BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
**** Human manual review only, No automated system please. Be compassionate **** Please see the issue where you all reporting that the details of the XXXX XXXX XXXX XXXX show that there is no first date of delinquency or late payment however when I click on payment history you all are reporting la late payment. XXXX has it as 60 days on XX/XX/2022 and both XXXX and Experian has it as 30 days in XX/XX/2022. Please see the attachments. This is an error. If there is no date of first delinquency because I have never been late. The manager at XXXX XXXX has some personal issue against me and keeps violating FDCPA laws to keep false reporting back to you all confusing details of a late payment that never happened. I have called paid off the balance on this account and they are just being petty and stubborn. This is against FCRA. There system is clearly wrong since it cant even report a delinquency date and cant even report the same to all credit reporting companies. There should be no red for any month indicating any late payments! There should only be green check marks to show that there were no missed payments. You all keep making inaccuracies on it. I would rather you all delete the account now. Though it will hurt my average account age. Its better that, than you all keep inaccurately reporting late payments on an account that was never late and has been paid off. I don't ever want to do business with them because of how they took advantage of customers during COVID. They are not supposed even report any late payments to to federal laws that were passed for that time. Credit reporting companies are required to comply with the law, by deleting these late payments or removing the accounts if the creditor keeps ignoring the law and fail to comply with reporting restriction. Asking them to keep this verify and automatic reporting look going is just wrong and illegal. I am suffering because your personnel or the systems you use are constantly presenting false and inconsistent information to the public. You all will be held accountable for violating my rights!

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 2023-08-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
COMPANY XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : XXXX XXXX OF XXXX GUARANTEES PROTECTION OF MY PERSONAL INFORMATION -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER XXXX SUBCHAPTER C PART XXXX XXXX ME THE RIGHT TO OPT OUT. 
-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF 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 2023-08-28
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-06-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
was scammed by a breeder who asked me to pay by XXXX and did a bait and switch with her contract I never signed. My attorney wrote a demand letter and Ive submitted two claims to Wells Fargo their executive team has declined. Ive asked in both instances for Wells Fargo to allow me to submit documentation and they failed to do so siding with the breeder. Im holding Wells Fargo complicit to the breeders crimes and filing a complaint. I want my money back as I dont want to have to escalate this to an attorney! 

I do not accept Wells Fargos response and will file complaints against them with ic3.gov among other federal agencies if my money is not returned. They have failed to read my attorneys letter and act proactively and will now be seeking legal counsel if my money is not returned.

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 2022-09-27
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: CL Holdings LLC
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
Complaints were filed on XX/XX/2023 and all i got was feedback provided and company responded i tried to apply for loans but were denied do to negatives on my credit report which is a violation of 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$410.00} ; XXXX SELF-REPORTED XXXX Balance Owed : {$61.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} ; XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7800.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
My credit report is still showing late payments on XXXX XXXX and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a customer service 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 2023-03-23
Company: CITIBANK, N.A.
State: CO
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:
Dear Consumer Financial Protection Bureau, Citicard failed to recognize dozens of obviously fraudulent charges on my account during a period in which I was traveling or preparing to travel abroad. These charges were from XXXX XXXX XXXX , California . I have never heard of this company, have never used this company, and did not live in or travel to California during this period. When I returned from my trip, the week of XX/XX/XXXX I checked my credit card statement and noticed dozens of identical fraudulent charges from XXXX XXXX XXXX , California . I called Citicard 's fraud department immediately and alerted them to the many fraudulent charges and Citicard said they would file a dispute claim and look into it immediately. They also said they would cancel the card and issue me a new one. When the new one arrived, the same fraud continued. Citicard actually caught it this time and called to alert me. When I spoke to their fraud department, I confirmed that the charges from XXXX XXXX XXXX were entirely fraudulent. Citicard confirmed they would file a dispute claim and look into it. I inquired about the status of refunding the money from the fraud on my original Citicard and they said they were looking into it. 
The total amount of fraudulent XXXX XXXX XXXX XXXX at this point totaled : {$8700.00} ( see attached itemized accounting ). 

In early XXXX, I received a letter in the mail from Citicard saying they had resolved the dispute and would not be refunding me anything. I immediately called their fraud department to complain, and they asked me not to worry, they would take care of the fraudulent charges and reopen my case to do so. 

On XX/XX/XXXX, I received an online message from Citicard that my dispute had been resolved ... and they were issuing me a refund of {$7.00} for a XX/XX/XXXX XXXX  XXXX XXXX transaction ( see attached letter ). On XX/XX/XXXX, I received a second online message from Citicard that my dispute have been resolved ... and they were issuing me a refund for {$7.00} for a XX/XX/XXXX XXXX XXXXXXXX XXXX transaction ( see attached letter ). 

As you can see from the itemized fraud tracking below, this refund of {$14.00} represents .017 % of the {$8700.00} I was frauded by XXXX XXXX XXXX . This is beyond unacceptable -. Their fraud department belatedly recognized this fraud and is now refusing to refund my money. Citicard needs to refund the entire {$8700.00} immediately and should be sanctioned for such poor behavior. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The account is reporting negative information on my credit report. The account is reporting voluntary surrender which is incorrect information. Nobody at XXXX XXXX can seem to help or get back in touch with me to correct this issue.. This is the worst financial lender I ever dealt with.

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-09-05
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In Wells Fargo case number : XXXX I was asked to provide more information about the dispute with evidence. The new filing would include all the evidence, IP address investigations, and police reports. Please reach out to me if you need more information for the investigation.

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 2023-09-05
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account had been charged off for almost 3 years. Countless time had disputed this debt and I will continue disputing until XXXX  when it'll finally drop off my account, this given the fact the status of limitation had passed they won't be able to collect anymore on these alleged debt. 

As I previously mention before, this debt is the result of identity theft and a customer representative actually validated this info, there were calls made where the mention of identity theft happened back in XXXX   on one of the calls I made.

I had asked them for original credit agreement bearing my signature, all statements from beginning to end of the account right before they charged it off, and all payment methods along with payments history for account. Was never received by me. 

Also, they reporting a balance when the account is charged off. It is illegal to report a balance when the account is charged off ( aka written off ) they already received a credit for this debt by reporting it in their Financial Statements as loss. For which I'm asking for a 1099C.

Attached my Original Police and FTC reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-10-19
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been working with Wells Fargo Estate Care Services to close the accounts of my deceased sister. I have spent multiple hours on multiple phone calls with multiple representatives, as well as spent hours in a Wells Fargo branch working with a banker.

There has been repeated changes in the requirements that Wells Fargo has for successful closure of the account. Each time that I have satisfied one request, Wells Fargo has changed their requirements, or told me that the previous representative did not accurately describe the requirements.

As directed by Wells Fargo, an affidavit of small estate transfer ( for Arizona ) was signed and notarized. An additional document called an Account Close or Partial Withdrawal Request - Deceased Customer was filled out with the successor identified. The successor is a Wells Fargo account holder. Section 8 of that document ( provided by Wells Fargo and which was created by Wells Fargo in XXXX ) says " Notary Certification ( Must be completed if Successor is a non-Wells Fargo customer or if Successor is returning the form via mail ). '' Since the Successor is a Wells Fargo account holder and provided the account number to transfer funds into, the document was not notarized ( per Wells Fargo instructions ). However, Wells Fargo rejected the document and now requires it to be notarized, which could have been done weeks ago and requires more time, expense, and effort.

Furthermore, one of the accounts is a business account for a business that was administratively dissolved by the State of Arizona in XXXX. In a XXXX minute conversation with the XXXX XXXX representative who deals with business accounts, I was told exactly what to write to provide the branch XXXX with a record that would allow the account to be closed. I did so. The next XXXX XXXX representative then rejected this document and requested evidence from the XXXX of Arizona about the administrative dissolution. That evidence ( which is publicly accessible from the official XXXX  XXXX XXXX website was provided ). However, the Estate Services representative again rejected the request to close the account and asked for additional documentation in the form of current minutes for the corporation, which hasn't existed since XXXX. 

The constant changes in requirements, the repeated requests for additional and conflicting information, the excess amount of time spent, and refusing to abide by the terms of their own document instructions leads me to feel that Wells Fargo is acting in bad faith.

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 2023-10-19
Company: DISCOVER BANK
State: WA
Product: Credit 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 ordered a service from XXXX XXXX on XX/XX/. The price that it showed was XXXX XXXX, which is approximately XXXX USD. However, they actually billed me XXXX USD, which is way much higher then. Therefore, I would like to dispute the difference because of exchange rate error, which is XXXX USD. 

I managed to contact the merchant, however they refused to admit they have a pricing error or currency error, and they insist that I used USD as currency of purchase, which is not the case. From the screenshot that I attached, I clearly used ARS as currency of purchase. Therefore, I would like to make that dispute.

I also managed to dispute with the credit card company, Discover Bank. I submitted a dispute on XX/XX/XXXX XXXX They rejected my dispute on XX/XX/, and mentioned they will send the information given by the merchant to me. However, they never send that information to me. Therefore, I would like to continue to dispute the difference because of exchange rate error, which is XXXX USD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: Brown and Joseph, Ltd
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My brother got into an accident in my car, I thought I had forced insurance through my auto loan place and I was wrong. So I'm bring sued for {$4000.00}. I was never notified. It was sent to collections with Brown & Joseph LLC XXXX XXXX XXXX. They sent me a letter telling they were going to suspend my driver 's license if it wasnt paid. I was upset with my brother so I sent him a picture of it, yelling at him for me having to pay this amount of money. He took it apone himself to call them. They allowed him to set up a payment plan under MY NAME without me being the one to call them. I called to argue this with them and they said we'll he had all the information so that's why we let him. I told them that it shouldn't matter because I was not the one to call them. They said it's fine because he put his own card on file. I don't feel they should have even Acknowledged to anyone that I even had an account there with a balance if it was not me. not to mention. I don't think they can suspend my license for something like this. I didn't even do anything. I'm only being held Responsible because the car was in my name that was it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a collection on my Experian account and it is XXXX XXXX XXXX that was identity theft and want this disputed of my account I want this to be a paid charge off

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