BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This complaint is about Wells Fargo. 
I have been using the Wells Fargo bill pay for close to 20 years and periodically had trouble but nothing like today When I tried to send a check to a friend who had advanced deposit money for a hotel that had been booked by the friend for me and my wife I received a form notice numerous times when I tried to submit the transaction The notice stated that the transaction could not be completed and I should call the stated number in the notice that appeared on my computer screen. 

I called and spent a total of 3 hours among various WF personnel who kept advising me that I had to go to a branch office to remedy the problem. 
NEVER in all the time I was on the phone trying to find out what was going on with MY MONEY that WF held did anyone say anything other than this is a random hold on your account and you must go to the branch office to speak with a person at the branch When I placed a call to the branch the officer at the branch said I must bring a tablet or a lap top into the branch so that whatever was going on that prevented me from accessing my own money could be dealt with. 
When I protested and said I insisted the branch office person get in contact with a superior and find out how I could access my money and call me back before I spent another 3 hours trying to access my own money and perhaps having to go to the nonsensical trouble of going to the branch office with MY DEVICE the branch person said they would try. 

15 minutes later the branch person called me and said he had spoken to a superior and that person told him that the bill pay is " down all over the country '' and they expect it up late to day or tomorrow I SPENT 3 HOURS of my time before I was finally told this is a WF problem and had nothing to do with my security which had been the WF position until I became adamant ONLY A BANKING ORGANIZATION THAT IS WITHOUT ANY CUSTOMER RESPONSIBILITY WOULD BEHAVE IN THIS NEGLIGENT AND RECKLESS MANNER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2017 XXXX XXXXXXXX Balance : {$0.00} SXXXX XXXXXXXX Balance : {$7900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 
Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX Bank # XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX 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.

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 reporting 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 of has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: SYNCHRONY FINANCIAL
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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXXCredit Bureau : XXXX XXXX XXXX  XXXX, XXXX XXXX , FL XXXX XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. 
I contacted { XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report.

I request that you investigate the [ XXXX XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter, { XXXX XXXX } 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.

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. 

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was looking over my credit report, and In accordance with the Fair Credit Reporting Act the Accounts listed below are in violation of my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Incorrect Accounts : XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXXXXXX XXXX XXXXXXXX Acct # XXXX, XXXX XXXX  Acct # XXXX ( XXXX ), XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX  Acct # 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 an account without my written instructions. 15 U.S.C. 1681a-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. 15 U.S.C. 1692d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2023-04-21
Company: CAINE & WEINER COMPANY, 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:
This Account does not belong to me. 
Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$320.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX afternoon, My name is XXXX XXXX XXXX XXXX, Re : Removal Request for Inaccurate Information from Credit Report Dear Sir/Madam , I am writing to request the immediate removal of inaccurate information from my credit report. According to my recent credit report, there is an erroneous entry regarding this act of Identity theft. 

XXXX let me thank you for the opportunity to explain my horror story. I was a victim of a car jacking/robbery where my Identity was stolen and used by a thief by the name of XXXX XXXX XXXX The criminal used my ID to purchase high end items and an apartment and was living in it. The Felon is a XXXX Light Skinned XXXX American with gray facial hair, I am a XXXX XXXX XXXX XXXX with no facial hair. The low life that has made my life a living XXXX was actually arrested and apprehended in the apartment that was fruduently leased in my name. I work for the United States XXXX XXXX XXXX and if you look at my credit report this is the only thing keeping me from living my life. XXXX has deleted it already ( Please refer to attachment ) XXXX is in its last steps of deleting it ( Please refer to attachment ), and XXXX has now filed a Fraud Case and should be deleting it shortly. 

I have carefully reviewed my credit report and found that this information is incorrect. I have never had any association with the account mentioned above, and I have never been delinquent on any payment to any creditor. Therefore, I request that you remove this information from my credit report as soon as possible. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information in my credit report. As per 15 U.S. Code 1681b, I am requesting that you take immediate action to correct this erroneous entry and send me a written confirmation of the removal of the information from my credit report. 
Please be advised that failure to comply with my request within the stipulated time frame will result in legal action against your company. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Auto Credit of Southern Ilinois
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Yes XXXX XXXX I sent in that I had lost my bi weekly paying job and I sent in that I had a back up job that paid once a month but a smaller pay. I brought everything in to there XXXX office on foot after they shut the car down several times and even used my daughters childsupport payments to pay till I could find another job also. XXXX XXXX XXXX  XXXX finance promise to work with me over and over. They have shut my car down multiple times I have missed out on high paying jobs cause no reliable transportation. My daughter is XXXX XXXX so she hasnt been able to get back and forth to school either due to our transportation being shut on and off. They are threaten repossession and garnishing my wages. The XXXXXXXX XXXX XXXX value of the car has already been paid off on the car which is the value of XXXX. They have turned off the car even before the actual payment date we arranged. They also stole off my credit card that I did not authorize payment on I had made a report to mt XXXX IL police department. They also have several policys on our agreement one papers stating 44 payments and several others stating 88 payments which is illegal for any dealer ship to go over 72 payments. I am filing this complaint because the state needs to be aware of the illegal activities they are doing to not only me but several others. They also called me lazy and told me I need to find a job theres no excuse knowing theres covid shut down still going on in IL and after they shut my car down purposely the next day when I told them I had a job interview. Now they are harassing me after I asked to speak with XXXX XXXX the head supervisor they refused several times but I was wrote a letter by XXXX XXXX XXXX that he will repossessed my car and garnish my wages and sue me after being decline to speak with him several times about a better payment plan till I can get another job. When they stole off my credit card they forge my signature on a paper with my credit card numbers I never signed off on I just only did one time payment with the card online. Thank you in advance for taking you time to read this please contact me as soon as possible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: AC AutoPay LLC, Denver, CO Branch
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/XXXX I received communication from XXXX, from AutoPay.com about the loan request I submitted. I gave him the information he needed ( license, mileage, etc ) and he ran really fast through what needed to happen. He stated all the " add-ons '' that they offer, and that he'll get back to me once he gets approval to discuss my options. He was in constant communication with me, asking if I had time to talk via text. If I texted him, he responded shortly after. There was never any real delay in our conversation. 

He told me I was approved. Once he emailed me the terms and details, he very quickly contacted me again. I looked over the email he sent. It had every single thing added onto it that he could have added on. None of these were discussed with me. I told him I wanted nothing extra and I only wanted to refinance what I currently owe to my bank. He sounded frustrated and said he'll have to have the contract re-drawn. Something that wouldn't have had to happen if he had ever asked me what I wanted to add on if anything. But he clearly didn't care about that, he just wanted a commission, because that phone call was the last I ever heard from him. I sent him two texts and an e-mail since then. It's been 8 days since I've heard from him so far. 

The fact that he rushed through everything and was extremely communicative and " friendly '' up until he saw I wasn't going to just sign the documents without reading them, shows he was being fraudulent. 

I recently got a letter in the mail saying I wasn't actually approved, yet a contract was drawn up, with the amount and monthly payments that I only had to sign to begin? This is straight-up fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In according to the Fair Credit Reporting Act XXXX act account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXXXXXX XXXX XXXX account XXXX has also. 

XXXXXXXX XXXX account number XXXX has also violated my rghts XXXX XXXX XXXX XXXXXXXX account number XXXX has alo violated my rights XXXX XXXX account number XXXX has also. 

Departmnet of Edu Account XXXX XXXX XXXX XXXX has alot the account number is XXXX XXXX USC 1681 States I have the right to privacy.

15 USC 1681 Section 602A It also states a consumer Reporting Agency can not furnish an account with out written instruction.

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 2023-02-18
Company: Experian Information Solutions Inc.
State: AL
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:
Reporting creditor XXXX XXXX XXXX is a fraudulent account reporting on my Experian credit report. The original creditor shows as XXXX  XXXX XXXX, I have never lived at this address. The collection account was opened XXXX XXXX, I have no knowledge of this account and I contacted the original creditor and Experian credit bureau in numerous occasions yet they have failed to removed fraudulent activity from my account. I have filed a police report and have provided proof to both XXXX XXXX XXXX and Experian yet they neglect to fix an issue that has caused financial hardship.

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 2023-02-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, this is in reference to a private student loan that I cosigned for my son. I went to XXXXXXXX XXXX ( the company that services the loan is called XXXX XXXX ). 

at the time I asked for the payments to be automatically taken from my XXXX  checking account ( this did not happen ). 
When I realized that i was not making payments I called XXXX and made the payments over the phone with a debit card ( i have 4 separate loans ) this was in XXXX of 2022 I received a phone call from XXXX XXXX  collections telling me that 1 of the loans was still behind and going into default I immediately called XXXX and spoke to a representative who told me that the funds were misapplied ( an overpayment to 1 loan an no payment to 1 loan ). He told me he would adjust it and i was current. XXXX records these phone calls they are on record In XXXX I was informed that the loan was in default After countless phone calls and emails I spoke with a representative who helped me, she found the mistake made on XXXX behalf and helped me return the loan into repayment status. In the meantime from XXXX there are derogatory and delinquent account notices with XXXX and Experian that remain on my sons and my credit reports. I have politely been asking for these items to be removed because the misapplied payment was a mistake by 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