BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23 someone gained access to my debit card and used it at two XXXX XXXX, XXXX, XXXX, and an online company in the amt of {$2000.00}. I also found out that somehow they had my pin number as well, which is very concerning because I've never shared my card or my pin with anyone. The last time I used the card before this happened was at a WF atm. I received an email early XX/XX/23 telling my account was at a XXXX balance and I know something was wrong because I had my rent money in my acct. I called Wells Fargo Fraud Dept and reported it and I was advised that it would take 10 days to investigate. On the 10th day I called and was informed that my claim was denied because the chip was used. At that point I decided to do my own investigation since WF didn't and go to the different merchants to get copies of receipts. The XXXX receipts show the persons name that used my card to get them a new membership. It also shows this person name, address, and phone number. I also received the XXXX receipt that shows a different name and phone number then the person that used it at XXXX. I filed a police report # XXXX and I provided all receipts to WF and they gave me a provisional credit while they would a do a second investigation. I received a letter today that explained the claim was denied a second time because the charges are mine or I let someone use my card, but I had my card in my possession the whole time. I never let anyone use my card or give out my pin. In the letter they advised that they would be deducted the {$2000.00} out of my account. I've been a loyal customer to WF over 30 years and they are taking my money for some charges that I NEVER authorized. I will be closing my account and seeking legal advice to see what options I have.

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 2022-07-19
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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # 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 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 2022-07-19
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Union Bank sent me a letter on XX/XX/2019 notifying us of a change of billing address to a XXXXXXXX XXXX  address. It stated " if this address is incorrect, please notify our office immediately at XXXX. '' I called immediately, and many times after that to get the address updated, but they never changed it. I was also unable to access my account online. It went to collections, but I had no way of verifying what of the charges on the account were mind, and no one would assist. Today I spoke with XXXX XXXX today at a collection agency ( XXXX XXXX. ) and tried explaiing this to him, and he stated he had no way of having me pay off the 'last balance ' that I felt I was responsible for before the fraudulent address change, and could only go by what Union Bank had sent to them. When I called Union Bank 1st, they were no help, and directed me to the collection department who then directed me to XXXX XXXX XXXX XXXX XXXX. I also tried to set up a payment plan, but XXXX was rude and condescending and told me the amount I suggested wasn't good enough.

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 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I gave no consent for your company to furnish any hard inquirys on my consumer report. 


This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted.

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 2021-06-07
Company: AMERICAN EXPRESS COMPANY
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: Problem with personal statement of dispute

Complaint:
This is a follow up to my original complaint against American Express and their failure to follow the Federal Law and mark my Credit Reports with my Dispute of the account they are reporting with them. I've sent 3 different letters via the USPS Certified Mail and all were signed off on at American Express on XX/XX/2021, XX/XX/2021 and XX/XX/2021. These were all confirmed delivered from American Express ' communication to me in response to my complaint with the CFPB ( Attached ).

American Express has violated the Federal Law and my rights under the FCRA by not marking my Credit Reports within the 30 days allowed per the Federal Law and the FCRA. I've attached Proof of this of my Credit Reports from the following dates XX/XX/2021 ( well past the 30 days of my dispute letter received by AMEX on XX/XX/2021 ) XX/XX/2021 ( well past the 30 days of my disptute letter ( s ) received at AMEX on XX/XX/2021 and XX/XX/2021 ) XX/XX/2021 ( well past the 30 days of my dispute letter ( s ) received at AMEX on XX/XX/2021 and XX/XX/2021 ) I've enclosed all the letters that were sent to AMEX, the USPS Certified Mail receipts that they signed for them and received them, and copies of my Credit Reports on 3 different dates showing they violated the FCRA and Federal Law by not marking my Credit Report with remarks that I am disputing the information they are reporting. My rights have been violated by AMEX not following Federal Law and also my rights under the FCRA. Their failure to follow the Federal Law and my rights under the FCRA, has affected my ability to obtain further credit. This will also be filed with the BBB and the Office of the Attorney General.

Thank You for your attention to this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On my Citibank statements every month you can see the balance due is paid off by the end of billing cycle. The purchases compared to payments always add up until the XXXX statement. I paid the card off in the amount of XXXX but Citibank somehow recharged it or didnt actually take the payment off, again looking at the statements, it proves this. I had had fraud so in the course of 2 weeks I had 3 different credit card numbers attached to the one account. During one of the many calls I made to Citibank a few employees said they seen where it was credited to one number but not removed from another. They are saying my amount due is the exact amount I paid off at XXXX. I have requested an accountant go through the last year of my charges and payments but citi bank only sent a letter telling me they consider this matter closed and will no longer address my concerns. I feel like they are committing some type of fraud to the customers. I paid XXXX, have proof if was deducted from my bank and proof it shows Citibank recharged it on XX/XX/XXXX. They refuse to look anywhere past the obvious numbers they see. I gave my credit card number in the next section however I had 3 different numbers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
Someone fraudulently opened 4 capital one credit cards in my name that I just recently found out about and have been in contact with capital one to dispute it, to have the fraudulent credit accounts removed from my credit and they refuse to remove the fraudulent accounts and are holding me liable for the balances on them when I never opened the accounts to begin with. I am not liable for opening the accounts or the charges associated with them and need the 4 accounts all removed within the next 15 days. Capital one is claiming they completed their investigation and found no fraudulent activity when there was in fact fraud perpetrated in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Special Financing Company, LLC
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 've disputed the inquiry from PARADIGM ACCEPTANCE on multiple occasions asking for verification from them since they are the ones reporting on my Credit file to  XXXX  for physical verification this inquiry was in fact made by me. I 've not been provided proof and the company is still reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Exeter Finance Corp.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed This account on my credit report that does not belong to me. I requested verification of this debt however I received no physical proof of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: BARCLAYS BANK DELAWARE
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX, Barclays Bank, and XXXX. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. The Account Opened is Barclays Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2022-07-19
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: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  Employers : XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Record : XXXX  XXXX Bankruptcy XXXX Inquiry : XXXX  XX/XX/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 Experian Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Public Record : XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XXXX 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 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  Employer : XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Public Record : XXXX XXXX Bankruptcy XXXX Collecons : 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 XXXXXXXX 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 2022-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A fraudulent Bank of America credit card was opened in my name on XX/XX/2021. I have contacted Bank of America to alert them of this account and to have it closed and removed from my credit report. 



I request that Bank of America close and remove this account from my credit profile/report 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 2018-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
after my social security number was hacked in XX/XX/XXXX I received a debt collection from natcred in the amount of XXXX.dollars on my credit report but that is DATED from XX/XX/XXXX it is utterly moronic first ; for a debt collector to wait 4 XXXX years to start collecting on something. 2ndly that the only process this repugnant credit reporting agency does as an investigation is contact this debt collector which they ALWAYS say yes and then im stuck with a debt on my credit report forever. this illegal and frivolous way of investigating clearly shows the bias and discrimination both XXXX and transunion have towards the customer and how well they lay in bed with the debt collector. Furthermore it makes ZERO!!! XXXX sense that after my bankruptcy filing and clearance in XX/XX/XXXX I have gone 9 XXXX years without ANYTHING!!! on my credit report UNTIL AFTER!!! this hack occurred and my social UNsecurity number is out for anyone to get and use. neither transnunion nor XXXX take a customers word as evidence but they sure as XXXX take a debt collectors based solely on the fact that they give my social security as evidence and they NEVER use common sense or logic when reviewing a credit report. since my bankruptcy I have had perfect credit until my information was hacked. and lastly it is further repugnant that transunions last response is to not believe that I XXXX XXXX am the one trying to fix my own account and there only cheap excuse to refuse to investigate and fix my credit report is a rebuttal that my social security number isn't enough to review and fix this problem. use one iota of common sense why would someone that isn't ME!!! be trying to fix my XXXX credit report you pack of 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 2021-06-07
Company: Credit Control, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have an open dispute with XXXX XXXX because my checking account that I put on auto pay was compromised and XXXX XXXX also failed to send me any notice or make any attempt to call me to let me know that the payment was not being posted to my account .I spoke to XXXX XXXX executive office Miss XXXX and she gave me a phone number for a city control collection agency the speak to them regarding this account. With the permission of the representative he recorded my call and I recorded his call For our future references .He disclosed to me but he sent a validation letter For the debt Show my home address in XXXX in the month of XXXX. it is not true at all I never received any letter regarding this matter in the month of XXXX. My Mailbox is locked so no one has access to it. He also indicted have an open dispute with XXXX XXXX because my checking account that I put on auto pay was compromised and XXXX XXXX also failed to send me any notice or make any attempt to call me to let me know that the payment was not being posted to my account.I spoke to XXXX XXXX executive office Miss XXXX she gave me a phone number for a city control collection agency the speak to them regarding this account. With the permission of the representative he recorded my call and I recorded his call For our future references.He disclosed to me but he sent a validation letter For the debt Show my home address in XXXX in the month of XXXX. it is not true at all I never received any letter regarding this matter in the month of XXXX. My Mailbox is locked so no one has access to it. He also indicated to me that he wants to collect and verify that from me but at the same time he has no control over what XXXX XXXX does with my account. I just want to clarify that I have a pending case with XXXX XXXX and I will be taking action against them in XXXX County Superior Court And I will include account controlled collection agency for violation of fair debt collection Act especially during covid-19.ed to me that he wants to collect and verify that from me but at the same time he has no control over what XXXX XXXX does with my account. I just want to clarify that I have a pending case with XXXX XXXX and I will be taking action against them in XXXX County Superior Court And I will include account controlled collection agency for violation of fair debt collection Act especially during covid-19.

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 2017-04-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Remarks : Unpaid balance reported as a loss by credit grantor. The account was paid in full. Incorrect information. Please delete account from my report. In violation of the FCRA &amp; FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

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