BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-14
Company: EQUIFAX, 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:
Please take notice that I XXXX XXXX XXXX, am a victim of identity theft. I viewed my credit report file with XXXX  and I am horrified that someone stole my personal information to commit fraud and as a consequence, there are multiple collections accounts on my file. From any perspective, this is an intimidating and overwhelming process. On XX/XX/XXXX, I completed an identity theft report on www.identitytheft.gov. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. 

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

There are 10 dishonest hard inquires that need to be removed, suppressed, disputed and blocked from my credit report, see below : I. XXXX  Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX  XXXX  XXXX Inquiry date : XX/XX/XXXX V. US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX VI. XXXX Inquiry date : XX/XX/XXXX VII. XXXX Inquiry date : XX/XX/XXXX VIII. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX There are 3 fraudulent accounts on my credit report that need to be removed, suppressed, disputed and blocked : XXXX XXXX XXXX, Opened XX/XX/XXXX, Account number : XXXX Amount : {$6100.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Opened, XX/XX/XXXX, Account number XXXX Amount : {$5400.00} XXXX XXXX XXXX  Opened XX/XX/XXXX, Account Number : XXXX  Amount {$1900.00} XXXX XXXX XXXX  Opened XX/XX/XXXX Amount {$1900.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

I have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. These phones itself are a violation of the FCRA.

To my knowledge, section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize these companies to pull my credit. Each inquiry is hurting my credit score.

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 2023-02-21
Company: Collection Management Holdings, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX I noticed a collection on my credit report. On XX/XX/XXXX I contacted the creditor listed on the report to inquire about the supposedly debt. I made three different phone calls and spoke with a different representative each time. each representative told me that no debt in the amount in question was showing as me owing a bill. Each one stated that nothing is showing under my personal information that has been sent to collections. I then reached out to the debt collector and gave him the information that I received from the creditor. He really couldn't give enough information about the account and the phone disconnected. The debt collector was never heard of by me, and I never receive any kind of communication as to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/23 I was subjected to fraud. And for 3 months Wells Fargo kept constricting access to my online account. But on XX/XX/23 XXXX identified me and said that Wells is not going to shut me down. She identified me via phone and told me that I did not have to go to a branch in XXXX, CA, XXXX miles away. Wells Fargo has been going back and forth for 3 months, and just like 4 days ago XXXX said that Wells Fargo is not going to shut me down. But then today I logged into my online accounts and all of a sudden, my checking accounts a XXXX and indicates that my accounts are closed. Wells Fargo just sent me an email indicating that " YOUR NEW STATEMENT IS NOW AVAILABLE for my checking account ending in XXXX. And then Wells Fargo indicates on the email that : '' If you have questions about your account, please refer to the contact information on your statement. For questions about viewing your statements online, Wells Fargo Customer Service is available XXXX hours a day, 7 days a week. Call us at XXXX '' I then just called the number and was transferred to XXXX, and I asked her why I was being shut down when XXXX said was not? XXXX would not explain to me and I asked her please tell me what I've done wrong? She then said, we don't have a reason to closed customers ' accounts, because banks have the prerogative to closed accounts. But then when I started asking her that how can banks close accounts if it's illegal, due to no reason? She then said, since, we don't have to have a reason and you're wasting my time and then she hung up on me! My other checking account is a checking trust account for my son 's direct deposit, but it didn't matter to Wells Fargo. And to change banks for a trust checking account, it takes the XXXX 2 months to make the change to a new bank. I also asked XXXX, then what's going to happen to my balances, she said, " we'll just send you a cashier 's check. '' And she hangs up on me. Wells Fargo is not only illegal, but they are also rude and hurt so many customers and even employees. therefore, Wells Fargo is being sued by many customers, ex-employees and class action lawsuits. Wells Fargo doesn't care not even for themselves! Not even if their are being sued and have been penalized for billions of dollars. They discriminate XXXX senior citizens. They have such record, but it does not matter!

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: SECURITY CREDIT SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
So theres a couple problems. XXXX XXXX knew that I had XXXX because I verbally told them. Thats the first problem. The second problem is that they took my medical information and gave that medical information to a collection agency in the river in accordance to the response from the collection, agency XXXX XXXX. 
I under no circumstances, agreed that a XXXX XXXX for a collection agency could have my medical information. I want this removed immediately. And I would like you to pursue whatever HIPAA things should be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was alerted by my credit bureau of a derogatory entry on my XXXX  credit report for XXXX for a XXXX XXXX bill now known as XXXX from XX/XX/XXXX to XX/XX/XXXX. The collections company is the CBE group, I called the company but they could not verify any valuable information of help to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was lost/stolen and unauthorized charges we applied to my balance. I have tried to contact bank multiple times but I keep getting disrespected. I am a XXXX and need my medicine to stay alive and the bank is forcing me to wait long periods of time when I can't go long without my medication. Please help me please! They don't care about me and I feel failed by the banking system. If i don't take my medicine in the next 3 days it can be very detrimental to my health. I Deserve to to be treated fairly please treat me fairly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-16
Company: Regional Management Corporation
State: GA
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:
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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:
I never opened a XXXX card or account in XXXX or XXXX. I need this removed from my credit history. I was out of the country for over 8 years and going back. I had a credit score of XXXX before I left and now its a lousy XXXX! This is insane! I have multiple fraudulent accounts on my credit reports that were not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Hello, Today I received a phone call and two emails from a company called " XXXX '' indicating that a {$1300.00} loan had been taken out in my name. I called the company back and I spoke with a person named XXXX XXXX the person who called me was named XXXX XXXX. I asked XXXX to STOP the loan, and any funds transfer, as I have never applied for a loan with this company. XXXX was unable to assist me and said I should file a police report instead. 

I have never applied for a loan with this company. The Loan Agreement Number is XXXX. 

This company seems to have my name, email address, and phone number. 

I never borrowed {$1300.00} and I do not know where this money is going, nor do I understand why XXXX was not willing to STOP the loan from moving forward. 

Can you please help me with this? 

Their phone number is ( XXXX ) XXXX. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am aware that I am delinquent on both of my accounts, and I have let Capital One know that I have filed for bankruptcy with an attorney. Even though they have this information, I am still being harassed with phone calls where they will call me and then hang up. I attempt to answer these calls and talk to whoever is there but they will not speak and no amount of pressing buttons will get me to an operator or customer service agent. These calls are coming at random times of the day, several times a day.. When I call about this problem, they deny that they called and they refuse to cooperate. This is a violation of US bankruptcy laws and this harassing behavior will be reported to my attorney and to the bankruptcy court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2023 I went into Bank of America XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX with my daughter to withdraw money to purchase an automobile. The teller ID on my receipt is XXXX. My checking account had over {$21000.00} in it and my savings account has about {$54000.00} in it. I asked the teller if I could borrow the money from my Bank of America credit card and he checked the limit of my credit card and said yes. I then took the {$4900.00} from my credit card. On XXXX/XXXX/XXXX  I signed into my Bank of America, and I observed I was charged a cash advance fee of {$240.00}. I immediately called the bank and spoke with XXXX. I explained that I was not told that I was going to be charged a fee and there was not charge on my receipt they gave me. I explained that if I would have known I was going to be charged a fee I would have taken it from my checking account. He opened a ticket and advised I would hear back from the bank. On XX/XX/2023 I received an email from the bank declining the dispute. I called the bank back on XX/XX/2023 and spoke with XXXX. I explained the situation and after a brief hold he came back on the phone and said he talked with his manager, and he/she advised if I pay the amount today that the {$240.00} cash advance fee would be credited. I immediately went into my account and paid the balance on that credit card {$5100.00}. ( See attachment ). On XX/XX/2023 I went to my bank account and saw the payment had been posted to the account, so I called back as instructed by XXXX. I called XXXX at XXXX XXXX XXXX and spoke with XXXX she advised that she could not authorize a refund for the cash advance fee. I asked to speak with her supervisor, and she transferred me to XXXX. XXXX is her supervisor, she advised that the fee would not be credited. I asked to speak with her supervisor, and she transferred me to her manager spelled XXXX XXXX pronounced XXXX XXXX. I explained that I was told if I paid the amount that day that the fee would be credited. I asked XXXX to please go back and look at the notes from XXXX. He replied, it didn't matter what the notes stated the fee would not be credited. I find this situation incomprehensible, and unethical.

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 2021-04-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax XXXX XXXX XXXX  Account XXXX XXXX Amount {$0.00} This account is showing on my credit report incorrect and inaccurate with Equifax . This account was open in 2014 and paid/close in 2014. I have sent certified letters to Equifax 3 times to remove this account due to inaccurate information and to provide me with proof. They continues to update this account and say it has been verified, but yet to provided me with any documentation. I have also provided Equifax with screenshot of my credit report and highlighting each individual line item with comment that was incorrect, in which I would provide the screenshot in this email also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: DE
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:
Dear XXXX, I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 
Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U, S. Code 16816 In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( I ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 16811, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : RESIDENT VERIFY Inquiry Date : XXXX Creditor XXXX XXXX XXXX Inquiry Date : XXXX Creditor XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXX I AM REQUESTING UNDER XXXX XXXX THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT FCRA $ 605B ( 15 U.S.C. $ 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I look forward to receiving an updated copy of my credit report reflecting the above correction.

Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Santander bank received a request fro XXXX and they [ aid it despite the fact that my account is the type pf account that should not be over-drafted. They should have returned the amount unpaid. They then charged my account XXXX $ in fees. When I called to ask for help, the representative told me she was closing my account. I asked her not to. I called 3 other times and spend more than 7 hours on the phone with them. They told me my account was reopened and everything was fine. Two months later, i started getting calls from a collection agency. The collection agency calls me several times a day and says there is no way to resolve the issue aside form paying the amount. I have spent enough hours on the phone with Santander bank and they need to delete the debt like they said they would.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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