BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Credit acceptance is reporting as XXXX accounts once as XXXX XXXX XXXX on XXXX and again on all three bureaus as XXXX XXXX co there should be one account name only. i have included the credit report and highlighted all inaccuracies. 
I have disputed many times and they still report incorrectly. 

acceptance now account is inaccurate across XXXX reporting agencies

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 2022-08-13
Company: BARCLAYS BANK DELAWARE
State: CA
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:
XXXX XXXX transferred its credit card business from XXXX XXXX to Barclays Bank around XX/XX/2022. Without notice, Barclay Bank  XXXX imposed a {$100.00} per month purchase requirement upon cardholders. If this is requirement is not met, a {$2.00} per month fee is imposed. On XX/XX/2022 I was charged a fee of {$2.00} pursuant to this requirement. While such a charge might seem de minimis, the purchase requirement is not. No information concerning this fee is found on the Barclay Bank  XXXX website nor do the FAQs mention this. Prior to the change in banks, no such requirement existed, thus consumers in good faith signed up for a card that did not impose a minimum purchase requirement. Without notice, consumers are now required to spend {$1200.00} per year using this credit card or incur an arbitrary fee, which presumably can increase over time. 

I contacted Barclays Bank XXXX concerning this and was told by a representative that she could not do anything about this requirement, although as a courtesy she removed the {$2.00} from my account. 

While closing a credit card account is an option, this action can adversely affect one 's credit score for a several reasons. When a consumer loses the available credit limit on that account, her credit utilization ratio jumps, thus suggesting that the consumer is using a higher amount of her available credit. 

I believe this requirement to be inequitable, discriminatory and illegal, and particularly harmful to XXXX  such as myself who are retired and on a limited income. We did not sign up for this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX They will start calling first thing at XXXX then the calls are repeated every hour or numerous times each hour. I would say it started on XX/2017. I have tried to talk to the company and let them know when I would send a payment in but the phone calls wont stop even though I have spoken to a representive, Im just like I just talked to someone from the company why are they still calling non stop. I know Im over due with my account/ Bill but now the calls are becoming harassing/ annoying in where I cant sleep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have previously disputed with XXXX XXXX and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I took Wells Fargo to small claims court on XX/XX/XXXX for violating the rules about a claim I made using my Wells Fargo VISA debit card and won. The judge entered his ruling on XX/XX/XXXX saying that Wells Fargo had 30 days to pay me but has not done so. I am owed {$9300.00}. 

I took Wells Fargo to small claims court in XX/XX/XXXX and also won and had this exact same issue where they did not pay me within the 30 days I I had to write to the Consumer Financial Protection Bureau in order for them to finally pay me what I was owed, so this seems to be a pattern with Wells Fargo and I wonder if other consumers are complaining about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: KY
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:
On XX/XX/XXXX I faxed my IDs so NCTUE could update my information & address and have NCTUE mail me a full report. Never received it? 

On XX/XX/XXXX, again, faxed my IDs so NCTUE could update my information and have NCTUE mail me a full report, never received it? 

Plus I have attempted to access the automated system many times, putting in my ss #, house # & zip code, I am never recognized. 

I have never received any letters from NCTUE telling me about any type of problem on why my report can not be mailed? 

I have included the both faxes sent to NCTUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: IN
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:
XXXX  XXXX Account XXXX This accounts payment history details are being reported inaccurately. I have never been late on this account. I have also attached a copy of my consumer report from another agency with highlighted proof where the information was corrected and updated. I am asking that you all do the same. 

This account was also closed by the grantor and then reopened with the same account number without my permission and is now showing as a new account that I did not authorize and is reporting new account history. This account was opened in XXXX of XXXX and is now reporting a new date of XX/XX/XXXX. I did not authorize this company to open a new account on my behalf and if this account is going to report on my credit profile it needs to report accurately. I wanted this corrected immediately or I do plan to pursue litigation based on laws provided by the FCRA. 

XXXX XXXX Account XXXX This accounts payment history details are being reported inaccurately. I have never been late on this account. I have also attached a copy of my consumer report from another agency with highlighted proof where the information was corrected and updated. I am asking that you all do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Ive reached out to Transunion and XXXX about this high impact inquiry on my credit report from XXXX XXXX XXXX  collections for a cable bill from XXXX not belonging to me but someone received in my name. Ive disputed it and sent dispute letters and its still there. Please help. Thanks in advance!

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 2017-06-30
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have an XXXX XXXX credit card issued through Citi cards. Citi offers an account management portal on the internet. Within that account management tool is the ability to message with Citi securely. They call it the " Secure Message Center ''. I reported several months ago that I had submitted a question via Secure Message. Citi first responds by regular email that a response is in the customers Inbox. When I check my Citi Secure Message Inbox no message is present or visible. They assure me that a message has been sent. Citi also acknowledges that they are having technical issues with this service. This issue has been outstanding for approximately six months as far as I know.
<P/>
My concern is what happens to the messages that Citi sent me? Who received that message if not me? Where did the information contained in the confidential message go? <P/>I suspect that Citi has a potential Information Security Breach and has not taken proactive steps to safeguard customers information. Citi can not provide me with information that proves the message intended for me was not received by some other Citi customer.
<P/>
Citi knows of this problem but either can not or will not correct the issue. <P/>I last spoke with a person by the name of XXXX who gave his job title as Assistant Vice President of Operations. I ask for other management contact references and that request was refused by XXXX. I was also given an email address to send Citi 's email responses to me. XXXX My recommendation to Citi was to cease offering the Secure Message Service until it is fully operational. I made clear that I am concerned about the security of my personal information yet Citi seems very unconcerned about that aspect of this problem. <P/>Thank you,

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 2022-05-02
Company: ERC
State: SC
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:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: NC
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:
In accordance wit the fair credit reporting act, the following companies have violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : XXXX/XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : CAPITAL ONE BANK USA N Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$5600.00}

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 explanation
Consumer complaint received 2019-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried to get a loan that shows it has been charged off on my XXXX  credit report removed. The loan is in good standing and I was told by the loan agency to dispute it on my credit report and it would be removed. I went through the credit agency and they denied my dispute, but my husband disputed the same loan and it was removed from his credit reports. They will not remove it from mine.

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 2019-11-20
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I was notified via mail by First Progress in XXXX of 2019 that there was possible fraudulent activity on my card ending in XXXX. The letter stated that the card would no longer be active and another would be reissued to me. I never received the new card but First Progress continued to charge me interest on the low balance as well as expected me to pay on time payment for an account I had zero access to. This has cause issues with my credit and First Progress has been non-responsive to my requests to either get another card or close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

2. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

3. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: MS
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have contacted all three Credit Bureaus/Agencies ( XXXX XXXX XXXX, TransUnion ) and the Creditors ( Bankruptcy and ( 2 ) XXXX XXXX XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature.Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ''

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Inflection.com, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I placed a fraud complaint with XXXX XXXX  of XXXX XXXX TX on XX/XX/XXXX regarding someone trying to open an account in my name using my SS #. 

Today, my employment agency did a background check and found that someone is still using my info. from XXXX, KS from XXXX and in XXXX NY on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Date of Transaction - XX/XX/2021 Amount of Payment - {$210.00} Paid by Corporate check by XXXX  XXXX XXXX to Wayfair Wayfair claims to not have received this payment. The corporate check was received by by XXXX XXXX  and deposited into an account as referenced in the attachments. 
At the time XXXX XXXX  was the issuing bank and XXXX  XXXX XXXX indicated that it was the responsibility of the issuing bank to inform them of the bank change. After continued harrassment from Wayfair and Citibank, and further research and communication with XXXX XXXX, XXXX found the money in another account which I had with them. They refunded the {$210.00} to me in XXXX and in turn sent Wayfair this amount. I never missed a payment and have use bill pay options to make my payments. In good faith, we paid the full amount to Wayfair before it was due. The changing of issuing banks should not fall on my after the fact that it was paid and neither I nor XXXX  XXXX XXXX should be responsible for lates fees or interests accrued since XXXX of XXXX. 

I have also filed a complaint with the XXXX. Wayfair did not want to take responsibility or consider helping in the research to where the funds ended up nor did they consider the situaiton to find a solution except asking or money. Wayfair and Citibank ( who is now the issuing bank ) continued to call me and send notices for payment until I told them to stop. 

Please help me with this situation. Thank you so much!

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 2022-01-10
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received XXXX emails on XX/XX/2022 as if I had opened an account with the Pentagon Federal Credit Union. The emails were requesting verification in order to open the accounts and receive tax information electronically. I have changed my email password and tried contacting the bank but the phone service requests my DOB and full SSN- I chose to hang up before providing any of that. I am unable to speak to a human.

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 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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