BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Georgia XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent Correction Required : Addressing FCRA Violations in Credit Report Dear Equifax, I am writing urgently to address glaring inconsistencies discovered in my credit report, directly violating the guidelines set forth in the Fair Credit Reporting Act ( FCRA ). Recent findings have revealed multiple errors within my credit profile, indicating a troubling disregard for FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a critical federal statute governing the collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and dissemination of a consumer 's credit data, prioritizing transparent information sharing with consumers. 

Instances of FCRA violations identified include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information based on name or social security number similarities. 
Agencies neglecting prescribed protocols for handling disputes. 
My rights under the Fair Credit Reporting Act encompass : The right to verify the accuracy of my report, especially for employment purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
The ability to dispute and demand bureaus rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items flagrantly breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused considerable distress, as evidenced by my recent denial for extended credita direct consequence of errors originating from your agency. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 

XXXX. I was never late on this account. Equifax already removed all the late payments on this account. 
XXXX Account Number : XXXX I demand XXXX and XXXX remove late payments on this account I expect expedited action to rectify these violations within the mandated timeframe set by the FCRA. Failure to comply will regrettably leave me no choice but to pursue legal action to ensure my rights under the FCRA are duly honored. 

Sincerely, XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-10-25
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am writing to formally file a complaint against US Bank, pertaining to their handling of my fraud claim, which I submitted on or around XX/XX/2023. The details of the situation are as follows : Fraud Claim Submission : On XX/XX/2023, I submitted a fraud claim amounting to over {$4000.00}, related to charges made on my lost/stolen card. 

US Banks Response : On XX/XX/2023, US Bank denied my fraud claim without requesting any supporting information or providing an explanation or evidence for their decision. 

Phone Conversation with " XXXX '' : Following the denial, I received a call from a representative named " XXXX '' on XX/XX/2023, from phone number XXXX. During the conversation, XXXX was rude and unhelpful, threatening to close the claim and treating me as if I were responsible for the charges. She informed me that their official policy required a police report for transactions above a certain amount. 

Submission of Police Report : In response to XXXX 's instructions, I promptly submitted a police report via fax on XX/XX/2023, to the number she provided. 

Lack of Communication : Despite my attempts to communicate with XXXX, my calls have gone unanswered, suggesting a lack of willingness to resolve the matter. 

I strongly believe that US Bank 's treatment of my case has been discriminatory and in violation of their own policies. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly. 

I appreciate your prompt attention to this matter and look forward to a swift and just resolution.

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 2023-05-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have banked with Wells Fargo over a year now and Im constantly being charged bogus overdraft fees after I even opted out of overdraft. Pending deposits and withdraws that cause my account to overdraft. I even had an issue where Wells Fargo approved payday to be received two days early and when it showed my available balance I payed bills and Wells Fargo overdrafted my account. Their excuse was they have been having that issue and even though it shows the money was there it wasnt. And there wasnt anything they could do to give my money back. I am fed up I have lost too much at their hands.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/ I requested a number of inquiries that were not authorized by myself and have recollection of to be removed from my credit profile and TransUnion and XXXX have not been able to provide proof of validity nor have they removed it.

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 2022-05-19
Company: EQUIFAX, INC.
State: MA
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 XXXX Account # XXXX, has violated my rights. 

15 USC1681 Section602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reportingagency annot furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TD BANK US HOLDING COMPANY
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not give my consent for them to report late payments to the credit bureaus. My privacy was also violated by them reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2023, I opened a credit card as a promotional offer for new purchases at 0 % interest in conjunction with purchasing a timeshare interest through XXXX XXXX. The American Express card being offer was co-branded with XXXX. After the intial " purchase '' balance was set ( $ XXXX on XX/XX/2023 ), there was a subsequent {$250.00} charge on XX/XX/2023 for the annual membership fee. There was billing for a minimum payment being due each month - charged in the amount of {$840.00}. It wasn't clear based on the promotional materials that any minimum monthly charge would be required, but I paid it to avoid any negative consequences. It was also surprising on the first bill that there was a {$5.00} interest charge despite the promotion indicating there was no interest to be charged. Since the amount seemed small and I was very busy at the time, I paid the interest. 

For the second statement in XXXX, the interest charge was {$5.00}. I then called American Express to inquire why there was interest when their promotional materials ( and the contract ) indicated zero interest for this. The representative told me they were charging interest for the annual membership fee. I asked how we could avoid this going forward and they indicated that by advancing a payment of {$250.00} this would clear all future interest charges. I questioned whether interest could be charged on fee, but since the amount was minimal, again, I paid the total of {$250.00} plus the {$570.00} monthly payment. 

For the third statement in XX/XX/2023 another interest charge appeared, this one being {$5.00}. I called and launched a dispute. The customer service representative couldn't help me, only informed me that I should follow up with them and mentioned that their systems were not able to separately track payment down of specific balances so there was a possibility that these interest charges would continue to appear for the life of the account until I pay it off. In XXXX I paid the {$810.00} payment and noticed a new interest charge for {$6.00}. They reversed this charge. But they also increased my total outstanding principal balance. 

I question the accounting on this entire credit account, am fearful they are charging illegal interest on fees and that this entire promotional offer program wasn't rolled out with the proper underlying technology to manage the accounting. 

It might only be {$23.00} in interest for 2023 charged on my account, but if there was a review of this program across their entire customer base, I wouldn't be surprised if these amounts were much larger in the aggregate. AMEX seemed unwilling to really address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: CITIBANK, N.A.
State: MD
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:
My identity was fraudulently used to change my address on my Sears master card. I have a fraud alert on my credit report and a statement to call me BEFORE ISSUING CREDIT. Sears changed my address on my credit card, mailed a new credit card to a Florida address, and THEN called to ask if I had changed it. By the time they called the thief/thieves had charged over seven thousand dollars on my card. Sears is not holding me responsible for that and said they would send me a new card with a new number. I got the new card yesterday and was unable to activate it, because the thief called Sears, reported the card lost, and UNBELIEVABLY Sears sent them a new card to a different Florida address WITHOUT CALLING ME TO VERIFY whether I had made the change. I found this out when I talked to customer service to activate the card they sent me. Sears has reported the first Florida address and the {$7400.00} plus to the credit bureau, even though they know it is fraudulent. I do not live in Florida. I closed my account with Sears yesterday.

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 2023-01-24
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: MD
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 XXXX has a loan listed on my credit reports with Experian and XXXX ( and possibly XXXX ), but I never took out this loan. I spoke with a call center rep on XX/XX/22, and she confirmed I do not have an account. This loan should be removed from my credit reports.

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 2021-10-15
Company: Experian Information Solutions Inc.
State: PA
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 noticed fraudulent and inaccurate information on my report. Please delete and update 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 explanation
Consumer complaint received 2021-06-03
Company: BMW Financial Services NA, LLC
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. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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:
I submitted a letter to the 3 Credit Bureaus 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 XXXX XXXX Balance : {$38000.00}

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 2023-01-28
Company: JPMORGAN CHASE & CO.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted by a person identifying themselves as an employee of XXXX ( XXXX XXXX XXXX ) on XXXX/XXXX/2023, advising they needed me to be at my home to be served with documents for a XXXX on my residence. I requested further information and was given a case # and a toll free telephone # XXXX, as I advised I knew nothing about such action. In the 20 minutes after I spoke with XXXX, they called my neighbor, my son, my home phone, my office phone, and my employer, advising I needed to make myself available for service. I called the number given to get more information. That subject advised he worked for the Law Firm of XXXX XXXX XXXX, and that I owed XXXX XXXX of Delaware {$22000.00}. I advised him I had no such account. He then said it was Chase Bank, I advised I had no Chase Credit Cards. He then told me they were coming to my work to serve me with a garnishment. When I advised him I knew that was false, as there was no Warrant in Debt or judgement against me, he became verbally abusive. I hung up at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I obtained this vehicle loan through WellsFargoDealerServices In XX/XX/XXXX. I've never missed a payment until XX/XX/XXXX. I've always made monthly payments- and as I was experiencing hardship ( job switching and car breaking down ) and called in to see what my options were, they said to either pay up or I would lose my car and get it reported to the bureas. 

As I was making a job switch, they vehicle was having problems and I couldn't even operate the vehicle. Tried to make arrangements with them but they refused to listen or come to any agreements or terms. I couldn't get to work with my faulty ( found out it was a recall ) and lost my new job. WFDS didn't care about my situation at all, all they cared for was their money, them being a lien on my vehicle, and the profit they've made on the interest rate I've paid them for nearly 2 years. 

After they repo-d the vehicle, they refuse to disclose me with the true amount of how much they sold it for. They refuse to disclose information on how much is REALLY left, after any and all GAP/WARRANTY was refunded back into the loan to decrease the amount. All they did was charged it off and kept on telling me to call back to find out the actuall amount due after " EVERYTHING '' goes through. I believe I'm a victim of WFDS not following proper procedures and treating consumers unfairly.

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 2022-05-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX  AND SELECT PORTFOLIO CLOSED MY COMPLAINT- SENT ME ALETTER THEY ARE FORECLOSING ON A HOME -I WAS NOT IN DEFAULT- THEY REFUSED PAYMENT AND RECENTLY FOUND LOTS OF TITLE FLIPPINF AND MY PROPERTY WAS DESTROYED. XXXX XXXX IN LEIU OF FORECLOSURE OFFERE TO A NON, MORTGAGE - AND LIKE TO BE FREE FROM THE HARM AND THREATS- AS THEY HELPED EX-WIFE WITH A BANKRUPSY? AND NOW WANT TO DOUBLE DIP THIS TITLE INTREST, XXXX XXXX- NAMED XXXX TITLE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. XXXX, Trans Union, and XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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