BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$1000.00}

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 non-monetary relief
Consumer complaint received 2021-11-20
Company: Bread Financial Holdings, Inc.
State: AZ
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:
I never got an invoice last month from Comenity Bank Credit Card. I had no idea I had a balance ( {$75.00} ). Eventually, Comenity Bank texted me to tell me. I contacted them IMMEDIATELY and authorized them to take the money out of my bank account. Over a week later I was contacted by XXXX AGAIN to tell me they for some reason couldn't take the money out of my bank account, so I told them I would mail a check then. I immediately went into my checking account and the bill in full. Because I never received the bill, they even took off late fee and interest fee. I was also told that this would NOT be reported to XXXX, XXXX. When I saw the negative rating on my credit reports, I immediately called XXXX. They told me they could not do anything about it and that they NEVER told me it wouldn't affect my credit ( this is not true - they told me this )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I already reported to  Consumer Finance,  they respond in a huge double-talk, non-sense explanation which I do not accept.

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 2017-04-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Barclay closed my Barclay Arrival Plus credit card that I 've had for years without warning and gave me a vague reason " account usage history '' and  refuse to give me any specific details. I use the credit card for all my daily expenses and bills. The closure of the account caused issues with missed payments and inability to pay for something when I expected the credit card to work. I paid an annual fee of {$89.00} to use this credit card but they shut down my account and did not refund me the annual fee. In addition, I have about {$15.00} worth of travel credit I earned that I ca n't redeem anymore.

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 2017-04-25
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:
XXXX   XXXX   account does not belong to me it belongs to my ex husband

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 2021-11-20
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Advised this company in 2020 that I have no debt with them but they keep trying to get money from me & now wants to sue me in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
myEquifax. NUMEROUS online complaints in regards to this exact issue w/ myequifax online accounts. 
- Attempting to create and access 'myequifax' online account - ability to freeze and unfreeze credit report online. Unable to log in to myequifax account. Unable to reset password, etc.
XX/XX/19 - "Issue with account". Asked to fax copies of SS card and DL Completed.
XX/XX/19 - Called myequifax - was told that my info had been received, but that my account was never updated. Same date - via phone (XXXX) they updated e-mail address and asked me to try to reset my password again in 24 hours. They also "thawed" my report at my request. I requested a thaw through XX/XX/19. 
XX/XX/19 - myequifax told me that my account was never created and that myequifax is escalating to a supervisor. Wait 7 to 10 business days... (Although I was told previously that my account had been created). I was also told that my report had actually only been thawed for 24 hours - ending on XX/XX/19... Contrary to my request of XX/XX/19. 
XX/XX/19 - AGAIN myequifax via phone tells me that my online account is created. But that there is an "issue" with the account... "We are escalating to a supervisor". Wait 7 to 10 business days. 

XXXX (myequifax) seems to go to an overseas call center. VERY loud and VERY difficult to understand agents - talk very fast and difficult to understand them. Agents are using alias names. Seems that with such sensitive info that this is not a good process... 

No resolution to date. 

No issues with XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX    XXXX  account does not belong to me it belongs to my ex husband

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 2021-11-20
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:
My purse was stolen. I reported my card stolen and had my cards replaced. Someone went to a Wells Fargo branch and impersonated me with my stolen id and stolen card and was able to get temporary checks. They then wrote checks and when the checks bounced, Wells Fargo froze my account. I havent been able to access my money and they wont take the charges off or set it straight.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-20
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:
I live in XXXX Texas. On XX/XX/21, i traveled from XXXX Texas to XXXX Texas, On XX/XX/21. Still in XXXX Texas, i went to a XXXX XXXX store and bought item of {$36.00} and my card which i had with me declined. I came out from the store and logged into my account and noticed an unauthorized withdrawals, of {$1900.00} and i called the bank. The bank official told me to go the the local branch office to open another account, that they would start investigation. On XX/XX/21 i went to Wells Fargo branch at XXXX XXXX XXXX XXXX XXXX Texas, and i was attended by the banker named XXXX XXXX, who was in the process of opening an account for me noticed that a fake mailing address was attached to my account. This fake address was in XXXX. And she noted that a card was shipped to this fake address by the bank. She quickly called the fraud department and asked them about the address, and the card shipped. It was then the fraud dept stated that two cards were sent to XXXX and they were going to cancel them. Then i asked them to tell me how and when that address was attached, and the card numbers. The bank staff said i would be told after the investigation. Up till now, nobody has given me any information on that. The bank denied my claim stating that the card number which was used at ATM was my card. I have my card in XXXX Texas, how could someone withdraw money from ATM without a card?

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 2017-04-25
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have an IRA  Annuity  statement from   XXXX  , with Union Bank in  XXXX   XXXX  CA. The statement gives  Union  Bank Fe d Tax  ID #  XXXX . It is a  Fixed Rate IR A wit h Maturity Date   XXXX . Earliest distribution date without penalty is  XXXX . The required disbursement date is  XXXX .     The beginning balance from  XXXX  was {$2900.00}. The ending balance as of  XXXX  was {$2900.00}. No withholdings are showing.     Approxima tely two wee ks ago from today, around  XXXX , I called their customer service and spoke with the IRA department. They had no information and told me to call back to their  Investments Group  at #  XXXX . Th e Investments Group to ld me to back to the IRA department.     So I called back the IRA department at the same number ( different extension ), and they asked me to call FDIC at  XXXX . FDIC told me to call t he Office of the  Comptroller of the Currency at  XXXX .     Th e OCC the n told me to call you, CFPB, at  XXXX . This is why I am writing to you now.

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 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX an inquiry was done and I did not request an inquiry by said company. per the credit reporting agency I was told to contact the company which I did when I found inquiry was on my report. I faxed a letter to request deletion of inquiry which they responded with inquiry would be deleted by credit bureau. I then reached out to credit bureau and requested to have inquiry removed and offered to fax in and they told me there was no need to fax in document but it would be removed and inquiry is still showing on my report. I would like my report to be updated with removal. The inquiry is showing up on my XXXX report. I also contacted Transunion concerning a inquiry for XXXX XXXX that was not mine and requested to have removed due to its not mine and its about to fall off in XXXX, I contacted company as well which stated since I was not aware they could not give me a letter as the other creditor had. they told me to contact the credit agency. the XXXX XXXX inquiry is  due to fall off XXXX/XXXX/XXXX. alsXXXX XXXX XXXX is showing twice and should only be showing once. I requested for that to be corrected and was told that was not able to be corrected. I only applied for credit with company and the XXXX  inquiry is not correct

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 2017-04-12
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
suntrust charge me over {$200.00} way after the account should have been close and send it to collection. when the account was close the balance was {$200.00}. i told them to send me a bill to pay, they never did instead i received a collection letter.

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 2021-11-20
Company: Bread Financial Holdings, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX Decreased by {$13.00} This company keeps bringing my credit score lower and lower. I payed off my balance back in XXXX and closed my account with them. I DO NOT OWE THEM ANYTHING. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25
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:
Equifax did not investigate dispute properly, refused to provide information or delete the unknown medical accounts.

Actions taken:

2017- XXXX  Filed a dispute on unknown medical accounts to Equifax.

2017 XXXX  Found results on their site (never received results over snail mail), basically the results were "We verified that this item belongs to you. If you have additional questions about this item please contact ".

2017 XXXX  Contacted the reporting  with a dispute and request for validation on this unknown medical account as per instructions from Equifax.

Never got any response from the collection agency. I have a proof of delivery of my validation letter to the collection agency.

2017 XXXX  Re-disputed to Equifax with copy of the letter to the .

2017 XXXX  Received the same result from Equifax. Equifax did not investigate properly, did not provide requested information about unknown accounts nor deleted them, did not properly marked accounts as in dispute.

Please note that Equifax is the only credit reporting agency reporting these unknown medical accounts.   XXXX   never have them,  XXXX  deleted after dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This complaint is against Bank of America. My home is in  XXXX , FL. I opened both a checking and savings account with Bank of America in   XXXX  . A person from the Bank of America called me about 5 days from    XXXX   XXXX   info rming me that the bank was in the process of closing my account. I assumed that the account was being closed that day. I have no knowledge of what state the person was calling from. On   XXXX   XXXX   my federal income tax c heck ( {$4300.00} ) was  directly deposited into my checking account.   However, this is the problem. I have no idea what or how this happened, but my savings account got to be overdrawn by over  XXXX  dollars. This happened long before because Bank of America had been calling me about that overdraft. I told them before that I did not try and cash any checks totaling that amount of money. I just learned that it was  XXXX  checks cashed. Bank of America stated that they were investigating this, but they refuse to allow me to withdraw my tax refund. This compliant was set into motion before   XXXX   XXXX  . They ask that I give them 45 days to have this investigated. It has been over 45 days and now they are telling me that they need 60 days.   This is not fair nor is this right. I need my money and Bank of America has been hedging and hesitating.   Can this office do anything about this situation?

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 2022-08-04
Company: EQUIFAX, INC.
State: GA
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: Problem getting your free annual credit report

Complaint:
I, Consumer requested a free credit report, but was discriminated against. With no valid reason. As a result, I have not been able to pursue life, liberty, nor justice. I seek remedy, relief, and compensation that has held Me from being a Consumer. That violates all Federal Laws CFR. CFFB, U.S.C., T.I.L.A. Civil Rights, EEOC A..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
We were sending money through  Western Union and mixed up the maternal and paternal surname on the form fields. When our daughter tried to pick up the money, she was denied because the names were reverse. Fine. We contacted WU to h ave them change the names. They could not do that so we had to cancel the transaction. Then they would not cancel the transaction. We went online ( the same way we placed the order ). We were verified and the chat person said they wanted to call us on the phone. We have no reason to give them a phone number, and we were verified online. They refused to cancel the order. We had to call our credit card company and report fraud because of their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of Identity Theft and was reported back in  XXXX   XXXX  I have been in the  XXXX  since for the past 2 years and the IRS got a hold of me and told me I have been a victim of Identity theft,  they were the one that caught it. I have reported this to IRS, Social Security, Identytheft.gov . FTC,  XXXX  Credit Bureaus, the local sheriff department, and much more. It has been an ongoing thing ever since and evidently it has also screwed up not just my credit report but also my background. Now I have been trying to fix as much as I could on my Identit y, and one was with my credit. There is one company that has put me on collections and put me on derogatory mark on there. I have reached out to them several times trying to let them my situations. Th e company is called ABILITY RECOVERY SERVICE   XXXX   XXXX    XXXX   XXXX , PA  XXXX  Phone number : (  XXXX  )  XXXX , thats the collections agency and the original debt was towards a college, called  XXXX   XXXX . They said that the account was opened on  XXXX   XXXX ,  XXXX . They did not provide any account number or anything.I have spoken to them numerous times I have explained my situation and all they have said was they can not remove my account out of the credit report and forcing me that this is my account. They told me to get a police report I hav e a sheriff department to make my report because in my area that is the jurisdiction on where I live and not police I did go to the police department and they told me to go to the sheriff office. Again they did n't tell where to submit my documents and also they have been so ride and make degrading remarks. They finally got fed up listening to me and they got mad they said I was yelling an d screaming hen all I was doing was explaining myself in a nice civil manner and they hung up the phone. Then when I call back they just dont pick up and forward me to a voicemail. I have been harass from these people put down an been degrade talked down too. I feel I dont deserve that kind of treatment, especially for something I dont know nothing about, I am trying to clear my name and make things better for me. I am a single mother of  XXXX  kids, and I cant get anything because of these people. Please help me if you can not hep me please send me to someone who can thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I had a payday loan with Ace Cash Express from years ago that I did not pay because I fell on hard times and lost everything. I got contacted by XXXX XXXX the last time on XX/XX/2018 the last time. They had a " professional locater '' call me and threaten me to be arrested any minute and that they had a warrant then she gave me a number her number is XXXX. She told me that a medaiator company is who was handling my account and gave me this number XXXX called XXXX. I talked to them and they made the same threats and I was scared so I gave them my account info. I thought about it and then called the FTC then CFPB after they reffered me. I spoke to both and they told me it sounded like a scam and to stop the debit so I closed my account and opened a new one. They also told me ask for their license. I called XXXX  back and told them I was filing a complaint and I needed the license number and their names. The desk girl got really upset and said she just worked the desk, she had no idea what they were doing and she knew it wasnt right and she didnt want legal problems and said she would stop the payments. She pretty much admitted that they were a scam. the email that the sent stuff from was XXXX they call themselves XXXX XXXX, XXXX and XXXX  XXXX. I asked them to email me everything and the refused the would only email a payment schedule. I want to press charges, they had me in tears acting like they were on their way to arrest me and then scamming me out of my money. I called ace cash express and the debit has been sold and I couldnt track it, where they said they sold it no longer had it.

Company response to consumer: Closed with explanation