BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting me as 30 days late on the XXXX/XXXX partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the two bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts

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 2019-08-22
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
This is a XXXX XXXX prepaid Visa 1-2-3 rewards, not to be confused with the 1-2-3 Master card. My prepaid card is used almost exclusively to make it easier to pay bills ; as I'm XXXX and on a fixed income. 
The monthly fee for this type of card is {$3.00}, but if your balance is less at the time the fee is charged, they charge less. 
I had {$28.00} on my card on XX/XX/2019 ; the date the fee comes off They charged me {$4.00} and when I called to inquire about this the rep told me the fee changed XX/XX/XXXX. I stated I had not gotten anything letting me know this fee had been raised and the rep said she could not do anything about this I then went to the XXXX and looked at the FAQ 's updated XX/XX/2019 for this particular card because they have several different cards with different terms There it tells you that the fee is {$3.00}, and under the cardholders agreement, the same. It had also been updated XX/XX/2019. It further states that if they are changing the fees associated with this card, they will give written notice prior to the effective date as required per applicable law. According to FDIC.gov rules on their website, it states that the increase must be in writing and highlighted in some manner. I did not get anything from them. When I had finished my homework ; so to speak, I called back. I told them what I had found. They put me on hold to look for themselves. The floor supervisor I was speaking with came back and said that he just checked the website and it states the fee is now {$4.00}. I told him he was crazy because the website I was at said no such thing! I asked him to waive the fees. He said no. I am pretty stressed at this point in the whole darn mess. I needed that money for a bill. It is unlawful to do what they have done. Besides my not receiving written notice, it clearly states their rates are different than what they are charging and that is false advertisement, I am pretty sure. At least in California it is.

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 2018-04-23
Company: EQUIFAX, 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:
My identity was stolen and someone use my information to opened number of account 's in my name it's causing me too much stress with my wife XXXX, XXXX. 
Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated - Credit Limit - Past Due Amount {$1500.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXXXXXX, XXXX, IL XXXX Ownership Individual Original Creditor XXXX XXXX XXXX Company Sold-to - Original Amount {$1500.00} Comments - DISPUTE GUIDEPRINT XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$180.00} Balance Updated - Credit Limit - Past Due Amount {$180.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$180.00} XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$900.00} Balance Updated - Credit Limit - Past Due Amount {$900.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$900.00} Comments -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-08
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: Their investigation did not fix an error on your report

Complaint:
After many attempts to resolve this issue, XXXX and XXXX continues to report the following items : Equifax : XXXX, XXXX XXXX XXXX XXXX ( attached to bankruptcy ) XXXX : XXXX XXXX XXXX IL XXXX / XXXX XXXX : XXXX XXXX / XXXX XXXX had deleted and is no longer reporting the bankruptcy items. These credit reporting agencies who were getting this information from XXXX continue in blatant violation of the FCRA to report these items ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03
Company: Experian Information Solutions Inc.
State: DE
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 pleading for your help in getting this erroneous account removed from my credit reports : XXXX XXXX Account # XXXX. I have been disputing this account with the credit bureaus and creditor for over 1 year. Not only is this account not mine but it is also reporting completely inaccurately. Please see the attached snap shot from my credit report pulled on XX/XX/XXXX from XXXX XXXX showing how this inaccurate account is reporting on my credit report. 

How can the loan be reporting as opened with Experian on XX/XX/XXXX and reporting as opened on XX/XX/XXXX on XXXX? How can the terms be " 12 months '' on Experian and due weekly on XXXX? How is my high credit limit {$500.00} on Experian with no credit limit reporting on XXXX? How is the date last reported on Experian XX/XX/XXXX but on XXXX  its XX/XX/XXXX? How is the date last active on Experian XX/XX/XXXX when its reporting as XX/XX/XXXX on XXXX? The account is reporting as charged off on Experian from XXXX XXXX XXXX but was reported as a charge off on XXXX  starting in XXXX XXXX XXXX and now is reporting in good status??? 

I have even spoken to representatives from Experian who stated that they never received any verification that this account belonged to me but simply received a letter from XXXX to " Leave the account on my report '' How is this fairness in reporting?? 

How can this possibly be accurate reporting? Per CFPB 's own website " The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. '' There is nothing fair or accurate about the reporting of this account and it should not only be deleted immediately but I should be entitled to remedy as is my right as a consumer for the year that I have fought to remove this accurately reporting account. This is clearly willful negligence on behalf of both Experian and XXXX. 

Per the CFPB website : " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected ... '' This information is completely inaccurate, incomplete and unverifiable and it should be deleted IMMEDIATELY. Not in 30 days as I have waited over 365 days, this account should be removed right away! 

Please remove this account immediately : XXXX XXXX Account # 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 2018-02-01
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:
Greetings, Greetings, I have initiated disputes with XXXX  and Trans Union to remove incorrectly reported late payments for XXXX Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my credit reports. XXXX and Trans Union will need to provide validated proof to be authorized to report the correct information per the Fair Credit Reporting Act. I have provided all requested documents to XXXX  and Trans Union to get this issue resolved in which they requested. I have also reached out to the creditor but they have also fail to fully validate the account was late during the months being reported on my credit reports. The account is currently in good status with a defferd till XXXX. Below are the reported late months that should be updated on my XXXX  and Trans Union credit report.. Should you need any additional information please let me know. 

Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX Trans Union Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX # XXXX XXXX, PA. XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, PA XXXX XXXX : XXXX DOB : 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 2020-06-24
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was appointed the guardian and conservator of my parents. I took the paperwork to Chase bank and XXXX XXXX XXXX XXXX, where my mother and father have accounts. Both refused to give me access to the funds they have in their account. Both said I need a financial power of attorney. Chase opened two conservator checking accounts but did not close the other accounts saying my name is not on them and I have not right to the funds in them. I went to XXXX  on XX/XX/XXXX to the XXXX branch and then I tried again at the XXXX location, on XX/XX/XXXX, I think I'm not sure of the date I went to the XXXX branch, except it was the following week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
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: Credit inquiries on your report that you don't recognize

Complaint:
I didn't authorize any company to open my credit report please have this credit increase removed immediately XXXXXXXX XXXX XXXXXXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, Used Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type All Banks Phone Number MAIL ONLY Address XXXX XXXX XXXX  XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Telephone Companies Phone Number MAIL ONLY Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-NY Date Filed XX/XX/XXXX Type Telephone Companies Phone Number ( XXXX ) XXXX Address 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 2018-10-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I had a deposit made by a cashier 's check into my Wells Fargo account of {$2000.00}. The teller entered the deposit wrong causing me to call and question it. Upon calling, I was told that there was a fraudulent check made out of my account. I had to open a fraudulent case on my account. I later found out that teller entered the cashier 's check wrong and it was not a fraudulent check out of my account nor was the cashiers check fraudulent. So, the person who answered the phone also read the transaction wrong and told me there was fraud on the account. I have been waiting to have access to my money since XX/XX/XXXX. Bank states that a copy of the cashier 's check has to be sent out to me first which I have not received. All of this could have been avoided if the teller would have entered the transaction correctly and if the person answering the phone would have had the proper training and identifying the cashier 's check numbers versus regular check 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 monetary relief
Consumer complaint received 2021-04-30
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is trying to collect money that I never owed them. I had a credit card with Comenity Bank-XXXX XXXX-original acct # ( XXXX XXXX -There # XXXXThis acct was charged off to a zero balance by Comenity BankXXXX XXXX XXXX XXXX I cant owe a balance that no longer exists to the company that extended me that credit. I should not have this debt on my credit report. I never had credit with this company and Comenity BankXXXX XXXX should be released from my report after no more than 7 years-This is like double jeopardy. Being held accountable for the same debt twice. Please get this removed, I dont even know who this management company is. I never owed them money/ I never borrowed money from this Management Company. 

Please get this company removed from my credit report. I dont owe them money, I never did! 

Thank you in advance for your immediate attention pertaining to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed a fraudulent charge on my account in the amount {$2200.00} I am a victim of identity theft and I did not make or authorized this charges I have 7 years freeze on my credit report since XX/XX/2016 but still XXXX  XXXX   XXXX XXXX XXXX Account XXXX still send me a letter for collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019 I received an email notice that a transfer into my Wells Fargo Business Checking Account had failed because the account was closed. I called Wells Fargo the next day to find that the account was closed for inactivity. However, the account had been active and I had been primarily accessing the account through ACH transactions ( payments from customers as well as payments to credit cards used in my XXXX   business ). I was informed that the account could not be reopened once closed, despite the acknowledgement that the account was clearly active and appeared to be closed in error.

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 2018-03-12
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 contacted Equifax because my credit report was showing foreclosure that has been on there for 5 years and I did in " Lieu of Deed '' to avoid bankruptcy of a 2nd home bought for my sons. I contacted Equifax because this should have been on my credit report as in Lieu of Deed. After disputing this, they then drop my score by 20 points because of this investigation. I tried to talking to people with Equifax and can only talk to Foreigners that I could barely understand and they could not understand me and didn't care. I have called several times and still could not talk to one American person that I could actually explain my problem to. They don't care!!!!! 

This is unfair. I pay my bills as required and that is stated on my credit report and now my credit score drops 20 points because of a dispute. I need to know who can help me and that can actually understand me and that I can understand as well. I need help now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Their was fraud on my credit card. Capital one has reimbursed the fraud charges, but hasnt reimbursed fee and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: TD BANK US HOLDING COMPANY
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:
I an a customer of TD Bank. On XX/XX/2021 XXXX I received a text message alert regarding potential fraufulent activity on my TD Bank Cash Credit Card . An order was placed on TARGET.COM. I replied within 1 minute ( XXXX ) that I didn't place the order and it was in fact fraudulent. I followed up with a phone call within a few seconds ( XXXX ) and was reassured that everything was OK, my Credit Card was closed and I was issued a new one. However, TD Bank did nothing to stop the transaction or cancel the order. Within the next few hours I received an email from Target thanking me for opening an account with them, ( which I never did ), and then, 5 hours later, thanking me for picking up the order at the Target store. Since I never shared my email with Target, never had an account with them, I suspect that TD Bank is responcible for the data breach. 
I opened a dispute case with TD Bank and followed up many times but my dispute was denied with the explanation that 'all the details match '. I asked to reopen the case, it was declined again and I wasn't even informed of the decision. 
What is the point of having a fraud detection & alert system if it fails to stop fraudulent transaction given 5 hours to do so?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I, as well as my neighbors, have had multiple credit cards stolen from the mail. 

Most credit card companies, upon being notified, have immediately canceled the card and refunded the fraudulent charges. 

Bank of America, on the other hand, has refused to cancel the charges, claiming since the card was physically present, I am responsible. 

My Bank of America credit card had never been used in the previous 5 years, and yet, upon being used for a number of charges, no fraud alert or notification was sent to me. I personally noticed the charges when I was billed, and immediately notified Bank of America. 

During Bank of America 's investigation they noticed there was another phone number on my account, but they could not identify where that phone number came from. Was it used to activate the stolen card, or did someone else have access to my account? The only thing they claimed was since the card was physically present ( obviously, since it was stolen ), I was liable for those charges, which was a total of {$53.00}. 

As far as I can tell, Bank of America is unable to adequately protect its clients accounts and also unable to adequately investigate fraudulent charges. I have since closed my account, but am looking to get those fraudulent charges dismissed. 

My credit report shows that I normally have thousands of dollars of revolving debt every month, all of which is paid on time. However, I refuse to pay even {$50.00} for charges I did not make.

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