BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-21
Company: DISCOVER BANK
State: NC
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 opened up a new Discover It Credit Card Account through a certified Discover link on their website stating {$150.00} bonus after purchase of {$1000.00} within 3 months of account opening.
After meeting all the eligibility criteria, I did not receive the account opening promotion bonus.
Discover is cheating me by saying that there is no such {$150.00} account opening promotional bonus. When asked to provide the proof of the same by pulling the credit card application, they said that they have insufficient information in the system. 

Discover is doing a fraud by prompting them to apply for credit card application and then followed by cheating them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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 Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 an account without my written instructions.

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 2017-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
On XX/XX/XXXX, my Capital One account ending in XXXX was billed for the amount of {$2500.00} by XXXX XXXX XXXX. I disputed the charge on XX/XX/XXXX. Although the merchant listed on my credit card statement clearly said XXXX XXXX XXXX, Capital One listed the merchant in the dispute as XXXX XXXX. Perhaps because XXXX XXXX XXXX did not exist. A company named XXXX XXXX XXXX XXXX XXXX located in XXXX, at the same address purportedly used by XXXX  XXXX XXXX had been administratively dissolved. XXXX XXXX was also dissolved XX/XX/XXXX. 
On XX/XX/XXXX, my Capital One account ending in XXXX was billed for the amount of {$8300.00} by XXXX XXXX. 
For Capital One transactions, I was a victim of deceitful telemarketing. 

On XX/XX/XXXX, my XXXX XXXX XXXX was charged {$6400.00} by XXXX XXXX without my knowledge or authorization. I did not supply XXXX XXXX with my credit card number, nor did I receive any goods or services from them. 
The charge was completely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hello, my name is XXXX. i have been going back and forth with XXXX XXXX Regarding unauthorized inquiries and accounts on my report that I didn't authorize nor open. These inquiries and accounts are preventing me from opening any new bank accounts. I have submitted multiple FTC complaints and gave received no help or solutions. We are on the verge of filing a lawsuit against for the violation of consumer act for reporting inaccurate accounts on my XXXX XXXX report. This is total XXXX and I have been sending back to back letters with my attorneys. The accounts are as follows : BANK OF AMERICA GEORGIA ( account XXXX ), XXXX XXXX XXXX XXXX account number : XXXX ), XXXX XXXX XXXX ( account XXXX ), XXXX XXXX XXXX XXXX ( account number : : XXXX ), XXXX XXXX XXXX XXXX ( account number : XXXX ), : XXXX XXXX XXXX XXXX ( account number : XXXX ), XXXX XXXX XXXX XXXX ( account number : XXXX ), XXXX XXXX XXXX XXXX ( account number : XXXX ), as well as the following inquiries : XXXX XXXX ( XX/XX/19 ) and XXXX XXXX ( XX/XX/19 ). 
I will be pursuing litigation against them for fraud pain suffering!

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 2017-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My credit card was stolen in the month of XXXX and I open up a fraud Dispute on it and I noticed that capital one rebill me for XXXX XXXX for the amount of XXXX they said that XXXX has credited them but capitol one rebill me and holding me responsible for it and I should n't be paying for it and they would take it off my bill

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts and public record listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy 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 2022-01-10
Company: WELLS FARGO & COMPANY
State: DE
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 recently moved from XXXX to XXXX. I am a Wells Fargo Customer. I recently visited my local branch here in XXXX  to use my ATM card and was told that there was a block on the account, so I could not use my ATM card. 

I went inside to the branch to inform them and to verify my identity by presenting my ID card and my ATM card. I was told my account was verified and I could continue using my account normally. 

However, I am still blocked out of my account. I have called 3 times, each time waiting over 45 minutes on hold. Each time, the agent refuses to help me and to tell me to visit my local branch to present identification. I have done so already, but am still unable to access my account. 

The last agent on the phone with the name XXXX was rude, harassed me and hounded at me.

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 2021-11-22
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
On XX/XX/XXXX, I have received a notice to appear in XXXX XXXX. The plaintiff, Midland Credit Management Inc has accused me for a credit card debt of {$1400.00} and I don't know anything about that credit card. 
On XX/XX/XXXX, my wallet with all my personal information such as FL ID, Work Permit and Credit Card was lost on my way going home from work on XXXX XXXX XXXX. I have reported the incident to XXXX XXXX XXXX and a police report was issued to me. 
After the Courts hearing, I have emailed the Police Report to the plaintiff and I have been instructed to to report the case to Federal Trade Commission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-30
Company: EQUIFAX, 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 XXXX-2017 I received a notification via my XXXX XXXX account that the XXXX XXXX was deleted from my credit report after a dispute, however it still shows on my report and I would like to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 Tried to deposit a check for XXXX. Used mobile deposit feature. Of course it didnt work. App kept saying error after error after error. Contacted regions and they cant tell me why. I told them I used several different options they have available and still didnt work. Said I would have to take it in to the bank. I told them it was a payroll check from my retirement systems of Alabama. Its a monthly direct deposit same account and same amount.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX Account # XXXX,, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # 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. 

I XXXX XXXX, hereby attest that the information provided is being filled by myself and not by any other third party.

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights XXXXThe Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX XXXX XXXX XXXX ) Has violated my rights 2- ( XXXX XXXX/ACCOUNT XXXX XXXX ) Has violated my rights 3- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 4- ( XXXX XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 5- ( XXXX XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 6XXXX ( XXXX XXXX  XXXX XXXX XXXX ) Has violated my rights 7- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated 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 non-monetary relief
Consumer complaint received 2022-01-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I living breathing soul XXXX ; XXXX XXXX XXXX beneficiary, have sent Wells fargo auto 3 written cease and desist noticfications about stopping all communications dealing with debt oertaining to account number XXXX. Wells fargo refuses to STOP debt collection notices being sent to my private address. They have sent 4 DEBT COLLECTION NOTICES on 4 different occasions ( please see attachments for documentary evidence ) WElls fargo entered a Fudiciary agreement on XX/XX/XXXX of XXXX acting as the trustee to my XXXX XXXX which is the Social security number to XXXX XXXX, in which XXXX ; XXXX XXXX is the beeficiary of which means wells fargo doesnt have authoirty to act as a beneficiary of the XXXX XXXX. They have been committing sutto fraud. They have been paid directly from the trust and continuously keep using deceptive forms and now have sent a harrasment of vehicle repossesion. ( please see attachments ) They have violated Title 15 usc 1692c and 1692e, along with DISREGARDING THE CEASE AND DESIST letter. The agreement on XX/XX/XXXX is null and void and doesnt stand in court of Federal Law since the voilations and Laws have been put on public record that have been broken by Wells Fargo 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 2017-09-10
Company: EQUIFAX, INC.
State: CO
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:
Equifax security breach. Equifax failed to properly protect my private data, causing sensitive information to be shared with unapproved parties, potentially leading to identity theft. ( This issue also affects my spouse. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
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: Old information reappears or never goes away

Complaint:
Incorrect reporting as collection for XXXX credit card with open balance of XXXX ... .this a co uhh by past the 7 year mark for experian report Was closed due to charge off by 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 2021-11-22
Company: CITIBANK, N.A.
State: SC
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:
I, the natural living person, am notifying the CFPB of the billing error on the accounts I have with Citibank. I received a statement from Citibank stating that if there are any issues with the statement, to notify them within 60 days. I have already requested documentary evidence that I owe Citibank, and they have not provided that. I understand under 12 CFR 1026.13 ( 6 ) that it is in fact a billing error when the consumer requests additional clarification which includes documentary evidence. Citibank is still stating that I owe them, when in fact, they haven't provided any documentary evidence to prove that. I have notified them that I, in fact, am aware of this billing error and it needs to be corrected. I provided them with a billing error notice, explaining to them that I have reasons to believe that there is a billing error, and included the amount of the error that exists. As of right now, this billing error has not been corrected and Citibank continues to create more billing errors on my account. Citibank has also closed the XXXX accounts I have with them due to nonpayment when I have advised them that there is a billing error. Citibank is prohibited from closing accounts or taking adverse action when the consumer notifies them of a billing error, which is also under 12 CFR 1026.13 ( d ) ( 3 ).

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 2022-01-10
Company: EQUIFAX, 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:
Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus ; XXXX, Equifax and XXXX on XX/XX/XXXX and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: EQUIFAX, INC.
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:
I am writing to dispute XXXX XXXX/XXXX  XXXX on my credit report. The creditor has agreed to delete this account and it is still being reported. Please delete the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04
Company: UBS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing now in wish to receive your help. Currently I am working on reviewing my credit, paying down my balances, and pursuing greater credit worthiness. You play a very important role in this process. I am inquiring about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit agency ( XXXX, XXXX and XXXX ) on XX/XX/2017 and I am writing this to have this remark took back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time or it was dropped in the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX/ACCOUNT XXXX XXXX  ) Has violated my rights XXXX ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights XXXX ( XXXXXXXX XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXXACCOUNT # XXXX ) Has violated my rights XXXX ( XXXX XXXX  XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights

Company response to consumer: Closed with explanation