BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
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 want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-06
Company: WELLS FARGO & COMPANY
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I currently was a victim of a scam and fraud and when I called my bank ( Wells Fargo ) to report the transactions and protect my accounts they were negligent and only changed my online banking log in and pretty much blamed me. They asked that I send more information and I did but they did not respond and then said that because I didnt send it they would not get my money. This all started XX/XX/XXXX of this year and they have done nothing to help me. I asked them to freeze my account and stop checks from being deposited while they were pending but they still let it all go through. When I call to give more information they dont answer or allow me to so I send them emails and they do not respond. There were checks deposited to my accounts that I did not deposit. Two checks of {$1500.00} and when I asked to stop them they did nothing and let them go through. Then when I was getting threatening messages to hurt me and my family if I didnt return the money so I did my best to return it but the checks bounced so now they blame it all on me. I sent that money back because of their negligence to help me when I needed it and now they are not helping me. They told me to just change my phone number and that was it. I also filed a police report and havent heard back since.

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 2023-10-24
Company: Westlake Services, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This company didnt have no authorization run my credit never did any business with them. I need this information remove off my carport

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 2023-02-27
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Concerning our car loan with Ally Financial Inc. A letter dated XX/XX/XXXX from a XXXX XXXX XXXX the Executive Customer Relations division, stated in a letter she would inform all credit bureaus Ally Financial Inc. was incorrect in reporting us 30 days late in XXXX. The 30 days late remains on our credit report, adversely affecting our credit profile. I have made several attempts to communicate with a XXXX XXXX, leaving her voicemails. As of XX/XX/XXXX, XXXX XXXX has not responded to my calls. 

Additionally, despite Ally Financial Inc. falsely repossessing the vehicle, taking advantage of the Covid-19 waiver period, stating we would not be reported late, this was false. We were reported late every month during the 90 day waiver period. Again, in XXXX when we became displaced from our home due to mold, we were informed Ally Financial is willing to " negotiate '' any late fees at the end of the loan. We trusted this pledge. However, they refuse to waive or negotiate any of the late fees and will not release the title. We trusted Ally Financial to a honest and trustworthy bank. However, Ally Financial has all but destroyed our faith in their promises. Verbally or otherwise.

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 2023-03-09
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I'm writing to report a gift card scam that I fell victim to on XX/XX/XXXX. I purchased three XXXX gift cards from XXXX, each with a value of {$200.00}, at the request of an individual who claimed to be the CEO of my company. The scammer urged me to send the PIN numbers immediately, and I only realized it was a scam when I checked the card balances and found they had been claimed. I immediately contacted my credit card company, Discover, and reported the scam, and they removed the transaction from my account. However, three weeks later, on XX/XX/XXXX, I received a letter from Discover requesting more information to investigate the case. I contacted Discover and provided additional details of the scam on XX/XX/XXXX, but on XX/XX/2023, I was informed that they did not recognize it as a scam, they would reverse the transaction, Discover is not responsible for this case. However, I was clearly scammed, and I would like to appeal this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Attached to this complaint is identity documents for verification of my identity. Banks, credit unions, creditors, and lenders are having an issue of obtaining my credit report and credit score from Clarity Services , Inc., Experian Consumer Support Division, Experian, and XXXX. Lenders need to be able to pull, access, and obtain my credit report from Clarity Services , Inc., Experian, and XXXX. I want Clarity Services , Inc., Experian, and XXXX to delete and remove all fraud alerts and extended fraud alerts from my credit report and release my credit report and credit score to any bank, credit union, lender, or creditor who request my credit report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, 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 2023-09-15
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: Credit inquiries on your report that you don't recognize

Complaint:
I am applying for a mortgage and my lender advised me there were inquires on my account that I did not apply for which are the following : Remove the 3 inquiries from my XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove the 2 inquiries from my Experian : XXXX | XX/XX/2023 XXXX  | XX/XX/2023 They need to be removed immediately I never applied for these and they never permissable 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 2023-12-17
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Sir ; I am XXXX XXXX theco-founder and general manager of XXXX XXXX XXXX XXXX , our company islocated in XXXX XXXX -U.S.A. from 35 years, and we used to work withdifferent countries in XXXX XXXX for outsourcing our work.Recently we noticedthat Freelancers from XXXX has the same complaint, that there are governmentalinstructions to stop the transactions unless they offer official paper orrelationship paper! Those restrictions are stated in more than one branch! anddid not happen in other countries. Western union shouldcommunicate more effectively with customers, especially more than 10 had thesame complaint about bad behavior from employees especially the ones in thebanks branches ( XXXX XXXX ). Please solve thisproblem in your branches in XXXX, or We will change our transactions toanother company dont have those troubles.For more informationabout complaints on Western Union , see this group : 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 2022-03-01
Company: CL Holdings LLC
State: FL
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:
My identity was stolen, and a account with XXXX was opened without my knowledge. in result a collection was placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: SC
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX {$83000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX 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 2022-03-01
Company: EQUIFAX, 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:
I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Santander Bank XXXX XX/XX/XXXX {$940.00} XXXX transfer funds from my personal checking account at XXXX XXXX XXXX to my personal checking account at Santander. I accidentally put the name of my HOA building Account on the check. This was flagged by the XXXX department, they held the funds from XXXX XXXX XXXX, and did not release them into my Santander account. I went into the local branch to clear this up. They confirmed the money was from my account at XXXX bank into my account in another bank, and assured me that my funds will be available within 30 days. They never released my funds. They cleared the money out of my XXXX XXXX XXXX  account and held it in accessible to me. I have gone back on three occasions since then to be told in person that my funds will be available soon. 

They told me in person that I would simply need to add funds to account for the amount deemed fraudulent. My account remained as a negative available balance for 3 months despite having > {$500.00} in the account. I was not permitted to withdraw any money. 

After 30 minutes in person and having the banker call headquarters and escalate through multiple levels I was told I would be able to access my account if I deposited even more money. I did so and my account funds, now greater were still held. 

This time after 40 minutes in person I was told I could access my funds in another 30 days if I made a deposit. I stated this was not acceptable as I need access to My money. 

I demanded that the original transfer be returned to my XXXX XXXX XXXX account. They stated that they could initiate that transfer but that the funds might not be available for Another 30 days. Additionally, I would STILL not be able to transfer money from my Santander account. 

They held my money for 3 month. Denied me access. And denied me recourse. It is infuriating. The only purpose of this account is for quarterly transfer to an HOA account. Now I can not access that and will incur fees for out of system transfers. 

I will be closing my account and telling all my friends and colleagues how much time Santander bank wastes. XXXX is money and my money is money. And Santander no longer has the right to ask for either from me.

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 2023-01-06
Company: Experian Information Solutions 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:
On XX/XX/2022 I XXXX XXXX  XXXX on my own behalf sent a letter to each of the CRA ( Credit Reporting Agencies ) XXXX, Experian, XXXX in regards to inaccurate and unverified accounts reporting on my consumer report. To date almost 45 days later I have not been notified either by mail or phone of the receipt of my letters. I feel like I am being taken advantage of and my disputes ignored. Section 611 ( a ) clearly states a failure to investigate any dispute in the appropriate time ( 30 days ) gives me the CONSUMER the right to request that these negative items be removed from my CONSUMER report. Well its been well over 30 days ( its been 45 ) so with that being said Im asking that these items be deleted PROMPTLY. I demand that these accounts be removed immediately or I will have no other choice then to have my lawyer file for litigation on this matter. In closing, my information was impacted by the XXXX and XXXX data breach which may have caused my information to fall into the hands of the wrong people/person ( s ).

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 2023-02-12
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:
It has come to my attention that both XXXX XXXX and XXXX have been sharing my personal information with the credit reporting agencies without the express written consent. This information includes but is not limited to : transaction history ( late payments ), balance, and experiences. My credit cards are a matter of consumer law.

Pursuan

t to 15 USC 1681a ( 2 ) ( i ) Exclusions report containing information solely as to transactions or experiences between the consumer and the person making the report. Therefore, late payments and account balance SHOULD NOT appear on my consumer report. Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficie
ncy of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

The privacy statements provided by both XXXX and XXXX states that my personal information can only be shared with the credit bureau and affiliates. Pursuant to 15 USC 1681a ( w ) The term Bureau means the Bureau of Consumer Financial Protection. In addition, pursuant to the U.S. Consumer Privacy Notice provided by XXXX, the term " Affiliates '' means Companies related by common ownership or control. Therefore, the privately held credit reporting agencies would be excluded from being able to use the above mentioned information on my consumer credit report without my express written consent. 

I have contacted both XXXX  and XXXX to opt out of all data sharing with any and all third party nonaffiliates, including but not limited to XXXX, XXXX, Equifax, XXXX XXXX, XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Credit Karma, LLC
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
To whom it may concern : Good afternoon, my name is XXXX XXXX and I hold a spend and savings account through credit karma. I am reaching out to you because I have exhausted all my other options when it comes to resolving this matter. My account has been frozen/locked since last Friday, XXXX, XXXX, 2023. Today is now Thursday, XX/XX/2023. I have followed all the steps given to me to get it unlocked and there still hasnt been a resolution. I have spoken with supervisors as well as customer service reps and theyve all told me to send in the required documentation via email which Ive done and I still havent gotten a response. With my account being frozen, I am unable to do anything. I was basically left stranded with no access to my funds in my account. This issue has also caused me to incur extra charges because my bills have been returned. I have filed a complaint with the FCC and the XXXX XXXX XXXX. This matter needs to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
US citizenship and immigration services has requested a bank officer statement for my account. i requested this item on XX/XX/XXXX XXXX they told me this would take XX/XX/XXXX business days afterwards. i have been calling them ever since and i dont get a straight answer from chase bank. i have been banking with these people since XXXX but they refuse to give me this simple document. showing date account opened. total amount deposited last year and current balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: MI
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:
This is a notice of dispute for XXXX XXXX XXXX ; account # XXXX. Whenever Equifax prepares a consumer report it shall follow reasonable procedures to assure XXXX possible accuracy of the information concerning the individual. This notice is to inform Equifax that the accuracy of the information as it pertains to me has been compromised and Equifax must delete this account. 

I have disputed the alleged debt and requested debt validation. XXXX has failed to provide evidence that I owe them a debt. XXXX has used my nonpublic private information in the creation of this account with the intent to coerce payment from me for an alleged debt that is not owed to them. XXXX provided deceptive statements from XXXX XXXX XXXX XXXX that contained two different account numbers. XXXX has received my notice to cease and desist ( see attachments ) yet continues to furnish inaccurate information to my Equifax consumer report. 

Equifax must exercise their grave responsibility with fairness, impartiality and a respect for the right to privacy. XXXX XXXX XXXX has violated my right to privacy by purchasing my nonpublic private information without my consent. Equifax is REQUIRED to adopt reasonable procedures for meeting the needs of commerce for consumer credit with regard to confidentiality, accuracy, relevancy, and proper utilization of such information. Therefore, Equifax is required to DELETE this account. XXXX has furnished Equifax with inaccurate, irrelevant information, and has improperly used that information to harm me. 

XXXX can not furnish any information relating to me, to Equifax or any other consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX knew and had reasonable cause to believe that the information was inaccurate by failing to validate the alleged debt, sending me deceptive statements, and continuing to communicate with me after they received my cease and desist notice ( see attachment ). 

The completeness and accuracy of information furnished by XXXX to Equifax was disputed directly with XXXX by me so that XXXX may not furnish the information to any consumer reporting agency without notice that the information is disputed by the consumer. XXXX failed to provide notice of dispute by consumer to Equifax both after they received my dispute and multiple times after the account was updated both during the validation period and after the cease and desist notice was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company, National Recovery Agency, is not verified by the state of Florida as a licensed collection agency that is legally bond to collect a debt. The National Recovery Agency has been reporting false collection information to all three of the credit bureaus.

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