BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Extra : 10351, XXXX XXXX XXXX :10351 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-16
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
XX/XX/XXXX - I begin XXXX transfers ( {$100.00} & {$2500.00} ) from my Wells Fargo savings account to my new XXXX XXXX savings account. 
XX/XX/XXXX - I close all Wells Fargo accounts. 
XX/XX/XXXX - XXXX XXXX reverses the funds because they can not accept the transfers from a closed account. 

I can still see transaction history in my Wells Fargo savings account because it is within XXXX of account closure. The history of the transaction was present at one point but it is no longer there, a representative on the phone stated, " the transaction could have fell off because it wasn't completed ''. Wells Fargo states they can not issue a refund/cashier 's check because they can't see the money. This is also why they can't find an ACH/trace ID number. 

On XXXX XXXX 's transaction history it shows my account receiving the transfer from said Wells Fargo account and reversing it as well.

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 2023-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within XXXX days of receipt of this certified letter will result in a small claims action against your company. I will be seeking XXXX} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 



P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 


Thank you for your time and help 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 non-monetary relief
Consumer complaint received 2023-03-13
Company: REGIONS FINANCIAL CORPORATION
State: MS
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:
XXXX XXXX XXXX took over $ XXXX from our checking account unauthorized. We went to bank with all requested documentation and they refuse to refund our stolen money. We paid for 36 months of warranty a year ago never authorized any other charges.

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 2023-07-23
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the Information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I signed up for a credit card with XXXX XXXX and they had an offer with capital one which stated i would get the following incentives : - 0 % APR intro for 15 months - {$200.00} cash bonus once i spend {$500.00} on purchases within 3 months from acct opening - 1.5 % cash back on every purchase / every day ***** transfer info : 0 % intro APR for 15 months, 19.24 % - 29.24 % variable APR after that. 3 % fee on the amounts transferred within the first 15 months. 

*** when i called into their customer service line, wanting to transfer my other credit card balances and do a transfer balance, the customer service supervisor at : XXXX stated this is not possible on the card as they were not offering this incentive for my card, although this was not stated anywhere once i was approved for the $ XXXX limit on the card. ****

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been with Wells Fargo for over 20 years. Although I have all procedures in place to Not have any free deducted they are still being deducted every month and or billed to me. 

I have 5 different account all which have in place not to get charged fees when in fact they do.

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 2023-03-09
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ) which involved me making deposits for a total amount of XXXX USD from my XXXX XXXXXXXX account to Wells Fargo at the instructions of the scammers.

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Acct Name : XXXX XXXXXXXX XXXX XXXXXXXX. 
Acct Name : XXXX XXXX XXXX Acct Name : 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 cannont furnish a account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of informaoin, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any informatoin relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: FL
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 Acct Name : XXXX XXXX XXXX XXXXXXXX. 
Acct Name : XXXX XXXX XXXX Acct Name : 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 cannont furnish a account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of informaoin, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any informatoin relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently legally settled my debt with XXXXXXXX XXXX XXXX and started making payments per our agreement- they sold this debt to Portfolio Recovery Associates of XXXXXXXX XXXX. They immediately showed this as due in full without any mention of my settlement. My sister who is a co-applicant has been diagnosed with XXXXXXXX XXXX XXXX XXXX XXXXXXXX. This has ruined our credit and we cant pay for her treatments. XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On or around XX/XX/2023 I applied for a XXXX XXXX XXXX XXXX XXXX XXXX Credit card issued by COMENITY BANK. I had credit freezes in place at all 3 credit bureaus at the time I submitted my online application ( https : //d.comenity.netXXXX ) which resulted in my application not being automatically approved. 

COMENITY BANK makes it impossible to speak to a human to discuss your application status. All of the customer service representatives do is send you to a pre-recording telling you they won't provide you any help about your application and to refer to your letter. 

The problem is that USPS mailman lost my letter and NEVER WAS DELIVERED ; although I have attached evidence from USPS informed delivery that it was meant to have been delivered... so I know they sent me a letter but I find it extremely ridiculous that nobody will speak to me or even give me the option to request a copy of the letter that was mailed to me with some decision information.

As it stands ; USPS has lost my letter. I do not know if XXXX XXXX  intends to approve my account but it is waiting on some identity documents in order to approve my application ( my credit score is XXXX ). I have the right to receive a copy of any letter regarding my application and this company/bank makes it impossible to discuss with a human the problem that you may have and they send you back to the XXXX before the age of the internet by not providing information electronically as any other bank. 

These do not feel like appropriate business practices and I seek the assistance from the CFPB at resolving this matter. The bank should not be withholding information about my application in unreasonable ways such as their current practices. My excellent credit shouldn't result in a denial either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: REGIONS FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX, XXXX contacted Superfleet /Fleetcor/Comdata about not receiving an invoice Was told by representative there was a " GLITCH in our system '' Showed XXXX balance but paid {$750.00} anyway first week of XXXX. 
Paid monthly payment due until XXXX showed extreme Amounts due XXXX XXXX Contacted Company to request credit back for " high risk '' fees Each time I get a voice-mail. Nothings getting done. Finally emails were returned and someone tried to help but still not getting anywhere. Have all emails. 
Still made monthly payments minus these excessive fees ranging XXXXXXXX XXXX Over what we are use to paying for fuel costs. Was told XX/XX/2023 we would receive credits for over XXXXXXXX XXXX  Never received credits. Now XXXX is sending our account to XXXXXXXX XXXX to collect. We have XXXX credit. Never late on anything but when this company asked me to pay the balance of XXXX and then they would credit the fees after full payment is made, it made us very weery of who they are. We have heard about this happening to fellow businesses we know but never to us. We are at risk of our credit being varnished. And that is all we have as a small business. We have tried several times to resolve and nobody ever returns calls. We have made all attempts to fix this. Was on the phone all day with them being told different things by different reps. 
Please note, we have paid all monthly invoices on time each month minus the excessive fees they were charging.

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 2023-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are several accounts on my TransUnion credit report that are showing as currently delinquent when they are not. All accounts have a {$0.00} balance. 

I recently applied for an XXXX loan, and they provided me with a file that included all the accounts that were currently showing as delinquent on my credit report. I included the screenshot as a attachment. There were several items showing currently past due. 

These " delinquent '' accounts contributed to me being denied the loan. Also, my TransUnion credit score is approximately XXXX points lower than XXXX and XXXX. I believe this is because of how these accounts are showing as currently delinquent. All these accounts were either paid in full or paid through a settlement with the debtor. The accounts are all listed in the " Accounts with a Negative Pay Status '' section and are as follows : XXXX XXXXXXXX XXXX ( x XXXX ), XXXX XXXX, XXXXXXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX. 

I worked with a lawyer to pay negotiate the pay offs for these accounts after being tricked by a consumer debt relief program into thinking that they would help me with a solid plan to pay off my debt. After I determined that was a failure, I engaged with the lawyer and paid off every account that was delinquent. I've done all I can to repair my credit and have currently no delinquent or outstanding accounts and would like my credit score to reflect this.

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 2023-06-08
Company: Strategic Alliances, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter yesterday from XXXX XXXX XXXX XXXX XXXX that stated First Portfolio Ventures I, LLC account number XXXX on XXXX the debt was owed to XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX {$10000.00} and I don't owe First Portfolio Ventures I, LLC either. This account doesn't belong to me this is a business account for restaurant equipment and I never owned a restaurant either. I have asked XXXX XXXX XXXX on numerous occasions to send me the contract showing that I brought and owe this debt for restaurant equipment to no avail. I still haven't received proof of claim to this date. My name is a very common name and therefore I do not wish to be contacted any further about this debt until you have the proof of debt, like the contract, what was ordered, where was it delivered to, who signed for it and what business did it go to. For the record I have never received any written notice from First Portfolio Ventures I, XXXX therefore if they brought this account from XXXX XXXX XXXX I suggest you get a refund and stop selling this loan off to other credit collections agencies just because you've been had by XXXX XXXX XXXX thinking you could pay them pennies on the dollar and get $ XXXX out of me for a debt I don't owe!!!! Stop breaking the law!!!!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capio Partners # XXXX {$240.00}. 
These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach I would like for these items to be removed. No Actions was done because I didn't know how to locate these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I filled a dispute with Chime XXXX XXXXXXXX XXXX  ) against XXXX. It's been 4 days since I filed the dispute, and I still have not gotten an update. They claim they are still investigating but I actually found out that they never reached out to the merchant in the first place, prolonging the process. I can't get them to reach out to the merchant and I don't know why they refuse to do so. They should have contacted the merchant on the same day that I filed. The issue is urgent. I was scammed. I need my money back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: LA
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 submitted a letter to the 3 Credits BureausXXXX XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$270.00} XXXX  XXXX XXXX Balance Owed : {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: PA
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:
XX/XX/2021 an inquiry was placed on my credit. I did not authorize my credit to be used or ran.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the XXXX of XX/XX/2021 there was an unauthorized atm withdrawal for XXXX dollars on XXXX XXXX XXXX, I noticed it three days later and filed a dispute. On the XXXX of XX/XX/2021 Wells Fargo closed my claim without reaching out to me to ask me questions like they said they will.

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