BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Equifax Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX : {$2600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: Alorica Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had a loan taken Opened XXXX XXXX, XXXX through XXXX. This loan was sold to another company SST and somehow the balance jumped to {$4500.00}. However, As reported on XX/XX/XXXX, I only had a balance of {$2100.00}. They seem to have lost track of this balance completely, and to make matters worse, they sold off to another company with the number of XXXX ( was not given the name ). Neither party seems to be in possession of the loan and I have called on multiple days. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I believe. There seems to be a lot of misdeeds related to this personal loan and I simply wish to pay it and get it off my credit report, as this loan was originally intended to help me increase my credit report, not trash it. We were given little notice that the original company went under.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, 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:
XXXX Bank claims I had a card XXXX. I am XXXX and a victim of identity theft. They refused to process my opt-out and they repeatedly respond to the credit reporting agencies saying it's my account and it's not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX and financed it through Capitol One Auto Finance through their loan # : XXXX. In their letter XX/XX/XXXX, I was instructed to complete and return to Capitol One the Fraud Questionnaire and Affidavit of Fictitious Account. I did not return these completed items to them. This vehicle was repossessed from me while I became XXXX, with my personal belonging in the vehicle from XXXX XXXX on XXXX XXXX  XXXX, XXXX, CA. XXXX. A view of the property security footage with the motel XXXX showed that my vehicle was towed away at night by a tow truck by multiple men. My location and vehicles were discovered by Capital One the evening before because my niece, XXXX XXXX XXXX ( XXXX ) asked me about my well-being and location on XXXX. I filed for XXXX XXXX bankruptcy relief in XXXX, Nevada through my Attorney, XXXX XXXX under case # ; XXXX. I received my XXXX XXXX Bankruptcy discharge on XX/XX/XXXX. Capitol One was listed as a creditor. I held Capital One banking accounts, secured and unsecured credit cards, that were closed because of the fraud XXXX 's suspicions of towards me and my accounts. I was a student at the University XXXX California, XXXX during XXXX and my student accounts were affected. I fell into financial hardship when my place of employment suddenly closed, XXXX XXXX XXXX causing me to file a California Unemployment Insurance Claim. The claim benefits were deposited into my accounts at XXXX  XXXX XXXX and XXXX XXXX, they were often placed on hold or otherwise made unavailable until my accounts were closed or afterwards. I was also experiencing health problems at this time, I was a patient of XXXX XXXX XXXX. I was diagnosed with XXXX XXXX  Disorder on XX/XX/XXXX. The riverside Police Department directed me to contact the FBI because of my Identity Theft and file a IC3 report. I appeared at the FBI XXXX, California XXXX and was told by XXXX Agents that my case did not meet the FBI threshold and filed my complaint with XXXX, spoke with the XXXX XXXX XXXX Attorney 's victim 's services XXXX and filed for their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2023, Bank of America sent me a credit card bill in the amount of {$1600.00}. I promptly paid the bill on XX/XX/2023. Shortly afterwards the bank closed my account. I then received a refund on the closed credit card account in the amount of {$1600.00}. This amount now shows as a credit of {$1600.00} on the account. 

I contacted the bank about 2 months ago and an associate told me that since the account is closed, the bank will issue me a check to pay me back {$1600.00} ( Case number XXXX ). However, I received a mailed response from Bank of America on XX/XX/2023 informing me that they can't return my credit card payment with no explanation for not returning my money. 

Adding a layer of gravity to this financial saga is my ongoing battle with a severe illness spanning XXXX arduous years. This health struggle has introduced unforeseen financial burdens, making the bank 's refusal to return my money not just disappointing but morally questionable. 

Let it be underscored Bank of America 's actions tread the murky waters of Unfair, Deceptive, and Abusive ( UDAAP ) standards. This maneuver inflicts substantial financial injury upon the consumer, corroding the foundation of consumer confidence and casting a shadow over the integrity of the financial marketplace. The refusal to rectify a situation that is both morally and ethically imperative is a testament to the dire need for reevaluation and accountability within our financial institutions. 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 monetary relief
Consumer complaint received 2023-08-08
Company: WELLS FARGO & COMPANY
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau c/o Case Manager 1700 G Street N.W.

Washington, D.C. 20552 Dear Sir or Madam : The purpose of this letter to request a claim be opened against Wells Fargo over unethical business practices and business errors made by their Fraud Department in XXXX. Please find the details below. 

In XXXX of XXXX, my Wells Fargo checking account and debit card were compromised. Someone across the country ( I live in Virginia ) deposited a check into my account, which Wells Fargo temporarily cleared, and the person then used the funds to purchase XXXX from XXXX using my debit card. As soon as I noticed this activity, I reported the fraud to Wells Fargos fraud department. The representative indicated that the matter was being resolved. However, months later, I received a notice from Wells Fargo that I was being held liable for the charges since the merchant ( XXXX  ) said the charges were valid, even though I did not make them. 

The account has since gone to collections with XXXX XXXX XXXX XXXX XXXX They are asking me to pay {$4700.00} for the fraudulent transactions. After several phone calls and mailings, I informed the collections group that I had reported the fraud to Wells Fargo when it occurred. The representatives from Wells Fargo and XXXX XXXX XXXX inform me that the fraud claim was closed in XX/XX/XXXX and the credits reversed to the balance previously stated. 

I am asking that the Consumer Financial Protection Bureau step in, open a claim against Wells Fargo and XXXX XXXX XXXX XXXX for their unethical business practices and poor business practices, and clear my closed account of the balance and subsequent record on my credit report. If you have questions or need further clarification, please contact me at 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 2023-08-08
Company: EQUIFAX, INC.
State: NY
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: KY
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:
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.

has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: TX
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:
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have both made payments and taken out more money from this lender, but neither the increase in total debt nor the payments were shown in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check on my Truist account signed over to me by a family member for {$12000.00}. The check was payed by XXXX XXXX to Truist. 

Truist decided to close my account because my name was not on check and they kept the funds given to them by XXXX XXXX. They told me to ask XXXX XXXX to recall the check. 

I asked XXXX XXXX to recall the check, they stated that they had no reason to recall the check and the matter was closed for them. 

Truist said to bring the owner of the check to bank and they would release the funds. The owner came and they were now not interested in speaking with her. That they would investigate and get back to me, this was in XXXX 2023. They never got back with me. 

I never received any correspondence from them regarding this transaction. I called and visited the bank several times and now they say that I have to provide a letter stating that the check belonged to me. That they tried to have XXXX XXXX recall the funds and XXXX XXXX would not respond to them. 

I have no way of providing the documents they are asking. They are under my familys name- not mine. As stated they signed over the check to me and I provided the funds that they needed to repair their roof ( hurricane damage ). This is an insurance check. 

I asked for a letter stating their decision so I could take it to XXXX XXXX. They said that they will not put anything in writing and that I must communicate with XXXX XXXX. That they will confiscate the {$12000.00} until I provide the letter that I can not provide, something thats impossible for me to do. 

Truist is keeping my money now for over 6 months and they said the case was close. They had decided to keep the money. 

The money belongs to me or they can return it back to XXXX XXXX so we can get the money that they already paid back. 

Truist said that thats not their problem. That they will not provide anything on writing and thats the Investigation will continue indefinitely. 

Please help with this matter. I can not get XXXX XXXX to recall the funds and Truist will not release the funds that XXXX XXXX already pay them for my account. Im in a corporate never ending circle. 

Thanks for your assistance, Kind regards, 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 2023-08-08
Company: EQUIFAX, INC.
State: NV
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 Equifax has purposefully reporting incorrect information to my consumer report. This has significantly impacted my consumer report in a negative light preventing me from receiving credit, loans, cars, & homes. 
Ive also asked both XXXX XXXX XXXX Equifax to remove my personal addresses & information from this consumer report multiple times, however, they have blatantly ignored my instructions. 

XXXX XXXX XXXX Equifax have violated 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1681 Section 602 States I have the right to privacy, & Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 

Each of these violations carry the risk of {$1000.00} each or more. 

I am instructing XXXX XXXX XXXX Equifax to correct the errors to my consumer report expeditiously, & to pay the fine per violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Subject : Request to Update Employment History and Address Information on Credit Report Dear Sir/Madam, I hope this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to request the correction of employment history and address information on my credit report. I recently obtained a copy of my credit report and noticed some inaccuracies that need to be rectified. 

I would like to bring to your attention that the following address and employment entry are incorrect and should be removed from my credit report : Incorrect Employment Entry : XXXX XXXX XXXX, XXXX, AL Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX My correct employment history is as follows : XXXX, XXXX, AL XXXX XXXX, XXXX, AL XXXX, XXXX, AL XXXX XXXX, XXXX, AL Additionally, I would like to update my current address to the following : XXXX XXXX XXXX XXXX, AL XXXX Therefore, I kindly request that you make the necessary updates to my credit report by removing the incorrect employment entry ( XXXX XXXX XXXX ) and address ( XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX ) and replacing it with the accurate information provided above. 

Maintaining the accuracy of my personal details and employment history is crucial to ensure the integrity of my credit profile. I trust that you will process this request promptly to avoid any further discrepancies in my credit report. 

If required, you may reach me at XXXX or XXXX for any additional information or verification. 

Thank you for your prompt attention to this matter, and I look forward to receiving confirmation of the updates made to my credit report. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting this account incorrectly. This account has been paid in full and should reflect so. Please update this account to paid in full as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, 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 information incorrect

Complaint:
I have reached out to these companies numerous times about the inaccuracies on my report about an XXXX  credit card ACCOUNT # XXXXThey have continued to report my credit report as accurate when it is in fact inaccurate.They have yet to delete this false information. I would just like for this account to be deleted I didnt give permission to have these accounts furnished to my report. Below is inaccuracies circled that are reported from each credit bureau XXXX XXXX and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/2018 there was a transaction made without my knowledge. Had to miss a day of work to go in and start a brand new account. Never found out who or what did this 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 2023-05-07
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a letter in the mail from XXXX XXXX XXXX  regarding a debt that they say i owe LVNV but i do not recongize this company and they are reporting on my credit report without providing me the original purchase agreement. or any type of contract bearing my signature that i owe this money. They are in violation of the fair debt collection act by reporting this unverified account on my credit report. I ask that i am provided the purchase agreement by this company i refuse to pay a debt to someone i do not owe. XXXX and XXXX and XXXX  are also reporting this on my credit report also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
Hello, To whom this may concern, I have tried over and over again to get these accounts off my credit report and the credit report are not doing what they are suppose to do. I have disputed theses Companies because the are wrong.! 
Amount : XXXX the date states XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX. I Know these companies have violated my right because according to the Fair Credit Reporting act 15 U.S.C. 1681 SECTION 602 A. States I have the right to privacy. I have never heard of the Companies that is contacting me to collect theses debit. The credit report keep saying this is accurate. The 15 U.S.C 1681 SECTION 604 A. SECTION 2 Also states that the consumer reporting agency can not furnish a account without my written instruction. I Have the right to challenge these debit. Please help

Company response to consumer: Closed with explanation