BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/22 at XXXX pm I received a phone call from Wells Fargo executive office. The phone call was in response to complaint # XXXX which I filed with CFPB concerning funds missing from my Wells Fargo account XXXX The person identified himself as XXXX XXXX He asked me if it was a good time to speak. Although I told him no ( I was driving and I was celebrating my daughters birthday ) XXXX insisted. I just want to get this case closed he exclaimed. He asked me a series of questions. I felt as if he was attempting to debunk the claim without investigating the validity of it. XXXX accused me of conjuring up problems. XXXX XXXX then stated that he has heard enough and that there would be no investigation. I was instructed to hire a lawyer if I felt this was unfair. I do believe that this is the very same person whom I spoke with approximately a year earlier about the fraud in my bank account only to have him tell me that my concerns werent important enough to be escalated, then he hung up on me ( that conversation was recorded ). This situation has been very upsetting. To be treated in such a manner with no concern as to the validity of the claim. I did call Wells Fargo after I calmed down and filed a complaint against XXXX XXXX For his handling of the case and his treatment of me. I truly dont feel as if I will get any resolution with this bank. They have bounced me around for some time now as if just playing games, while my daughter and I have gone without food due to the theft of funds intended for us to live off of. I am asking that you use any authority to make this financial institution understand that they are entrusted with peoples livelihood and should responsibly handle funds entrusted to them. I would greatly appreciate any assistance provided.

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 2022-02-18
Company: Experian Information Solutions 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:
I am requesting that my credit report dispute be reviewed. This is the 4th attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.

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 2016-02-08
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Other

Complaint:
Macy 's called my ex-husband regarding my Macy 's credit card account. I have never given them his phone number or permission to contact him regarding my account. They have all of my contact information and they did not attempt to contact me at all. I do n't want my ex having information about my accounts. Do I have any recourse?

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 2022-07-18
Company: Experian Information Solutions Inc.
State: FL
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX XXXX  XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX  ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNTS resulting from alleged identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Several years ago I opened an account with BBVA Compass bank in My Name and my wife 's name. When the account was opened we were issued a credit card. In XX/XX/XXXX we closed our BBVA bank account and we thought we closed the credit card account. We never used the credit card during the time we had the bank account and never received any credit card statements before or after we closed the bank account. Today XX/XX/XXXX we received a {$0.00} balance statement from BBVA Compass for a credit card in my wife 's name for the period of XX/XX/XXXX to XX/XX/XXXX. I called BBVA compass to verify that this was not fraud, and the ask for my SSN number, which I refused to supply. They were able to verify the account by our phone number and address, and agreed to close the account. I ask for the last four digits of the SSN number that they had on file for this account, but their representative XXXX XXXX refused to answer. I am complaining about two actions by BBVA. 1.  Keeping the credit card account open, when they stated it would be closed in XX/XX/XXXX, and not sending any statements until XX/XX/XXXX. 2. For refusing to supply me with the SSN that the account was opened under. The bank account had my SSN on it, so they had no business opening a credit card in my wife 's name with my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I went to XXXX XXXX XXXX XXXX and XXXX with student loans in mind. I transferred my credits from a previous college, I did n't think I would have an issue. I also receive several school scholarships, I paid monthly payments out of my pocket during the semesters as well. feel like the school misleads students in order to keep the retention low. I was never informed that I would have a {$20000.00} plus loan debt after graduating. I feel like they pressured me to sign loan papers in order to stay in school. I would n't have finished the program if I knew the loan amounts. The degree has not opened up any opportunities, I did not receive any internships or mentor-ship. The school and its staff have changed and relocated. I am left with debt and no direction, I am working a job not in my field to try to repay loans. I honestly do n't feel I 'm responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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:
I am sending this request myself to address the inaccuracies on my Credit Reports. 
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : 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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am sending this request myself to address the inaccuracies on my Credit Reports. 
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports 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 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 2022-07-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appears on Credit Reporting Agency without my knowledge or permission. In accordance with the Fair Credit Reporting Act my rights were violated. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Discover enrolled me in a Payment Protection Program back when I first signed up for the card. Since then it appears to have been on my statement as a small fee that would has gone unnoticed for the full length of my membership with them. Upon calling Discover all anyone can say is that I gave permission for them to charge me over the phone without any additional information, recordings, or names. They then continue to state again all that they attempt to do keep members aware that they are being charged these fees with no statements as to how I was specifically enrolled originally or what they are doing to address such concerns in the future.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-04
Company: JPMORGAN CHASE & CO.
State: TX
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:
My due date was on a Sunday ( XX/XX/17 during a three day weekend ( XXXX XXXX ) and it did not roll to the next business day. The chase bank branch near my house was closed both on Sunday and Monday. I have worked in Mortgage servicing for more than 20 years and we are required to roll any due date to the next business day when it falls on a weekend and I believe credit cards should as well. I believe not requiring a due date to roll to a business day is an unfair and unethical business practice. I was charged a {$25.00} late fee

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that I wanted to removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance : $ XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX PSC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX XXXX XXXXXXXX XX/XX/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 2017-09-04
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: Public record information inaccurate

Complaint:
Previous Case Number with CFPB : Case number : XXXX ( EQUIFAX HAS NOW FROZEN MY CREDIT REPORT AND HAVE FAILED TO ACT ON INFORMATION I PROVIDED ; I WAS INSTRUCTED TO PROVIDE ADDITIONAL INFORMATION ON MY IDENTITY AND I DID. PLEASE SEE ATTACHED DOCUMENTS ) On XX/XX/XXXX, and XX/XX/XXXX, I disputed an account reported by XXXX County Superior Court ; Case # XXXX ; Amount : {$1800.00} in the file you maintain under my Social Security number. 
I was informed on XX/XX/XXXX that the item was deleted from my credit report with Equifax. 
Now I discovered that the item has been reinstated on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five ( 5 ) business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the BBB. 
Please govern yourself accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, GA XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau This item has been removed from my credit report with XXXX, XXXX  and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, 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 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 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 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 2017-09-04
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a dispute onXX/XX/XXXX in the amount of {$100.00}. Epiccard/ XXXX XXXX XXXX program issued a provisional credit on XX/XX/XXXX in the amount of {$100.00}. The dispute was resolved in my favor and I recieved a letter from Eppicard stating that the provisional credit will remain on my account. The merchant XXXX whom the dispute was against also issued back the refund to Eppicard. On XX/XX/XXXX the provisional credit was reversed with no explanation. Since the letter stated that the dispute was in my favor and the provisional credit will remain, I did n't expect that my account would be debited the credit at a later date. As a result of the debit my account became negative, hence I did not recieve my monthly Stipend of {$100.00} on XX/XX/XXXX. Each time I contacted customer service, I was told that the credit should not have been reversed and they are submitting a tracker to the department responsible for crediting Back the {$100.00} to my account. I asked if I could speak to that department directly and was told by XXXX, XXXX, XXXX, XXXX, XXXX, XXXX a supervisor name XXXX and several other customer service representatives that they are submitting a tracker for me to recieve back the {$100.00} and there was no way for me to contact anyone else in regards to the dispute. These are just names of people I have spoken to monthly in the department that I contact to file the dispute. It 's now XXXX and 4 months after the reversal and I still can not get back {$100.00} that 's due to me. The dispute tracking ID number is XXXX. The tracking ID that the reps claim that they are issuing to their higher ups in regards to my complaint is XXXX. 
I contacted XXXX who gave me XXXX XXXX stating that they are the financial institution responsible for the card, after contacting XXXX, I was told by XXXX that they only make and sell the plastic to Eppicard and that they are not involved financially. 
Contacting Consumer Financial Bureau is my next step before filing a civil claim which cost {$50.00} in my state and then I 'll also sue for the court cost. I am hoping it can be resolved at this level. I will also hold XXXX accountable as this company is bearing its name. 

I was not able to upload the letter that states I can keep the provisional credit, but I have a copy and I also taped my phone conversations with Eppicard, the state of Oklahoma law states as long as one party knows it 's being taped.

Company response to consumer: Closed with monetary relief