BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-12
Company: WELLS FARGO & COMPANY
State: CA
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 has been non-compliant with removing the unverified account WELLS FARGO DEALER SVC XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that WELLS FARGO DEALER SVC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-12-12
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: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I bought a Laptop from best buy for about {$1400.00} in XX/XX/XXXX, I was told if I opened a credit card I would get 1 full year to pay it off without interest after making over {$1200.00} of the payment leaving only a balance of {$200.00} I was unable to contact them. I called over 20 times and they were unable to find me in the system to make a payment. I received a letter via XXXX in XX/XX/XXXX stating I owe close to {$600.00} I called again and they were unable to find me. after giving them all my information many many times they realized that my social security number and phone number and name are all incorrect after figuring out the right information I requested they fix the issue so I can make a payment of about {$200.00} or even {$250.00} that said they will not drop a XXXX down and want {$600.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There are multiple problems with Transunion credit report. 

1. Name is incorrect, that is NOT my legal name. Needs fixed.

2. You have me working at a job before I was born, needs fixed.

3. The score is XXXX and at another agency XXXX. Needs fixed and explained. 


This is causing stress and problems with refi on my home and other debt. 


Transunion refuses to address these errors and problems. 

I have contacted legal representation and entered her name along with mine.

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 2020-10-11
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Aft

er filing a dispute against Chase bank with the CFPB, I believe Chase bank closed my account without proper authorization or legal cause. My demands were very clear in my complaint, and I did not give authorization to have my account closed unless they were fully, and clearly met. This was retaliatory. I made them aware that I will be reporting this on a new website, which I am building with my own money to warn others of this incident, and what I believe are predatory credit practices ( to which over 50,000 people agree, proof attached! ), and they closed this account in direct retaliation. Further, I can prove that I can easily pay this amount in full, at any time - with a credit history that shows I am not a " risk '' as they would call it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: Capital Accounts, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 I called Capital Accounts at ( XXXX ) XXXX to inquiry about a negative item on my credit report. I paid the debt and received a letter stating such. 

On XX/XX/2018, I called Capital Accounts because I wanted to know if and when they would contact the credit reporting agencies to report the debt as paid so the item would be removed by the agency. 

Before I was able to get a word in the representative said Yes Mr. XXXX I spoke with you yesterday and you want to set up a payment arrangement for the {$61.00} for XX/XX/2018 and that is something we will not do. 

Knowing the debt was satisfied I asked him if he wanted to review the account and then re address why I was calling. His response was I dont know. 

The representative was attempting to collect on a debt that was satisfied which is against the law and the representative refused to delve into my account in order to address my issue. 

I was transferred to a supervisor who told me his name was XXXX XXXX but instead of focusing the conversation around my complaint all the supervisor wanted to discuss was another account he had in his office for {$650.00}. I attempted to tell him that is not what I want to talk about but rather the incompetence of his collector but all he wanted to do was strong arm me into addressing an account that is not even with his agency. That account is with another agency and had already been set up on a pay plan. 

Capital Collections attempted to collect on two debts by making false statements and should be sanctioned accordingly.

After starting this complaint I called back to Capital Accounts as to inquire about the account number to associate with this complaint. A representative picked up the phone and addressed himself as Hello this is XXXX. I asked for an account number associated with an account that was satisfied and the collector said Mr. XXXX, please and proceeded to hang up on me. The company has refused to take any of my calls as to help me with my credit inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Experian Information Solutions Inc.
State: CA
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:
I have paid this account in full and when I tried to dispute it the credit buerus recommend that I contact XXXX XXXX. I called them at XXXX and spoke with XXXX # XXXX. He then informed me that card was under the last name XXXX which is not name. I asked him can I have the number to the collection agency and he stated that number is not linked to my 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 2018-12-29
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
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:
My card was used in XXXX on XXXX XXXX  a purchase that was supposed to be returned and never did

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 2019-09-17
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: Information belongs to someone else

Complaint:
I received a call from XXXX XXXX and XXXX Credit card companies. They both said that they had not received a payment. I thought that it was odd, since both we on auto bill pay. I looked into my accounts, and XXXX XXXX had been " paid '' but the auto bill pay for XXXX XXXX was gone. I called XXXX, and determined that the auto bill pay had been deleted for XXXX the same day that " XXXX XXXX '' had been paid. I noticed that the amount was different than normal. So I called XXXX XXXX and they confirmed that the payment was not made to them. I then called XXXX XXXX and reported the charge as fraud and the money was refunded to me. XXXX confirmed that my account must have been hacked and that I needed to change my user name and password and if the charges continued, then I would need to change my account number. I had the payments all set up, like I have for years, so I requested that the charges be removed as late from my credit as I immediately set up payment, but my account being hacked and fraudulently payments had been made in the company 's names. XXXX advised me that it was not their issue and to file a complaint with the credit bureau if I felt it was an issue. I was told " Good Luck '' with getting anything removed as someone hacking my account was not taken into consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: CITIBANK, N.A.
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:
I sent the bank documentation of a item that shows it was delivered but I never recieve. I contact Citibank to dispute the amount of XXXX and the rejected ny dispute

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 2020-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, my bank account was compromised. Three unauthorized payments of {$380.00}, {$320.00}, {$300.00} totaling {$1000.00} were sent using XXXX transfer without my consent before midnight to a person that I do not know named XXXX. While the payments were in processing I tried to call Bank of America 's fraud department to stop the payments but the department was closed and I had to wait the next day which is XX/XX/XXXX. I called the next day and they said that the transactions were completed and could not be reversed. I opened a dispute for the fraud claim for these unauthorized payments. The claim number ID number is XXXX. Bank of America also closed/froze my current bank account and then I had opened a new account with them. I waited 10 business days for the fraud investigation and they denied my dispute saying that the payment was authorized but I did not authorize these payments and am a victim of fraud. 
I have been a customer with Bank of America for 10 years and have never encountered this type of incident before and they could not even offer any protection. I have asked to have my dispute reopened and I am providing a police report to help back up my claim. I am not sure what are the next steps of action to take in order to get the money back especially during this time of hardship during the coronavirus I can't afford to lose this amount of 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 2018-12-29
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I was sick and missed my payment by one day. I called Citibank on XX/XX/18 and was told there would be no late fee or interest. Payment made in full on XX/XX/18. Payment was due on XX/XX/18. Today I learned Citibank charged me interest of {$19.00} and late fee of {$25.00} which posted on XX/XX/18. Today I asked Citibank to listen to the call as their rep told me no fees. They agreed to waive the interest fee not the late fee.i am requesting the {$25.00} fee as well as I was told no fees. Now they told me they will listen to the call I had w their rep on XX/XX/15-18 and I would have to call back. Been a customer for years and pay my bill each month in full. Sometimes we forget things. My son is a XXXX XXXX for six years and now u am sick. My time is valuable and I spent over one hour on the phone today and now I have to file a complaint. I feel Citibank is protecting their employee who gave incorrect info. Another rep today told me they have no recording but the second rep said he did listen to call and then said he has to listen to call. They appear to be sneaky and dishonest. This is not an ethical way to treat a customer.

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 monetary relief
Consumer complaint received 2021-05-04
Company: Diverse Funding Associates LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/2021 I received via US mail a communication that was post marked XX/XX/2021 from DNF Associates. Upon opening this envelope, the contents were found to be several credit card statements from a " XXXX Mastercard '' company. There was no letter addressed to me nor an explanation of why I was receiving this communication from DNF Associates. Upon further review, I have come to the conclusion that I am unfamiliar with the information which was sent nor have I been associated with " XXXX  Mastercard '' if this account was opened, it was opened fraudulently without my consent. If this communication is an attempt to collect a debt, DNF Associates failed to advise me of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Credit Karma, LLC
State: LA
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:
Hello, my name is XXXX XXXX XXXX, and as i was looking threw my credit report ; I came across a hard inquiry from XXXX XXXX for a past due bill I payed months ago .please help me get this removed from my credit report as it was resolved a long time ago. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: EQUIFAX, INC.
State: TX
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:
Since XXXX the three main bureaus primarily Equifax hindered sending me my updated and complete bureau reports. 
I am XXXX, publicly assisted and feel violated by the childish games they with phone banks being transfered to out of the united states customer services agents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/2020 Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the  remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account : XXXX XXXX Account Number : XXXX Provide Physical Verification : Unverified Account/Information about the account is reported incorrectly/Balance Incorrect * Please remove all non-account holding inquiries over 30 old Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2019-05-28
Company: Monterey Financial Services LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently signed up for monitoring company in which I first noticed fraudulent account reporting from company Monterey Collection SVC XXXX XXXX XXXX XXXX CA. I have no relations to think account this is a result of identity theft as I have reported to the FTC as Identity theft and seeking that it be removed as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: GA
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:
Hello, These accounts on y credit report aren't accurate. I don't recognize any.

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 2020-08-01
Company: Experian Information Solutions Inc.
State: AZ
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:
XX/XX/XXXX I saw a new credit card in my online banking with XXXX that I did not apply for. I called XXXX immediately and they told me it had been opened that day via online. They took a fraud claim and advised me the account was closed and it would be removed from my credit report ( Experian ). 

XX/XX/XXXX I received a letter from XXXX stating they completed their review, determined I was not responsible for the credit card account, and would ask the credit reporting agency to remove this account from my credit report. 

XX/XX/XXXX I saw the hard inquiry from XXXX from the fraudulent credit card still on my Experian credit report so I called XXXX. I spoke with XXXX who was completely unhelpful, told me he would email another department to see when the inquiry would be removed and I would hear back from them and he couldnt give me a timeframe to hear back. I also tried to dispute the hard inquiry through Experian but they told me they dont handle inquiry disputes and to contact XXXX XXXX. 

XX/XX/XXXX Hard inquiry still on my Experian credit. report So I tried to call XXXX again. I received a recording saying they were not taking phone calls ( due to Covid ) but I could email them so I emailed them. 

XX/XX/XXXX I received a call from the XXXX XXXX XXXX. who told me to get the inquiry removed, I had to call their Credit Bureau Dept. at XXXX, XXXX EST, Monday-Friday. This rep told me to advise that dept. to check the notation on the fraudulent account from this rep. dated XX/XX/XXXX. 

XX/XX/XXXX or XXXX, XXXX As instructed by the XXXX XXXX. at XXXX, I spoke with someone in their Credit Bureau XXXX. This rep stated she would resubmit a request to the credit bureau to remove the inquiry and would send me a letter in XXXX days. 

I then received a letter from XXXX dated XX/XX/XXXX stating that they asked Experian to update the XX/XX/XXXX inquiry to a soft inquiry and also encouraged me to review a copy of the credit report to confirm this update. 

XX/XX/XXXX I just got a new Experian credit report and the inquiry from XXXX from XX/XX/XXXX is still showing as a hard inquiry.

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