BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-14
Company: Experian Information Solutions Inc.
State: OH
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 no knowledge or records of the listed account XXXX # XXXX, XXXX XXXX XXXX Please advise me as to the name and address ( es ) of the medical provider, the date ( s ) and type ( s ) of service, and to whom the service ( s ) was ( were ) provided, as any account ( s ) I might have had may be obsolete.

If you can obtain this information, I also would need the name of the medical sales providing this proof and claim, how was the information was received so I can prepare a legal remedy ( law suit ). This is potentially a servious HIPPA violation.

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 2022-12-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have had a bank account with Wells Fargo for the past 9 years. I recently had a client of mine send some money approximately {$52000.00} dollars to my account from XXXX for diesel generators and after trying to withdraw the money from a local branch wells fargo closed the account. I immediately spoke to my client and informed her that since I can't physically get the money out she will need to have her bank retract the swift transfer. She did so immediately and wells Fargo replied her bank in XXXX stating that I need to authorize the return of the money and that they tried to contact me to do this but I was unreachable which is COMPLETELY FALSE. They have never tried to reach me. They only sent a generic mail about closing my account. Nothing else! After freezing my account wells fargo wants to hold on to the money that isn't theirs! I want them to urgently return the money back as it belongs to a small business owner! I will be filing more reports with other agencies including CFPB today as they seem to do this often. I have read many stories of how often they do this on reddit and I have a full idea of where to report them. Attached is the response from the sending bank XXXX ( In Spanish ) after talking to wells fargo on swift. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Attached to this report is the email the bank sent to my client after talking to wells fargo. Its in XXXX and it says wells fargo " tried to reach me ''. I am giving my 100 % authorization now for the money to be returned

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 2022-12-28
Company: Lendbuzz Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I bought a used car and got loan fraud. 
On XX/XX/XXXX, I bought a used XXXX XXXX XXXX at a used car dealer called XXXX XXXX. The address of this dealership is : XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX. The actual company name is : XXXX XXXX XXXX XXXX, Company Number : XXXX. 

The owner who bought the car was XXXX XXXX ( XXXX ) XXXX, ( XXXX ) XXXX. He agreed that the total price including tax would be US {$16000.00}. He persuaded me to lend me US {$10000.00} at the car dealership, and the loan fee was US {$1000.00}. The other {$6500.00} is composed of {$4300.00} in discounted old cars ( a XXXX XXXX was also bought at the XXXX XXXX in XXXX for {$4800.00} ), {$1700.00} in bank transfers, and {$500.00} in cash ). All the procedures of the loan were handled through the first-stop second-hand car dealer, who asked me for a California driver 's license XXXX a XXXX passport, a US visa, and a US bank address certificate XXXX On XX/XX/XXXX, I saw the email from the loan bank I received on XX/XX/XXXX. The loan bank is Lendbuzz. Through the translation software, I know that the principal of the loan given to me by the first car dealer is {$16000.00}, and the car price is {$21000.00}, which is different from the actual car price. Huge and the loan down payment stated is {$6000.00}. I contacted XXXX XXXX immediately on the same day, but did not give me a satisfactory answer. I rushed to the second-hand car dealer at the first stop on the XXXX, but I didn't get an answer about the car price. I found the loan bank Lendbuzz, on XX/XX/XXXX, the loan customer service XXXX ( XXXX ) XXXX gave me the answer that the car purchase contract with me was a car dealership located in XXXX, XXXX XXXX, Address : XXXX XXXX XXXX, XXXX, CA XXXX, Phone : ( XXXX ) XXXX. I haven't gone through this dealership since I bought this used car and I haven't been to XXXX. 

On XX/XX/XXXX, through verbal communication with the bank, I agreed that no repayment will be required for the time being. 

I disapprove of the {$5500.00} excess on the loan and can not afford it. I propose to return this second-hand car, terminate the total loan, and return my upfront payment of {$6000.00} ( XXXX XXXX has already refunded {$400.00} in cash on XX/XX/XXXX ). 

( All the above content is translated from XXXX by 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 2022-04-20
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX DeptEDXXXX  XXXX XXXX XXXX 

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

15 U.S.C. 1681 section 602 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 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 2022-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Illegal eviction. XXXX and bank of America account freeze

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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The credit bureaus are illegally reporting inaccurate information 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 2022-04-19
Company: Experian Information Solutions Inc.
State: IN
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 disputed an address on XXXX and they claim the information is accurate although it is not.

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 2018-10-23
Company: NAVY FEDERAL CREDIT UNION
State: TX
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:
Navy Federal credit union continues to attempt to reinsert fraudulent accounts onto my consumer reports and credit files. First of all I provided Navy Federal with my Law Enforcement Identity theft affidavit that clearly and explicitly explains that I am a victim of identity theft. Furthermore my wallet was stolen and Navy Federal allowed two credit cards to be opened in my name. I never received any credit cards, nor membership information, nor anything about these accounts in the mail since my mail had been forwarded and email addresses also hacked after my wallet was stolen. I tried reporting these accounts to their security department which told me that they believe I opened these. I advised I definitely did not. I also explained I never signed any membership packet, because I never received one. I never received any of these credit cards nor did I ever sign for these. The security representative then proceeded to threaten me, threatening violence and also action against me. He told me he would come to my house, and then told me that he would burn me down to the ground that he was a law enforcement officer. I hung up, and I feel physically threatened and scared to call back. Additionally their customer service rep told me that the one account is supposed to be {$15000.00} limit and navy federal additionally falsely reported this again as a {$25000.00} limit. Again Navy Federal hasnt provided any information. I did not receive these cards, and I did not open membership with their institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently pull my credit through free annual credit and notice a few fraudulent accounts and credit inquires on my report. A few years back i lost my wallet at a party in XXXX. Back in XXXX, I call the credit bureaus to inform them about the fraudulent accounts. They told me I needed an FTC report to support my claim. I sent in the document via mail and call 2 weeks later and they told me they didn't receive anything. I am frustrated and tired because they are reporting fraudulent accounts on 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 2022-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have attempted to make credit card payments on the due date ( s ), in this particular case, XX/XX/2022. Each time a payment is made on the due date AND before the cut-off time, a system error occurs... I then immediately notify Capital One Credit Card Svc of the issue, the payment shows it was processed and received on the due date but doesn't post to my account until the next business day, causing a late day/late payment fee. Capital One has waived the late fees, but it still shows as LATE PAYMENT on my credit report. This needs to be corrected, as I have asked Capital One, but no update/correction to my credit report has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 disputed an address on XXXX and they claim the information is accurate although it is not.

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 2018-10-23
Company: EQUIFAX, INC.
State: IL
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 have two identity theft FTC case numbers XXXX and XXXX. 
I have sent Equifax original report on or around the date of XX/XX/2018 and I also sent very strong supporting documentation between the dates of XX/XX/2018 - XX/XX/2018. I know Equifax received all documentation because I sent it certified mail and USPS has confirmed its delivery. According to FCRA/ FTC a fraudulent account must be blocked in 4days by CRA XXXX Both XXXX and XXXX have blocked these accounts immediately. Equifax continues to break the rules and not abide by the rules of the U.S. government. You would think a company that leaked millions of peoples identities would have tried to fix its consumers relationship but I see there deceptive practices continue on. Remove this information immediately I have reports attached with rules of law and regulations of identity theft please review immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Company stated that it reviewed the telephone conversation with its manager, XXXX. I too have reviewed the conversation and have evidence of the company lying in an official response regarding the notification of account holders between 16 and 18 months of inactivity. In the conversation, XXXX specifically states that letters/notification were sent to account holders in this window warning them about account closure. 

A change of the Credit agreement and terms of this significance ( 31 months before closure, reduced to 16 months ) constitutes a significant change in the agreement and terms, which is required to be sent out via XXXX mail to affected consumers. Although the company may choose to close accounts at its discretion, the lack of notification, and discrimination to arbitrarily select consumers within a 2 month window to notify is a violation of the CARD act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: CIR, Law Offices
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is an unsubstantiated, alleged debt with XXXX XXXX, who has now sold/handed over my alleged debt to XXXX XXXX XXXX XXXX without any merit, verification, documentation, etc. There is no debt. I refuse a debt exists

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: OH
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. 


XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX 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 XXXX 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 2023-06-22
Company: AMERICAN EXPRESS COMPANY
State: SC
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:
I opened a new XXXX XXXX XXXX American Express credit card on XX/XX/XXXX. The credit card Account is ending in XXXX. XXXX offered a 0 % introductory APR on my initial purchase of a XXXX XXXX XXXX package that was made on XX/XX/XXXX. The 0 % APR offer expires in XXXX, XXXX. On XX/XX/XXXX, I was billed the annual fee for the new card of {$250.00}. I was fully aware of this fee. This was not a purchase, but a fee for using the card. 

Since the fee was billed after the promotional purchase, I am being billed a monthly interest charge on the {$250.00} annual fee. This interest charge was not disclosed by XXXX or by American Express at the time the application was submitted. The only way to avoid paying interest on the annual fee is to pay off the initial purchase of the vacation package. In essence, this completely nullifies the 0 % interest offer. This is misleading by American Express and XXXX. 

I feel that this monthly interest charge is fraudulent and that American Express should credit my account for all interest charges related to the annual fee. 

On my billing statement, American Express is calling the charge " XXXX XXXX on XXXX ''. My complaint is that the fee is NOT a purchase, but a fee that they impose on card users. Therefore, I should not be charged interest every month, until the initial purchase is paid off. My initial payment was for {$260.00} on XX/XX/XXXX which does cover the annual fee. 

I have been charged {$12.00} in interest since XXXX, XXXX. 

I have contacted American Express ( XXXX ) on XX/XX/XXXX and spoke with XXXX. He opened a case # XXXX. I did not hear back from them. I called them again on XX/XX/XXXX and spoke with XXXX. She told me that the case is closed and we have to pay the interest. Those are the rules. I asked to speak to a supervisor, but the supervisor was " busy ''. XXXX finally issued me credit for 1 month ( {$3.00} ), but was not clear on whether all interest charges would be waived. 

My issue is that I should not be charged interest on the annual fee, since it is not a purchase. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-20
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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 55 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: IN
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 have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd 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 accounts 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, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$26000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief