BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Dear Team, I recently fell a bad victim of a really bad crypto scam. I lost $ XXXX in this scam and Im really devastated.

I couldnt spot the red flags because the website seemed really legitimate and I thought the person is really helping me with the real profit. It was a Ponzo scheme. Here is the link to the fake website : XXXX XXXX XXXX  My funds sent to XXXX and XXXX were part of a cryptocurrency scam.I found out I was scammed 5 days ago when I was unable to withdraw my funds. After several days of investigation, I found evidence indicating the platform is a scam, along with other victims who had similar experiences. 
I tracked the downstream wallet, which was reported multiple times for fraud. XXXX and XXXX ignored the fraud reports and did not do anything to investigate and/or freeze the fraud wallet. 

I have reached out to XXXX and XXXX for assistance but they did not claim any responsibility. I did not receive the service or protection that was promised or described by them in fact they have a big loophole that enables scam platforms to launder money and steal funds from customers. 

They are complicit in fraudulent practices and did not have any safety precautions in place to protect myself and others from similar scams. My funds sent to them from my account should be investigated and refunded from them. 
I need assistance at this difficult time. My police case is in progress as well. 

Thanks

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 2023-03-31
Company: EQUIFAX, 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:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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: 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 account # XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX XXXXDept of Ed account # : 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 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 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 2023-03-31
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:
My name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and request that I receive a free copy of my free report and all information related in this matter. 

The fraudulent accounts are as follow : 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 2023-03-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
So much XXXX and stress is what I felt when I saw my credit report upon pulling it. I was hoping to purchase a home, but I can see a lot of suspicious accounts on it and inquiries that I didn't recognize and I never authorized. I filed a police report and listed all the fraudulent accounts and inquiries on it. Kindly see the attached documents.

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 2023-03-31
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-03-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I mobile deposited a XXXX XXXX money order into my checking account in the amount of {$490.00} into my USAA checking account. Upon depositing the money order, {$200.00} was made immediately available for withdrawal. I sent the {$200.00} to a high yield savings account at another bank using XXXX. A few days later, on XX/XX/XXXX, I could not log in to my checking account. Upon checking my email, I got a message that my account was being closed, but no reason was provided, except that " USAA has decided to terminate our banking relationship with you ''. I called USAA multiple times, but they said that nothing could be done. Calling XXXX XXXX on XX/XX/XXXX confirmed that the money order had successfully cleared on XX/XX/XXXX. 

I believe the account closure was due to suspected check kiting. However, XXXX XXXX money orders are normally considered guaranteed funds, and thus the money order would not have bounced. As there was no fraud involved here, USAA had no reason to close my account. A call to USAA customer service confirmed this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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: Account information incorrect

Complaint:
I have tried relentlessly to resolve this matter with XXXX XXXX. However XXXX XXXX is refusing to report the account as settled and as of XX/XX/XXXX reporting the incorrect balance of {$5500.00} when the actual balance is {$1500.00}. This has caused irreparable harm to my credit score and is being done out of retaliation. My credit score in XXXX of XXXX declined XXXX points which caused me to be denied a business loan. I have reached out to XXXX XXXX on numerous occasions with not one response. I need help from CFPB asap. My restaurant was forced to closed due to the covid 19 pandemic in XXXX. 

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 explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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 received a copy of my credit report and I have found the following items listed below to be in error. 
XXXX XXXX -ACCT # XXXX Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave you, OR ( XXXX ) any written instruction to furnish any information on my consumer report, which is a violation of 15 USC 1681b. You have caused severe stress and anxiety due to the abusive and unfair practices mentioned above. The account listed below has a late or missed payment status that is incorrect. This account was NEVER late and should be listed as PAYS or PAID AS AGREED. Please furnish any proof of verification of this alleged late payment that you have. If no proof is attained and sent to me, please remove said late payment. 

I was never late on ( XX/XX/2022 ) on this account please update the account as Paid/Current. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and documentation proving that I am or have been late. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, 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 explanation
Consumer complaint received 2023-03-17
Company: WELLS FARGO & COMPANY
State: MN
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:
Wells Fargo has been withdrawing {$100.00} each month from my account since XX/XX/2021 under the description WELLS FARGO & CO XXXX XXXX XXXX categorized as a other insurance/financial transaction. Ive never authorized this and have no idea what it could be. When I XXXX  it it says something about the XXXX. And, while I was an employee and did participate in the XXXX, any deductions were taken out of my earnings post-tax and were noted in my payroll voucher as such. I have disputed these transactions with Wells and they are looking into it but I do want to submit this in the event that anyone else is experiencing the same thing. This company MUST BE HELD ACCOUNTABLE for all of their extremely shady business [ and employment ] practices.

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 2023-12-27
Company: SLM CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I XXXX XXXX opened 2 High-Yield Savings account XXXX XXXX XXXX XXXX XXXX  online sometime in XXXX XXXX XXXX. Upon opening the account I transferred money into the account from XXXXXXXX XXXX XXXX to fund the account.I also got a payday loan, in which they ACH deposited the loan into my account. XXXX after the deposits were made, the bank froze my account where I didn't have access to my account. I was told the account would be closed and funds would be sent back. I spoke with several customer service representatives and each time I received the run around and was told I could not get access to the account. I was then told the account was closed. I kept receiving emails about my account statement and would then call and speak with representatives in the fraud department. They assured me that the accounts were closed. After continuously receiving emails for these past 6 years about account statement, I continued to call Sallie Mae Bank and received the same response that the accounts were closed. The bank has recorded calls and notes from every phone call I have made since XXXX. I also have some phone recordings where I spoke with numerous representatives and was told my account was closed, which is was not. Lastly, on XX/XX/XXXX, I recorded a call made to Sallie Mae and spoke with XXXX and he informed me that there are 2 accounts still open. Account ending XXXX with balance of {$1000.00} and account ending XXXX with balance {$27.00}. He stated he could request the account be closed and a check would be mailed out to my address. He then called the fraud department to make sure that would be okay and he said they instructed me to send them proof of the transfer from the XXXXXXXX XXXX I then asked him to transfer me to the fraud department to get the information from them. He transferred me to the fraud department and I spoke with a representative on a recorded line. I asked her what the reason was for my account being frozen and she stated it was because it seemed like fraud. I only had 2 transactions on the account XXXX, so I didn't understand what they meant by fraud. I did not break any laws by transferring money from greendot and getting a payday loan. She stated she spoke with upper management and they said the account would remain open, but frozen. According to the law in South Carolina, a bank can only hold funds 5 years ( Escheatment ). 

I filed a complaint back in XXXX and it stated that Sallie Mae would close these accounts and send the money to the state of Michigan and I have since waited 3 years and I spoke with a representative XXXX XXXX XXXX XXXX who confirmed the accounts are still open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute the following inaccurate information against XXXX XXXX XXXX. I have leased with XXXX twice. The second lease I was eligible for early lease due to a promotional offer at the time. I started a new lease in XX/XX/2017 and was assured that since it was the beginning of my lease, my payment dates will not be affected. On my credit report they reported me for a late payment in XXXX when in fact that was inaccurate. I paid twice in XXXX and was early for XXXX payment. They had a glitch in their system and they failed to notify me. I notified Experian and filed a dispute, but unfortunately they couldnt do anything and advised me to reach out to XXXX. So I reached out to XXXX and they mentioned it was a system glitch and also mentioned I was always on time with my payments. Because my account is closed and paid I full, they can not remove the late payment on my credit report. 

Enclosed are copies of my payment history and you will see that I made two payments in XXXX and in 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 2022-11-15
Company: ALLY FINANCIAL INC.
State: CA
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 DID NOT AUTHORIZE THIS AND DO NOT HAVE CONTRACT WITH WITH ANY OF THE COMPANY LISTED BEOW. THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION THAT I ASK FOR. 

ALLY FINANCIAL Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX DELETE/REMOVE FROM MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: NY
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 am concerned about the validity and accuracy of a recent investigation, conducted by XXXX, on an accounts listed below, that is reporting on my credit report. This Account was opened without my knowledge or authorization. After being alerted of this fact, Last month, I requested an investigation because I felt this item was not being reported legally. Shortly after that, I reached out to XXXX, and a representative stated that XXXX 's investigation was complete, and the info/accounts was deemed verified. After presenting them with a up to date FTC report, and other verifying docs to my being a victim of Identity Theft, I was told to try and submit another dispute, presenting the same information. In accordance with the Fair Credit Reporting Act, the accounts listed below, have violated my rights. 15 U.S.C 1681 Section 602 A States that 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. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: AZ
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:
The credit repair companys are illegally placing False information on my credit report, thats a violation of my civil liberties, and illegal. By law law you cant report late payments on my credit report, I have had any transactions with the credit reporting agencies and that makes the disclosure of the information illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: AZ
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:
The credit repair companys are illegally placing False information on my credit report, thats a violation of my civil liberties, and illegal. By law law you cant report late payments on my credit report, I have had any transactions with the credit reporting agencies and that makes the disclosure of the information illegal

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