BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-06
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Applied for a loan with One Main for XXXX. Vehicle needed to be used for XXXX as collateral. The vehicle is sitting at a dealer since XXXX because it is not drivable. Explained to One Main and we paid XXXX to switch collateral to another vehicle and the other title would be sent to us to give to the dealer to sell. We have not received our title as of today XXXX. We called the XXXX and was told a lien is on both vehicles. I have contacted One Main with no success. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions 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:
My name is XXXX XXXX this XXXX is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2021-01-05
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX Phone : XXXX APPLICATION : XXXX TO WHOM THIS MAY CONCERN, RECENTLY I SUBMITTED AN ONLINE APPLICATION FOR A CREDIT CARD DUE TO SEVERE FINANCIAL HARDSHIP. ONLY TO BE DENIED ACCESS TO MY OWN CREDIT AS A CITIZEN, WHICH IS A FRAUDULENT BREACH OF FIDUCIARY DUTY.

I BELIEVE I WAS DENIED DUE TO DISCRIMINATION AGAINST ME FOR BEING A ( XXXX ) XXXX XXXX XXXX WHO HAPPENS TO BE OF XXXX XXXX 

WELLS FARGO IS CURRENTLY IN VIOLATION OF THE EQUAL CREDIT OPPORTUNITY ACT AND CONSUMER CREDIT PROTECTION ACT. 

NOTHING LESS THAN FULL REMEDY OF THIS MATTER WILL SUFFICE. 

FAILURE TO RESPOND WITHIN XXXX BUSINESS DAYS, WILL CREATE IMMEDIATE LEGAL ACTION.

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 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$5900.00}, {$620.00}, {$1100.00}, {$1000.00}, {$2400.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$6900.00} -This is not my account.

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 2023-06-06
Company: Experian Information Solutions 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 accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 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 2021-01-05
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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-03-01
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX  Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a consumer credit card with Wells Fargo. In the XX/XX/2020 credit card statement Wells Fargo sent me, it include one page with two of checks on it saying 0 % Promotional APR for 15 months with a fee of 4 %. ( see attachment Wells Fargo Promo ) I used one of the checks ( # XXXX see attachment hu check ) and deposited {$11000.00} to my checking account at XXXX. 

On my XX/XX/2020 Wells Fargo credit card statement, I found out they did not honor that 0 % promotion balance transfer offer ( see attachment for XX/XX/2020 statement ). I was charged {$100.00} interest. They are charging me 15.49 % interest on the {$11000.00}. 

I called Wells Fargo three times, the first 2 times representatives told me I used a cash advance check. But even in the credit card statement they sent me the balance is in balance transfer category. And on the check that I used, it says Balance Transfer Promotion not valid after XX/XX/2020. They told me to wait because they need to ask their supervisor. The last time I called Wells Fargo, the representative hanged up the phone.

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 2023-06-06
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX Phone number ( XXXX ) XXXX Inappropriate use of credit report, request for credit report. Information obtained illegitimately.

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 2021-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed a complaint back in XXXX of 2020 against a company called XXXX XXXX for taking unauthorized payments out of my account. I requested for my cancellation of membership with this company in XXXX, XXXX and XXXX, yet they continued to take money out of my account for leads. When I originally filed the complaint with Bank of America a credit was given to me until the investigation was complete. During this time XXXX XXXX continued to take money out of the account even thought I requested for the unauthorized payments to be stopped from this particular institution. The credited amount was then reversed because Bank of America stated that the company said I was still a member. I was not and have the supporting documents to prove so. When it was time for me to submit the documents that supported my claim I was no longer able to access my account due to other fraudulent activity on the account. Since then none of the money was able to be refunded back to my account.

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 2019-02-12
Company: Experian Information Solutions Inc.
State: LA
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 filed a identity theft, report # XXXX  and did a certified mailing to XXXX, XXXX  and Experian. The following items are still showing on my credit report : XXXX XXXX, for {$15000.00} XXXX ( auto loan ) and XXXX XXXX for $ XXXX balance ( credit card ). I also have hard inquires remaining on my credit report. Originally there was 31 inquires and now 9 still remain. ( which are not my inquires and are unauthorized, either verbally or in writing. These inquires are as follows : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX an

d ( 2 ) XXXX XXXX. The FCRA, clearly states that, if I am a victim of identity theft and file the proper report and submit the documentation to the credit ( which I filed the report on a Federal level and will attach a copy of the certified report ). The credit bureaus have 5 business days to remove these items, from my credit file, per the FCRA and it has been two months and the credit bureaus have yet to remove these items as well as these unauthorized inquires. I have submitted two identity theft report, with various items as the items
became known to me and have yet to have these last items addressed. I have been shopping for a home and these items are causing me financial harm, as I am unable to receive a home loan as long as these items remain on m, y credit report.

In addition, I have a credit account from XXXX XXXX XXXX, which was reported to XXXX and as of this date, They have yet to reflect the credit account 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 2018-01-03
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hi, i did a wire SEPA transfer on XX/XX/XXXX of a sum of XXXX Euros into my Coinbase wallet and im still waiting for my money, talked with the costumer support few times, i have provided all information i have been asked and im still waiting. 

They claim that the reason why i havent receive my funds is because i need to verify my ID, by XX/XX/XXXX my identity was still verified, now i have changed my phone number and im trying to verify my id but their verifiying ID app isnt working at all. 

Thank you in advance XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: TX
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information that is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX Inquiry : XX/XX/2023. 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-01-05
Company: SYNCHRONY FINANCIAL
State: DE
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: Investigation took more than 30 days

Complaint:
Ive filled out a dispute in regard to incorrect items on my credit report. Its been over 30 days and I havent received any investigation results.

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 2021-06-11
Company: BBVA FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had a bank account with Simple Bank which was under the parent company of BBVA USA. I had good luck with Simple for years but it was recently closed by BBVA prior to XXXX acquiring BBVA. This acquisition has been a total disaster for those with Simple accounts. During the transition from Simple to BBVA Simple account holders were unable to access their accounts for multiple days. After that was fixed, Simple account owners ( now BBVA account holders ) were unable to transfer money out of their accounts to external banks and that continues to be the issue. The acquisition of BBVA to XXXX has been completed, but BBVA account holders are in a weird limbo where the only way they will allow us to close our accounts is if we get a notarized letter and fax it to some random fax number with all of our personal and banking information ( unclear if there's any sort of security around this, they said there was but could not elaborate ) and wait 2-3 weeks for a cashiers check. I have also been told that I can transfer {$5000.00} per MONTH out of the bank, but that there will be a fee anywhere between $ XXXX {$50.00} dollars. This bank is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX Account # 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

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 2021-01-04
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, During the call with CSR on XX/XX/2020, I received the promotional offer that awarded {$95.00} statement credit and XXXX Thank You points after spending {$1000.00} per month for 3 months. I completed the terms of the offer but have not received the bonus. 

I called the customer service again to inquire why I have not received the bonus and was told that due to their system processing the offer the qualification " month '' started on the XXXX of the month. It turned out, my monthly spend in the " month '' of XXXX was {$960.00} XXXX {$35.00} short of {$1000.00} required ) because I made {$310.00} in purchases on XX/XX/XXXX that were counted for the previous qualification " month ''. 

I was never told during the initial call on XX/XX/XXXX that the qualification month actually starts on the XXXX day of the month, not the day of offer acceptance. I was never send the offer terms in writing with the specific qualification requirement spelled out. There was no way to confirm the terms of the offer ( or check the progress ) in my online banking account. I believe this is done by design to confuse and disqualify customers for the bonus. 

Therefore, I believe Citibank practices related to this offer are an example of clear misrepresentation of the offer terms and request that my account be credited {$95.00} per offer that I orally accepted during the XX/XX/2020 phone call with Citi customer service.

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 2023-10-19
Company: EQUIFAX, INC.
State: TX
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:
Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief