BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccording to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-05-06
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/21 AMEX changed the settings of my autopay to turn it off. They did not notify me of this change in the way the regularly notify me of changes in my autopay settings. On XX/XX/21 I was charged interested of {$120.00} on my account because my autopay was turned off without my knowledge and I was not sufficiently notified. 

I was send an email on XX/XX/XXXX with the title of " We were unable to complete your AutoPay payment '' and a section that said " This may affect your scheduled payments and enrollment in payment programs such as AutoPay. '' After talking with a supervisor via chat on XX/XX/21 reference of COMPLAINT CASE ( XXXX ) I was told that my autopay settings were turned off as of XX/XX/21. This was because my bank account was frozen. Once I received the email I paid immediately, but since I was never notified that my autopay settings were turned off I did not turn them on. I even chatted with a customer representative at that time and they did not notify me that my autopay settings were turned off. As a result the interest charged to me on XX/XX/21 was only as a result of AMEX changing my settings without notifying me. I gave my consent for them to take the payment by turning on autopay initially, but they are charging me interest since they decided not to remove the money from my account by turning it off and not notifying me sufficiently. 

In my chat with them on XX/XX/21 the supervisor claims that the statement in the email on XX/XX/XXXX which reads " This may affect your scheduled payments and enrollment in payment programs such as AutoPay. '' which follows the statement " Unfortunately, we weren't able to complete your scheduled AutoPay payment because your bank account information is out of date. '' was meant to serve as a notification that my autopay was turned off 5 days prior on XX/XX/21. AMEX specifically has other emails they send whenever my settings for autopay change and this is nothing like those. Also other credit card companies instantly resumed my autopay after my bank account was reconfirmed with another payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-01
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:
On XX/XX/2020 I file documentation for those inaccurate and unknown accounts that I found on my credit report. It's over 30 Days today I haven't received any response. I was a victim of Equifax Data Breach. I want all the account will removed ASAP or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-06-14
Company: Experian Information Solutions 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:
Dear Experian I am a victim of identity theft, the information listed below, which appears on my credit report, does not relate to any transactions that I have made. Im writing to dispute certain information in my file resulting from the crime. I have circled the items Im disputing on the attached copy of the report I received. Again the items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
The items are as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the items be removed to correct the information. 

ATTACHED are copies of the Police Report, FTC Report and documents to prove my Identity supporting my position. Please reinvestigate these mattters and delete the disputed items as soon as possible. 

Additionally Experian has TWO ( 2 ) public record reporting on my file that arent verified. I have personally contacted the UNITED STATES BANKRUPTCY COURT OF XXXX XXXX XXXX XXXX  via US Postal service in regards to BOTH unverified public records and the court has returned Communication stating ( The bankruptcy court is not a vendor who supplies records for any of the major credit bureaus. ) Secondly Ive contacted XXXX XXXX whom shows NO bankruptcys on my credit report. I have attached the official responses received from each party to this CFPB complaint for proof and your review purposes. 

Bankruptcy : Dismissed XXXX XXXX Bankruptcy : Dismissed XXXX XXXX FCRA 611 ( 15 U.S.C. 1681I ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Sincerely, XXXX XXXX XXXX : * Fraud Complaint with the Federal Trade Commission - # XXXX * Police Report - # XXXX * Bankruptcy Court Document * XXXX XXXX XXXX Showing removal * Copy of Credit Report * Proof of Identity - Social Security Card / Drivers license * Proof of Identity - Bank statement showing current address * FCRA 611, 15 U.S.C. 1681i

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 2023-11-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Recently a credit card payment was automatically debited from my Wells Fargo checking account as per my credit card auto pay schedule. However, I didn't have enough money in my Wells Fargo checking account, which I wasn't aware of. 

As soon as I received an email from Wells Fargo informing me of this overdraft, I moved money from a savings account into my Wells Fargo checking account to cover the amount of the overdraft. This process is instant, and the money hit my WF account within an hour after receiving notice that my account was overdrawn. 

However, Wells Fargo charged me an overdraft fee, even though their policy is a one day grace period. When I called Wells Fargo, they claimed that the overdraft fee is calculated from moment the account is overdrawn, not from the when the notification of overdraft is sent.

I think this policy is deceptive and unfair. If Wells Fargo wants to claim they give a one day grace period to put sufficient funds into the account, that period should start when the customer is informed that their account is overdrawn. It is not hard for them to automate a system to immediately email or notify me when my account is overdrawn. I do not control when bank actions, debits etc, are processed, so it's incredibly onerous to expect me or any consumer to constantly check their account to see if a transaction went through and thus there was an overdraft and the overdraft fee clock has started. This is in fact not a one day grace period and seems to be just another gotcha to collect unfair junk fees from consumers.

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 2021-12-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This is a continuation of a complaint # XXXX, The account was supposed to be closed by Wells-Fargo but today I received a statement fomr them showing that the account is still open with a zero balance. The WF account number is XXXX. Rtg # is XXXX. 

To reiterate the previous complaint, I did not open this account and did not authorize Wells-Fargo or anyone within their company to do so. I became aware of this accounts existence when WF sent a debit card to me. Since a debit card is of little use to a scammer unless some unsuspecting person deposits money in the account, I believe this is an extension of WF 's history of opening new accounts to receive bonuses even though the accounts were not authorized and the persons involved were unaware of this being done.

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 2022-06-14
Company: EQUIFAX, INC.
State: IL
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 report act XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX  XXXX XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX, and XXXX XXXX XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card on XX/XX/23 and got denied. The credit card was Apple Card. A consumer credit transaction in 15 USC 1691 defines the Equal Credit Opportunity Act. This prohibits creditors from discriminating against credit applicants. I have the right to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
ever since i opened my wells fargo checking account, money would be missing from 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 2021-12-20
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Apple Card is showing that account restricted for which I can not make any purchase. When I made a call to them they just said under review and no more info can be provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: OneMain Finance Corporation
State: IA
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:
I found 2 hard inquires on my report and one main financial refuses to take them off! I called and spoke to XXXX from One Main Financial and he couldnt find any full applications. Another person told me different information! I think they cant get their stories straight!! NO WHERE did it say it would be a hard inquiry and I will upload a picture that shows that! 
I also contacted XXXX today on XX/XX/XXXX. They kept hanging up on me and transferring me to different departments, and no one would help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I, consumer XXXX XXXX send XXXX XXXX XXXX a cease and desist letter on XX/XX/2021 via certified mail with return receipt with the following tracking number XXXX. The letter was sent to Credit Collection Services to stop the actual infringement of my intellectual property rights and federally protected rights pursuant to FDCPA. The letter also stated my remedies and demanding that the activity stop. I entered into a consumer credit transaction with XXXX XXXX. XXXX sent a statement to Credit Collection Services, a XXXX XXXX debt collector, a collection agency, to illegally collect an alleged debt. I consumer XXXX XXXX did not enter into a contract with Credit Collection Services, therefore I do not owe this alleged debt. On XX/XX/2021, when Credit Collection Services contacted me without my permission, I demanded they send me a debt validation letter pursuant to 15USC1692g ( a ). Credit Collection Services failed to send a letter pursuant to 15USC1692g ( a ), thus preventing me from being able to exercise my rights to validate this alleged debt. They instead sent me a last statement and a letter with abusive language.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern, I dispute your claim and request validation under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide a breakdown of fees, including how YOU calculated what YOU claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my email and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, 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 2021-12-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputes with XXXX about the information on my credit from XXXX XXXX. As stated before I called and requested the service be turned off it was never done but they continued to bill meXXXX has left this on my credit report and has damaged my credit. XXXX XXXX  has been sued by the FTC along with law enforcement agencies from at least 6 states. The XXXX has received XXXX complaints in the last 3 years and XXXX in the last 12 months for the same issue I have complained about.and yet XXXX still has yet to act on my complaint. XXXX XXXX has a XXXX rating. I have disputes with Equifax about the information on my credit from XXXX XXXX. As stated before I called and requested the service be turned off it was never done but they continued to bill me.XXXX has left this on my credit report and has damaged my credit. XXXX XXXXXXXX has been sued by the FTC along with law enforcement agencies from at least 6 states. The XXXX  has received XXXX complaints in the last 3 years and XXXX in the last 12 months for the same issue I have complained about.and yet Equifax still has yet to act on my complaint. XXXX XXXX has a F rating .I did pay the bill after being harassed while my son was in the hospital for a XXXX XXXX I was told that once I paid the bill it would be deleted from my account by XXXX XXXX representative that was never done. This should have been deleted off my credit when I disputed it. The two credit did not investigate this complaint seriously if they had they would have seen the XXXX warning that included this statement On XX/XX/2019 and XX/XX/2019, XXXX  attempted to contact XXXX XXXX XXXX regarding a high volume and pattern of serious complaints. XXXX  received complaints in the alleging customer service issues, missing appointments, decline in services previously handled by other providers who XXXX has assumed, billing issues including additional service charges for periods once the consumer has cancelled services.which was my main complaint that I called and asked for the service to stopped and it was never done and they continued to bill me. No one was in the home at the time we were in another state for my sons XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: SANTANDER HOLDINGS USA, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My identity was stole and account was hacked didnt have access to my funds to pay any of my bill I notified Chrysler capital and they still reported my payment late to the credit bureau after I explained I was a victim of identity theft back in XXXX of 2022

Company response to consumer: Closed with explanation