BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have a prepaid rewards card where the funds don't expire where I am trying to figure out the balance. I've contacted the company multiple times about this and requested a response in writing. No of the information has been helpful. The company claims they can not find information regarding the card. Photos of the card are attached. 
Additionally, the company claims they have confirmed the with their customer service team and I may visit their website, myprepaidsolution.com, to register the card. Once registered, I will be able to review any remaining account balances, as the verified funds no not expire. Any remaining balances can be arranged to be issued to me in the form of a cashier 's check sent to my mailing address. 
This is an issue with this claim. This card has been registered for months on the website given. If the website would give the balance there wouldn't be a need for me to contact the company. So the statement that they will see the balance there when it is register is simply incorrect and a blatant lie. I've attached a screenshot from my account at that website to show where it will not show any balance. 
I simply want the money from my card where the funds DO NOT EXPIRE and this company will not grant these to me. This company is stealing money from me. How many other customers is this company taking advantage of and stealing from by not telling them their balances and giving them their money? 
The company claims they have exhausted all options to resolve this issue. Pretty convenient for them to exhaust all options when they can just steal the money. I've provided all the information for this issue to be resolved by the company. The company is just not doing anything to resolve the issue and claiming they have done everything. Maybe, just maybe, they don't want to do anything because they can just keep this money from customers if they claim they have done all they can.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have noticed that my bank deletes transactions to make it appear that I have more money to spend than I actually do. I have caught this on numerous occasions and would like to know why it is you guys do this??? If I wasnt constantly checking my account I would probably think I have extra money and spend it, which could possibly send me into the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX : I wrote a letter requesting validation for the debt in the amount of {$3900.00} Midland Credit Management claims I owe them along with the contract bearing my signature showing that I had ( or ever have had ) a contractual agreement to pay them. I, also, informed them that if they were unable to provide validation, they were in violation of FCRA & FDCPA and therefore must request all credit reporting agencies delete their entry from my credit report. I informed them that failure to respond in 30 days of receipt of this letter could result in small claims legal action at my local venue. 

Midland Credit Management did not respond to this letter. Instead, they sent another bill attempting to collect the debt from me the following month. 

XX/XX/XXXX : As a courtesy, I sent a follow up letter reminding them that by not responding in a timely manner, they had violated federal law and failed to provide any viable evidence bearing my signature to show the debt was reporting accurately. I informed them that since they had violated federal law by not properly investigating in a timely manner, they must now remove the debt from my credit report. 

XXXX XXXX : I received a response from Midland Credit Management stating that they had conducted an investigation and their records were accurate, but they didn't provide any documentation that proves they did a complete investigation or contracts with my signature that proves I owe them. 

Furthermore, Midland Credit Management is reporting the open date as XX/XX/XXXX but they didn't show up on my credit report until months later so they are indeed reporting inaccurate information along with being unable to provide contracts between them and me with my signature. 

I have asked Midland Credit Management twice to remove the debt from my credit report if they are unable to validate the debt or are reporting inaccurately and they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2021-10-05
Company: USCB, 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:
I see in this account that this report lacks information. How did you prove that this account belongs to me if the information you provided is not complete?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: OK
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:
I refinanced my vehicle from XXXX XXXX to XXXX, I disputed the accounts on all 3 bureaus- the only one I have a problem with is Experian. XXXX and XXXX took the old account off my account, how ever, Experian will not and said that they had correct information in their dispute response they sent me back XX/XX/2023 But they also have the XXXX account reporting on the experian report also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian, one of the major credit reporting agencies, for failure to correct inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

I have been disputing the following accounts with Experian for some time, but they have yet to be removed from my credit report, causing significant harm to my credit score and overall financial wellbeing : Collection account XXXX XXXX XXXX. Account number XXXX XXXX XXXX XXXX XXXX. Account number XXXX XXXX XXXX  XXXX XXXX. Account number XXXX XXXX. Account Number XXXX AXXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX. Account Number XXXX XXXX XXXX. Account Number XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX I am in the process of trying to purchase a home, and these inaccurate accounts are negatively affecting my creditworthiness, making it difficult for me to obtain financing for my home purchase. Despite providing documentation to support my dispute, Experian has failed to take the appropriate steps to correct my credit report as required under the FCRA. 

I request that you investigate this matter and take the necessary steps to ensure that Experian complies with the FCRA and removes these inaccurate accounts from my credit report. Additionally, I request that you prioritize this investigation, as the inaccurate information is impacting my ability to purchase a home. 

Thank you for your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Incomm Holdings Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2022 I purchase a XXXX XXXXXXXX XXXX  from XXXX. When I tried calling XXXX to dispute the charges. XXXX stated they couldn't verify the charges. I called Vanilla at XXXX and spoke to XXXX XXXX he stated that it would take 45 days for them to investigate the dispute. Vanillagift.com stole my {$100.00} and refused to give it to me. I filed a dispute with them case number # XXXX. They are selling used gift cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: MD
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Date - XX/XX/2023 Amount - XXXX USD Wired to XXXX bank recipient XXXX XXXX  ( XXXX ) From : Chase Bank Action - Recalled wire but no action taken by the bank despite informing this is a fraud company Date : XX/XX/2023 Amount : XXXX Wired to Chase recipient XXXX XXXX XXXX Account : XXXX From : Chase Bank Action : Recalled wire but no action taken by the bank despite informing this is a fraud company Date : XX/XX/2023 Amount : XXXX Wired to Chase recipient - XXXX XXXX Account : XXXX From : Chase Bank Action : Recalled wire but no action taken by the bank despite informing this is a fraud company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: DISCOVER BANK
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
this is the XX/XX/XXXX or so complaint here nothing s resolved. herein i request the following an arbitration or i will be filing a lawsuit once counsel is retained for damages to my credit potentially as i have stopped and refuse to pay on a specific account for many unresolved disputes not dissatisfactions as been mischaracterized by XXXX who contines to answer the complaints we spend time to file despite requests to CEO ignored to funnel somwhere else. to someone who will handle. I need all complaints to this office UNRESOLVED still forwarded to me so judge will see the remarkable effort i made to resolve.With a perfect record here before i was treated in a discriminatory manner which appears to be against the law, in the summer having my calls funneled to a " special team '' i have stopped calling, stopped monitoring my accounts and in the case of XXXX have stopped paying as all requests for help are scripted or ignored or stonewalled. This is clearly a case where i potentially can suffer damages for not paying and i am not paying despite my almost 30 year history due to what is clearly discriminatory BAD treatmenat i have never experienced before. As such i want this and all previous complaints referred to legal department. I am away now getting medical treatment. POA has been sent to Discover. I want this to go to legal dept. I have had it with writing and getting a SCRIPT from XXXX who while he leaves out his name in the signature we know its him same script stonewall. There are DISPUTED charges for example i am told no balance where interest is affixed or prone and then it gets charged. I am being charged late fees on accounts when i am one day late or not at all and when my history of 20 plus years reflects no lates. And again this is due to not calling in due to the DISCRIMINATORY way i strted to be treated in the summer time having my calls fielded to a SPECIAL team. who would just stonewall. I have NEVER EVER been treated like this or have to go to these extremes to get help. I request an arbitrator at this time from discover or i file a lawsuit period. there has been and will be no use of my cards by me again. They seem to have the money to pay stonewallers for well over a year to send the same answer that not only does not address the heart of the issues but is anti customer and resolution. discriminatory is when a bank puts notes on accounts so as to prevent people from helping you. now if i get an answer from XXXX even though he leaves out his name in the signature i go to court. REFER TO LEGAL i want arbitration as nothing absolutely nothing has been resolved as of this date NOTHING. despite all attempts and usage of my time which i will not continue to do. without resolution. recognize i now have fees on my accounts becuase i refuse to pay in order to GET PROPER attention and i will NOT suffer those damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: BARCLAYS BANK DELAWARE
State: PA
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:
On XX/XX/XXXX my XXXX XXXX issued by Barclays Bank account ending in XXXX ( I dont know what the full number was ) was stolen. I reported the card stolen the same day XXXX XXXX the representative for Barclays said they would issue me a new card. At this time the representative never asked if I was aware of any purchases that might be suspicious and I was unaware as all banking is done on line. I made a police report to the local police in XXXX XXXX Pa where the thief occurred. Not long after I received my online statement from Barclays Bank showing a charge of {$850.00} made at a XXXX in XXXX Pa and a charge of {$500.00} at a XXXX XXXX XXXX on XX/XX/XXXX the day of the theft. I called Barclays and was told by the representative that I didnt report the charges as fraud in a timely matter and they would have to investigate she also stated that I would receive a letter from Barclays regarding the investigation. I just received a letter from them XXXX XXXX and this was a pending investigation that had to go through two complete billing cycles from the date of suspicious activity was reported. In a prior phone call the representative suggested faxing the police report to their headquarters in XXXX Delaware however their numbers for Delaware route you to their overseas ( somewhere ) representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't know who this company is and they are reporting on me. I did not give them information or legal consent to report on me I asked them to provide the legal information and they have failed to do so within the 30 days matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: CL Holdings LLC
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/20XXXX XXXX XXXXXXXX Account XXXX - Certified letter request was sent to remove all late payments, no response was made back in over XXXX JEFFERSON CAPITAL SYSTEMS Account number XXXX - requested removal of this account as I have no knowledge of it, and I didn't sign an agreement with this debt collector XXXX XXXX XXXX Account number XXXX Account XXXX its reporting inaccurately to the credit bureaus, one is showing paid in a settlement and the other is showing transferred and closed, this account should remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation