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 2023-10-04
Company: Bread Financial Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, This was a charge from years ago and could be even past the point of collection time. 
However, I had an XXXX XXXX Account through Comenity Bank now owned by Bread Financial to the best of my knowledge. 
I used it for a few years and always paid on time. 
Then there was a charge on my account for over XXXX dollars and was shocked. 
I had used the card for services but the amount I was told was literally half of that. 
I immediately called the Credit Card company and told them the charge amount and so they credited me the amount of the over charge. 
I than paid the amount the was actually agreed to. 
After their investigation, they decided to put the double charge or overcharge back on. 
I even connected with XXXX XXXX and they offered me a credit in that amount. 
I did not make that charge or was over billed and no idea how that amount was able to transact. 
I know for a fact that I did not sign for that amount. 
My actual maximum balance I could charge was XXXX that alone was over that amount, how could that charge even go through? 
I even paid the amount that I actually agreed to pay that resulted in a XXXX balance. 
I then asked that they close down the account as it still had my maiden name on it as well and could not get them to remove or correct it. 
I was upset and confused to then receive a bill back for the amount disputed. 
I wrote to them, I called, I did everything I could do as a consumer to get this taken care of. 
Meanwhile, they continued to charge fees and late charges and then finally closed it down. 
Then on top of that and knowing there was an issue sent it to XXXX XXXX XXXX. 
Ive asked them to send me my disputes that I have sent through to the company. 
All they sent me was a bunch of Terms and Conditions. 
They tell me via phone that this is all they need to send to me. 
The charge now they want me to pay is XXXX in charges for a charge that was double the amount agreed to. 
It has been several years now, and hoping for some guidance on what I can do to resolve this issue if possible. 
Im hoping maybe if the CFPB looks into this than maybe one of them will be more apt to assist me in resolving this.

But because Ive never received anything from the original creditor except statements, Im not sure how I could have even report this to the authorities. 
I need the evidence of the signatures and how this was able to be charged. 
Especially a charge over my credit limit and a card not in my legal name. 
Any help on this would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: ADP Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
i've done a dispute and its been more then 45 days this company hasn't answered me about received my provisional credit because ive made a dispute about some charges ive spoken with XXXX at XXXX XXXX today XX/XX/23. he basically told me like everyone else just sit down and wait either wait the 90 days until the investigation is over to receive anything I want to know why no one can answer me about receiving my credit until they figure out there investigation I feel like I'm being discriminated against the way im being handle im asking question and not receiving any answers back basically they keep telling me that department will get back to you in two days they've told me this more then three time that ive called then they said they sent me a letter for the credit never got it called back they said they will send me an email never got it called back now the next two times they told me someone will call me in two days no one has called yet its almost the 90 days mark I want to know why I have to wait for my money when it should be insured with this bank I must know are they treating everyone fairly when it comes to requesting for credit while they do there disputes and I will like proof of it cause me as a consumer feel I must be treated fairly like everyone else

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2020-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: NY
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 XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

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

15 U.S.C 1681 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2019-12-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I included all of my WF educational financial services in my chapter XXXX bankruptcy that discharged in XX/XX/2019. The loans were not backed by the department of education, a non-profit and most of the loan proceeds were spent on non-qualified education related expenses per the bankruptcy code. WF did not object to the discharge nor make any claim towards the debt. The case is still open due to a stipulation I am paying to the trustee and the automatic stay is still in tact. I however am also trying to rebuild a positive credit history. I called WF and disputed the credit report twice. WF informed me on the phone two weeks ago that they do not intend to collect or sell my account to a third party however they are all still reporting past due on my credit report which is hurting my ability to refinance and obtain new credit to build a new positive history. I have repeatedly asked them to change the reporting on my credit as closed and not past due I will never be able to reestablish credit with all these loans reporting past due and I think it is a backwards attempt at collecting a debt while the automatic stay is in effect which in violation of the bankruptcy code and fair credit reporting act and debt collection practices. Please help

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 2022-01-20
Company: ACIMA CREDIT, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: CT
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 

XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax has removed my old XXXX account that was charged off several times and put it back which violated FCRA. It has reappeared on my credit profile and thier reporting the same item twice. Account number in reference to XXXX XXXX XXXX XXXX XXXX  card services. Please remove this account and keep it off of there this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX The Unfair or Deceptive Business Practices of XXXX XXXX XXXX, to Extort or Solicate Monies in the Violations of my Civil ( XXXX ) Rights, in the needs for a Made Cause of Public Corruption, the Continuing Escalating Concerns of Personal Harms and Domestic Finance with No Recoveries of Monies or Compensations for a Living Standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
For the record, there was no response and negative information is being erroneously included on my report, as I have advised you on XXXX separate occasions, more than 45 days and again 5 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ) As you are well aware, federal laws requires you to respond within 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 ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, 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 Trans Union XXXX, XXXX. XXXX ( C.D. XXXX XXXX XXXX, 1995 ), you will be liable for your willful non-compliance. Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the XXXX XXXX XXXX Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed for your willful non-compliance : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints

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 2022-01-20
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2018-01-05
Company: EQUIFAX, 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:
XXXX XXXX has taken adverse action against me and my spouse by falsifying information to the 3 credit bureaus after I requested that they validate the debt. They have extremely damaged our creditworthiness and reputation by illegally falsifying the records sent to the 3 bureaus. This record was removed and placed back on illegally. Not only did they replace it on our report after deleting which is a huge violation of our rights but they continually changed information, the high credit amount from being XXXX to XXXX, they have also said account closed XXXX XXXX 4.5 years after the original close date of XXXX XXXX. They have attempted to reage the debt to collect on after the statute of limitations has run out to sue or legally collect. They also have changed they late dates once they removed and changed this information. Our credit has taken a huge hit due to the malicious credit tactics which is causing immense stress on me and my spouse.

Company response to consumer: Closed with explanation