BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: IL
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. 

Account name : XXXX XXXX  # XXXX, Account name : 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 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 2023-11-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
XXXX XXXX XXXX it was I reached out to XXXX XXXX to purchase a new vehicle my husband and I drove out of our way to make this purchase. We walked away with a new vehicle then a few days later Im getting notifications back to back from my XXXX app that someone was trying to gain access to my credit profile only it was locked but they were able to obtain both XXXX  and equifax profiles. I look and see that XXXX XXXX  XXXX, Ga had used my ssn for over 10 different banks to get access to a loan none of which I gave permission for or did XXXX  mention this. This is unfair and disrespectful I would like all inquiries removed. The dates for the inquiries are from XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Herbert P. Sears Co., Inc.
State: CA
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:
During a XX/XX/XXXX phone conversation, an HP Sears employee claimed that I owed {$630.00} to XXXX XXXX for XXXX services rendered in XXXX of XXXX, which is an error. Without confirming the facts, The HP Sears employee threatened me by saying that HP Sears was going to place this claimed amount for ( act # XXXX ) on my credit report and that it would reflect negatively on my credit history. 
On XXXX at XXXX XXXX, XXXX XXXX  Charged me {$630.00} for the services and this was amount was paid in full via my XXXX Credit Card ( see attached XXXX  invoice ). The attached receipt shows this charge, the payment, and a {$0.00} balance after the payment was made. I do not owe XXXX XXXX the said amount, that is an error.

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 2023-01-20
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, I mailed a Check XXXX XXXXXXXX payable to XXXX XXXX for {$4200.00} to pay an open balance. On XX/XX/2022, I was on my XXXX XXXX website & I noticed that the {$4200.00} balance was still open & that the check was not posted. I then went on my TD Bank checking account website & saw that check was cashed on XX/XX/2022. The endorsement on the back was someone forging my name and then signing some name under that who was obviously an unauthorized signer. There was no mention mention of XXXX XXXX even though the check was payable to XXXX XXXX. I immediately notified the TD Bank Fraud Department and they took my information & froze my account. They sent me to their local branch the next day to fill out an Affidavit of Forgery & other TD paperwork. I even received a follow up letter from them acknowledging receipt of this paperwork. They said that it could take 90 - 120 days to resolve since they have no control of another financial institution. It turns out that XXXX XXXX Bank received the check for deposit. It is over 7 months & still no resolution. I called them back after the 90 days to follow up & they couldn't help & referred me to my local branch. I even went to local branch to follow up on XXXX XXXX & they couldn't give me an answer either. This is not right & I am getting the run-around. Can you please help? I have copies of all documentation including a copy of the cashed check if needed. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XXXXXXXX XXXX, I went to finance a auto at a dealership. I was already pre-approved from a certain lender, however, the dealership ran my application to other lenders. Bank of America Auto finance was one of them. Bank of America immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B, by denying me and further discouraging me from applying for an extension of my credit.

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 2021-04-15
Company: Coinbase, Inc.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/2021. I noticed suspicious activity on my account. I contacted Coinbase and had them temporarily disable the account. They assigned my problem as Case # XXXX and said they would investigate. Since then, my account has been dormant and they refuse to restore access to the account and restore access to my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-10
Company: Experian Information Solutions Inc.
State: DC
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 disputed the late or missed payment for the last 6 years. After reaching out against to dispute the late payment the process has taken more than 3 months to complete. After checking the error still has not been resolved.

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 2023-07-06
Company: EQUIFAX, INC.
State: LA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$11000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bank of America is reporting my mortgage as being late in XXXX and XXXX of 2020. BOA changed their mortgage system in XXXX. At that time I had cancelled an autopayment to an old account and my ex wife created a new payment plan. BOA attempted to take from both the old account and new. All the payments for the old account were returned but the payments from the new checking account went through just fine. Essentially they were trying to take double payments. 

My Ex wife has already sent them bank statements proving this. BOFA online banking also confirms that account was never late just returned payments from the old checking account. They removed the incorrect information a month ago just to report it incorrectly again. This is clearly a violation of FCRA. 

The previous dispute case with BOA was Late Payment Dispute Case # XXXX I've included the previous email to BOA including what online banking shows proving they're incorrect.

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 2022-03-03
Company: SYNCHRONY FINANCIAL
State: IA
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:
We have been charged interest on our XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX, statement even though we have paid our bills in full before the due date every time. I have called at least 6 times alerting them to this issue usually spending over an hour on the phone each time. They have verified each time that the interest charges are not legitimate. They have credited me all but the last statement in XXXX and I have called 4 times regarding this bill alone. I have asked that a supervisor call me back on at least 4 occasions, to let me know the problem is resolved, and no one has returned a call. I have alerted them on the last two calls that I have no choice but to report them as they are aware of these interest charges they are fraudulently applying to my credit card and are doing nothing to resolve the issue and that if I am experiencing this issue it is likely other card holders are too. They refuse to give me anyone 's number to call so I have to go back to XXXX one each time I call.

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 2021-10-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I got a email on my phone from Wellsfargo, the email looked suspicious so I forwarded it to Wellsfargo XXXX to report it which is attached. So, on XX/XX/2021 I received 3 notifications on my phone stating ( 1 ) Telling me I enrolled in the wireless service ( I have never done a wire transfer in my life ) ( 2 ) You added the receipant XXXX XXXX to the wire transfer ( 3 ) You sent a wire transfer to XXXX XXXX in the amount {$2800.00}. I noticed I received these notifications around XXXX XXXX. My phone records that are attached shows I contacted XXXX at XXXX @ XXXX & stayed on the phone 70 minutes telling them someone hacked my account & I did not authorize or make this wire transfer. I have 4 accounts that links together. I have the account listed as ( 1 ) XXXX  ( 2 ) XXXX, ( 3 ) XXXX  ( 4 ) XXXX  & XXXX  account. The hackers transferred all the money from 3 accounts into the XXXX  & XXXX  account. Then they did a wire transfer in the amount of {$2800.00} from the husband & wife account to XXXX XXXX acct with XXXX XXXX. I have never heard of this person. The representative told me they were going to see if they could stop the transfer because the hackers had just done it at XXXX. I submitted a online claim & a wire transfer claim on XXXX Wellsfargo Fraud Department. I also filed a police report with XXXX XXXX Police in XXXX, Ga ( Case # XXXX ) Couple days later I called to check the status of my claim & they tell me they didnt try to retrieve the fund until XX/XX/2021. In my mind they gave the hackers plenty of time to get away with my money & why wasnt the wire transfer stopped in XX/XX/2021 the same day i notified you & the day it happened? So, after this I made a appointment to speak with a branch manager at Wellsfargo & when I got there they just let me spoke with someone else which all she did was called the fraud dept. & said there was nothing she could do. I To my knowledge I did everything right, but I get a letter from Wellsfargo like they blaming me & refuse to reverse the funds back to my account. I thought my money was safe & insured. I been with this bank for over 20 years & never had anything like this happen & get treated like this. I work too hard for my money for someone to hack my acct & steal it!

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 2023-08-04
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 2023-08-04
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 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-04-15
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We inquired about refinancing our home mortgage with Truist Bank aka SunTrust or BB & T who was our lender at that time. Interest rates were going down and were told it wasnt a good option for us and it might not be possible. So we worked with a different lender and refinanced lowering our interest rate by nearly two points. We closed with the new lender and the loan with Truist was paid in full and we received conformation of this via e-mail from Truist and were told it would be 7 10 days and the Escrow Balance would be processed and sent to us. Two weeks later I called after we received the monthly mortgage statement in the mail showing a XXXX balance and the escrow amount owed to us, Our Money, Not theirs. I have called their customer service line and spoken with representatives and requested a supervisor once a week for six weeks and have now been provided an escalation case number. They claim to have sent my escrow funds to me on XXXX XX/XX/2021 yet it still has not arrived and they claim they cant provide me written proof or documentation that they ever sent the check. Their current claim is that covid is slowing mail delivery and thats why my check has not arrived in the past 16 days. On Monday XXXX XX/XX/2021 I sent a check via snail mail from CA to MD and it arrived Wednesday XXXX XX/XX/2021 so this can not be true. They have now exceeded the duration to return my escrow funds to me as required by federal law as the refinance closed at XXXX XXXX XX/XX/2021. Truist Bank aka SunTrust Bank or BB & T is known and documented as being a lender that holds money owned to clients and customers so they can earn interest on those funds as long as possible and delaying the lawful return of customer and clients funds to them not only to gain the interest but to deny and prolong the time when the owner of those funds has access to them almost as a form of retaliation for changing service providers. Their actions are not only unlawful and criminal they are unethical.

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: EQUIFAX, 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Around XX/XX/2016, I deposited a check of XXXX into my Wells Fargo account and withing 24 hours the check was cleared so I assumed that everything was okay with the check. I did the money order on XX/XX/2016. I found out it was a scam after I had sent a money order out and Wells Fargo took the money out of my account when they realized the check was a scam. Wells Fargo sent a return reason as altered/fictitious on XX/XX/2016 after the check had already been deposited and cleared. It was only after the fact it was all gone did they decide to say it was fake. They did nothing to help me at all. In fact, the branch manager told me to take out a credit card to pay the balance because they would not take the loss. I tried escalating the claim several times to the higher-ups in Wells Fargo and they did nothing, but blame the XXXX year- old ( at the time of the deposit/scam ) for not knowing better. I tried for 3 months to get it resolved with them and they did absolutely nothing. A week prior to this I deposited a check from a federal bank which was immediately placed on hold and I had to show a receipt that it was legitimate. It made me extremely wary of anyone who gives a Wells Fargo check and now I always make sure if I potentially get scammed my bank will actually protect me. Because Wells Fargo did absolutely nothing to help me at all. My mom gave them the money so I could close the account. I have attached letters that I sent to the company, the company president and I post that I shared on the Wells Fargo XXXX  page.

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 2021-04-15
Company: Army and Air Force Exchange Service
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In 2018 my account was cleared in bankruptcy. Since then military star has went out of its way to post negative information on my credit report. They are reporting that it is in collections when it is not a valid debt and it is known by military star that the information that they are posting was cleared in bankruptcy. As of today the dispute came back and they are keeping the negative information saying that the account is in collections and it started after the federal bankruptcy court ruling. It has lowered my credit score even though I've never had any issues after bankruptcy.

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 2023-11-27
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief