BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I had applied for a Wyndham Rewards Credit Card at a timeshare presentation in XXXX of 2022. I had a timeshare purchase made on the card and had it cancelled a couple of days after due to pressure tactics and had not used the card until XXXX after being promised a promotion. 

Upon further review, I noticed Barclays was offering an introductory XXXX Bonus points if the card was used for purchases totaling {$1000.00} within the first 3 Months. Prior to using the card, I had a conversation with XXXX on XXXX XXXX via an online chat which I will include. I had asked her if I were getting the promotion being offered online to which she responded I was not and and advised me I was getting a different promotion. After asking her why I was not as it is listed on the website, She came back and said she does show the XXXX bonus points and will submit a ticket to ensure I receive the promotion after completing the requirements. 

I then started using the credit card ( to which I am sure Barclays received a nice profit from merchant fee 's ) and had used the credit card for all my purchases for the next 2 months to guarantee I spent over {$1000.00}. In total spending well over {$2500.00}. 

When I called to ask about the issue I was told by several representatives the issue will be reviewed and I will be contacted. After finally calling again on XXXX XXXX at XXXX, I received an unsatisfactory response from the credit card company. 
The last representative XXXX, rep ID XXXX, stated bluntly, you are not getting the bonus points because that was not part of the terms and conditions of your credit card offer. After explaining to XXXX, my conversation with the other representative XXXX on XXXX XXXX she did not care and stated it doesn't matter what was said. 

I want to reiterate, and stress, the only reason I used this credit card in the manner I did was due to the conversation with a representative and Barclays is not holding up their end of our expressed contract. This is not only horrendous customer service but fraudulent in nature. 

In utmost dissatisfaction with the company, I had cancelled the credit card on XXXX XXXX. Please assist in obtaining what was offered to be added to my Wyndham rewards account 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 2022-06-26
Company: EQUIFAX, 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 credit reporting act XXXX  account # XXXX Has violated my rights. 

15 usc 1681section 602 a states I have a right to privacy 15 usc 1681 section 604 a states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Self Financial Inc.
State: FL
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:
I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : Self Financial/Lead Bank Account ( XXXX ) # XXXX and XXXX ( Late date Both Accounts XX/XX/XXXX ) XXXX XXXX XXXX Account XXXX XXXX ( Late Date ( XXXX ) : XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX This Company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, The Law States ( b ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

These Consumer Reporting Agencies can not furnish any of these accounts because I Did Not give my written instructions.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not
include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is also an unfair act to report late payments inside their payment grace period most of the payments for XXXX XXXX XXXX was reported before grace period in the year of XXXX. 
XXXX XXXX & XXXX late charges It is illegal to report late payments without the person consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XXXX XXXX XXXX  a fraudulent account was opened in my name, at an address I've never lived at. I contacted the bank that opened the account, and they have closed the account. However, the identity thief charged {$77.00} to the account before we were able to find out about it. It was pure luck that we found it, as my husband found it during a routine check of my credit. We never received a statement obviously, because the address associated with the account was also fraudulent. 

The XXXX credit bureau recommended that we file a notice with the FTC, but the FTC directed us here.

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 2022-06-27
Company: Experian Information Solutions Inc.
State: GA
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:
They have violated my rights and have violate the Fair Credit Reporting Act, Despite several written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they verified that these items are being reported correctly ; but have not provided a reasonable method of verification as required under Section 611 ( a ) ( 7 ). To date, they have NOT provided me a copy of ANY documentation. They are in violations of the following listed below : 15 U.S.C 1691 section 602a-states I have the right to privacy 15 U.S.C 1691 section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my instructions. 
15 U.S.C 1692 c : States No Communications without the prior consent of the consumer 15 U.S.C 1692 b : States No Communication without the prior consent of the consumer given directly to the debt collector FCRA Act Section 611 States : gives me the right to request an explanation of the verification method you used. 
FACTA act, SEC 312 ( b ) and ( c ) : States to provide Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. )

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 2022-11-29
Company: EQUIFAX, INC.
State: WI
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:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR 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. US DEPT OF EDXXXX : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXXXXXX 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 that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I XXXX XXXX demand that all late payments be removed from my consumer report because the term consumer report does not contain information about transactions or experiences between i the consumer and the creditor, pursuant to 15usc 1681 ( 2 ) this is an improper use of my consumer report.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: TX
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:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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 2022-09-21
Company: WELLS FARGO & COMPANY
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In response to CFPB complaint XXXX, Executive Office Case XXXX XXXX XXXX XXXX states `` We would like to add that on XX/XX/XXXX we received returned mail and we suppressed statements for XX/XX/XXXX and XX/XX/XXXX. '' Under the Account details section XXXX XXXX XXXX makes clear that statement generation was somehow suppressed because of alleged returned mail and " statements were started again in XX/XX/XXXX after you confirmed address in XX/XX/XXXX. '' Multiple comlaints were filed between XXXX XX/XX/XXXX and XX/XX/XXXX through the CFPB portal and ALL were consistent with the address information. Moreover, the CRAs did not report a change in my address, and I continued to reside at the address through late XXXX. Finally, I have no recollection on specifically providing documentation that allegedly " confirmed '' my address because my address had not changed. That somehow a returned piece of mail would warrant cessation in statement generation, to not only withold paper statemens, but access to electronic statements is incohate. Moreover, it is a violation of 12 U.S. Code 5531 ( a ) which makes clear that WF  was to have provided this information to me in electronic format, accessible by me through electronic means. An aggrevating factor in this matter is that I am, and was at the time, a XXXX individual due both to a chronic illness and long-COVID. Under the ADA access to electronic statements would be considered a reasonable acommodation, and claims of WF of " we didnt know about your XXXX '' are moot because they must allow consumers to retrieve information regarding their accounts in electronic format that is accessible by a consumer.

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 2022-11-29
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is not my debt at all. I have never received to this day any paperwork, mail or phone calls about this debt owed to Collection bureau of XXXX, original creditor XXXX XXXX and XXXX. The account reports that it was opened XX/XX/2022. The amount owed is {$4000.00}. That's nearly impossible to use that much electricity in a little over a month for a suburban home. I have had the same phone number since XXXX of this year and never received any messages or phone calls about this debt. I have disputed the debt? When?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: Waypoint Resource Group, LLC
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Waypoint Resource Group has reported on my credit report that I owe a debt of {$330.00}. I do not owe this debt. I have never been contacted by this collections agency about this debt. They have not shown any proof of this debt. I want this removed by credit report immediately.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Opened XXXX XXXX XXXX Highest Balance {$19000.00} ), 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 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 XXXXXXXX Its been over 45 days and TransUnion havent respond to my request as they are required to by the 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 non-monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2021-08-03
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Commonwealth Financial refuses to remove this medical bill from XXXX from my credit report, they put it on my credit report with no notice in middle of XXXX and didn't give me an opportunity to give them the facts of this case.

The original creditor cancelled the debt and sent me and them a letter and they refuse to listen to them. They refuse to verify information, refuse to give me any information on this debt. I had to go down a rabbit hole to find out what this debt was and the debt is not even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, I was inform that my checking and savings accounts were closed by Wells Fargo. They contacted me via email and I called them immediately. In such call, I confirmed with the bank agents the address in XXXX where the checks should have been sent with the reimbursement of the money contained in my accounts. 

By the date of this claim, I have called to the bank multiple times asking why I have not received the checks in my address in XXXX. In XX/XX/XXXX, a bank agent informed me that they allegedly sent me the checks to my old address by mistake, so they requested to sign an Affidevits called : " Declaration as to Lost, Destroyed, or Stolen Cashier 's Check '' duly authenticated by a Notary, that they sent me to my correct address in XXXX 

On XX/XX/XXXX, I sent back to the Bank by USPS the Affidevits duly signed and authenticated by an American Notary. 

On XX/XX/XXXX, I called to the " Departamento de Soporte de Clientes y Mediaciones '' where a bank agent called " XXXX '' informed me that they do not have any information about the receipt of the Affidevits, so they can not confirm the situation of the reimbursement of the money contained in my bank accounts through a check. 

I already have been waiting XXXX months for my money, when I trusted in a bank institution as Wells Fargo my savings in order to get access to them when I want, taking into consideration that such money derive from my work and I urgently need to use for the maintenance of my family.

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 2022-09-21
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called the company on XX/XX/2022 and settled the debt and I never received a letter in the mail. I was treated very poorly via phone when I called on XX/XX/2022. I was told that I can either receive the settlement letter by mail or email. I never received the email and called the company back on XX/XX/2022 to let them know I did not receive it. I requested to speak with a Supervisor and was verifying my mailing address. They had the wrong mailing address and I provided that to them the day I set up the payment arrangement to set up the debt. To this day I never received the letter via mail. They would say anything just to get me off of the phone. I called back one last time on XX/XX/2022. I asked if the debt would be deleted off of my credit and I was told that it will not be deleted even though the debt was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: DISCOVER BANK
State: MA
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 Discover, Remove this Discover account number : XXXX, date opened on XX/XX/XXXX, for inaccuracy because you are reporting inaccurate and incomplete payments history Information on my XXXX and XXXX credit reports. 

I disputed the inaccuracy on the dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via XXXX and XXXX certified mail but the inaccurate incomplete payments history remained unchanged and inaccurate on my credit reports on XXXX and XXXX affecting my credit score. 

Discover is not reporting any of my previous positive payments. Discover wiped out all my payments history and I attached the supporting documents for you to review please follow the fair credit reporting act ( 15 u.s.c. 1681 ). 

Sincerely, Today 's date is XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have a joint account with family friend. His balance was XXXX for months. He deposit a cash in the ATM machine for {$19000.00} on XXXX XXXX. On XX/XX/XXXX. XXXX, he walks into the bank asking for a withdrawal. The teller tells him he can only get {$8000.00}. He received that and walks out the bank. I get a call the same day saying what occurred earlier.I asked why didn't you contacted me before you gave him the funds. She said his name was on the account. It turned out the check bounced and was stolen. I'm confused because the same way they called me hours later to ell me what happened, they could have called me before they gave him the money. Anyway, I spoke to the person who did this and he said the people who convinced him to do this told him they know someone who worked in the bank..He has text message about this entire situation. I have partial text messages but he showed me in his messages the person said, " we know someone in the bank '' ..... Prior, to this happening, I went into the bank asking them to remove this person off my account and they never did.Now, they are telling me I'm liable for the bounce check of {$8000.00}

Company response to consumer: Closed with explanation