BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: Experian Information Solutions 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:
Delete Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-01-22
Company: ROBINHOOD MARKETS INC.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have tried to call Robinhood and email them. No one answers. I want my account close and my money returned to me. It is confounding, but you can not close your account using their systems and you cant call or get a resolution via email. They ignore you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Experian Information Solutions Inc.
State: FL
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:
Experian is reporting incorrectly on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, had a credit card with XXXX XXXX. This account is being reported in error and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2021-12-16
Company: FORD MOTOR CREDIT CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I lost my job at the start of the pandemic in XXXX. I explained this ( repeatedly ) to Ford Credit that I wasnt able to make payments until I either was called back in to work or started receiving unemployment. Once I started getting unemployment I made my {$380.00} monthly payments for my car. My unemployment ran out earlier this year and I have still not been hired yet. I was unable to work during XXXX XXXX because 3 of my immediate family members contracted XXXX and I also had to homeschool my youngest son. I was and am still looking for work but havent been successful yet and have explained this to Ford. They also havent given me credit for payments I made over the summer that I emailed them proof of. Them calling me every day and leaving countless voicemails isnt going to help me get hired any faster. The harassment and threats need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Every week my credit score has been dropping in free fall XXXX or XXXX points since my federal student loan account changed from XXXX XXXX to XXXX. Ive tried contacting XXXX with no success. Im very upset. We are in the process of trying to get preapproved for a house and I have no stability as Im being penalized for this loan account being transferred and even worse its not everyone with accounts that transferred. Besides the gross negligence of this on someones perfect credit history, with knowing that its not being handled the same for everyone the obvious questions are why me and when is this going to stop? Forget getting rectified I have zero faith in that but my credit score has already dropped XXXX points in a little over a month and with no end in sight I just want to know what I can do during this extremely frustrating time. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX Please review this case. I tried to add information that this company has placed on my credit report, negative information that I had no idea about. 

They sent their request to collect their debt to someone other than myself. 
XXXX stated that her conversation, which you have taped, was sent to XXXX 's address. 
I have never lived on XXXX. 
The email address that was sent is not mine. 
I still do not have the information that the account was paid to date. 
They have not sent me a receipt either, and I have been so stressed that I am a XXXX XXXX survivor, and now I have to go back and have my mammogram redone. I finished treatment in 2017. I have not had any issues until now. I was triple negative, and there are no drugs I can take to prevent it. 
I was shocked when I found this on my credit report, which is not valid. 
I'm raising an orphan, and now my credit is ruined. 
How can someone bill you and then, when you question it, pay it and report it to the credit bureau? 
This entire action is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Accurate Financial Services
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
More than a year ago I started with the company Accurate Financial Solutions Telephone XXXX / XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX where they commit to documents sent that repair credit and negotiate with XXXX, XXXX and XXXX, within a period of 12 months or less to do This is possible, I already paid them {$5600.00} dollars in 10 months, this amount was agreed for the entire process and so far there has been no progress and they are saying that I should start after a year with another process and for which I also have to pay when they did not inform at first, I think that unfortunately I fell into a company that only seeks to defraud the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions 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 has 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 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 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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 non-monetary relief
Consumer complaint received 2022-02-15
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2016-05-25
Company: WELLS FARGO & COMPANY
State: MT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Husband and I have been attempting to clear up errors by Wells Fargo since we did a refinance in XXXX. Beyond that we have been applying for loan modification/loss mitigation with Wells Fargo since that time. Most recently Well Fargo denied our loan modification with a letter claiming our income was only {$10.00} ( an obvious error and mistake ). We appealed their decision and have not been contacted by an investigator named XXXX XXXX XXXX ( Wells Fargo Underwriting ). She was investigating and promised a response by XXXX/XXXX/XXXX but did not call until XXXX/XXXX/XXXX only to say that she/Wells Fargo needed more time. We believe there is substantial misconduct in dealing with us and the writings sent to us in contrast to what is told to us via telephone.

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 2016-09-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my mortgage to Wells Fargo on XX/XX/2016. As of today, XX/XX/2016, I have not received my escrow disbursement in the amount of {$3000.00} plus. We 're in our 3rd week now, and still waiting for our money. 
I have spoken to Wells Fargo twice, but only get the runaround : It 's been disbursed. It 's being reviewed. It was mailed on XXXX ... .around and around. Based on the fact that their CEO XXXX XXXX is in XXXX after being fined XXXX dollars, I feel compelled to complain about what appears to be a culture of corruption. And thank you Senator XXXX XXXX for this site.

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 2016-11-15
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been a customer of wells fargo/Wachovia for over 15 years and I have recently noticed many unfair practices by wells fargo. That has resulted in over {$800.00} worth of overdraft fees, in just the past 2 years as a customer. 

I have previous complained about my fees, which resulted in a {$200.00} refund of my fees, however since then this practices have not stopped. I have even since been charge additional {$100.00} in overdraft fees with the most recently being completely unfair. 

My previous complaint surfaced issues regarding Wells Fargo and their " holding '' of transactions. Wells Fargo is not ( no longer ) my main banking, so I deposit money into this account as payments post. However for the past two years ( could be longer ) I have noticed that Wells Fargo will HOLD my transaction until late in the evening. For example, my purchases would not post to my account until XXXX XXXX. Which is completely different from how XXXX XXXX XXXX and XXXX handles their checking accounts. 

Just recently on XXXX this same situation happen, I went to the ATM at XXXX deposit {$100.00} CASH to cover a - {$35.00} fee. This morning I have a overdraft fee of {$35.00}. How is this possible if cash posts same day? 

At this point I am requesting a FULL refund of my overdraft fees for two years of my 15 years of membership.

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 2020-12-23
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: Account information incorrect

Complaint:
At the end of the lease, I purchased a new car from the same dealership ( XXXX XXXX of XXXX ). They agreed and documented that they would pay any balances ( mileage and wear/tear ) on the leased vehicle I was turning in. The finance company is saying they never received payment. I provided both the Dealership and finance company with a copy of the We Owe/You Owe contract and the Deal Recap document from the dealership but the finance company says thats not enough, they want to hear directly from the dealership ... the Dealership will not return my calls anymore nor contact the finance company. The finance company has no notes stating that the dealership has tried contacting them.

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 2023-11-26
Company: EQUIFAX, INC.
State: NC
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:
NOTICE TO PRINCIPLE IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern I recently received a copy of my consumer report ( XXXX, Equifax, XXXX ) and I noticed that it is reporting my experience with your company. 



The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. 





Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSION Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) - subject to section 1681s-3 of this title, any - ( i ) reports containing information solely as to transaction or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES Transactions or experiences between the consumer and the person ( creditor name ) making reports is not to be included on my consumer report!

Utilization is an experience with the lone of credit that was extended between me, the consumer and the person ( creditor name ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC1681a 2Ai by reporting this transaction or experience ( utilization ) on consumer reports which congress clearly states IS NOT included on my CONSUMER REPORTS You have 10 calendar days to update my utilization score to 5 % or below and or delete all utilization from the below accounts XXXX  30 % XXXX XXXX  85 % XXXXXXXX XXXX  39 % XXXX % XXXXXXXX XXXX 40 % XXXX  0 % XXXX 10 % XXXX 3 % XXXX 0 % XXXX 0 % XXXXXXXX XXXX  XXXX 0 % XXXX  91 % XXXXXXXX XXXX 0 % Failure to respond satisfactory with deletion of the above utilization score, will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of character Negligent noncompliance Civil liability Mental anguish Fair credit reporting act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance 15 USC1681n

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
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:
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 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 XXXX XXXXXXXX

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 2022-01-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company has obtained my personal identification under false pretenses.This debt is damaging my credit report. Pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. These companies has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Good morning, I have opened an account at WISE, after making a deposit and sending all the receipts, they blocked or closed the account, I asked them for a refund of the money on several occasions and now the system tells me that my money has already been sent to where I indicated, I gave them a XXXX XXXX account and a XXXX account and I have not received the money, it is {$45.00}, I appreciate the collaboration in this case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
after I got an credit card my credit score was dropped by XXXX XXXX and there is no explanation as to why my credit score was dropped by these many points and also when ai am logging on to my account I feel as though I am being cyber stalked because A Calculator pops up and i don't have or have I installed a calculator app on my laptop I know that I lost my wallet but I have been experiencing this type of cyber stalking since I lost my wallet I believe that some in my neighborhood or some one with in the Navy Federal Credit union that is cyber stalking my laptop given i lost my wallet while I was at home I have been reporting this incident as much as I can even now have this cyber stalking calculator in my tool bar nowI just want to know how I can stop this cyber stalking its not safe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello, I opened an account with Ally Bank on XX/XX/2022. I later funded this account with {$80.00} from XXXX XXXX, linked the Ally account to my XXXX account, and used it one time to purchase food online. 

I got an e-mail at XXXX AM stating " Your telephone banking PIN has been changed '', despite not having made any changes to the account. I called Ally support that afternoon, and after I answered my security questions I was told that the account had been temporarily frozen and was under review. The customer service representative mentioned that it could take their team up to two weeks to investigate. 

I do not trust Ally 's ability to resolve this issue quickly, and I figured I would submit this complaint now to help expedite the issue as necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Incomm Holdings Inc.
State: NH
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I purchased a Vanilla Gift Card for {$470.00}. From XXXX on XX/XX/XXXX and the card was missing most of the card number and the strip was damaged so I could not use it. I finally was able to reach a live person on XX/XX/XXXX who said to email copy of receipt, photo of drivers license, and photo of card. I was told takes up to 30 days to get new card. So I called XX/XX/XXXX since no card came. I was told it was sent on XXXX so I should get it. Nothing. I called every week after that. Then I was told to speak to lost card department and they said on XX/XX/XXXX to email the same info I sent on XXXX XXXX Then I waited nothing. Called on XX/XX/XXXX and they said to email photos again. Now its XXXX XXXX and still nothing.

Company response to consumer: Closed with explanation