BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I wrote a check from my business account ( XXXX XXXX XXXX  XXXX XXXX ) to a company/vendor for the amount of {$1600.00} and dropped the check in a secured official USPS post office mailbox on XX/XX/2023 ; on the morning of XX/XX/2023, I received a notice from Wells Fargo ( my bank of XXXX years ) that the check had cleared for {$11000.00}, overdrawing my account by {$450.00}, yet showing it still cleared/ paid by my bank. I immediately went online to pull up a copy of the check and saw that it had been clearly forged ( company name crossed out, name of " XXXX XXXX '' added, " XXXX '' changed to " XXXX '' in the amount, written line clearly showing " XXXX '' was written over " XXXX '' ). I called my bank immediately to let them know the check had been forged, that I did not authorize that amount and did not know the endorser, and asked that they stop payment on the check. I was told that a stop payment could not be issued as the money had already been released and that I needed to file a fraud claim and that it would take up to 10 business days to resolve the claim. It has been over 10 business days and nobody has called me ; my branch manager requested a provisional credit to my account and stated that it was denied by the home office due to the amount of the fraud. I received an email from Wells Fargo on Thursday, XX/XX/XXXX stating that their goal is to provide a resolution on or before XX/XX/2023 ; meanwhile I am unable to operate my business or pay my bills since XX/XX/XXXX due to the {$11000.00} that Wells Fargo allowed to clear my account, even though it was an obvious forgery.

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 2021-04-16
Company: EQUIFAX, INC.
State: SC
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/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax XXXX XXXX and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
In XXXX of 2022 I made a monthly Payment to my PayPal world Mastercard ( Synchrony Bank ). They Payment was in the Amount of $ XXXX The Payment did not go threw due to insuffent funds in the account. when I became aware of the problem I transfered the money from my other checking account into the correct account. 
I then resubmitted my monthly Payment to Paypal World Mastercard. The Payment was Made for the full monthly statement and Paid Ontime. 
I have then been receiving letters from XXXX Bank stating that They received the Payment that day but the Payment was Returned to my Bank. XXXX XXXX XXXX XXXX XXXX ) And I Still owe the $ XXXX I have contacted PayPal multiple times reguarding the problem. They say the Payment went through fine. 
I Have contacted my Bank Multiple times reguarding the problem, They say the Payment went through fine and was NOT Returned like Synchrony Bank is Saying. I have had the Bank Provide me with emails/ Letters Showing the Succesfull Payment with all information needed and requested From Sychrony Bank to Locate the Payment and I still end up with another Letter from XXXX stating that they have not got the Payment. 
I have Contacted Synchrony Bank countless times On the Phone ( 16+ HRS ), Mail, Their Online Chat Center, and Message center on the PayPal website which keeps track of the Messages. I have opened many Cases with them to resolve the issue And I am Getting no where with them. 
This has been Going on for 11 Months. I do Not miss any Payments and I hold an XXXX Credit Score. I am at my whits end so I finally contacted a Laywer friend for advice and Was refered to The AG office. 
PLEASE PLEASE Help me out with this if you can. 

The Business 's customer service responded multiple times on the phone that their was a Problem on their end and they could see all the Information I had Provided was correct and I was all set and squared away. they said it may take a few days or a week to show on my online statement the corrections.

As time went by I had to contact them again because the Problem still existed and was informed over again that I had not made my Payment. 
I received a letter after every case I have opened with them stating the same thing.

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 2019-08-06
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following companies XXXX, XXXX, XXXX, XXXX, XXXX were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: NY
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 Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information or 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 or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2023-11-21
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX one time pay as well as auto pay charged me XXXX twice I did not authorize this, and Im simply requesting a refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: NY
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:
In order to REMIND the Experian and XXXX Credit Bureaus that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Experian and XXXX BUREAUS MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-03-16
Company: Experian Information Solutions Inc.
State: AK
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:
We were on a cares act COVID19 forebearance. When it came time to go into repayment, XXXX XXXX mistakenly ( purposefully? ) put our loan into foreclosure status and processed a traditional loan modification which should have never been the case, as we were eligible from the beginning for a COVID19 repayment modification which just tacks on the missed payments to the end of the loan. This action significantly negatively impacted my credit report. I was also forced to provide several personal documents to the mortgage company including my bank statements, paychecks, and a complete hardship explanation which I believe is illegal for them to ask for. We repeatedly received threatening statements that we were due to pay the entire balance of the forbearance payments by XXXX which should have NEVER been the case.

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 2019-11-10
Company: EQUIFAX, INC.
State: GA
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:
Equifax has been reporting inaccurate items on my credit report related to account items listed here : XXXX/XXXX ACCOUNT NUMBER XXXX XXXX  XXXX XXXX  XXXX I have requested on numerous occasions to remove this item and to provide the original documentation as to how they have verified this item and they have failed to do so. I also included an identity theft report related to this item and they are willfully in-compliant. 

Please have this items removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
On XX/XX/XXXX, XXXX XXXX reported my auto loan as being in a charged off status to the credit bureaus! When in fact my account is and was current and actually due for the XX/XX/XXXX payment at that time. I called XXXX right away when my mortgage company advised me of this on XX/XX/XXXX. The representative opened a claim for me, stated they fixed the error and that this was their mistake. Today, XX/XX/XXXX myself and my mortgage representative called to see if we could get a letter of resolve and the representative told us that they had no record of my call and no claim was ever filed! We were then transferred to a supervisor. At this point the supervisor stated that the account was current and they would start a dispute with the credit bureaus to fix this but it would take up to 45 days to be corrected. I told them that I was set to close on XX/XX/XXXX and that this was not acceptable, especially since this was their error. She stated that they could not provide any type of letter confirming the mistake and that the account was not charged off and current. This is going to cost me my home and my deposit if I do not have this corrected by the XX/XX/XXXX ( 24 hours prior to closing ). The builder stated I would be in breach of my contract. I am only in breach because of this horrible error that XXXX has made and will not fix promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
Dear American Express Customer Service, I am writing to address a matter of profound concern regarding an unauthorized credit application submitted in my name. According to recent correspondence, I applied for the XXXX XXXX XXXX XXXX on XX/XX/, and subsequently received notice of the application 's decline. This letter serves as my second complaint following my initial report filed with the Consumer Financial Protection Bureau ( CFPB ). 

Upon thorough review, I wish to emphasize that I did not authorize the credit application in question. I am deeply committed to maintaining financial responsibility and ensuring the accuracy and integrity of my credit profile. In this instance, I have become a victim of fraudulent activity, as I did not submit the application, and this is a mistake that requires urgent rectification. 

The reason for my filing a report with the Consumer Financial Protection Bureau ( CFPB ) is to bring this matter to their attention. This marks my second CFPB report on this issue, and respectfully, I anticipate it will be the final one. 

I am reaching out to you as an initial step in resolving this matter. Recognizing that errors can occur, I believe that through collaborative efforts, we can promptly correct this discrepancy. I kindly request that you conduct a thorough investigation, considering the steps I have taken to dispute the unauthorized application. Under the Fair Credit Reporting Act ( FCRA ), I am protected against inaccuracies on my credit report, and I trust that American Express will adhere to the legal provisions in addressing this issue. 

Your prompt attention to this matter is crucial in preserving the accuracy of my credit history. I request the resolution to include the removal of the unauthorized hard inquiry on my credit report, as this was not initiated by me. 

I appreciate your understanding and cooperation in resolving this issue promptly. I look forward to a timely and positive resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: Experian Information Solutions 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:
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 Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-01-24
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:
CFPB + TransUnion XXXX XXXX  XXXX, Sometime on XX/XX/2023 or XX/XX/2023 TransUnion removed me as an authorized user, on a XXXX Credit card, I was an authorized user on. 

I called into TransUnion several times on XX/XX/2023 - In dispute resolution I spoke with XXXX XXXX XXXXXXXX XXXX - In dispute resolution I spoke with XXXXXXXX XXXX XXXX XXXX - In dispute resolution I spoke with XXXXXXXX XXXX XXXX XXXX No one could help me at dispute resolution at all. 

- In special handling I spoke with XXXXXXXX XXXX XXXX XXXX who could not help me. 

- In special handling at XXXXXXXX XXXX I spoke with XXXX- with file # XXXX - who told me to call XXXX credit cards to have them do a " reinsertion '' for me as an authorized user back onto the credit card specifically for the credit reports. 

- The person who's card I am an authorized user on, XXXX XXXX, called XXXX, spoke with XXXXXXXX XXXX XXXX XXXX, and she reinserted me as an authorized user. 

I am asking for this to be handled immediately as TransUnion mistakenly removed me as an authorized user - they claimed I disputed being an authorized user on the account ( posted on CFPB # XXXX ) - which I did NOT dispute being an authorized user on the account - TransUnion simply did not report all payments on the account correctly and I asked them to do so. 

Attached to this complaint are : - My drivers License - My social security card - My mailing address - My credit report section on XX/XX/2023 that showed the XXXX card I was an authorized user on with account number

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2020 I received a PIN number for a Credit Card from CitiBank that I did not apply for. I called the number ( XXXX ) on the letter and was jerked around for over an hour trying to get some one to help me. Finally after talking to a half dozen people, was told by a woman said she could find my name in their system but no other information and that i should call the Federal Trade Commission as this seems to be a common problem. I Tried but it was closed. Tried to use the FTC website and it sent me a link for this site.

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 2023-11-22
Company: EQUIFAX, INC.
State: MO
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:
Consumer Financial Protection Bureau Federal Trade Commission ( FTC ) Subject : Formal Complaint Against Equifax and Employee - Reference Equifax Confirmation # XXXX Dear CFPB and FTC, I am writing to formally lodge a complaint against Equifax and one of its representatives, XXXX XXXX ( ID # XXXX ), based on a disconcerting interaction that took place on XX/XX/2023. During this conversation, XXXX XXXX informed me that Equifax does not investigate Consumer Financial Protection Bureau ( CFPB ) reports, emphasizing that only Federal Trade Commission ( FTC ) complaints are addressed. He directed me to visit Identity.gov, which raised concerns about the thoroughness of Equifax 's investigative practices. 

Details of the complaint are as follows : 1. **Employee Information : ** - Equifax Representative : XXXX XXXX ( ID # XXXX ) 2. **Incident Description : ** - XXXX XXXX stated, " Equifax does not investigate CFPB reports, so I'm wasting my time. The only complaints Equifax follows up on are FTC complaints. '' 3. **Requested Actions : ** - I demand an immediate and thorough investigation into the conduct of XXXX XXXX and the apparent discrepancy in Equifax 's investigative procedures.

4. **Accounts in Question : ** - CFPB Reports Filed on XX/XX/2023 under # XXXX - CFPB Reports Filed on XX/XX/2023 under # XXXX 1. XXXX XXXX XXXX  XXXX  XXXX - Account # XXXX 2. XXXX - Account # XXXX 3. XXXX XXXX - Account # XXXX 5. **Equifax Confirmation Numbers : ** - # XXXX - # XXXX I urgently request your intervention to ensure a fair and impartial investigation into this matter. The actions of XXXX XXXX and Equifax 's stance on CFPB reports raise serious concerns about the company 's commitment to addressing consumer complaints comprehensively. 

Please acknowledge the receipt of this formal complaint and provide details on the steps being taken to investigate and resolve the issues outlined herein. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation