BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to file a complaint XXXX XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX, XXXX XXXX, IL XXXX, for violations of the Fair Credit Reporting Act My husband and I purchased a vehicle from XXXX XXXX XXXX, an a partner and or affiliate of XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. The term was 44 months. In XX/XX/XXXX, my husband became ill with XXXX and contacted XXXX to voluntarily surrender the vehicle due to financial hardship. XXXX instructed us to return the vehicle to XXXX XXXX XXXX, which we did. XXXX  confirmed they received the vehicle and closed our account on XX/XX/XXXX. 

Despite voluntarily surrendering the vehicle and closing the account, XXXX  reported the account as a " repossession '' on our credit reports in XX/XX/XXXX. When we disputed this with the credit bureaus, XXXX changed the report to " voluntary repossession '' but then re-reported it as " repossession. '' They have failed to provide any documentation validating this debt, as required under the FCRA. 

Most egregiously, in XX/XX/XXXX, XXXX illegally garnished my husband 's wages without any notice or judgment, in violation of debt collection and wage garnishment laws. They then returned a portion of the garnished wages without any explanation. We never received any court documents regarding a judgment for this debt, and court records show no such judgment exists. 

XXXX has violated the following laws : The FCRA, by reporting invalid repossession information, failing to conduct a reasonable investigation of our disputes, and failing to provide documentation validating the debt. 

The FDCPA, by engaging in unfair debt collection practices, failing to provide required disclosures and notices, and illegally garnishing wages without proper legal judgment. 

Other consumer protection laws regarding debt collection and wage garnishment procedures in Illinois. 

We demand that XXXX immediately remove the negative account from my credit report, provide documentation validating this debt, return any illegally garnished wages, and be held accountable for violating the law and harming consumers. Please conduct a full investigation into this complaint and take action against XXXX to stop their unlawful behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: Real Time Group, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I paid XXXX then XXXX XXXX  then gXXXX XXXX and XXXX for my second mortgage for 13 years borrowed money and paid an extra 10,000 and sent in a money gram settlement for XXXX XXXX to close and they agreed to release lien. They fraudulently did not report my payments and stole my money. They were sued and went bankrupt for not reporting payments around the same time I paid my account off. They then illegally sold my account to a debt collection company real time resolutions saying I owed almost the entire amount! They will not furnish me with any contracts and they refuse to remove the negative info from my credit report even though XXXX was found guilty and removed from my report. They are still charging fees but it says charged off years ago. They are still showing missed payments every month-they also show the terms are 17 year when it is 15 years-its also a debt collection agency and they are showing as a mortgage. They have no right to report or harass me for XXXX illegal activity. I can not sue XXXX because they are bankrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The issue is University Accounting Services XXXX UAS XXXX https XXXX XXXX  and their refusal to provide XXXX tax forms and/or help with resetting a login to access online. This results in my inability to complete our taxes since I can not access the UAS student loan XXXX tax form for the loan we paid this loan off in XXXX of XXXX. I repeatedly through XXXX tried to get into the systems and could no longer login with any combination of my son 's or my information ( they changed their systems XXXX. In XXXX repeated calls were made and waited on hold for 90+ minutes with no answer only to be hung up on at their XXXX XXXX close of business. After each UAS call hang up in XXXX repeated emails were sent and left unanswered. I need our XXXX tax forms!!! In all the emails I included our physical address change effective XX/XX/XXXX needed to be changed for our loan for tax forms.Other tax forms from ALL other service providers all arrived from XXXX but not UAS. The servicing of this loan has been a DISASTER, customer service up through XXXX was horrible and consistently laced with misinformation and now in XXXX refusing to help provide required tax forms or help correct access to their systems so customers can get them online. I need HELP to get my taxes done!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: EQUIFAX, 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:
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 Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/2021 I noticed some negative accounts reporting on my credit report. I reached out to all 3 credit bureaus XXXX, XXXX, Experian to address the matter and no one responded to me. Now as you know that violates the FCRA and I demand for them to remove these fraudulent accounts from my report immediately. I have no knowledge of any of these accounts. 
XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # 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 2021-04-04
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021, an unauthorized debit of {$290.00} was debited to my Bank of the West checking account. I didn't have any knowledge of the unauthorized debit and I didn't receive any benefit from the unauthorized debit either. So I reported it to my bank and they provided me with the provisional credit of {$290.00} to my personal checking account on XX/XX/2021. However, on XX/XX/2021, my bank notified me of the credit reversal with the conclusion that there was no error. Subsequently, on XX/XX/2021, my bank debited the provisional credit from my checking account. I completely disagree to their conclusion and I would need to get protection from the Regulation E.

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 2021-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2021 I noticed some negative accounts reporting on my credit report. I reached out to all 3 credit bureaus XXXX, Transunion, XXXX to address the matter and no one responded to me. Now as you know that violates the FCRA and I demand for them to remove these fraudulent accounts from my report immediately. I have no knowledge of any of these accounts. 
XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # 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 2021-02-05
Company: EQUIFAX, INC.
State: WI
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:
Since XX/XX/XXXX XXXXXXXX XXXX XXXX  has been reporting late payments on my credit report. Until XX/XX/XXXX they reported up to 120 days late. Suddenly in XX/XX/XXXX my payments are on time. I've never made more than my normal payments. When questioning them on these late payments they had sent me a letter for a mortgage that isn't even mine. They are reporting late payments on my mortgage from a mortgage that isn't even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, 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:
On XX/XX/XXXX, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove the following accounts : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to transfer money from my Citizens Access online savings to my XXXX Checking account through the Citizens Access bank app. After confirming the transfer there was no record of the transfer pending or completed on my account, so I attempted to process the transfer again with the same outcome, no record of the transfer being recorded. the next day I received both text and email alerts that neither transaction was able to be completed and to call and speak to a representative. 

Upon speaking to a representative, they let me know my account was under review but could not give me any information about what the review was for, when the review would be conducted or how long the review would take to be completed. I waited a day and called back to see if there was any more detail on the review. Again, the representative told me no information was available with respect to why, when or how long the review on my account would take place. I asked to speak to a manager who confirmed this same message..

I requested to simply close out my accounts. The manager told me that I could not close my accounts or access my savings balances in any way shape or form until the review of my account was completed. She told me a letter is being sent out about the review but could not tell me anything about the contents of the letter. When I asked to speak with someone in the office who manages the account review, she told me that I was not able to speak with anyone in the review office either. 

I am no longer comfortable working with Citizens Access as transparent information about the managing of my money is unavailable and access to my money has not been possible to date.

I would not recommend that other consumers use Citizen Access high yield savings. The return is not worth while if you are not able to access your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XXXX XXXX ish I was contacted by a collection company hired on behalf of USAA Federal bank trying to again collect a debt that is not mine. 

The collection agent was rude and threatened me with legal action and I want to file a formal complaint. 

1st the call-in itself was ill-legal as I already sent them a letter in writing saying to NOT call me. ( see attached letter ) 2nd using near hate language is not acceptable to any human being in really any circumstance. But I guess that the quality of help USAA hires to save a buck. some fun quotes i have on recording " you are a piece of garbage if you do not pay your debt! you are under a contractual obligation to pay '' Colorado is a 1 party consent state when it comes to phone recordings. Since I already agreed to be recorded i started recording as well. I truly want these accounts gone now at this point. USAA does not get to hide behind a 3rd party debt collections company. I will submit my story and the audio clip of XXXX sec to XXXX XXXX XX/XX/XXXX if nothing is done. I'm not rich I can't afford an attorney but I can at least bring attention to USAA shardy practices

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XXXX XX/XX/2023 I had a question for My account with Chime. I went online to locate chime customer service. As I explained my question the representative of Chime directly transferred me to a representative that would resolve my concern. After a few some time the representative exclaimed my concerns were addressed. When O checked my account after the phone call to Chime customer service my account was XXXX, {$1500.00} was removed from my account in three unauthorized transfers. I contacted the website immediately to report what happened and they hung up on me then blocked my calls. 

I found the real Chime customer service and reported what happened and I wanted to dispute the three unauthorized transfers. Chime customer service opened an investigation to credit the {$1500.00} back in my account. I emailed XXXX all evidence of the illegal transfers by the fraudulent Chime customer service website. I also provided screen shots of the fake website to assist in the investigation. Since XX/XX/2023 Chime has closed the investigation do tomorrow error made four time with me having to request reopening my case. I have asked to receive documentation on why my case was closed with no further explanation on closing my case and denying I was a victim of fraud regardless of the evidence I provided Chime customer service. 

I have asked to contact a department to complain my case was not receiving the proper investigation by Chime customer service and the representative will not provide me with a way to contact a department above customer service. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: SANTANDER HOLDINGS USA, INC.
State: GA
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:
I am a victim of identity theft I have about 8 inquiries that I don't recognize on my credit reports. 6 or 7 on XX/XX/XXXX 2 on XX/XX/XXXX and XX/XX/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 instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer 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 2023-08-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells Fargo approved provisional credit because cash app closed my account with out my knowledge I transferred my social security payment because my wells Fargo cards do not work and they won't fix it the transaction went through but I can not access my account when I sign into cash app it stated your account has been closed and returns me to lo g in I reached out to cash app the say the funds are not there I filed a claim with Wells Fargo and they provide credit now they reversed and my account is negative but I never had any access to the original ssi payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three  credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have been trying to resolve an issue with Wells Fargo regarding charges to my credit card related to unauthorized transfers resulting in fees they assessed. These transfers, which resulted in a {$12.00} charge to my credit card was not done by me. They were either done by an employee within the Wells Fargo organization or done as the result of an error on the part of Wells Fargo 's banking systems, which happens often with this financial institution. However, they are now trying to force me to be responsible for paying these unauthorized charges ( fees ) in the amount of {$12.00} which is indeed fraudulent in nature. I have spoken to several representatives since XX/XX/2019 and to no avail have not gotten any satisfaction. They actually refunded half of the fraudulent fees, but left the remaining {$12.00} charged to my card. How is it that they would refund half of the unauthorized charges/fees, but leave the other half on my card? It doesn't make sense and no one within their organization can answer that question. They refuse to allow me to dispute this charge online via my portal so as to continue to assess fees to the card because I refuse to pay their fraudulent charges. 

I never authorized Wells Fargo to use a credit card account as a line of protection for any other accounts I've had with them over the years. This was something Wells Fargo did on their own. I never gave them permission to use this card for that purpose, however, they've done it and that in itself is fraudulent. For this reason, as well as my dissatisfaction with this bank for allowing this problem to go unresolved for 3 months, and other issues, I have closed ALL of my accounts. I believe their inaction in handling this matter is retaliation for me doing so. They are a scam and defraud customers to generate fee income on their products and services. I have been trying to get this issue of {$12.00} resolved since XX/XX/2019, and yet, I get nothing but the run-around with this institution. As a consumer, I will not be forced to pay for unauthorized charges or fees to a credit card or deposit account. For a bank like Wells Fargo to continue such an issue over {$12.00} is ridiculous. I want this matter resolved so I can be done with Wells Fargo indefinitely. They are not a banking institution worthy of managing my funds or financial accounts.

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