BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
HELLO, ON, XX/XX/XXXX, I WAS, STUMPED TO RECEIVE A CALL THAT, MY BANK ACCOUNT WAS, NOT MINE. THEY ALSO, REPUTED THAT, I WERE, XXXX, XXXX XXXX XXXX, THE BANKS I AM MAINLY IN RELATIONS WITH, IS, WELLS FARGO BANK XXXX WHICH MEANS ALL MY BANKS ARE, CONNECTED. THE NAME, THEY WOULD, HAVE STOLEN IS : XXXX XXXX XXXX.I, WHICH IS, IN SOLELY PRIORITY OF, MY HERITAGE AND INHERITANCE, WHICH PEOPLE LIKE TO GO AROUND CALLING ME, WITHOUT 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 THEY MIGHT ASK AS, REPITUTATED AS, WHAT, BUT I AM THE BOSS XXXX FOUNDER OF EVEN THIS, ESTABISHMENT, THUS, THE ONLY XXXX, WORKING. THE OTHERS, FOR, THEMSELVES. PLEASE, COULD YOU RECOOPE, MY LOSES AND GET THE XXXX, THE HECK OUTER, HERE. FROM, ALSO, XXXX XXXX. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, SERIOUS MATTER.

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 2018-03-02
Company: FIRST NATIONAL BANK OF OMAHA
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The First National Bank of Omaha advertised for and provided disclosures on a credit card to suppor the XXXX XXXX XXXX. The First National Bank of Omaha has recently stated that it will not longer offer that card. Nowhere in the initial disclosures was there a clear and prominent statement that they may submit to cultural pressure and stop offering the credit card. There disclosures were extremenly deceptive in their advertisting. This decision has caused me severe financial harm as I am having to find a replacement card for an organization that I support, spend time changing all my pre-arranged paments to that card, and start using that card over the FNBO card.

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 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I recently completed a loan rehabilitation of my XXXX XXXX loan we took out for our son some years ago. The loan defaulted due to non-payment by our son. We then worked with XXXX and XXXX to create a rehabilitation plan to bring the loans in good standing. We made the scheduled nine payments of {$1000.00} and the loans were then transferred to XXXX ( new loan servicer ) in good standing. As part of the signed agreement that I provided to the credit reporting agencies, it states on paragraph 10 item C, Department of Education will request that credit reporting agencies remove the record of default on the rehabilitated loans. As of today, the record still remains on my credit report and is prohibiting me from obtaining credit. It is the only blemish on my credit report and needs to be removed based on the agreement we signed with XXXX and XXXX who represented the Department of Education in this matter. I have contacted the Department of Education, XXXX and XXXX and Credit Reporting Agencies to get this resolved and nothing has happened as a result. The credit reporting agencies reported that the Department of Education denied our request to have the accounts removed. Please help me get these accounts removed from record as I feel I have done my part to rehabilitate the loans and all I ask is the Department of Education to do what they agreed to do in return.

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 2023-08-03
Company: EQUIFAX, INC.
State: NE
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:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} TRANSUNION : XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXXBalance : {$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 non-monetary relief
Consumer complaint received 2020-06-02
Company: Direct Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received robocall/phone call XX/XX/2020 XXXX XXXX from someone claiming to represent a company called 'direct recovery services ' (? ), said call was a message for a person whose name I did not recognize about some sort of debt, do not know why company called my number, do not know anyone by the name they mentioned, I personally do not have any debts that I am aware of, company wanted person they were calling for to either call them at an 888 number or go to a website, click on a url and enter a number, very concerned that this may have been an internet fraud attempt, also reporting this to State of Texas Attorney General 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
State: MA
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2022-06-18
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX  Account DPT EDXXXX # 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 2018-06-02
Company: ABR Recovery Services LLC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been trying to reach Abr recovery services by phone and e-mail seems to me this company has block all access for me to send copies of the faxes and the letter, that was sent on XX/XX/XXXX,XX/XX/XXXX and three other times that they were contact, another form of harassment. I can be reach @ XXXX XXXX, XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: General Information Services, Inc
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After applying for XXXX XXXX XXXX I was notified my consideration would not go further due to findings of driving abstract furnished by GIS included was a copy of that report. There were six negative mark 's. I disputed all but one. Three days later I received in the mail, the results of the investigation. This contained a driving abstract three times worse, containing outdated, more than fifteen years, information multiple offense 's inaccurately along with a statement claiming that I declined the disputed. This is not true. This time the report came from XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Charged with overdraft Missing money

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 2023-01-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am making a complaint about the 3 Credit Bureaus Experian, XXXX and XXXX are reporting incorrect addresses on my credit report. I have tried to fix this issue and it keeps coming back as VERIFIED. The address does NOT belong to me nor do I have any knowledge of this address. The address is XXXX XXXX XXXX XXXX Florida, XXXX Please DELETE this address because this is misleading and is going against my consumer rights. I have made an Identity report on several accounts and I believe this address is attached to fraud accounts.

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 2019-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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 customer service

Complaint:
XXXX from the executive customer relations team sent me a form letter and failed to resolve the customer service issues of my complaint. The XXXX from customer service is at extension XXXX, He left me a voicemail in XX/XX/XXXX, and today we were on the phone ( after I've sent him numerous voicemails ) and the call was disconnected. We had not yet addressed the concern. I called back and left yet again another voicemail for XXXX. I called a supervisor with Capital One and they told me they contacted XXXX and he refused to speak to me. The call was disconnected mid sentence and he won't even finish the phone call. It was on a recorded line. The company has failed to address my concerns around customer service numerous times and now just evades my contact. As a consumer Capital One is engaging in predatory behavior. They ran my credit, to open up a credit card, are not addressing my concerns and now refusing to talk to me about the issue. Besides XXXX the following representatives have failed to listen. You can hear in recorded phone calls them flat up denying to investigate what I allege I was told. THe rep names and ID 's besides XXXX whose name and extension are above are : XXXX XXXX XXXX XXXX Shy XXXX XXXX XXXX XXXX XXXX And once again XXXX with executive customer relations XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
These hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 around XXXX, I received a text alert from Netspend that a transaction on a card that was in my possession ( never stolen or missing and rarely even used ) for {$3100.00} was PENDING from XXXX XXXX XXXX XXXX XXXX FL . I immediately called my bank to block the card ending in XXXX and told them that I did not authorize this. I am a XXXX veteran and this took 99 % of my XXXX check. I have had direct deposit of my VA XXXX checks with Netspend for over 10 years. I asked them to stop this pending transaction and was told by the CS that I had to wait until it posted to do a dispute. 

The next day, the transaction ( {$3100.00} and {$3.00} over the counter fee from XXXX XXXX ) posted to my account with the following memos : Signature purchase from XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX XXXX Card ending in XXXX Debit : OTC Withdrawal Fee Posted on XX/XX/2020 at XXXX I immediately filed the dispute over the phone and also a written dispute via fax and email as instructed on XX/XX/2020. I was told that I would get a provisional credit as they investigate my claim ( # XXXX ) however, as of XX/XX/XXXX Netspend stopped replying to my secure messages online, and when I called about a provisional credit to pay my rent and bills that are due by the XXXX, the CS gave me the runaround aside for stating that my claim could take up to 10 days ( XX/XX/XXXX ) to investigate and that a provisional MAY be issued if it takes longer than XX/XX/XXXX. I was on hold for a supervisor for over 2 hours before they hung up the call. I have called several times about this and I have no resolution. 

I am unable to pay any of my expenses to include Rent, car payment, car insurance, etc. I have incurred late fees, non sufficient fund fees from my bill collectors as a result of this fraudulent transaction. I believe that Netspend is withholding my money because this is an inside job with an employee of Netspend and an employee of XXXX XXXX. 

Please help me, I want all my funds back and to be made hold. I suffer from major XXXX XXXX and XXXX XXXX, since the day this occurred, I have been under undue XXXX unable to XXXX  and enduring several XXXX XXXX a day. I need help immediately!

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 2018-03-02
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
3 Fraudlent charges on my TD Bank Debit Card ( please see attached images ) totalling {$490.00}. The charges were to XXXX XXXX XXXX and XXXX XXXX XXXX. 

XX/XX/18 - XXXX XXXX XXXX {$400.00} Another charge to XXXX XXXX XXXX {$8.00} XX/XX/18 - XXXX {$81.00} I told my bank and they can not guarantee I will be refunded my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
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: Their investigation did not fix an error on your report

Complaint:
XXXX and Experian are reporting incorrectly a {$31.00} balance due on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account is over ( 7 ) years old and reporting this account is a violation of the Fair Credit Reporting Act. This negative reporting is harming my credit score and this line item needs to be removed from my credit 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 2023-11-28
Company: Uprova Credit, LLC
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Took out a loan that was supposed to be a max of 20 % interest and once loan financed the I terest rate was 687 %

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 2022-09-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXXXXXX XXXX XXXX  XXXX i believe this company violated code 15 USC 1692c B communication act. 
this company is also reporting every month on my credit report in the month notes as collection, which is wrong. once a debt has went to collection it is closed and only supposed to be shown in notes or status.

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 2023-06-15
Company: Experian Information Solutions Inc.
State: IN
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 disputed the new collections account with XXXX. Letting them know that I had already filed a complaint with CFPB about XXXX. They ignored my dispute immediately and even when I submitted proof refused to do anything about it.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 

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

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 2018-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Several months ago I filed a complaint with the Consumer Financial Protection Bureau, against XXXX XXXX XXXX for reporting erroneous late payments to the credit bureau. 

I also file complaints against XXXX and TransUnion falsely lowering my credit score ; reporting incorrect late payments and refusing to remove inaccurate collections on my records. Today I reviewed my credit report and both credit reporting agencies are indicating I am 4 payments behind on my vehicle loan. The report is showing I am 30-90 days behind on my vehicle loan with XXXX XXXX. I am at the mercy of these credit bureaus because it takes 30 days for them to investigate and another 30 days for them to correct the error. Then the error appears back on my credit report. I have been fighting this since XXXX. I contacted XXXX XXXX and their representative says they are not reporting any late payments. Please tell me what to do

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