BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Upon learning of a fraudulent account opened under my name, I contacted Wells Fargo multiple times. In person at a branch and over the phone and Wells Fargo continues to allow fraudulent activity! 
I have filed paperwork with Wells Fargo I have filed paperwork with credit bureaus and police departments. 

There is an internal worker of Wells Fargo that is assisting with the fraud under my name. Not only have they continued to contact me but my information in system has been changed also!

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 2019-10-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX XXXX several times to resolve this issue. For some reasons unknown to me I have 2 accounts with XXXX XXXX. I want them to show proof that I signed for these 2 accounts. This is ruining my credit report. I want them to show proof with documentation that I have 2 accounts or remove this fraudulent information from my trade line. I have also disputed this with Equifax and no one has sent me any proof that these 2 accounts belong to me. They both are the same amount at the same time. PLEASE PROVIDE PROOF THAT THESE 2 ME. I have attached a screen shoot of the 2 accounts that is showing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXXBalance : {$2200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance XXXX {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX Balance : {$490.00} ( Original Creditor : 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 2023-03-31
Company: Experian Information Solutions 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:
As of XX/XX/2023 Ive notice this fraudulent account As of XX/XX/2023 Ive notice this fraudulent account XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries 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

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 2019-10-29
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A couple of weeks ago I discovered my credit report in XXXX showed an unpaid balance of {$250.00} due to a company called XXXX XXXX XXXX. I do not recall ever using or seeking treatment for a sleeping disorder, nor do I recognize the name of the company, so I disputed the charge and asked XXXX to investigate. 

Today, XXXX came back stating they had investigated the account and it had been " verified as accurate ''. They also informed the account is now in the hands of a collections agency called Merchants & Professional Collection Bureau Inc., and has been given an account number XXXX. XXXX 's report shows the original charge or invoice date to be XX/XX/XXXX, and shows it past due as of XX/XX/XXXX. 

Simple online research showed both companies share the same address : XXXX XXXX XXXX, XXXX, Texas XXXX. I reached out to XXXX XXXX XXXX asking for documentation or proof that I incurred in such a charge. They have yet to replied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: BARCLAYS BANK DELAWARE
State: CA
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:
I was persuaded by a cashier from XXXX XXXX at XXXX XXXX on XX/XX/2022 during checkout that I was pre-approved for a Rewards Card and went on about the deals I could be getting. I initially said No, because I already assumed she is selling me a credit card, and that I opened enough credit accounts this year and I dont want to hurt my credit score. She then told me that since I was pre-approved, this wouldnt affect my credit score at all. I reiterated that back to her, and she said that this is a Rewards Card and you are pre-approved as I can see here, so dont worry about your credit score. I asked Are you sure this wouldnt affect my credit score? The cashier said Not at all. Then, a day after, all of the credit bureau informed of a credit score change and my credit score is down by XXXX points. I wish to dispute this, because this is plain false advertising, and I would like to see if I can settle this first without an attorney.

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 2018-10-08
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: Account status incorrect

Complaint:
I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: FC HoldCo LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I co-signed an auto loan for my daughter. The loan has been paid on time every month since its origination. Recently I was notified of a late payment or a payment not properly credited.I have sent a schedule of all payments along with cancelled checks for the past three months with no response. My daughter continues to receive collection calls, while I have never been contacted despite my guarante.It is an high interest loan with a beginning balance of XXXX and a current balance of under 6,000.00 No previous delinquency no previous collection efforts

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 2017-12-11
Company: BB&T CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I currently have an auto loan with BB & T and noticed that my most recent payment had not come out of my account. When I logged on to see what was going on it showed that the payment had been reversed. This is the second time this has happened! The first time BB & T called to inform me I was late on my payment ( I then had to pay a fee of course ) and when I asked why I was never told the payment was reversed they had no answer. I found after that I missed the last XXXX on my routing number which was why my payment was reversed. I receive emails that my payment has been processed but NEVER that it was reversed. How am I supposed to know that I did n't make a payment when my records from BB & T show that it was?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove the following alerts from all three of my credit reports : XXXX : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR 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 non-monetary relief
Consumer complaint received 2019-10-29
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call every two hours. When I answer the phone, they hang up every time. Had to call the number back to figure out who they were. The calls persist with no recourse for me to make them stop. This is my second complaint about excessively repetitive phone calls. They've been told to stop calling and they refuse.

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 2021-11-01
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My mortgage lender XXXX XXXX and XXXX XXXX XXXX have both tried to attain my credit report from Experian, and are unable to do so. There is no freeze or alert in place to prevent these two firms and the credit vendors to pull my credit. I have contacted Experian customer service and member service to resolve the issue for over 3 week. I am still having problem where my credit report is blocked my Experian. I have been trying to have my credit report pulled since XX/XX/2021. Vendors receive error message, credit report locked due to consumers request, I requested to have all alerts and freezes removed sometime aroundXX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On Equifax I just noticed on my credit report that there were XXXX hard inquiries. Now I never made those inquiries or authorized an company or agent to run my credit for possible goods, credit or services. I never authorized or applied for services from XXXX XXXX XXXX, I never sought credit from an account listed on my credit report as XXXX or from another account listed on my credit report as XXXX. I never applied to any program that would result in a hard pull on my credit report. I am therefore asking you that you please delete these inquiries from my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have previously filed a XXXX  complaint against XXXX and Equifax because of unfair practices. They have repeatedly decreased my score by 50 or more points when I am PAYING MY DEBT OFF. They continue to blame algorithms, but obviously these are incorrect. It makes absolutely no sense that a person should be punished for trying to eliminate their debt. They claim to give so many tips and tools that consumers can pay for to help improve their scores but when you follow these tips it backfires. My most recent change as of XX/XX/XXXX was decreasing the amount on a credit card by {$370.00} bringing my utilization from 98 % to 56 % and as a result XXXX decreased my credit score by XXXX points. Equifax takes a few days longer to update but they are typically in sync with one another on changes and results. This pattern of punishment for payments has been taking place all of XXXX and beyond. There are several other instances of similar actions. 

I believe I am being discriminated against by these credit bureaus due to the diligence I pay to my report and my unwavering stance towards ensuring all information on my report is accurate. Additionally, I do not believe my previous complaints were sufficiently investigated to determine a root cause. I believe a side by side comparison of someone of the opposite race with fairly similar credit patterns would show a significant difference if score calculation. Furthermore, I believe there are different algorithms assigned to different demographics or groups of people. As I informed them previously, if their CEO had the exact same change to his credit as I most recently had, his score would sure have not decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2023-03-28
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 non-monetary relief
Consumer complaint received 2021-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello I would like to report Capital One Bank. They are purposely and intentionally manipulating my bank account. I can no longer make withdrawals from an ATM. If try to make a withdrawal from an ATM it will diplsay a negative balance but when I go to the official Capital Bank Office I would get a positive balance. Also the bank will put a cap on how much I can spend when I have sufficient funds in the bank. This is a reflection of my past complaint. They are regulating how much I can spend when I have sufficient funds in the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Never received a bill in the mail so fell behind and XXXX credit limit card went into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: STERLING JEWELERS, INC.
State: MA
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:
The remarks are inconsistent for all the reporting bureaus. I have been disputing this but I still get the results. Please me out on this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: U.S. BANCORP
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received information from U.S. Bank stating that I have an opened credit card with them. The card has XXXX balance. I reached out to U.S. Bank and ask them to cloe the account becuase I recall having opened the account. They refused to close the account.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A fraud dept called me, stated someone is purchasing {$750.00} of liquor and other products from different stores! 
All 5 companies I then spoke with and stores! 
Each company stated ok! 
Each bank supposed to cancel all credit cards! 
Then send me new credit cards! 
Not one of the banks canceled or sent new cards! 
I have called XXXX, XXXX, Transunion and dispute all!!! 
Over and over with Police Reports to REMOVE ALL 5 ACCOUNTS FOR ERRORS AND INACCURACIES! 
PLEASE REMOVE ALL INACCURACIES!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In XX/XX/2020 I requested a free credited report from the three majors credit bureaus, I had no problem until I was filling out the credit report on TRANS Union web page, as soon as I finish and click for the report, dept. creditors started calling, the only wat they could have possible gotten my phone number is Trans Union shared my Personal Information, I believe this is a violation of my rights.

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 2023-03-28
Company: Experian Information Solutions Inc.
State: OH
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 am a Victim of Identity Fraud. I reviewed a copy of my credit report and ( XXXX XXXX XXXX  XXXX and XXXX ) ran unauthorized credit inquiries on me on, XX/XX/XXXX and on XX/XX/XXXX. 
I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as violation of my rights to privacy. Ive reported this to the XXXX Police Department. Please contact ( XXXX XXXX XXXX  XXXX and XXXX ) and investigate such occurrence.

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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