BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-03
Company: WELLS FARGO & COMPANY
State: AR
Product: Credit 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:
This case has been taking almost a year. I suffered from an ID theft in XX/XX/2023. I discovered this by one of my financial institution 's notification. Altogether three of my accounts were affected : XXXX credit card, XXXX  account, Wells Fargo credit card. I'm filing this complaint against Wells Fargo. With the other two institutions, the matter was cleared within a month. With WF, they are still sending me the bill that I do not owe. Within the 1st week of the incident, I filed a police report, FTC report, and placed security freeze with the 3 major credit bureaus. All of these docs can be submitted upon request. 

With WF ( and the other two institutions ), I filed the fraud form identifying the fraud transactions and paying off the valid transactions. Nevertheless, they say that the account was opened by myself initially and therefore I'm responsible for all those fraud charges. I do not know what to say to this logic. I repeatedly requested that the account must be permanently closed, which they didn't to my very surprise. 

In XXXX last year they sent me a resolution letter. However, a few weeks later they sent another letter that there is a remaining balance. The balance was due to the transactions that took place after XX/XX/XXXX when I completely stopped using any credit/debit card. ( Even as of today, the security freeze is in effect and I don't have any card. ) I received another decision letter on XXXX last year that was in my favor. To my surprise, on XX/XX/XXXX they sent me another letter that I still owe the balance. There must be something very wrong with their system. 

I'm starting to take legal action and this is my first step. I'm doing my research to take additional actions, including small claims court and/or consultation of a lawyer. I wouldn't normally consider the last option since the amount debated is around {$2700.00}. The lawyer fee will easily exceed it. However, XXXX found that I was affected by their data breach incident several years back. I believe that I can secure the funds for the suit from them. 

I was WF 's 30 year mortgage customer and paid it off in 11 years XXXX last year. There was not a single late payment but this is how they treat their " valued '' customers. My credit score was XXXX before the incident but now XXXX, mainly because WF 's wrong 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 2024-01-02
Company: U.S. BANCORP
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX I WAS APPROVED FOR A UNITED COMMUNITY BANK ( XXXX XXXX CREDIT CARD FOR XXXX INTEREST TO TRANSFER A BALANCE. 
I HAD XXXX TRANSFERRED. 
RIGHT AWAY I PAID DOWN THE BALANCE TO XXXX AND WHEN THEY REPORTED XX/XX/XXXX IT WAS THE SAME XXXX THEN WHEN I DISUPUTED IT WITH XXXX CREDIT BUREAU. XXXX XXXX AT XXXX TOLD ME ON XX/XX/XXXX XXXX SAID IT WAS CORRECT. 
THEY DON'T EVEN TAKE THE TIME TO VERIFY CORRECT INFO OR WANT THE BALANCE TO REMAIN HIGHER FOR GREATER FEE OPPORTUNITY. 

PLEASE HAVE THEM REPORT CORRECTLY. THANKS. 
ITS BEEN OVER 3 MONTHS, IT NEEDS TO BE UPDATED MONTHLY. 
I WILL BE WATCHING.

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 2023-12-03
Company: Bridgecrest Acceptance Corporation
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I bought a car through XXXX/bridgecrest. During that time in XXXX the motor blew up and I did pay for the warranty. XXXX XXXX failed to act on said warranty and I turned in the car. Since XXXX to now, XXXX/bridgcrest has posted and keep changing my closed date on the loan. And keep changing it from voluntary to in repossession. Every other month. Thus bringing my score down each time. I have reached out with no results. Im at a loss of what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill in my minor childs name that was placed into collections with PLUSFOUR INC. when I inquired about why I received a bill in my minors name and the fact that I dispute this since all co-pays were either paid or taken care of by free visits with my insurance and that Ive never received a previous bill I should not be in collections. The woman helping me advised that she would not send the notes that Im also disputing this only send back that it was billed in a minors name. I advised again that this is unacceptable and I also want it disputed as theres no reason for it to go back just to come back to them and then be disputed again and she still refused to add the notes that I was disputing it. 

I also advised her it is illegal to send a collections note to a minor and that if she did not send my notes that Im also disputing this that I would be filing this complaint. If they are true collectors it is their responsibility to ensure that they are not collecting on a minor or the wrong person. They did not practice due diligence and Sent a collections notice in a minors name, and Me as her parent requested that they also dispute it she continued to refuse until I became frustrated and she decided to hang up on me for using the word XXXX and raising my voice. This is unacceptable and this business needs to be looked into as I dont believe they are following laws. 

I have attached a copy of the collection notice in my XXXX-year-old daughters name she is clearly a minor shes not even close to being XXXX years old where this could be a small mistake shes XXXX  years away from being XXXX years old.

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 2021-05-28
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  - CARD SERVICE on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX XXXX XXXX on XXXXReported Identity Theft ) 10. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX on XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of this fraudulent XXXX XXXX Account. I have no liability for this account and I demand that XXXX XXXX stop trying to collect a so called debt that was not created by me. I was served by a sheriff for a debt that is not mine. Weltman, Weinberg & Reis CO., L.P.A is the law-firm that submitted the documents that was served to me on behalf of XXXX XXXX. This account is not mine and if all illegal debt collection practices does not cease immediately I will seek remedies immediately. My consumer rights under the Fair Debt Collection Privacy Act is being violated. I also submitted an identity theft report with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: Southwest Credit Systems, L.P.
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:
There is a collection account added to all 3 credit bureaus for an account I have no idea about. I have never received in letters or phone calls pertaining to this fraudulent account. It appeared on my credit reports XX/XX/2021. It says this SouthWest Credit System, collection account for XXXX XXXX XXXX was opened on XX/XX/2021. They are requesting a total of {$400.00} that I have no idea about. Again I have never opened account with this company nor do I owe them any amount of money. I don't have any bills or documentation from either of these company 's. I was never notified or contacted in any kind of way. I need to see dates, addresses, a record of all billing and my signature of signing an agreement or contract for XXXX XXXX XXXX. This fraudulent account is damaging all 3 of my credit reports and scores. I would like for this to be investigated and removed immediately. SouthWest can't just go around putting false information in collections on my credit reports when I have never even heard of them. 
XXXX XXXX XXXX doesn't even exist and hasn't been around in years. How do I owe a company I have never had service with or that is no longer in business. 
I can not upload any documentation because I have never received anything in writing, no phone calls or via email from XXXX XXXX XXXX or SouthWest Credit System.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I filed a dispute with Equifax regarding a collection account that suddenly appeared on my credit report. I notified Equifax that XXXX XXXX XXXX XXXX XXXXXXXX XXXX randomly put this account on my credit report without notifying me of the account. I never once received a bill from XXXX or any other communication. I explained to Equifax that I called XXXX and they stated they had a previous address on record. I informed Equifax that XXXX, the holder of the debt, has my most recent address, which has been my address since XX/XX/XXXX. Equifax 's response to my dispute was only that the account was mine. 

The problem is, Equifax does not advocate for the consumer. There is no way a collection firm should be able to put negative information on someone's credit file without showing due diligence to recover the debt. There was no effort on the part of XXXX. XXXX previously placed the debt with the XXXX XXXX XXXX XXXX XXXX XXXX registered as XXXX XXXX. I arranged bill payments directly to XXXX XXXX. After several payments I was informed that XXXX XXXX no longer had the account. I had to have my credit union stop payment on 8 checks that had already been sent to XXXX XXXX and cancel the direct payment. 

When Equifax refused to remove the collection account I set up bill payments to XXXX, I have since received a letter from XXXX along with a check stating they do not have my account. At a minimum Equifax should have removed the item and informed XXXX that they had to make an attempt to resolve the matter without putting the derogatory information on my credit report. All of this time the item has been on my credit and I can not seem to get anyone to take my payments. 

I continue to file complaints about the credit bureaus. The credit bureaus are for profit and that is in direct conflict with the decisions they make when making decisions about a consumer 's credit. They are essentially working for big institutions. They pedal credit cards for banking institutions and other products. The credit rating system is corrupt and it can adversely impact people 's lives greatly. It affects where they live, work and what they can purchase. Credit impacts whether or not a person can get life insurance. That much power should not be allowed without strict regulation. They should not be able to work for those entities holding debt. It is just being bullied and ganged up on. There is nothing fair or just about the credit bureaus. Why is there such a high burden on the consumer to disprove the information on the credit report and no burden placed on the company? The credit bureau merely asks the question and whatever they are told that is the end of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions 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 taken aback of the situation. I've submitted this complaint 4 times & CFPB & EXPERIAN are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm fed up with it. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN with an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of XXXX XXXX XXXX XXXX It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again ... Thanks 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 2021-06-19
Company: EQUIFAX, INC.
State: VA
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:
I am sending this CFPB complaint because I am very unhappy that Equifax, XXXX & XXXX  are reporting information on my consumer report that I did not give them permission to report. Thats the first violation of my consumer protection laws. The next violation is FCRA 15 USC 1681 states the consumer reports can NOT include any of the following Credit transactions arising from my credit card. My credit card is my social security card according to 15 USC 1681a ( 2 ) ( B ). The definition of a credit card under 15 USC 1681 means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card. The credit card is my social security card. I used this credit card to originate every consumer credit transaction listed on these letters. 
I am the original creditor due to the fact that I extended the credit to the corporation. The corporations can NOT validate or verify any accounts because they are not a natural person. I demand that you delete all the accounts I have listed on the letter or I will be filing for litigation!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: VT
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:
XXXX XXXX XXXX DENIED my request to change my payment due date to the XXXX of the month for more than a year ago. Thus, access my bank account 2 times per month on the XXXX of each month and then REPORTING to the credit bureaus INCORRECT INFORMATION about my payments. I should be compensated for this inconvenience because the INCORRECT INFORMATION has affected my credit score as well. 
I also would like to QUESTION the APR because I was given an APR of 16 %. While my white counterpart who 1 a man and the second a woman with the same credit score got a LOWER APR. 
I will like to get REASON ( S ) why my APR was so high when I have a SSD check yearly statement as proof of my INCOME, lived at the same RENTAL since 2014, paid all my utilities gas, water, heat, cable and electric bills as well. One the the white person who received a LOWER APR WAS HOMELESS AND THE OTHER HAD A CREDIT SCORE OF XXXX I believe that I received a HIGHER CREDIT SCORE as per a NORM for XXXX and XXXX people who are doing business with 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 2021-06-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery has been attempting to contact me at XXXX. The previous individual who had this number apparently had significant student loan debt, and I am called daily regarding this. After answering a call, I asked to be removed from their calling list and am still being called daily. 

I have no debt and a clean credit record ; there is no reason why they should be calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681 section 602, establishes the importance of consumer reporting agencies like XXXX, TransUnion, and XXXX conducting their substantial responsibilities with fairness, impartiality, and respect for consumer privacy. Under 15 USC 6801, it is mandated that financial institutions maintain an ongoing duty to honor customer privacy and secure sensitive personal information. As such, XXXX XXXX, categorized as a financial institution, is bound by these provisions. Specifically, 15 USC 1681 section 604 allows consumer reports to be furnished solely with the consumer 's written permission. However, I have not provided XXXX XXXX or the mentioned consumer reporting agencies with my consent, in any form, to share my information. Furthermore, under 15 USC 6802, a financial institution is prohibited from disclosing personal information to unrelated third parties without informing the consumer of their right to prevent such disclosure. I was not made aware of this right by XXXXXXXX XXXX Moreover, 15 USC 1681C ( a ) ( 5 ) restricts consumer reporting agencies from including certain negative information older than seven years in their reports. Any reporting of such outdated adverse information by these agencies without my consent is a violation of the FCRA. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the dissemination of information by any entity if there is knowledge or reasonable belief that the information is incorrect. Consumer reporting agencies are required by 15 U.S. Code 1681e to establish adequate procedures to prevent violations of section 1681c and ensure that consumer reports are only used for authorized purposes. Failure to maintain these procedures by XXXX, Transunion and XXXX would be non-compliant with the FCRA. Lastly, as per 12 CFR 1016.7, I am entitled to opt out of such reporting services at any time, which I am hereby exercising.

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