BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX received statement from Kohl 's for ~ {$1200.00}. The charges are not mine. Called Kohl 's and filed complaint. Received letter from Kohl 's dated XX/XX/XXXX stating 'we have determined the charges were not fraudulent based on your prior account history and activity. ' Called Kohl 's on XX/XX/XXXX and was told the name does not match mine and it was pickup orders. Refiled complaint. Received letter from Kohl 's dated XX/XX/XXXX again stating 'we have determined the charges were not fraudulent based on your prior account history and activity. ' I called on XX/XX/XXXX and refiled complaint. I don't know when this letter was received as I was out of town for 10 days. On XX/XX/XXXX again received a letter from Kohl 's about reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: LD Holdings Group, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I pay my mortgage and escrow on time ( EFT ) to Loan Depot. I recently got a delinquent tax bill and when I called them they said they would take care of it. 

Since then they said a payment was sent, but the tax office never received payment. They have a XXXX tracking number but it shows as never picked up by the shipper. 

If this isn't resolved by XX/XX/XXXX there will be additional action taken against me by the tax claim bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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:
In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit report. Therefor The account below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 168c-2. MY FTC REPORT IS ALSO ATTACHED BELOW! 


ACCOUNT NAME - XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Based on, 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft not later then 4 business days after the date of the receipt. 
This ACCOUNT should NOT be furnished on my consumer report as they in VIOLATION under, 15 U.S. Code 1681b - Permissible purpose of consumers reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency 's WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of these accounts IMMEDIATELY,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-03-10
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$400.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$650.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
They keep saying I owe them and I already filled serverous Reports saying it was due to identify theft and they still want take it off my credit it's not my account I don't owe XXXX XXXXplease get this off my credit cause it affecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I got a copy of my credit report and was shocked to see what was on my credit report. N accordance with the FCRA the Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without my written consent

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 2023-06-10
Company: BARCLAYS BANK DELAWARE
State: FL
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:
My credit limit is {$13000.00}. 
My credit was fully used and slightly exceeded. 
The XXXX XXXX Barclays - company rejected a few minor charges stating declined credit exceeded. 
Then Barclays accepted a charge for {$3300.00}! and added it to my unpaid balance. I have had repeated conversations with them asking them to reject the charge as they did with other minor charges. I asked how my credit limit was increased and why I was not contacted before they accepted that outrageous charge. The agent indicated that my credit limit was not increased. I asked then how was such a large charge accepted. They told me they would open a dispute and it would take 45 days. I told them it took only one day to add the bogus charge to me account, exceeding my limit and not contacting me prior to clearing the charge. Their repeated answer is " the charge went through ''. I insisted they reverse the charge and credit my account. They have not done so.

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 over 30 credit being reported on my personal credit reports. I have tried numerous times to get them removed. I've even hired credit repair agencies, still those 30+ unauthorized credit inquiries remain on my report. I pray the CFBP can assist in clearing these fraudulent inquiries off of my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: NC
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: SG and Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The stafford group and associates repeatedly calls friends, work, relatives, stating they are calling in for legal department collecting a debt and have to deliver legal documents. They call early morning, at night and weekends.

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 2023-06-11
Company: FIRST MERCHANTS CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We started a construction loan/mortgage with XXXX XXXX ( now First Merchants ) in XX/XX/2022. The loan officer ( XXXX XXXX ) strung us along with false information and promised closing dates that did not happen.

We escalated this issue at the bank and eventually the loan was closed but : * It closed several months after promised closing * We were forced by the bank to pay off some current loans which took away cash we had saved for the house build, made us lose cash discounts and increased the amount of money we had to finance with the bank * We were forced to pay off our son 's student loan ( we were co-signers ) and he may now lose out on {$10000.00} of forgiveness.

Once the loan was closed, it was nearly impossible for me to pay. I requested online access several times and was told they could not authorize our online account. I went into a physical XXXX XXXX ( now First Merchant 's ) branch and three different bank employees told me they could not figure out how to take my payment because they were not sure if it was a construction loan or mortgage. I did have loan statement with me including the account number. 

It took the bank multiple requests to pay out the final draw our builder which out us in a bad situation. Our builder is a client of mine and this incompetence put my business at risk. 

XXXX XX/XX/XXXX, we received an email from the bank ( XXXX XXXX ) stating our loan was rolling over from a construction loan to a mortgage and we needed to submit {$11000.00} immediately to roll over the loan. We were told no payment was due for XXXX or XXXX and our first payment of {$3300.00} would be due XX/XX/XXXX. 

We jumped through hoops to come up with {$11000.00} with about 48 hours ' notice and sent it to the bank. 

Last week, my husband and I did a conference call with XXXX XXXX XXXX ) who stated we did not make our XXXX payment. We explained the situation to her and sent her XXXX XXXXXXXX XXXX  contact information. XXXX stated she would get this figured out, put it in a holding pattern so it was not reported to the credit bureaus, and she stated she would " do what she promised '' and call us back with an update. We have never heard back from her. We also just received notice that this was turned into the credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: CITIBANK, N.A.
State: MI
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:
XX/XX/2023 Citi scam call regarding a fraud charge. Gave personal information. 
Closed my credit card with Citi and was reissued new ones. 
Scam number 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 2023-01-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I'm hoping you can assist me... 

I have been on the phone trying to contact Wells Fargo through the customer service line and the other phone numbers on my account application and my statements and on line. I have called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, to try and have one of the registered agents in the customer relations division. First when I call, I have to wait for over an hour because the automated prompts tells me that I do not have an account. I keep punching to try as pass through ... after over an hour, then, I speak to someone and they tell me, they too can not see that i have an account. They also said my account is closed with them after they dig deeper. I tell them, NO ACCOUNT IS EVER CLOSED. I ask them for a statement of account and all my history of accounts with the bank, and of course, they ask me a ton of questions and I get no assistance with my request. I would like some help getting the Bank to send me via email ALL my accounts, account history, every statement, deposit, withdrawals, service fee, and charges, and fees of any kind. I need a full statement-of accounts and a hard copy mailed to me at my address please : mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX the accounts with wells fargo are as follows : Checking Account : Everyday Checking XXXX Wells fargo Way2Save Savings Acct : XXXX I opened accounts and completed a Consumer Account Application on XX/XX/XXXX, of XXXX. 
Please have a complete copy of the history and statement of account on all accounts mailed to me as soon as possible. 
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 2023-06-11
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
When I banked with Wells Fargo they talked me into a military account. When they switched my account, they inadvertently removed my {$1000.00} line of credit which was a free service and provides flexibility with finances. Assuming I still had a line of credit, I bought car tires before a check I was getting that week fully knowing I was using my line of credit to cover a portion of the cost. 

Wells Fargo charged me over {$500.00} draft fees for purchases like gum etc. I actually went to the XXXX, XXXX XXXXXXXX XXXX and explained how this happened. The manager even agreed how the mistake could have occurred but refused to remove the fees. The manager did said sorry, however their policy is a {$100.00} forgiveness. I told the manager fine, take this {$500.00} and close my accounts immediately for providing horrible service and I will tell many friends and family to never bank with Wells Fargo for converting an account and removing a free service which was the mistake of the Wells Fargo rep. I have successfully steered many of my family and friends away from Wells Fargo over the decade and know for sure they lost a ton of customers with poor practices of running a business not putting their customer service as a priority. During my XXXX program, I share this story with my class and not to my surprise many others have experienced poor service. XXXX employees of Wells Fargo was in my class and they admit they are ashamed of Wells Fargos practices and leadership but they have hopes that new upper leadership turns it around. I dont keep up on Wells Fargo or care to, but do hope they have learned a serious lesson to not be so scandalous and teach leaders to make right decisions. 
They need incentivize people off of great customer experience scores instead of financials for the company. In the end customer satisfaction, empathy, and good leadership is how they should bank.

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 2023-04-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late. I WORKED HARD BY PAYING THESE OFF ACCOUNTS MONTHLY BUT THEY ARE REPORTING ME LATE. THAT IS UNFAIR!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: LDF Holdings, LLC
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This debt was included in a XXXX XXXX that is currently being paid for, the company did not file a POC but the stay, per my attorney, has not been lifted. I did contact the company to advise of the BK and to stop contacting and direct any inquiries to my BK attorney and they are still contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

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 non-monetary relief
Consumer complaint received 2023-08-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I opened an account with Chase Bank in 2013. As a ten year customer I did incur overdraft fees. I tried to keep account in good standing. I reached out to speak with a representative but the conversation always ended in you are only entitled to having three overdraft fees waived per year, regardless of the circumstances surrounding the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-20
Company: Central Portfolio Control Inc.
State: NV
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:
After reviewing my credit report, I have identified inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and it is significantly impacting my life. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THESE ARE INQUIRIES THAT WAS NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Frontline Asset Strategies, LLC
State: SC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This collection is fraudulent. This charge doesnt belong to me. The collection company is called frontline asset!. I filed a police report and submitted it as well.!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: NJ
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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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

Company response to consumer: Closed with explanation