BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: FL
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:
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 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 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 non-monetary relief
Consumer complaint received 2023-01-27
Company: MORGAN STANLEY & CO. LLC
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to transfer my money out of my savings account from eTrade/Morgan Stanley . Every time I try to transfer money out of the savings account they flag it for fraudulent abuse. Every time I have to call in to verify that I am actually myself in order to transfer my money from my account and every time the verification process gets more and more ridiculous. I have to had to take pictures of my id and upload them using their app on 3 different occasions. The time before last they required a picture of a handwritten statement that they dictated to me on the phone to write. The last time they demanded another picture of my driver 's license and called not one but two other of my financial institutions ( XXXX XXXX XXXX XXXX and XXXX ) to cross reference my financial activity and verify my identity then they demanded a picture of my social security card. And no reasonable person carries their social security on them at work during working hours I couldn't meet their demands to re-re-re-re-verify my identity to them. They told me to upload the picture when I could.

Etrade/Morgan Stanley has now locked me out of all the accounts I hold with them and I have made multiple hour-long phone calls waiting to speak to a human to check the upload section of my account profile. They are not picking up their phones. They have essentially locked my money in their bank and now refusing to open the doors to let me make a withdrawal, which if you gave me your personal money to hold and I refused to give back when you requested it and demanded you jump through a bunch of hoops and then cover my eyes and ears and pretended to ignore you. You'd call the cops and they'd arrest me for the theft. And as far as I can tell you guys are the people I file a report with about a bank refusing to give me my money that I had in a savings account with them. 
P.S. I have typed out and filled out this whole report while on hold with their automated phone services waiting over an hour to speak with a nonexistent human.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: BARCLAYS BANK DELAWARE
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a JetBlue XXXX issued through Barclays. 

Recently, a judge ordered all of my bank accounts frozen due to divorce proceedings except for one account in the USA. I live in XXXX XXXX. My lawyer advised me not to use that bank account because we couldn't understand how a judge could freeze my accounts and he thought that it could be frozen too. 

Normally I do an automated payment but with my accounts frozen other than an account in the USA that my attorney told me not to use, I had to pay by other means and writing a check was not possible so a friend wrote a personal check to pay my account balance of {$460.00} for my XX/XX/2022 credit card statement. 

He wrote the check on XX/XX/2022. I wrote the credit card statement number : XXXX on the front of the check and mailed in the payment coupon along with my friend 's personal check. I have copies of the check and his account statement proving it was cashed by Barclays on XX/XX/2022. 

Unfortunately, this amount was never credited to my account and with the due date fast approaching I decided to take a chance and deposit money to my account in the USA and pay the {$460.00} through an electronic transfer. Although the balance has been paid twice, I have only received credit once. Barclays has never credited my account for the personal check from a friend and continues to waste my time and not resolve the matter. 

Over a month ago I called them and was told to write a letter. That seems silly because we know they cashed the check and have my money but have not credited it to my account. I asked for a supervisor and he told me he would initiate a claim and to call back in a week for the case number. At the time he also gave me an email address for their Resolution Department. When I called back the representative told me a supervisor would call me back. Two days later I received a call and was told a claim was never initiated. Once again I was told to write a letter and she said they'd write me back, but with some arm twisting, I was able to obtain an email address and she did initiate a claim while I was on hold. The supervisor found in their system the first email I sent them and verifed that it included scanned attachments of both the cashed check and my friend 's bank statement proving it had been cashed on XX/XX/2022. 

Barclays ' case ID # is XXXX. I have sent XXXX emails to : XXXX. So far they have ignored my claim. This seems strange but the fact that they have a specific department for these issues leads me to believe the problem may be systemic. 

I am shocked by their conduct in the matter.

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 2023-07-10
Company: EQUIFAX, 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:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have new and updated information regarding my previous complaint XXXX. Synchrony Bank alleged in its response that my application for a TJX Rewards credit card was made in store however, the attached email states that I initiated the consumer credit transaction online and on a different date than what Synchrony Bank stated in their response.

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 2022-05-31
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: Account information incorrect

Complaint:
XXXX XXXX XXXX about removing late payments they reported on my account due to me having to support a family member who passed away from COVID-19. I received a letter saying they would remove the information from my consumer reports but has yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: FL
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/2022 XXXX XXXX XXXX XXXX agent to XXXX XXXX XXXX filed a complaint for the reason being that a cease and desist was sent on 3 different occasions, and WELLS FARGO AUTO disregarded the notice .They continue to harassing me with debt collection notices to my home address. This has been consistent since cease and desist was received. They threathened me verbally, and in written communication form title 15 usc 1692 c ( c ). The letter stated they would try to reposses if they didnt receive a payment. They have indeed received a 1099A, 1099OID, 1096, 1040, 1040V and a money order with the outstanding principals balance. As they were the borrower and i was the lender who opened up the account with my cestu que trust by my private account number. Banks cant give credit nor any loans according to title 12 Us 1431. If they dont respond to the payment, nor did they send the payment back if they dishonored the 1099A and money order, UCC 3- 603. The payment has been tendered without recourse. A 1099 C cancelation of debt has been to the CEO of wells fargo also along with form 56. They received the forms on XX/XX/2022. Within 10 days they have to respond with a confirmation they recieved full principals balance, as i gave authorization to send written notice ONLY FOR THE PURPOSE OF SAID DOCUMENTS received. Also they are still harassing me through communicating with me through mail when in the cease and desist title 15usc 1692 c I stated not to contact me through phone, mail, or email without consent. Please pay the invoice for the violation. This complaint has nothing to do with FRAUD, so please stop violation me by being false and misleading. This will all be used as documentary material.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$380.00} XXXX  XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX According 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 2022-02-11
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:
I pulled my credit report due to me getting notices that my social security and some of my accounts had been attached to a data breach. I notices some accounts that I was not aware of and unusually increase and charges on other accounts on my report. Disputing thru the credit bureau and company regarding inaccurate accounts and requested validation and verification of debts. Credit bureaus never provided, I requested accounts to be REMOVE AND DELETE from my reports but the account is still reporting and investigation was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: NC
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 misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. 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 2023-05-31
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX this is on my credit report for XXXX this is not my account reporting on XX/XX/2023 Hunter Warfield inc this is not on my credit report for XXXX this is not my account reporting XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was reviewing my credit report and noticed so items reported on my credit report. I noticed the listed debts below on Transunion, XXXX and XXXX ). I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. I have made several attempts to send validation of these debt. I have still not received with 30 days of any proof of this debt. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Transunion XXXX XXXX XXXX {$1600.00} ( XXXX  XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX-Account number XXXX XXXX XXXX XXXX-Account number XXXX XXXX XXXX XXXX- {$1600.00} XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$350.00} XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-23
Company: Exeter Finance Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Exeter finance has been threatened me with lawyers and call plenty of times to get resolve this a fraudently account they opend more then XXXX account in my name non consent withought my persmission now I work to get them off two credit agency so the are still trynabreport to equifax illegally and and open a nother account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Santander Consumer USA they call every day leaving voicemail. They called XX/XX/2022 to contact the servicing center.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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 XXXX XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-10-06
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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