BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
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:
My name is XXXX XXXX, Around XXXX of 2022 I discovered a number of accounts on my credit report that turned out to be fraud and were opened online and in person in several banks/credit unions and department stores without my knowledge causing my credit rating to sink. I started to contact all institutions one by one and submitting documents to explain the situation including police and identity theft reports from government agencies. Most fraud departments were very helpful and resolved the matter within 30 days. I am now in the 9th month with a number of complaints in writing and by phone/messages with XXXX XXXX XXXX XXXX XXXX XXXX ) without any results. This credit union does not take calls to their fraud department so the messages I've left have had no response whatsoever, the letters and emails have had no response. After 8 months of trying-I finally got a hold of a representative that offered to check the status of my case and told me that my claim for identity theft was denied and the accounts were confirmed to be accurate because of matching email and phone numbers and other personal information..Now I'm no expert, but if my information was utilized by a thief it is obvious that the same information is going to be used to open whatever accounts the suspects were looking to establish. My emails and physical mail, etc.. were in fact compromised hence how identity theft occurred... In conclusion I am asking for help, since I wasn't able to resolve the matter with this banks own fraud department and found many levels of incompetence, malpractice, and negligence. If anyone knows what its like to go through the mere fact of trying to clear things with a financial institutions and then 8 months later being told the case is denied because information is matching with that of my own should understand that this department needs new staff and/or is mismanaged.. I will make further reports of this experience to all other agencies registered with state and government and will seek legal counsel if it isn't 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 2023-01-20
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file : XXXX XX/XX/202XXXX XXXX XXXX XXXX XX/XX/2022 these items above should be removed from my report immediately. Please note : I have included in this package a copy of my driver license, copy of proof of address, copy of my SSN, FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX, tried to deposit a check in the amount of {XXXX}. The Check was partially skewed and the App wouldn't accept the check. I took the check down to a local Credit Union that I bank with as well and deposited it in person. Capital One then showed that the deposit was in my account. I called and had the check reversed thinking that the one at the local credit union would be the one that would go through. The local credit union ended up reversing the check as well because Capital one requested the money under a duplicate deposit. I have called capital one a few times about this and have to explain the situation every time. No one seems to understand what is going onXXXX. I have also been in communication with my local credit union and they have given me the XXXX number off the check to provide to Capital One. Capital One still has not gotten anywhere with this. My local credit Union is XXXX  XXXX XXXX XXXX. this has been going on for over a month now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-27
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX has reported late payments and late payments should not be reported. 
I received a copy of my credit report and I have found that in accordance to the FCRA you violated my rights under 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave You, OR the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. According to the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed. 

DUE TO THESE VIOLATIONS OF MY CONSUMER RIGHTS, I AM DEMANDING THAT YOU UPDATE THE ABOVE LISTED LATE PAYMENTS AS OK OR PAID AS AGREED Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: Paypal Holdings, Inc
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So my Venmo account has been frozen since XX/XX/2022. I recently was locked out of my account due to me changing my phone number and phone. I couldn't access my account and then once I did through customer service my account was immediately frozen with no answers as to why besides saying it was flagged. Which is no problem but a week before that my card was used unauthorized and they drained my Venmo account of about {$1500.00}. So I filed a chargeback and the gave me provisional credit which I appreciated but that's the same exact time when I had to contact customer service to get into my account so once I got my funds as provisional credit and I was going to access it they froze my account and it has now been 10 business days and they have yet to respond or tell me why. So my XXXX that was already stolen from me is now being held/stolen again by Venmo and they do not care about anything or even care about fixing the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: EQUIFAX, INC.
State: OK
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:
I got a copy of my credit report and was shock to see what was on there information that did not belong to me so I notified my bank Ive been a victim of identity theft so i ask them to freeze all my accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: Exeter Finance Corp.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was harassed an abused by mail and also by telephone. Repeatedly called and mail which is a form of harassment, they were not given permission to call or send mail to me. They were not given permission to report to XXXX, XXXX, or XXXX. Reported information to third party debt collector without my permission. They said the debt was validated, when it wasn't validated by me. I was threaten by the use of violence and or other criminal means to harm me the consumer. They used obscene language towards to over the phone and also thru mail. They advertised the sale of debt. When they sent mail there was a logo on the post card which is in fact a violation also. Cash was taken when cash is not supposed to be taken for a credit transaction. Their actions caused me to be discriminated against, and caused XXXX, and also caused me to lose jobs and not be able to get another job. These debts were not properly validated. They did these things to me purposely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Wells Fargo had not giving me no money for XXXX XXXX dollar sue I have been a customer since 2011 and I have not received no payment no notification wells Fargo fail to pay customer and notify the customer

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: Experian Information Solutions Inc.
State: NY
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've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet Experian and XXXX refuses to update me from being listed as XX/XX/2018 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experian and XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove this damaging negatives from my profile. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

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 explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: NY
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've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet XXXX and Equifax refuses to update me from being listed as XX/XX/2018 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX and Equifax job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove this damaging negatives from my profile. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: EMCC Holdings, LLC
State: OK
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:
We received a loan in XXXX for a timeshare type service XXXX XXXX XXXX that we did not realize at the time was a fraudulent company. We have not had any success contacting the company through mail, email, or phone. We were lied to about pricing of the travel site and pressured into getting it. We have also not had any luck resolving with Equiant whom the loan is through. As a result of now contact or resolution. We stopped paying in XX/XX/XXXX and are now seeking credit repair services to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

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 : XXXXXXXX XXXX XXXX  Account Number : 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 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Do to XXXX XXXX and unable to work tries to work with bank to refinance loan for smaller monthly payments and the refuses and XXXX  they so not lower payments. So there was more fees added to the loan with very high interest rate and harassing phone calls

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 2022-02-13
Company: Betterment LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
It all started with my processing a withdrawal from Betterment on XX/XX/XXXX. I received an email on that date stating that the withdrawal would process on XX/XX/XXXX. It has still not shown up in my account, despite their claim of it being in my bank account in 4-5 business days. This was about {$970.00}. After growing suspicious I attempted to close the account, by turning off reoccurring deposits, which I did on XX/XX/XXXX. The same day, I received an email saying that my account had been temporarily suspended and I needed to contact customer support. As this was a Friday evening, I waited to call until Monday. I called the company on Monday XX/XX/XXXX and spoke to someone who said my account had been suspended by their operations department and he could not tell me a reason why. He said the company was closing the account and that it would take multiple weeks for me to see the money return to my account. Now, on XX/XX/XXXX I still have not had any money return. At the time of the suspension, there was still {$1100.00} in the account that I do not have access to. I also have continued to get emails from the company that seems to be automated ( I got one today, XX/XX/XXXX, updating me on the progress of my investment, which I have no access to. It has been a nightmare situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
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 have several accounts that were fraudulent and I am in the process of clearing up my credit due to the loss of my wallet and my Chex Systems I have filed a FTC identity Please remove the following accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, I have never applied for a XXXX   XXXX, XXXX XXXX or any online Payday Loans.

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 2022-12-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have had a Citi XXXX XXXX XXXX XXXX for 6 years. Recently I identified fraudulent activity on my card and another was issued. When I attempted to add my new card to XXXX XXXX it would not work and a block Fraud Alert was placed on my account. I was told that the block could only be removed after I received a letter from Citi with a XXXX verification code, despite correctly answering my security question and verifying both my wifes phone number and mine. This happened initially when I first opened my account, after attempting to add XXXX XXXX, a transaction was denied and a block was placed on my account. At that time I was able to resolve the issue over the phone and have my card added to XXXX XXXX. 2 days ago ( XXXX ) I spoke to a Citi fraud representative, and provided the XXXX code they sent me in the mail. My card was reactivated. While on the phone I informed the representative that I was unable to add the card to XXXX XXXX. I was told the card was already added to XXXX XXXX. I told them that my account showed no cards added. I attempted to add it several times while on the phone with the Citi representative, and I was told again it was already added. The next day I used my card successfully for XXXX transactions and later, again tried to add it to XXXX XXXX. Next, my account was blocked again with a fraud alert making my card unusable. Today, I called Citi Fraud, and was told again, that the only way they could reactivate my card was to mail me a letter with a XXXX code, with which I was to provide them, again. Remarkably, I have serval other credit cards that I have no problem whatsoever adding to XXXX XXXX. So, it is my intention they are doing this deliberately, since it is not perhaps in their financial interest : I pay my card in full each month.

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