BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: EQUIFAX, 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:
According to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 


Delete or remove XXXX XXXX XXXX XXXX XXXXXXXX, off my consumer report. 

I DID NOT GIVE INSTRUCTIONS OR CONSENT, I DO NOT WANT THIS ITEM ON MY CONSUMER REPORT! NOT HAPPY! Please respect my privacy and the laws!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: Westlake Services, LLC
State: WA
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:
In XXXX of 2021, I was told by an associate at West Lake Portfolio Management that since my car was at the end of terms, they would extend my payment as a courtesy over the next five months to pay the remaining balance of XXXX. I continued to make my payments since I was told when I extended my payment that it would just extend my loan, not that my loan would be treated as late at the end of the term. In XX/XX/2021, West Lake Portfolio Management reported my account as 30 days past due, without my knowledge. When I asked them for any documentation, they explained that they didn't have any on record. Then they backtracked and said as a courtesy and said they would put me in their payment plan, but they had already reported me as late. I have all the receipts of my payments for each month. This past due on my credit history will affect my financial health due to misinformation from their representatives and treatment of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: EQUIFAX, INC.
State: GA
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 received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We are a financial institution trying to reach HSBC in regards to a returned wire sent to HSBC on XX/XX/2021. This wire never reached the customer 's XXXX account and we have been trying to assist the customer in locating her {$47000.00} wire. We have exhausted all ways of trying to communicate with HSBC with no success. There have been countless emails, portal messages, and phone calls attempting to contact a person that would be able to assist us in locating the wire whereabouts. When we are able to speak with a representative at HSBC they informed us that it is nearly impossible to be transferred to the their wire department. When asked to speak with the HSBC supervisor they hung up on us. 

We have countless documentation on us trying to contact HSBC and have been speaking with our regulator the Federal Reserve on this very important matter. This has become detrimental to our customer. There has to be a way to communicate with HSBC by speaking with a live representative to discuss the status of the wire. 

In addition we plan on filing a complaint with the OCC as well. In order to rectify this time sensitive matter. 

Thank you for your time and consideration, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to file a complaint against [ transworld ] for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g ( b ). I believe that this creditor or collection agency has engaged in unfair and deceptive practices in their attempts to collect a debt that I dispute.

As per 15 USC 1692g ( b ), I have the right to dispute any and all alleged debts and request validation of the same. I have done so in writing to this creditor or collection agency, but they have failed to provide me with any validation of the alleged debt. Despite my repeated requests for validation, they have continued to contact me and demand payment.

Moreover, I have checked my credit report and found that the information provided by this creditor or collection agency does not match with the information provided by other credit bureaus. This has caused significant damage to my credit score and has made it difficult for me to obtain credit in the future. 

I am hereby requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against this creditor or collection agency for their violations of the FDCPA. I am also requesting that the CFPB ensure that my credit report accurately reflects my credit history and that any negative information provided by this creditor or collection agency be removed. 

Thank you for your attention to this matter. I look forward to hearing from you soon

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am a woman owned automotive repair company. I am here by myself. I hire people to work per day. For some reason, TD bank will not give my financial partner snd I separate usernames for online and we keep getting locked out of our account. One month i see a charge from XXXX XXXX. Knowing ive only uses that like once a long time ago, I call to inquire. Turns out there are many small transactions in total of 1300 dollars. I am sick to my stomach but td says they will look into it and as long as it wasnt me, everything would be fine. Fast forward a few weeks I am attempting to make a business purchase and my card is declined. They reversed the credit with no reason or letter or warning. Then the overdrafts start. i tried to call them snd go to the branch they do nothing but argue with me. Ive heard TD does not have their customers backs when they get scammed. I dont have time to chase a huge corporation like this, it isnt fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I had my wife deposit a check she was told the check would have a two day hold. 24 hours later she was called and informed that it would not be released in two days. It would be a 7 day hold. I felt like my wife was lied to. I asked for the check so I can go to the bank from where was from they said no. As a small business owner it already took me over 30 days to get the check from the company I worked for to hear my bank was holding it for another 7 was unacceptable because I needed the money released to pay for my bills.

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 2023-04-02
Company: DISCOVER BANK
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights under 15 U.S. Code 1681 section 602 which states I have the right to privacy, 15 U.S. Code 1681 section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I have disputed this several times in attempt to correct the inaccurate information that is being report, however Discover has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a call from Southwest Credit Systems in XXXX, telling me that I owed {$100.00} for a XXXX bill. I haven't had XXXX in over three years and told them I didn't owe this. Asked them to send written notification. Never received written notification. Got another call from them in XXXX saying that they were going to report me to the credit bureaus. 

I asked again for written notification. Didn't get it. On the week of XX/XX/XXXX, I saw that my credit had gone down due to a derogatory report from Southwest. 

I called them and found out that the address attached to the account was XXXX XXXX XXXX, XXXX, DE. This is not my home and I have never been there. 

I figured that this was attached to fraud I experienced in XXXX - XXXX when someone stole my social security number. They opened a XXXX XXXX Credit Card. I resolved that fraud and froze my credit accounts. I didn't know he also opened a XXXX account until this week. 

I filed a fraud report with XXXX and have not yet heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. this account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}

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 2021-12-30
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days later and I have not yet received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) of the Fair Credit Reporting Act states that a failure to investigate these items within 30 days provides a reason to immediately remove those items from my credit report it has been over 60 days as a result they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have a {$300.00} prepaid American Express card that I am unable to use. I received it from my work and they said to contact American Express directly. I have contacted American Express and they are unable to locate the card or provide the balance. They had no direction for me. 
When attempting to use at a store, the card doesn't register - as if the numbers don't work. 
When attempting to use online, the card shows invalid. I have called retailers and they are unable to process a purchase. 
The card is not expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Creative Finance, Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
A loan was taken for payment of approx XXXX a month. Since the loan was taken on the car the company has continuously claimed we owe more and more each time. Even when a payment is made for a month they still tell us we owe more money within weeks and sometimes even days. The company adds a daily interest rate to payments not agreed on the contract and has used threats of repossesijg the car without following the state laws in which to do so. We have never been late however in XXXX we were told our car had repossession orders already on it even though no papers had been served or sent and that to get out of that repossession I would have to pay another month 's payment and that then another payment eould be due within 24 hours to stop the repossession from happening. I paid almost XXXX $ in 2 days and then was told another payment would be due within 2 weeks or it would go back into repossession. Even after over XXXX in payments in 3 weeks the repo company still contacted me and stated they were coming for my car. I just paid a full month 's on time payment Wednesday and was told again I would owe another month 's payment in 13 days. When I asked how they believe they r following the states statute for repossession they claimed they own the title therefore own the car and can do what they want. The amount owed on the loan now is so high that I can't even sell, trade or use my car to get our from under the car and at this rate I will be forced to bankrupcy or homelessness if this form of collections doesn't stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: KY
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 2023-05-26
Company: EQUIFAX, INC.
State: VA
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.

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 inductions 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 2023-11-17
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XXXX XXXX I purchased and finance a Vehicle XXXX XXXX XXXX from XXXX XXXX XXXX and a week after I had to return to the dealership to advised them the vehicle was consuming a lot of air freezer and when driving it at over XXXX ml it loose potential and Check engine light was on all the time. I left it to them to fixed it and after 1 week they requested for me to pick up my vehicle that it did not have any issues. Continue with the problem and when again back to the dealer to get it fixed or to exchange for another vehicle. The Sales Manager XXXX XXXX when ahead and said to take it to the XXXX Dealer to get a Diagnostic he referred us with the XXXX XXXX in which they did a Diagnostic and after he got the repair amount he said he was not going to fixed it and told me to go back again for a second Diagnostic again he decline to pay for repairs. I then decided to take my vehicle to the dealer and told him I wanted my money back and my car payments I did for something they sold that they knew it had problems they did not even get the vehicle a full service when they sold it to me that was the XXXX Mechanic told me. Since I dropped off the vehicle on XX/XX/XXXX I have not received any call from the Dealer to resolved this problem. This people are doing bad business by selling cars that are defective with mechanical issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had five fraudulent transactions on my account in XXXX, Va. 

XXXX XXXX {$1400.00} {$1500.00} ATM withdrawal at XXXX  XXXX XXXX {$320.00} {$400.00} {$280.00} Wells Fargo has denied my claim and says the transactions were not fraudulent. I live no where close to XXXX and I have only one debit card that was in my possession. I contacted Wells Fargo immediately after it happened and told them that someone hacked my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25
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 submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2022-06-14
Company: Experian Information Solutions Inc.
State: CA
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 following accounts has violated my rights. XXXX account # XXXXXXXX XXXX XXXXXXXX XXXX  account # XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NV
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:
Last year, my employer started using HSA Bank, a division of Webster Bank, to handle and manage the XXXX debit card funds that are provided to us on a yearly basis. The funds are related to our health insurance. 

Today, XX/XX/, I received a " year-end notification '' about data sharing. I wished to opt out of the data sharing, and the only mechanism to do so provided in the notification was to call an XXXX number in the notice. I called that number, but the woman who answered wanted a long list of personal information even after providing the last four digits of my social security number, prior to proceeding. Uncomfortable with providing that information over the phone, I asked if there was another way to limit data sharing with affiliates. She told me I could do so through the online portal. I tried that, but the online portal had literally no way to limit anything. 

I understand that XXXX XXXX  makes money from selling my information. They should not, however, be making it impossible to limit the minimal categories that can be limited. Thank you.

Company response to consumer: Closed with explanation