BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-12
Company: WELLS FARGO & COMPANY
State: CA
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:
This is regarding my Well Fargo Bank cash rewards credit card that was opened in XXXX of 2022. Initially everything was smooth sailing until XX/XX/2022 when I made a {$3000.00} payment to XXXX from my XXXX account on XX/XX/2022 This got rejected by my bank due to their banking error which caused a lot of issues with both the XXXX and my bank. I have filed a separate complaint against XXXX bank for the same and the complaint was just closed in my favor. XXXX attached regarding the same below. 
Then again on XX/XX/2022 I made another payment to XXXX for {$3000.00} from Chime bank and that got rejected and returned back to XXXX for the same reason " unauthorized account user ''. Now I need to reiterate that XXXX made this error both times and this is from my own bank account, at XXXX. 
Due to this reason XXXX closed out my cc account on XX/XX/2022 and I have attached their letter below for the reasons that they stated. However the problem with the credit card issuer Wells Fargo Bank is that to date they are refusing to apply my reward points which is around {$1000.00} to my account. These are points that I earned with my own card usage from XXXX to XX/XX/2022. I have called them several times to resolve this and gone into the branch as well. Each time they state that they will do it but never did. They are holding onto my points and not issuing me a check or applying it to my outstanding balance either. It has been almost 120 days since this occurred. I need an immediate resolution to this matter as I plan on paying off this card in full next month and need the {$1000.00} applied to my balance and I will be paying the difference and no more. Need it reported to all credit bureaus as paid off in full when this occurs also. 

Thanks, 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 2021-04-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The CRA 's continue to violate my rights as a As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative on all accounts created by my seal/signature as the natural person known as XXXX XXXX. They have Violated XXXX XXXX XXXX CIVIL CODE Section 2985.7 1667a. Consumer lease disclosures Violated 15 USC 1681 ; Harass and oppressive use of XXXX about an alleged debt. 
Violated 15 USC 1692d ( l ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 
The attached document clearly shows that XXXX XXXX XXXX XXXX has CANCELED the debt yet EXPERIAN, XXXX and XXXX continue to report the account XXXX XXXX XXXX XXXX on my private consumer credit profile.

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 2020-06-01
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts 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 explanation
Consumer complaint received 2017-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX XXXX paid XXXX XXXX XXXX XXXX XXXX using his XXXX with bank of america. Vendor has dirty hands engaged in a pyramid scheme. There was no contract. Vendor is a pyramid scheme which bribes new customers to bring in new customers. Pyramid schemes are illegal. Vendor admits it does not know what it offers because vendor does not monitor what it has allegedly to offer. Vendor claims it has all courses and all tests. In fact materials proffered are stolen from third world dictionaries and encyclopedias in XXXX and other third world countries. Because vendor has nothing to offer but materials it steals and plagiarizes, XXXX got nothing at any time. 
Bank of America XXXX XXXX refuses to dispute this charge and timely credit because he accepts there was a contract. Instead of dealing with issues, XXXX keeps misrepresenting that he did not get responses to questions he sent XXXX when he did get the responses from XXXX because cfpb forwarded XXXX 's responses. 
XXXX requires boa to credit or XXXX will sue boa but for sure XXXX will not keep answering these same questions over and over. help me get permanent credit NOW.

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 2022-03-05
Company: EQUIFAX, INC.
State: WA
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: Problem with personal statement of dispute

Complaint:
on XX/XX/21, I wrote XXXX, XXXX, and Equifax regarding inquiries and verification/validation of debt. I do not believe the bureaus responded in a timely fashion, and I haven't received the requested information within the letter sent ie original contract with my signature on it. Please see attachment letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: Experian Information Solutions Inc.
State: TN
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 REQUESTED ON NUMORUS OCCASIONS A PHYSICAL VERFICATION OF THE ORGINAL SIGNED CUSTOMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME.UNDER THE FRAC ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSCAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOTCONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIEDINVALID ACCOUNTS MUST BE REMOVED. XXXX, XXXX, EXPERIAN HAVE NOT GIVEN ME PROOF AS INSTRUCTED. AS A RESULT OF THIS CONTINUOS REPORTING OF FRAUDUELT UNVERIFIED ACCOUNTS. THIS ACCOUNTS WERE OPEN BY THE THIEF AND NOT ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: CORELOGIC INC
State: AL
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:
This complaint is to remove multiple inquiries that I did not approve or initiate. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/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 2019-06-23
Company: Experian Information Solutions Inc.
State: NC
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, Again with a complaint against EXPERIAN, XXXX AND XXXX in regards to multiple account that are listed on my credit report under my name that are in fact erroneous. 
I will file suit against XXXX and all CRAs listing erroneous accounts under my name and social security number. 
XXXX, XXXX AND EXPERIAN are all cohorts in knowingly publishing fraudulent account under Americans names without verification and authorization and my name just so happens to be on that list. 
This is the 100th time I have made specific demands against this felonious organization to remove such information from my XXXX  credit report to no avail. 
Again, this is a DEMAND to remove the following listed items without prejudice : XXXX XXXX XXXX XXXX -BAL : {$7000.00} XXXX XXXXBAL : {$4300.00} XXXX XXXX XXXX-BAL : {$6400.00} | {$4800.00} | {$1100.00} As can be seen on my report, I have ZERO collections and per my history, all of my finances are paid on time. 
This CRA is an active participant in the destruction of the American Consumers credit rating and history. They are knowingly reporting information that is non-factual just because they can and will. 

I have opened a case with the Federal Trade Commission detailing such activity and have attached the report. This will also be sent to the respective Attorney general TO investigate this CRA! 

The following INQUIRIES will also be removed from my report, IMMEDIATELY without prejudice! 

XXXX. XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX   XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX DBA XXXX   XXXX  XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX, I-XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX *********THE FOLLOWING RESIDENTIAL ADDRESSES WILL ALSO BE REMOVED FROM MY REPORT : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX CT, XXXX XXXX XXXX CT -- Thank you, 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 non-monetary relief
Consumer complaint received 2017-08-12
Company: Paramount Recovery Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I asked that my debt be deleted from my credit report in exchange for me paying the balance in full. I paid the balance and the account still shows up as open on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: NC
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've called and spoke to XXXX and Equifax and personally faxed and mailed to XXXX all bureaus stated it would be removed. 


In accordance with the Fair Credit Reporting act 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 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 has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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, Again with a complaint against XXXX, XXXX AND TRANSUNION in regards to multiple account that are listed on my credit report under my name that are in fact erroneous. 
I will file suit against XXXX and all CRAs listing erroneous accounts under my name and social security number. 
XXXX, TRANSUNION AND XXXX  are all cohorts in knowingly publishing fraudulent account under Americans names without verification and authorization and my name just so happens to be on that list. 
This is the 100th time I have made specific demands against this felonious organization to remove such information from my XXXX  credit report to no avail. 
Again, this is a DEMAND to remove the following listed items without prejudice : XXXX XXXX XXXX XXXX -BAL : {$7000.00} XXXX -BAL : {$4300.00} XXXX XXXX XXXX-BAL : {$6400.00} | {$4800.00} | {$1100.00} As can be seen on my report, I have ZERO collections and per my history, all of my finances are paid on time. 
This CRA is an active participant in the destruction of the American Consumers credit rating and history. They are knowingly reporting information that is non-factual just because they can and will. 

I have opened a case with the Federal Trade Commission detailing such activity and have attached the report. This will also be sent to the respective Attorney general TO investigate this CRA! 

The following INQUIRIES will also be removed from my report, IMMEDIATELY without prejudice! 

XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX  XXXX-XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX-XX/XX/XXXXXXXX-XX/XX/XXXXXXXX XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX-XX/XX/XXXXXXXX-XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX*********THE FOLLOWING RESIDENTIAL ADDRESSES WILL ALSO BE REMOVED FROM MY REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT, XXXX XXXX XXXX CT -- Thank you, 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 2017-11-02
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: Personal information incorrect

Complaint:
I noticed on Equifax they have my name as XXXX XXXX XXXX and my name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
There are a couple of creditors listed on my credit report that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Problem with personal statement of dispute

Complaint:
on XX/XX/21, I wrote Transunion, XXXX, and XXXX regarding inquiries and verification/validation of debt. I do not believe the bureaus responded in a timely fashion, and I haven't received the requested information within the letter sent ie original contract with my signature on it. Please see attachment letters.

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 2017-11-09
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Chase Bank sent me a credit card in XX/XX/XXXX that never arrived and was later used to make fraudulent purchases in XX/XX/XXXX. Chase closed the account when they detected the purchase as fraudulent but they have refused to remove the charges against me. I have tried contacting them multiple times without getting any action from them. I have also filed police reports in XXXX XXXX, California ( where I live ) and XXXX XXXX, NV where the fraudulent purchases were made. 

Timeline : XX/XX/XXXX Fraudulent purchase at XXXX XXXX in XXXX XXXX for {$25000.00} ( APPROVED ) XX/XX/XXXX Fraudulent purchase at SuperStore {$320.00} ( DECLINED ) Fraudulent purchase at XXXX XXXX {$25000.00} ( DECLINED, which later was APPROVED ) XX/XX/XXXX I called Chase Fraud Department and was told that credit card account was turned over to Chase Security Department XX/XX/XXXX I called Chase Security Department XX/XX/XXXX I called Chase Security Department I faxed letter to Chase I set credit freeze with XXXX I filed police report with the XXXX XXXX Sherriff 's Department. The case was subsequently, turned over to XXXX XXXX Police Department. 

XX/XX/XXXX I called Chase Fraud Department and was told to call Chase Security Department next week XX/XX/XXXX I called Chase Security Department. Found out that Chase sent two cards, 1 in XXXX and another one in XXXX. I never requested for these cards. The card sent out in XXXX was received but the card sent out in XXXX was never received. 

XX/XX/XXXX I called Chase Security Department and was told that the case was still pending and no results until 10 days later. Someone was supposed to call back after 10 days but no one did. 

XX/XX/XXXX I faxed second letter to Chase XX/XX/XXXX Chase Dispute Department called. Case was still pending XX/XX/XXXX I called Chase Security Department and they were going to escalate the issue XX/XX/XXXX I called Chase Security Department. They would call me back in two days but no one did. 

XX/XX/XXXX I called Chase Security Department, was transferred to Dispute Department and then transfered back to Security Department. I asked to speak with a supervisor but no one was available. I was told that the case was still pending and it would take them 10 days to investigate, XX/XX/XXXX XXXX from Chase Lending Department called and informed me that I am still liable for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: EQUIFAX, INC.
State: MD
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:
Hello, The 90 days late from XXXX XXXX XXXX is a mail error due to a windstorm which misplaced my family from our home XX/XX/XXXX. XX/XX/XXXX, after a XXXX year sucessuful repayment rehabilitation loan program, XXXX XXXX sent new terms and agreement to a home I no longer lived and after they received returned mail failed to contact me further about the new terms with the company and hurt my credit after a serious family emergency which left my wife and child with no place to live. In XX/XX/XXXX, I discovered a 90 days late through credit monitoring. This force me to consolidate my loans and began repayment. I had no information on new terms for my loans and had a forebearance approved to keep loans current. Please assist with helping loans have the 90 days late removed. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I live in XXXX XXXX, VA - On XXXX, XXXX. I contacted NetCredit.com for a {$4200.00} loan with auto-repayment of {$110.00} twice a month. Since COVID-19, I called NetCredit and asked why did they take three consecutive payments in XXXX, XXXX during a global health and financial pandemic. They then explained to me that I owe another {$4100.00} dollars, I told them that is not what I agreed to, I only borrowed {$4200.00} ( 200 % interest fee ) and that's what my contract indicated. Since XXXX, XXXX, I have made a total of 41 payment of {$4700.00}. 
I had fulfilled my loan repayment obligations, but instead of coming to an agreement to Cease and Desist with multiple communications, NetCredit has started reporting me to all the Credit Bureaus to ruin my credit/FICO scores. I am at my wits end to end the harassments and threats to continue to report me to the credit agencies. Please send my complaint to Attorney General XXXX XXXX against NetCredit. They are still operating under predatory lending principles. There contract is confusing and very deceptive. I am fearful that I will loss everything. 

Sincerely, NetCredit Victim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Experian Information Solutions Inc.
State: WA
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: Problem with personal statement of dispute

Complaint:
on XX/XX/21, I wrote XXXX, Experian, and XXXX regarding inquiries and verification/validation of debt. I do not believe the bureaus responded in a timely fashion, and I haven't received the requested information within the letter sent ie original contract with my signature on it. Please see attachment letters.

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