BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had my Wells Fargo credit card turned off during the month of XXXX because I had just started a new job. A fraudulent charge went thru the account around XX/XX/23 even though It was turned off causing a fee for it overbalancing. I end up disputing the charge instead of reporting fraud ( a mistake on my part ). The next month another fee hits with out the dispute being resolved so I called them. They informed me I filed wrong action and pointed me to the fraud department. While filling at my fraud report with the department I asked the lady if I would have to pay those fees back immediately or if they would get refunded when this was resolved and she told me they would be refunded and not to bother paying them. Also claiming the account would be suspended till resolved. The original dispute even though being 2 months old at this point was still in the system making it so I couldn't file a fraudulent claim. Neither one of the two scam department reps informed me of this and another month goes by and a late fee on the account that was supposed to be suspended. That's when I call an find out the original claim blocked the fraud claim for going into action and no one told me or contacted me. The dispute supposed to expire after a month so I didn't even know 3 months later it was still active. They have refused to refund any of the initial fees nor any of the subsequent fees from their incompetence with filing the scam report. I filed a complaint and the lady who filing the complaint hung up on me. Later when someone reached out and I pointed out what they want they tried to claim none of the fees where related and they weren't going to pay a single one back. At the very least the late fee for an account that supposed to be suspended is unfair but to deny the obvious fees for the charge. They also deleted my old card and sent me a new one deleting all records of the events.

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 2023-08-20
Company: AMERICAN EXPRESS COMPANY
State: GA
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 received 2 different XXXX XXXX cards in the mail. When I called American Express to activate one of the cards, the representative confirmed that I would get the bonus points after the {$4000.00} spend. Again, after doing the {$4000.00} spend, I called Amex and once again was told that I would get the bonus points and to wait 8 weeks. After waiting 8 weeks, I called again and was told that I would receive the bonus points and this would be escalated. 

Despite this, American Express is now claiming that it does not matter what American Express told me previously, they are not going to honor what they told me. 
I have escalated to the CEO level XXXX XXXX and still denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Paid of my Ulta and Victoria Secret Credit Cards owned by Comenity Bank. Called to pay off accounts and requested email confirmation of my accounts being closed down. The agent confirmed and I left it at that. 

The cards showed paid off and closed on credit report, my accesses were closed down so I could no longer log in. I assumed I missed the email. 

In XXXX I recieved a letter for each card with interest fees I was charged after my accounts were " closed ''. 

I went to each platform to log in and both confirmed I didn't exist. Had to call customer service to re-gain access. 

Once I gained access I sent a message telling them everything I just stated amd requested they remove the fees and close my account as I had originally requested.

They sent a letter via physical mail denying my request and threatening to send me to collections if I didn't pay. Now the cards are back on my credit score and I can not log in due to not existing in their system. 

Please help. I always paid their cards on time and never thought I would be placed in a situation like this. 

Thank you for your help. 

Regards, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09
Company: WELLS FARGO & COMPANY
State: IL
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:
Several amounts of monies are withdrawn/hacked from my Checking Account 4-6 times yearly with Wells Fargo Bank. I have called with some issues being resolved for small amounts of monies returned ... .but not large amounts. I feel this is robbery from the financial institution that I should be able to intrust my monies with.. this feels like a facility that won't allow a loan or even a financial advisor without a fee to their customers ... and allow thieves to still from their consumers. I feel my privacy has been beyond exposed ... at this point there is absolutely no way to know who all has my information through Wells Fargo Bank. 

Loyal Customer 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 explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: NY
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 to the Fair Credit Reporting Act, XXXX  XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
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:
On XX/XX/2023, I issued a complaint regarding this same exact activity and it has yet to be followed up on or updated. Can I please get an update?

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 2023-04-28
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022 i submitted a dispute letter to XXXX XXXX espressing the information is inaccurate. 

in accordance with the fair credit reporting act XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TOYOTA MOTOR CREDIT CORPORATION
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: 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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
On XX/XX/2023 I was charge {$76.00} at XXXX XXXX XXXX. I contacted Capital one and informed them that I did not place that charge on the card. They refunded the money to my account after I disputed the charge. Today, I received a letter from them stating that the charge was resubmitted to my account because they did not received requested information. I have not information to summit to them. I did not use this card to make a reservation and I did not present this card to the merchant. It may be that they have this card on file from previous stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: IL
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. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX Department of Ed/XXXX  Account # 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 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 2023-06-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XXXX and XXXX of XXXX I made a series of balance transfers to my Citibank credit card totaling {$5600.00} ( including fees ). At this time, Citi had offered me a promotional 0 % apr on transferred balances through XX/XX/XXXX. In XXXX I added an additional fixed-repayment balance of {$6600.00}, something Citibank markets XXXX a " flex loan. '' This " flex loan '' balance is and was subject to an apr of 9.99 %. My most recent statement, dated XX/XX/XXXX, confirms that the promotional apr rate for transferred balances expired on XX/XX/XXXX. At this time the apr for the transferred balances increased to 21.49 %. I made a payment on XX/XX/XXXX for {$5300.00}. According to Citi, this was the amount that I needed to pay to satisfy the minimum due on my account for that statement period and pay off the remaining balance from the balance transfers made in XXXX and XXXX. On the Citi website, this figure is described as the " adjusted new balance '' ( not really a new balance this case ). The amount of the payment I made in excess of minimum due ( {$190.00} for this statement cycle ) should have been allocated to the highest apr balance ( 21.49 % ). My statement from XX/XX/XXXX indicates instead that the payment was allocated entirely to the " flex '' balance at 9.99 % apr, contrary to both Citi 's stated policies and federal law. As of this statement, I still have a {$5000.00} balance at 24.49 % apr and I was charged interest at this rate for the 8 days from XXXX to XXXX. I reached out to Citi on XX/XX/XXXX via online chat to ask them to correct the misallocated payment. The chat agent acknowledged that Citi 's handling of the payment was contrary to federal law but stated that their system allocates payments automatically. He declined to correct the mistake, stating there was nothing he could do on his end. I find Citi 's behavior here to be predatory and I have a hard time believing that Citi hasn't deliberately set their system up to yield this exact result, given that they stand to gain a great deal of money in higher interest charges from these types of " mistakes. ''

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 2023-04-28
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:
On XX/XX/XXXX, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove the following accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Reached to XXXX XXXX on XXXX XXXX to fix an error regarding late payments that they have reporting to TransUnion XXXX XXXX and XXXX. I set up a payment plan for my card on XXXXXXXX XXXX XXXX. To where I would pay XXXX on the XXXX of the month starting in XX/XX/XXXX, XXXX. I made every payment on time with an automatic withdrawal from my account. Until they abruptly transferred the account to collections in 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 2023-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Capital One did not furnish me with a Form 1099-C after two alleged debts of {$500.00} and {$300.00} was charged-off from credit accounts in my name. It is also to my understanding that once a creditor charges-off an account, that they receive a tax deduction for the charge-off amount when they file their taxes. That in turn converts the amount owed from an alleged debt, into earned income, which has fraudulently been reported to the consumer reporting agencies as charge-offs, of which I mistakenly paid off, and it misrepresents the amount charged off as alleged debt owed, instead of earned income, which is being fraudulently reported to the credit reporting agencies. Not only does Capital One have it listed on my reports as charged-off, but the received tax deductions on accounts that were paid, this is considered tax fraud according to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
To whom it may concern Please ask XXXX XXXX XXXX, to provide the following information before you simply write its been Verified and close my complaint. 
this account needs to be validated first please ask them to provide you with a copy of the original contract bearing my signature that I signed for this debt. 
Need a copy of the payment history from the original creditor that clearly shows my payments with them. Also, they provide the name and address of the original creditor. 
Also, we need proof of ownership that XXXX XXXX XXXX have been assigned this debt. If they Decline to provide, please remove it from my credit report. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: South Mississippi Collection Services Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've tried to fix the problem through the company that is trying to collect the debt. I live in XXXX, Texas I do not live in Mississippi, this debt date that was opened is : XX/XX/2019. I've lived in Texas for 5 years. This is wrongful reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: W&A Intermediate Co., LLC
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wakefield and associates is trying to collect on a debt in which I don't owe they're trying to collect on three medical bills one with XXXX XXXX and the other with XXXX XXXX.I had XXXX and it was extreme, I was in the ICU on XXXX XXXX XXXX XXXX and had XXXX XXXXXXXX XXXX XXXX XXXX. I literally had to call and say XXXX XXXX XXXX XXXX, XXXX XXXX XXXX but was out of work for 7 months I had insurance when I was in the hospital for what XXXX  is trying to bill me for. XXXX never sent me one single Bill until I was out of the hospital for over a year that was the first I heard of it. Within only 2 weeks of receiving the letter in the mail they had already sold my debt off to Wakefield and associates, Wakefield and associates already had a debt of mind from XXXX XXXX which I do not refute. My problem is with the debt 's that they're trying to collect from XXXX. Not only at the time was the cares act in place but I had insurance, myself and my wife both told XXXX to Bill our insurance company, my insurance company covered tens of thousands of dollars in my bills while I was in the ICU, these bills are no different they are from XXXX and should have been billed to my insurance why they were billed to me and brought to my attention so late I have no idea, but I do not owe these. aWakefield and associates is just harassing me for a debt in which I don't owe, it's bad enough I had XXXX XXXX XXXX XXXX I was off work for 7 months, and I'm still sick and in and out of the doctor 's office and the hospital because of effects that XXXX has caused to my XXXX, please hold Wakefield associates accountable and make them stop harassing me and delete my debt for XXXX XXXX I do not owe it.

Company response to consumer: Closed with explanation