BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
We are currently banking with Wells Fargo and have been since XX/XX/. Weve had the same issue over and over again with them They keep charging us overdraft fees when we have the funds in our account. 

Also, I keep up with every transaction using my register and I have yet to get it to match up with the balance on my account. 

I dont like it. Its very weird.

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 2019-07-02
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: Public record information inaccurate

Complaint:
Unbeknownst to me, I had a judgement against me. I went to court and let the judge know I was never served, so it was vacated almost a year ago. However, last week while applying for a refinance of my home, I received a copy of my credit report that shows said judgement. I've contacted both the court and the county small claims advisor and they said they can not help me fix this error. Please remove this from ALL of my credit reports. The case number is XXXX. 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 2023-08-02
Company: Experian Information Solutions Inc.
State: MD
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:
Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$310.00}

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 2022-10-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have now had an issue with my Wells Fargo credit card for over a month. I contacted them at least XXXX times trying to resolve the fraudulent charges that were made on my card that did not belong to me but they keep denying my claim for the dispute. I have told them multiple times I did not have my card when these transactions were made and I explained to them which transactions were mines but they continue to deny my claim and the issue of the disputed charges all remains unresolved. Charges since XX/XX/2022 when my card was lost and the amount of almost {$2000.00}. The representatives who I spoke with who are supposed to be the higher level reps in the executive office all sound like they are foreigners and are hard to understand. They are very unprofessional and when I asked their information for my own records they refused such as they refused to provide me with a last name for anyone I spoke to. They tell me it will investigated 10 - 15 days and each time I get nowhere with them and I am still being charged and now the credit card is overlimit because of the fraud charges and they still wont resolve anything! Wells Fargo Cash card is the absolute worst

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 2022-10-29
Company: JPMORGAN CHASE & CO.
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I got sent a check and deposited into my bank account thinking it was real once deposited. I sent some of it to the person who gave it to me thinking nothing of it and I believe it is fraud. This all happened XX/XX/2022 between the times of XXXX XXXX  through XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: American First Finance, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Account Number XXXX Name AMERICAN FIRST FINANCE and XXXX are falsely reporting an outstanding balance of {$2400.00}. 

AMERICAN FIRST FINANCE and XXXX are falsely reporting monthly payment updates/account activity/ active payment history on the account. The account was was charged- off on XX/XX/XXXX. The account is inactive since that time. 

AMERICAN FIRST FINANCE and XXXX falsified the last payment date on the account. XX/XX/XXXX, the last payment was changed from XX/XX/XXXX to XX/XX/XXXX by AMERICA FRIST FINANCE, there was no payment made. 

AMERICAN FIRST FINANCE and XXXX are manipulating the statue of limitations by showing activity and negatively impacting my family beyond measure. I've worked really hard to maintain good credit throughout the pandemic. The false appearance of recent derogatory events is impacting my ability to obtain decent housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
To : Whom It May Concern This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition, to civil liability. By obtaining my CREDIT BUREAU consumer credit report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1618b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. supp 2d711 ( S.D Ind.2003 ) I have not initiated any transaction with COMPANY NAME. furthermore, I do not have anaccount as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review for collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}.

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 2023-01-13
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 XXXX XXXX, Consumer and natural person am a victim of Identity theft. Equifax, XXXX and XXXX have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! Equifax, XXXX and XXXX have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! Equifax, XXXX and XXXX are in direct violation of the FCRA and Gamm Leach Bliliey Act of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; 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 Date Updated 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 XXXXXX/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 2023-01-13
Company: Experian Information Solutions 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 XXXX XXXX, Consumer and natural person am a victim of Identity theft. XXXX, XXXX and Experian have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, XXXX and Experian have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, XXXX and Experian are in direct violation of the FCRA and Gamm Leach Bliliey Act of 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 2018-08-10
Company: GREAT LAKES
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
STUDENT LOAN FORGIVENESS SCAM- I was contacted by a representative named XXXX XXXX XX/XX/2018 via phone from the company XXXX. He claimed that XXXX was a third party company that worked along side my student loan lender to help eliminate interest charges on my loan and to break down my payments into more affordable ones. He stated I was eligible to rid all interest accrued, make the first four payments $ XXXX/month, and I would then after only need to pay $ XXXX/month for the next 3 years until paid off. Every detail seemed very legit to me considering they had me sign a " contract '' with my social security number already on it ( which I never gave ) and a " forbearance form '' for them to give to my lender. Having little knowledge and experience with this type of situation I was taken advantage of. Luckily I started piecing it together. The day after my first payment was due ( due XX/XX/2018 ) I decided to do some research before the charge of {$110.00} completely went through on my credit card. I contacted my student loan lender ( XXXX  ) XX/XX/2018 to see if they had been contacted by XXXX at all. It was then I was told that my student loan company NEVER uses third party companies to assist with any form of loan forgiveness and that they have their own means in assisting borrowers with such. I immediately thereafter contacted my bank to have the transaction flagged as fraud, closed that credit card account, and was issued a new one. I emailed XXXX XXXX from XXXX whom was the last person to email me that I had reported them as fraudulent and to no longer contact me. Now somehow as of XX/XX/2018 a charge of {$110.00} has been taken again by this company which I have had to report yet again with my bank. Somehow the withdrawal is dated as ( XX/XX/2018 ) in my account. Huge headache.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
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 sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: BARCLAYS BANK DELAWARE
State: OR
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:
To whom it may concern, We have lit. spend hundreds of hours trying to clear up a mess Barclay bank has made! 

1. It started with a chargeback for XXXX that was charged to us that was not authorized twice ( one was credited back the other was not ) we only authorized XXXX to this via trip avisor and so disputed such All we got was a complete run around of the cvc chip was scanned but was not, then stating merchant has not violated terms??? 

Never did we get the funds back despite the tons of calls to XXXX and the XXXX which are your customer service agents. And sent tons of documents in dispute 2. Then we got a charge on the card but was kept being told it was interest with a zero balance Finally we asked the card to be canceled and cleared up and never hear from Barclays again. The statement Being doctored many times by your agents it appears. 

3. Now not only did we never get the credit but you hit our credit report losing 85+ points over your continual mistakes Please clear up our account a credit would be nice but at this juncture just want our credit restored from YOUR Continual mistakes XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Oregon XXXX XXXX XXXX XXXX Cell XXXX XXXX XXXX Office

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Personal information was made public to 3rd party agencies as well as inaccurate information on my personal consumer report without my expressed written consent in writing. I also believe but can not verify that Transunion as well as other 3rd party agencies benefitted monetarily in sharing my restricted private information.

Company response to consumer: In progress
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: TX
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX  is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-12
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., 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 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 2021-11-19
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am currently leasing a XXXX XXXX XXXX vehicle financed through Hyundai Motor Finance ( HMF ). I want to buy out my lease according to my lease contract, however the payoff generated through their website is attempting to charge me sales tax despite electric vehicles being exempt from New Jersey state sales tax. I did not pay any sales tax to the dealership and businesses are barred from collecting sales tax on certain vehicles ( this one included ) sold in New Jersey. 

I spoke with HMF on Monday ( XX/XX/XXXX ) and explained the law and that the vehicle was exempt from sales tax and they told me there was no way for me to buy out the lease without paying sales tax. I called back again on XX/XX/XXXX and spoke to another agent who asked me to forward documentation from New Jersey explaining the vehicle was exempt. On XX/XX/XXXX, I faxed them NJ form XXXX ( https : XXXX ) and a registration and titling document that I retrieved from the dealership, showing that no sales tax was paid and that it was exempt. 

I called HMF again today ( XX/XX/XXXX ) as I have not received a correct payoff information and I was told there was no way for them to generate a payoff form without sales tax and that if I wanted to not pay sales tax I would have to go through a dealership. However, no dealership is willing to assist me in buying the car without charging additional fees not stated in my original contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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