BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: Exeter Finance Corp.
State: IL
Product: Credit reporting 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:
I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XX/XX/XXXX Utility - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
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. 

1, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: PA
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 16 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
TransUnion and XXXX is furnishing wrong information on me and when I dispute they wont take it offThis is hurting my credit.

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 2023-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
As a consumer affected by XXXX XXXX covered major disaster period that is still ongoing, I have recently become aware that my consumer rights have been violated on several occasions. According to Title IV Sec 110401, no person may furnish any adverse item of information ( except information related to a felony criminal conviction ) relating to a consumer that was the result of any action or inaction that occurred during a covered period. Sec. 110402 also restricts collections on consumer debt during a national disaster or emergency. Debt collector means a creditor and any other person or entity that engages in the collection of debt, including the Federal Government and a State government, irrespective of whether the applicable debt is allegedly owed to or assigned to such creditor, person or entity. Capital One has closed my credit card account, furnished adverse information to my credit file and also caused me to lose other credit opportunities by damaging my credit score/financial reputation. The president has not declared the National Emergency to be over therefore this is still in effect. Capital One is noncompliant with federal law and has willingly and intentionally harmed me. I demand all adverse information to be removed from my credit file immediately, for my account to be reopened and a new card sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I had originally applied for a Capital One SavorOne card, and saw that there was a XXXX dollar signup bonus after spending XXXX dollars in 3 months. I applied and got approved for the card. After calling CapitalOne after not seeing the bonus in my account, I was bounced around to different representatives until one said that he would file a case on my behalf for it, and that he would take care of getting me the bonus. That representative said that he would add the offer to my account. I got a call back about a week later from someone at CapitalOne who told me that when I accepted the offer for my SavorOne, it did not include the signup bonus, because apparently I was rejected for the signup bonus. I don't understand this because I got APPROVED for the SavorOne card, but apparently not for the signup bonus that was specified. I'm pretty upset at this, because CapitalOne advertised the signup bonus, but then skimped me out of it. I think this is pretty dishonest on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
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:
I opened my account with Wells Fargo on XXXX XXXX XXXXXXXX, CA XXXX on XX/XX/XXXX. On XXXX XXXX I deposited a check which had a hold until XXXX XXXX. On XX/XX/XXXX the hold was cleared and the amount was released into my account. Wells Farge reinstituted the Hold between the XXXX XXXX. They never contacted me to inform me of this action. They also put a hold on my entire account and brought the account negative. I had no access to my money : I could not purchase anything : food, gas, etc. Wells Fargo claimed that the problem was with XXXX not honoring the check. I went to XXXX  only to find out they had paid the check to Wells and Wells had improperly filed it. Wells still refused to release my funds. They stated that no payments would be returned until this was sorted. On the XXXX, They sent back over 10 items unpaid. The branch manager attempted to blame this on me because I used a mobile deposit. I had asked a teller previously about in-person vs mobile deposits and was told that there was no difference. I still do not have any money.

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 2023-08-07
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am after 6 months still trying to get Bank of America EDD California money back the was stolen out of my account that has been closed since XXXX, I think ( I am saying I think because I don't have access to it but the criminal may still even after all of the reports filed ) I have/had filed reports here FTC # XXXX, Police report in XXXX county XXXX. I have filed reports with XXXX XXXX office, XXXX XXXXXXXX XXXX office. But instead of anyone asking me or checking with me if what Bank of America complaint response just sent lies to sweep it all under the rug. I spoke with XXXX XXXX, platform manager for Bank of America who told me what he saw, was that the criminals set up a account on their phone, that transferred immediately and directly the money out of my account into their account, and also alerted them anytime money was being put into my account so this could happen. He was supposed to have contacted the edd bank of america claims department to have the write a check and send it to me instead of continuously reimbursing my money to be taken immediately by the criminals. I told this to complaint response person XXXX XXXX, but that person never got back to me. So I am still without the money and I was taxed on it and I do not know what to do about that either. Please help 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 monetary relief
Consumer complaint received 2023-09-27
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I worked extensively with XXXX XXXX ( Insurance Business Manager, License XXXX ; XXXX ) between XX/XX/XXXX and XX/XX/XXXX to resolve a short rate cancellation fee that XXXX XXXX was trying to charge me for a policy that I cancelled due to bad faith practices on behalf of the insurance company ( false information by an insurance agent to get me to purchase insurance with the company ). I sent a letter to the company on XX/XX/XXXX detailing all of the issues and requesting assistance with settling this and did not receive a response. XXXX  along with several other agents and supervisors that I spoke with agreed that the agent 's conduct was unacceptable. XXXX told me he would work to resolve the short rate cancellation fee. He told me there was a round table meeting with management to determine if the request would be approved. XXXX later told me the request was approved and the only fee XXXX would charge me is the membership fee for the period in which I was covered by them, an amount of {$47.00}. I called accounts receivable to process the payment by phone on XX/XX/XXXX and was told the request hadn't been processed and it shows that I still owe the full short rate cancellation fee. I then contacted XXXX again, who assured me it would be handled and to only pay the {$47.00}. I recontacted accounts receivable on XX/XX/XXXX and made the payment of {$47.00}. I repeatedly expressed to XXXX and other agents and supervisors that I did not want this account to go to collections and would pay the fair amount that I owed them of {$47.00}. Given XXXX assured me after paying this amount the account would be resolved, I no longer checked in with XXXX. Approximately one week ago I began to receive daily calls from Southwest Credit Group ( XXXX ; XXXX ). Today, XX/XX/XXXX I called Southwest Credit Group back and determined they were a debt collection company for the debt that XXXX reported to them that I owed. I explained I paid what XXXX told me needed to be paid and requested information on how to dispute the amount owed. The agent refused to give me information on how to dispute. I then attempted to contact XXXX directly via phone and email and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: WESTERN UNION COMPANY, THE
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On the morning of XXXX XXXX, 2019, I initiated a money transfer to a friend in XXXX, XXXX, named XXXX XXXX. Despite having made transfers to Ms. XXXX multiple times in the past, I was told the company needed to review this transfer. An agent called me after several minutes to ask for information. When he asked for the receiver 's name, I gave it to him. He asked me to repeat it and I asked him to clarify which part he had not heard. He would not do so, and became rude on the phone. I asked to speak to his supervisor. He refused. 

To make a long story short, I had to make three phone calls to find out what was happening with this money transfer. I was cut off once -- call dropped. Eventually I spoke to an agent named XXXX, who was helpful and told me that the transfer was canceled for " business reasons. '' I asked what that meant, he said it had something to do with the compliance department but he could not be more specific. I asked to speak to someone in that department. He said he was unable to connect me because they did not have the phone number of that department. 

There should be no reason that this transfer was questioned, much less cancelled, since it was identical to transfers I have made in the past. There is absolutely no reason Western Union can not  provide a specific reason for the cancellation. And there is no reason why I, as an ongoing customer for this company, should be subjected to such miserable customer service, the agent named XXXX excepted. 

I also tried to initiate an online chat with an agent but was told that the chat function was unavailable -- immediately after being connected with an agent. 

Here are some relevant details : - WU tracking number -- XXXX - Amount : {$100.00} - Fee : {$12.00} - Time I have spent trying to clarify and register a complaint : over XXXX hour. 
- Phone calls made by me : 3 - Chats initiated by me : 1 - Phone calls dropped by WU : 1 - Detailed explanations given by WU : None

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Experian Information Solutions Inc.
State: GA
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 account was deleted from my credit report on XX/XX/2021. Experian reinserted the account on my report without notifying me in writing 5 days prior to.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

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 2023-10-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In response to CFPB complaint # : XXXX. My name is XXXX XXXX and I am a federally protected consumer. I am once again making this complaint against TransUnion because they have continued to fail their requirements as outlined in the Fair Credit Reporting Act ( FCRA ) of providing completeness and accuracy of an item of information on my consumer file. I asked the company to supply a description of the procedures used to determine the accuracy and completeness of the information they received from the debt collector XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA, if I, the consumer, request this description of the procedures used, they are obligated to give me this information, no later than 15 days, after they have received it. They failed to provide me this information when they first received my letter on XXXX, and in my complaint made on the CFPB on XXXX. They have blatantly ignored my rights as a protected consumer to provide this information to me. I have reason to believe and do so believe that the accuracy of the 'information ' they 'verified " can no longer be verified or any notation as to disputed information because it seems that they have a hard time answering simple questions on the procedures they used to determine the accuracy and completeness. Because of this, this information needs to be deleted immediately.

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 2021-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Trans Union CRA is reporting an inquiry submitted by XXXX for dates XX/XX/2021. I did not authorize or give permission for XXXX to pull my credit for that date or any other date. Therefore, I am requesting that XXXX  to update their system reflecting this information and send to Trans Union to have this inquiry removed immediately.

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 2019-06-24
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
XXXX XX/XX/2019 {$26.00} XXXX cash rewards, Recurring charges since XXXX. I have called in over 15+ times. I have asked for someone who speaks English. I have asked for a supervisor every time. I am told customer service does this job. I call customer service, and they tell me I need to talk with Fraud. I call Fraud, and I verify myself. I explain whats going on, and I am told they can not help me. I ask for a Supervisor again, I get XXXX she has no idea whats going on, why I am calling and says she can not help me. I have been calling since XXXX. The reoccurring charge keeps happening and now there is more Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: MA
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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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