BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: WELLS FARGO & COMPANY
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:
Wells Fargo and fraudulent debit card transactions. 

I noticed a number of debit transactions on my Wells Fargo checking account. I cancelled the card and reported the transactions. I rarely use this account and the transactions date back more than 60 days. I Understand that all transactions beyond 60 days are not usually returned. 

Wells Fargo credited my account for {$420.00} and {$13000.00}. The {$420.00} became final and then Wells Fargo alerted me to the larger dollar amount. I finally went through the account and found more charges to another vendor and reported an additional {$6400.00} I called to check on the {$6400.00} amount and Wells Fargo told me I withdrew the claim. 
They refuse to call back, email back or contact me in any way. 

The vendors are credit card processors for consumer-facing bitcoin sites with horrible online reputations. XXXX and XXXX XXXX. I filed a police report and a report with identitytheft.gov. I sent Wells Fargo the reports. 

I spoke briefly with the high dollar fraud rep who claims to have evidence proving it was me that made the charges, however, this was a debit card and the was never used. They said they would escalate my claim to the executive office. They did not and now they have debited me the {$13000.00}. 

The totally amount of fraud was over {$28000.00} with approximate {$10000.00} more than 60 days old at time of reporting. 

Please note the following : Claim numbers are XXXX & XXXX XX/XX/XXXX, to XX/XX/XXXX ( day before the first XXXX  transaction posted ) the account posted a TOTAL OF 114 TRANSACTIONS. 

XX/XX/XXXX to XX/XX/XXXX, a total of 231 transactions. The only difference in the pattern is transactions to XXXX and XXXX The dramatic increase suggests fraud. The spending patterns do not in any way correspond to the account history From XX/XX/XXXX, to XX/XX/XXXX, ZERO transactions with either merchant, XXXX or XXXX. 

From XX/XX/XXXX, to XX/XX/XXXX, 151 Transactions combined between the two merchants XXXX & XXXX in the amount of {$28000.00} Thus the Wells Fargo conclusion that suddenly on XX/XX/XXXX, I decided to patronize two extremely disreputable Cryptocurrency merchants constantly for the next 93 days without a pin number for nearly {$30000.00} is not credible. At least 10 of these transactions occurred while I was not in the country or on an airplane. 

Wells Fargo claims I withdrew the dispute but it is Wells Fargo who are denying my credit. 

The people responsible for this mess are XXXX and 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 2021-04-29
Company: Bread Financial Holdings, Inc.
State: UT
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:
Comenity Bank/Victoria Secret is reporting lates on my credit file. These lates are for the months of XX/XX/20 and XX/XX/20. During these months the pandemic first hit and i was out of work for those couple months i was late on. The pandemic severely impacted my financial situation and i couldn't go back to work even if i wanted to. I have since then made all my payments on time and plan to continue this way. The lates were due to the pandemic hitting us and i am asking that you remove the late remarks from my credit file as making the payment 's was completely out of my hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Possible Financial 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:
Ive previously disputed this account information on my credit report to have Possible Finance send a validation of the debt of which they show is owed is theyve failed to send. All they sent was a letter of alleged charges of which they stated was owed which is not proper documentation of debt validation. Attached to this complaint will be the validation letter of which I send and am asking for documentation which will show theyve failed to send. Theyre also reporting XXXX different account numbers to all 3 credit bureaus which is a violation for which the account numbers has to be the same across the board for the credit bureaus as well as reporting different addresses for the account making it seem as if its 3 different accounts. Documentation will be attached as well. To add theyre reporting different payment history on all XXXX which is unprofessional and inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX, services were rendered to me for preventive care and screenings. During that time I had healthcare coverage through XXXX XXXX and the visit was free because they were covered under the Affordable Care Act. I do not recall receiving a bill from XXXX XXXX. In XXXX of 2021, I saw a negative report on my credit from a company called Radius Global Solutions in regards to a collections account in the amount of {$630.00}. I disputed it because I thought it was a result of identity theft, because I was unaware I owed any medical debts. They reported back to the credit bureaus that the debt was accurate. I disputed the report two more times after that and they continued to report the debt was accurate. After the 3rd dispute, Radius Global Solutions mailed me a letter on XXXX XXXX from the original company ( XXXX XXXX ) stating it was the final notice and the amount owed was {$630.00}. I found paperwork from my insurance company stating that the claim for those services were paid and that I did not owe anything to XXXX XXXX. On XXXX XXXX I replied by mailing them a letter stating that the debt they were reporting was false information and asked them discontinue reporting the false information to the credit bureaus. I also included proof of my insurance stating they already paid for the services due to it being free because of the Affordable Care Act. As of today XX/XX/2021, I received a notification from XXXX  stating that Radius Global Solutions has once again reported the debt as valid and has decided not to remove the collections account from my credit report despite the evidence that was provided that the debt was not owed.

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 2018-03-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
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: Other problem getting your report or credit score

Complaint:
Citizens bank has said TWICE now they have " run my credit '' for a credit card application. I have verified via my report they have not pulled my actual information. They have returned twice now I am not found, no credit history. Etc. They did not even respond to my first CFPB complaint and just found out yesterday they " closed my case '' without speaking to me. They clearly are performing serious fraudulent activities and will not even speak with me about what has happened. I was attacked on the phone and screamed at by a " XXXX '' whose only point was to tell me we had never spoken before. We didn't speak any further occasions either. Nor did any other members of this so called bank follow up. They just closed the issue with zero resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: MS
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
On XX/XX/2016 a Bank of America account was opened without my consent. This account is currently reporting on a consumer report with no outstanding balance. This account also has a phone number and address I am not associated to. The account number is 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 2020-03-06
Company: TRANSWORLD SYSTEMS INC
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received private loan in XXXX. Graduated XXXX. Paid payments on loan and was in good standing. Filed bankruptcy XX/XX/XXXX. Last payment made was XX/XX/XXXX. Bankruptcy ended XX/XX/XXXX. When buying my home default loan showed on my credit report. Contacted agency who stated I had not made my payments and was unwilling to negotiate for reasonable settlement. Explained that I had filed bankruptcy and during that time I am not required to pay on student loans. Still unwilling to remove from default. Agency filed suit XX/XX/XXXX. Summons was sent to old address even though I had notified them of my new address when I contacted them earlier in the year. Finally received a summons that I did respond to timely stating that statute of limitations had expired of 6 years and asked case be dismissed due to this. Agency responded that my last payment was made in XX/XX/XXXX which you can clear see is untrue in their " exhibits '' and that it was XX/XX/XXXX. They filed suit XX/XX/XXXX which exceeds the limit. All further documentation from related to the case was again sent to my old address to include the order to garnish my wages even though my correct address was on all legal documents filed. I was not aware of garnishment or order to appear until today when my check was significantly lower. When reviewing documents on IN court filings I found all the documentation regarding this information. I was not given a chance to appear nor was I properly notified of garnishment and this case should have never been filed due to IN statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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:
I did consent to authorize nor benefit from these account ( s ). Block and Remove

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 2020-03-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1500.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$950.00} Closed XXXX XXXX XXXX   Reported : XX/XX/XXXX {$55.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$1800.00} In good standing XXXX XXXX XXXX XXXX XXXX  Reported :XX/XX/XXXX {$1600.00} Closed XXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX{$0.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$1500.00} Closed XXXX  XXXX, XXXX. 
Reported : XX/XX/XXXX {$950.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$0.00} XXXX XXXX Reported : XX/XX/XXXX {$1500.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1600.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX   Reported : XX/XX/XXXX {$0.00} Closed XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$1500.00} Closed XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX {$1600.00} Closed XXXX XXXX XXXX XXXX Reported :XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX   Reported :XX/XX/XXXX {$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 explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act, 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 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: EQUIFAX, INC.
State: WA
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:
On  XXXX   XXXX ,    2017, I c hecked my cyber identity monitoring services, a service provide by  the US Office of Personnel for leaking my data.      Apparently, on  XXXX   XXXX ,    2017, I h ave a new account added to my credit report. I 've reached out to Equifax, but their website is confusing, and their phone tree and automation gotten me no where useful or easy to use. The Equifax website required a record number, which I do n't have and was n't provided to me. Their process appear to seem like they are required a credit inquiry, pulling my credit, which I declined.     I would like to file my complaint for lack of notice on both  XXXX   XXXX   XXXX   XXXX  and Equifax.     I do n't know who  XXXX   XXXX   XXXX   XXXX  is and why there is a new account of {$170.00},  XXXX . My current mortgage is at fixed rate with a local community bank called  XXXX   XXXX   XXXX   XXXX  (  XXXX  ). I make my payment through my bank direct withdrawal. I have n't receive any notice that the loan has been sold. I 've requested my bank (  XXXX  ) to provide all notice in writing to avoid identity theft and scammers these days. I have not been notified by the  XXXX . I believe this is a scam and a violation of my rights to notice and lack of consent to do business.     I would like it to be removed from my credit report, and I need the  XXXX  bank to face consequences of a formal investigation by the CFBP. I also would like them to provide proof that exactly stated that I authorized them to post this on my credit report.     Thank-you,  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: Paypal Holdings, Inc
State: AZ
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I recently discovered an unauthorized hard inquiry on my credit report from XXXX ( XXXX XXXX ) which upon further review the entity for PayPal. Upon calling customer service I was told that " when setting up my account I must have selected that I wanted PayPal credit which automatically sent an application for the line of credit ''. I never once intentionally opted to apply for this line of credit and it is obvious that it was done in a deceptive manner when making purchases. I have been using PayPal for approximately ten years and never set up my account to use PayPal credit. Consequently my credit score has dropped nearly XXXX points from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Client Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt validation notice dated  XXXX    XXXX ,2017  from  XXXX   XXXX   XXXX  stating that an account (   XXXX    XXXX   XXXX   XXXX .  ) h as been placed with their organization for collections with a balance of {$3100.00}. On  XXXX   XXXX ,  2017  I sent  Client Services Inc  a letter that they received on  XXXX   XXXX ,  2017  to provide me with proof that this debt belongs to me. As of  XXXX   XXXX ,    2017  I still have not received a response from  Client Services Inc. Therefore, the collection agency failed to validate this debt  I the required time frame. I have attached a copy of both their letter and mine along with proof of them receiving my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Identity has been stolen. By whom I do not know. I signed up for credit monitoring that was offered because of the breaches. When reviewing my credit reports there were credit cards listed for Bank of America on my credit report. I called Bank of America on multiple occasions requesting information pertaining to the accounts on my credit reports. In return Bank of America send correspondence that the accounts can not be verified then resends correspondence when requested again with different account numbers. I made a police report, added a fraud alert on my credit reports. I sent Bank of America bank via certified mail which has been received and the signature card returned to me that validates that it has been received although they have done nothing to resolve this issue. Instead, I received correspondence with different account numbers. I requested the original credit applications which can not be produced. I received an email from Bank of America to call a Fraud resolution agent. I called he did not return my call, I sent an email I did not receive a response. I called today the fraud resolution at the number provided in the original letter and the call does not allow me to enter the extension to speak to the agent. I called the XXXX number for Bank of America because I do not have the full account number for the credit cards opened using my name I am unable to speak to someone. The automated recording hangs up. I am attaching documents to validate I am a victim of Identity theft, Bank of America has done nothing to assist me in resolving this issue except change account numbers and report information that is not mine, inaccurate to all three credit reporting agencies. This is identity theft that is a serious matter and Bank of America continues to ignore the issue. I am a victim of identity theft. Bank of America continues to ignore this serious situation, has not provided the credit applications for ALL the numbers pertaining to the correspondence I have received. Instead, the numbers are consistently changed and reported to the credit reporting agency that is inaccurate. Bank of America has tarnished not only my credit and now is affecting my health. Bank of America is trying to cover this up and is reporting false information. 

ON XX/XX/2022 I received correspondence from Bank of America Resolution support team. The number to reach the resolution team is not an active number although a number for promotions. See Attached ENOUGH IS ENOUGH WITH THE HARASSMENT AND GAMES- THE CORRESPONDENCE RECEIVED NO ONE CAN BE REACHED AND THIS IS AN ONGOING ISSUE AND HAS BEEN FOR OVER A YEAR.

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 2022-07-11
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXXXXXX XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation