BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX months ago overdraft fees and had a problem with my account where a charge of XXXX was charged to my account. That I did not do. Caused my account to overdraft and they would not investigate to return my funds.

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: Westlake Services, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Westlake Portfolio Management Contacted me on XX/XX/23 to attempt to collect a debt. I have no contractual agreements with Westlake Portfolio Management. 

I am writing to express my dissatisfaction with the way your company has been handling my lease agreement. As you are aware, the original company that I had signed the lease with went out of business. Furthermore your company has obtained my Non public personal information without my consent which is a violation of 15 U.S. Code 6802.

However, I have not been provided with any proof of assignment and therefore, I am unable to verify the legitimacy of your claim. Moreover, I have concerns that my right to privacy has not been respected by your company.

I would like to request that you provide me with proof of assignment. I believe that it is your responsibility to provide me with the all the necessary documentation to validate and verify this alleged debt and to act in accordance with .the FDCPA and C.F.R. 1006.34

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Last year late XXXX XXXX  wells fargo took money out of my account stating that i owned them money over XXXX advance for XXXX child tax credit. They took {$1500.00} in advance. It my account in the negative for XXXX weeks plus the still charge overdraft fees of {$35.00}.

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 2023-01-22
Company: Experian Information Solutions 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:
Account : XXXX XXXX XXXX  Account # : XXXX Account : XXXX XXXX XXXXXXXX Account # : XXXX Has continuously violated my rights numerous times. The Fair Credit Reporting Act under U.S.C 15 1681 states the right to privacy U.S.C 16 1681 no consumer reporting agency can furnish any accounts without written instruction. No instruction was given in this matter. However I have requested these accounts be deleted and removed from my report. False information has been updated in an attempt to rectify these accounts and has hurt my financial stability and consumer transactions.

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 2023-06-14
Company: BARCLAYS BANK DELAWARE
State: NY
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/XXXX there was a fraudulent charge for the XXXX XXXX ( in XXXX, XXXX ) for {$1900.00} on my Jetblue Mastercard. JetBlue alerted the fraud and I called to lock the account and get a new card sent to me. The charge was removed from my account. Two months later on XX/XX/XXXX, the charge reappeared on my account. I called Jetblue Fraud and asked why the charge was put back on the account and they said after an investigation it was put through as valid. I was never in XXXX, XXXX so I asked what documents they had to come to this conclusion. They said they had merchant documents, but those said documents didn't have my name or address on them, so I asked to re-dispute the charge. They said to wait 10 business days and I waited longer and never received a response. I called back XX/XX/XXXX to ask about the now re-disputed charge and was informed that they closed the investigation and were leaving the charge as valid because of the card being in person or something to that effect. I was in New York this entire time and never traveled outside the country, so my card could not have been in XXXX. I have charges on other credit cards from that same day in New York, one of which I have attached and highlighted charges made in NY on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not trust Jetblue to do their due diligence and would greatly appreciate outside assistance in this matter.

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 2023-03-21
Company: WESTERN UNION COMPANY, THE
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022, I wired through Western Union {$5000.00} to XXXX XXXXXXXX XXXX. This Money was to pay on my mortgage. As of todays date, my mortgage company nor XXXX XXXXXXXX XXXX have received the {$5000.00}. Each time I call western Union they tell me that they will contact XXXX XXXX. When I call back they say that XXXX XXXX is not responding to their request and they have to get XXXX XXXX XXXX response in order to issue me a refund. When I call XXXX XXXX XXXX, they tell me that they dont recognize the Western Union Tracking Number ( XXXX ) nor the Western Union confirmation number ( XXXX ) that was given to me. After three months of going back and forth, I would like your help in resolving who has my {$5000.00} and request a refund. Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was notified of possible privacy breach

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 2023-01-23
Company: Chime Financial Inc
State: IN
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 returned merchandise from a skincare company called XXXX. They issued my refund on XXXX XXXX XXXX  the funds were still not back in my Chime account. I called Chime on XX/XX/XXXX and spoke with XXXX different employees : XXXX representatives and XXXX supervisors. All XXXX said they had not received notification from XXXX that my refund was initiated. I told them I had email documentation proving XXXX did initiate it. 

I also said I had filed a dispute against the charges on XX/XX/XXXX and never heard anything about the status. Initially Chime said the dispute would be completed no later than XXXX  (! ), which is a completely unacceptable length of time. Customer Service said they were still working on the dispute. XXXX representative - who is in Chime 's dispute department- told me Chime contacted XXXX on XX/XX/XXXX, which his supervisor- also in the dispute department- said is incorrect and she would pass that on to him as a training opportunity. 

I asked the dispute supervisor for the exact status of my dispute - not just whether it's done or note, but what day they contacted the merchant and what information they have gathered from the merchant so far - and she said she doesn't have any information because the investigation is done by a different department. She said all she could say is that that department is currently working on my dispute. I said, so there's a department that tells customers whether their disputes are being worked on or not, then there's another department that does the actual work? She said yes, and that department doesn't have a direct line of contact. 

On XX/XX/XXXX I received an email that said my dispute is now to be completed no later than XX/XX/XXXX (!! ). Unacceptable does not even begin to describe that new length of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Synerprise Consulting 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:
To whom this may concern, I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXXXXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : SYNERPRISE CONSULTING SERVICES Formally XXXX : Date of service XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: MI
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 have made several attempts in XXXX to offset the balance of debt the accounts claim I owe. All of the accounts refuse to accept the some or all of the payments I sent them to offset the debt. As a result my credit scores have been negatively affected and severely hindered the ability to act in commerce! 

So in accordance with the Fair Credit Reporting Act, the accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to all the U.S. Codes : 15 USC 1681, 15 USC 1691, 15 USC 1692, 15 USC 1602, and 18 USC 894.

The Credit Furnishers are using my TRADENAME without my express written consent is in violation of the Michigan Legislature - Identity Theft Protection Act 452 of 2004 - MCL Section 445.65. 

The Names reported : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX The accounts and balances in question are listed below : XXXX  XXXX- {$29000.00} XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX - {$14000.00} XXXX XXXX XXXX XXXX {$33000.00} XXXX XXXX - {$1600.00} XXXX XXXX XXXX XXXX - {$780.00} The ( credit furnishers ) have blatantly violated my consumer rights and acted in restraint of trade which is in violation of 15 USC 1 and 15 USC 2.

Also, it clearly states under Fair Credit Reporting Act ( FCRA ) section 604 ( a ) ( 2 ) that a consumer reporting agency can not furnish an account without my written consent.

15 USC 1681c ( a ) Section ( b ) states, no consumer reporting agency may make any consumer report contain any of the following items of information.

( 5 ) Any other adverse items of information other than the records of convictions of crimes that antedates the report by more than seven years.

15 USC 1681s - 2 ( a ) Duty of furnishers of information to provide accurate information. 

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-23
Company: EQUIFAX, INC.
State: GA
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Had a personal checking account, I had few withdrawals back in 2012. My withdrawals were marked fraud in the system and since then I was not allowed to open XXXX XXXX product as black listed and was charged fees for my withdrawals.

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 2023-06-05
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-23
Company: EQUIFAX, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because they are reported wrong. You should corroborate your information and remove the negative information on this account. Can you please let me know how you verified this information? Now if it was just a clerical error ( which does happen all the time ) then this is your chance to fix that error. Please remove the late dates from this account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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 with 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
in the first to second week of XX/XX/XXXX I filed reports with XXXX XXXX that issued the card as well as my own bank XXXX XXXX XXXX  and XXXX credit bureau about fraud or potential identity theft to obtain a credit card using my personal information. as of XX/XX/XXXX my disputes are still under investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
They would withdraw the biggest pending amount first before withdrawing then in order of transaction

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 2023-01-23
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a credit card with Comenity Bank for XXXX XXXX XXXX XXXX. For the past 5+ months, it has been declined. I have {$0.00} balance. I added an authorized user in XXXX of 2021 & the bank removed this person without my knowledge. When the bank did this, they closed my card for whatever reason. Ive called 6 different times & spent more than 30 minutes on the phone with them each time. The first few times I called, they could not tell me why it was being declined. The next times I called, they said it was a system glitch & were working to get it resolved. It has been months & I still am not able to use this card. Id close it if it would not affect my credit. They dont have a timetable of when this issue will be resolved. On top of that, they have not reported my balance since XXXX to the credit bureau.

Company response to consumer: Closed with non-monetary relief