BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-08-14
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, the information on my identity theft report has not been blocked. I feel like I'm being taken advantaged of and being ignored of my disputes. In Section 605B, it is plainly stated that a Consumer Reporting Agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days. My information was impacted by the XXXX data breach and has gotten into the hands of the wrong person. I have sent a notarized copy of the affidavit attached. The document was notarized to authenticate the documents and my identity, no further proof of identity should have been required. Any responses that I have received were general responses and did not respond specifically to my affidavit nor my disputes. They did not comply with my demand to block the information in the affidavit pursuant to the law. I have followed all of the necessary steps in order to legally and rightfully have these items removed, including but not limited to : Sending letters to the reporting agency, filing FTC reports with the Federal Trade Commission and sending notarized affidavit of truth clarifying the identity theft. The extended length of time to remedy this situation has drastically impacted my financial stability. I demand these accounts be deleted immediately or I will file for litigation and seek damages due to the stress you have caused me.

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 2023-08-27
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
From XX/XX/XXXX to XX/XX/XXXX of 2021 I had over XXXX transactions made that I did not authorize or make, I contacted my bank to get this refunded after no luck with the merchant and my bank denied it without providing me any documents or a shred of evidence to support the decision after the investigation. I believe this is a violation of regulation e. Also very important to note the inconsistencies from my bank because I have had problems with this same merchant for a while and have had similar disputes approved by my bank no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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:
Are you familiar with something called 15 U.S.C. Section 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.

15 U.S.C 1681 section 2. ( 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. 

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 explanation
Consumer complaint received 2023-10-19
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My vehicle was towed on XX/XX/XXXX at XXXX XXXX. I was not sure why the vehicle was towed because the vehicle was paid off. I purchased the car from US Auto Sales located at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. After XXXX their information, I reached out to Westlake Debt Collection Company and was told I was behind on payments and that needed to pay an outstanding amount if I wanted my vehicle. The information that Westlake provided me with as far as my address was not correct. The address I was told that the vehicle was towed from was located in Tennessee and I have never lived in Tennessee. I was asked for an address, social security number, and other personal information that they did not have on file in an attempt to get specific information to try and attach to the documents that they were emailed to me. Westlake Portfolio has not reached out to me via mail, the email address that they have on file is outdated and the vehicle was towed from a completely different address than what they have provided to me. I was hung up on several times by their representatives and this company is located in California. Westlake portfolio stated that US Auto Sales was bankrupt in XXXX and closed down in XXXX. I was still making payments on this vehicle at that time and up until XX/XX/XXXX. US Auto Sales have not reached out to relay any information pertaining to this matter. I have attempted to access my online account with US Auto Sales to see my payment history and that information is no longer available to be accessed. I have attached my bank statements to show proof of payments because Westlake 's portfolio stated that I have not made any payments as they know of. US Auto Sales has closed out my account and reported it to the credit bureau as a paid-in-full and closed-out account. The information provided to me by Westlake is information the same information I was asked to verify my account with them. US Auto Sales is also the original lien holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
1. Wire of {$4500.00} sent on XX/XX/XXXX, recipient did not receive wire. 
2. Claim filed on XX/XX/XXXXXXXX  with Wells Fargo. 

I called Wells Fargo weekly and bank kept saying they're researching the status of claim. 
Today XX/XX/XXXXXXXX  I called bank again and they stated that recipient bank received the wire on XX/XX/XXXX and closed my claim!!! 

That IS INCORRECT. My vendor NEVER received the wire. So bank has to open a new claim for me. I've been a customer since XXXX and have sent many wires. This is unacceptable business practice. Over the course of 2 months, Wells kept telling me someone will call me to update me with status. NO ONE calls you back. I have to call and be transferred multiple times before anyone would look into my claim. 

This process is broken and I'm so frustrated!!!!

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 2023-10-19
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received only {$10000.00} from my closed account. I am still owed over {$14000.00}. The bank called XXXX XXXX to verify the funds. XXXX XXXX told US bank it was a valid wire into my account. This was well over a month ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-20
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: National Credit Systems,Inc.
State: TX
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:
I contacted the original creditor of the alleged debt for the account NATIONAL CREDIT SYSTEM XXXX and asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. National Credit System is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Remove this account from my credit report immediately. FDCPA and FCRA violations have up to {$1000.00} fee per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received a email alerting me that applications was submitted XXXX to jpmcb but was block do to a credit freeze. I didnt fill out an application nor did I give any one permission to on my behalf. I contacted trasunion right away to notify them I didnt submit any credit application today. I was then told to call chase to alert them that this application was file fraudulent. I called chase application department at ( XXXX ) XXXX in which the rep said had ask to provide my ssn and name. Upon looking she locate the application and flag it as fraud I request a copy of the application to file with my police she told I would have to follow the step in chase identity theft kit to be able to obtain a copy of. In which she ask for my address to mail out the theft kit and also told me that a letter would be sent over to the credit to remove and inquire from this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-22
Company: Klarna AB
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
So in XXXX, two fraud loan accounts we're opened under my name. I was unaware of this until I saw my credit report because I am soon getting a mortgage in my name. They are under the company names Klarna. I have spoken to Klarna and they have tried to get the accounts opened but they can not as someone has just used my name and they have declared it as fraud. I honestly need your help please Klarna are not taking the matter seriously and I need to have the fraud removed from my credit report as soon as. The action I took as soon as I found at was call the bank who suggested because its fraud speak to Klarna and they will sort it which I have and I have also reported to the crime and fraud team but nothing is being done to resolve the matter. So please if you could help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX notified me that the company Vance & Huffman LLC affected affects negative my credit score with a balance of {$6900.00}. 
I never received any validation notification from Vance & Huffman LLC. 
Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and validation is requested. 
Balance date : XX/XX/2023. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: IL
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 received a Notice of Delinquency dated XX/XX/XXXX, addressed to myself and the account holder. Re : Retail Installment Sale or Credit Sale Contract Dated XX/XX/XXXX vehicle ( N/A )... This letter will be included if I can upload it. The notice informs me the contract stated above is delinquent & is my obligation. {$750.00} is due the date of the notice. If I don't pay or make arrangements to pay within 15 days from the date of the notice- ( XX/XX/XXXX ), we may report adverse information about you to a consumer reporting agency and exercise our legal rights against you... 
The account holder did make arrangements and has paid XX/XX/XXXX : {$2900.00} XX/XX/XXXX : {$1800.00} XX/XX/XXXX : {$500.00}. A total of {$5300.00} in an attempt to clear the amount owed as requested in the Notice of XXXX. 
XXXX XXXX XXXX reported negatively on my credit before the 15 day period expired on-XXXX, they stated in their Notice of Delinquency. The account holder spoke with XXXX and made arrangements for payment, explaining having every intention of fulfilling that responsibility. Asking why did they report on my credit when arrangements were made. They were asked to remove the report off my credit as I was in the process of moving and could possible be left homeless due to this knocking my score from XXXX to XXXX to XXXX. All in one week. The landlords thought it had to be an error. Unfortunately for me, there was not time to stop the damage.

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 2022-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX XXXX, I reached out to Bank of America to inform them that both my vehicle and purse were stolen between XXXX that same day. Although my debit card had been placed on a lock the night prior at XXXX via the Bank of America XXXX XXXX ( with email confirmation ), the suspects were still able to use my card to make XXXX different transactions at XXXX different stores causing my account to go into negative. When speaking to the representative, they hadnt flagged anything until I made the initial call. They opened a claim saying that it needed to be researched and processed. Next day, XX/XX/2022, called again to give them the police report number and the name of the police department, the rep added the information to the notes. Called again Tuesday because account is still in negative, rep stated claim was still being reviewed although they have all this information all while XXXX dealing with my vehicle being stolen along with all my personal information. It is not Thursday, XX/XX/2022 and my account is still in negative and the claim is still being researched although this shouldnt have never happened in the first place when my bank card was locked using their mobile application.

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 2018-10-27
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The attached collection never proved any right to collect a debt, which requires according to the Federal Trade Commission, Consumer Financial Protection Bureau and my rights under the Fair Debt Collection Practices Act not only a statement that the collection agency or debt buyer is trying to collect on a debt. but there must also be given to the consumer a sign off statement from the original showing documentation that the debt collector was assigned permission to collect a particular debt, but since the US Supreme Court decision on XXXX XXXX XXXX XXXX XXXX XXXX, there are hundreds of collection agencies now identifying themselves as debt buyers. This decision basically throws out my rights under the Fair Debt Collection Practices Act completely. There is a big problem with collection agencies now classifying themselves as debt buyers. The first problem is that almost all states are now requiring separate licensing for such a designation. Most debt collection agencies are avoiding that requirement nationwide. In addition, there must be a written statement from the original debtor showing proof of new ownership. A simple letters from a debt collector will not stand up in any state court. The attached collection/debt ownership is invalid based upon the fact that in most cases a collection agency can not show proof of assignment or new debt ownership. Almost all credit card ownership has been sold to securitized pooling agreements. This is factual which means one thing, how can the original procurer of a debt assign collections or new debt ownership without approval from the original securitized trust without buying the debt back itself. The simple math proves otherwise. This letter of the right to collect either on collection assigned rights or new debt ownership is invalid based upon the disconnect of rights. Accordingly, the collection is invalid and can not have validity unless its given back to the original debt procurer. I am not disputing the obligation of debt. The collection agencies have already abused the XXXX decision causing billions in financial damages to the American consumer. This collection is in essence invalid and my file should be purged and any reference to a collection on my credit bureaus must be deleted permanently.

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