BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Wells Fargo robbed me. On Thursday XX/XX/2021 I was not able to make a credit card payment from the drive-through so I went inside breathing during a pandemic and waited. I had tried to pay earlier on drive through and could not. So finally I was given my total of {$65.00} owed and paid my bill in full with cash. The Wells Fargo representative gave me a receipt immediately. There was nothing printed on the receipt about holding the cash payment. The Wells Fargo agent did not say anything about the automatic payment being charged. When I checked my account online later that day it said that I owed nothing and the {$65.00} was credit pending. 
When I called on XX/XX/XXXX, I talked with XXXX who transferred me to XXXX. I reported to her that I saw online that the credit was still pending and that WF had removed XXXX from bank account. XXXX said that I had autopay and I said that was to pay debts owed, not debts imagined. XXXX said that it could take up to 5 business day for a payment to post. I asked why WF presented a receipt for cash as received but held the payment in hidden accounts. I asked why WF was defrauding me by telling me how much the bill was, taking the payment, not posting it, then stealing money from my bank account. XXXX then said that I had mentioned fraud so she had to transfer me to someone else in fraud. 
XXXX took my fraud complaint, saying she was noting all the details. I said that I wanted the fraudulent transaction from my bank stopped or my stolen money refunded to my bank account. XXXX said she was noting it and someone would get back to me. 
Wells Fargo continues to hold my stolen money. Wells Fargo must return the stolen money and pay any bank fees associated with this fraudulent bank draw. 
I locked the card so it could not be used, resolving to end this abusive relationship with WF. Nevertheless WF allowed a recurring charge past the lock. I disputed that charge as WF is a criminal company using my name in their criminal conspiracy to juggle money in secret accounts. WF can not transact any business on my behalf because of its commitment to theft and fraud. I told XXXX that. WF misrepresented my balance to credit agencies in accepting the charge and in stealing the money. WF also violated FDCPA in robbing money from my bank account when I had no debt, violating any autopay agreement we may have had.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.

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 2019-02-13
Company: Experian Information Solutions Inc.
State: GA
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 received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX.XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX. I contacted the local police and the FTC about this. I also saw some inquiries on there that are not mine as well : 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 non-monetary relief
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018I bring a TAX REFUND CHECK and give a CAPITAL ONE BANK tailor at following address XXXX XXXX XXXX, XXXX XXXX, NY, XXXX. 
Because in heavy snow a check was wet. A tailor XXXX XXXX put a check in a check in a check riding machine and check was shrined for a small pieces. 
I am not shore now which way Capital One bank process this check and who first this happen. 
Check was amount XXXX dollars and issue from New Jersey Department of Treasure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-01-06
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2020 and XXXX. XXXX, 2020, PENTAGON FCUXXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2019-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am writing tin regards to the following account : Bank Name : BANK OF AMERICA MICHIGAN Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX  Phone : XXXX The account is closed-Purged on my XXXX XXXX report which i got after trying to open a new account with XXXX XXXX. However this account was close by the bank as they suspected fraudulent activity which I was the victim of a scam and not the perpetrator. 

On XX/XX/XXXX, I travel to the United State of America where I was XXXX  as I was seeking XXXX. I was XXXX  at the XXXX XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX. During this time I had no access to any technology, my bank account, my bank of America debit card or the outside world. Also during this time frame a number of fraudulent activity activities were on my account which is the : Bank Name : BANK OF AMERICA MICHIGAN Bank Routing # : XXXX Account # : XXXX When I was release on XX/XX/XXXX, I discover this and reported it to the bank and file claim on the transaction, I was also told that I would need to go into the bank and close the account as my banking personal information was compromise and whosoever was doing it can do it again. I went to the Brach office in XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX. I was inform by the branch manger that she could not assist me as I didnt have an ID ( thats my passport ), although I had my ; 1. Bank Debit Card with my Photo ID on it, 2. A copy of my passport 3. My SSN Card 4.  XXXX  National ID As they need the physical ID thats on file which is my passport. Due to the fact that my Passport was held in U.S. Immigration and Customs Enforcement XXXX, until recently when I was granted XXXX  on XX/XX/XXXX, I could not president my passport to the bank. 

With that said, I could not close the account and fraudulent activity activities continues on my account which include : My online account password was change ; Numerous attempt on signing on my online account ; An a sign in on a device thats known for fraudulent activity as advise by the Bank when I call enquiring about my password being change, and ; Among other thing. 
I was then inform that as according to their bank policy they would close the account and none of the funds I had in the account was return. 
In concluding, Bank of America didnt do as much as to protect my account despite my many attempt to close my account to avoid those fraudulent activities that led to the bank to closing my account in the manner ( Closed-Purged ) they did that benefit them and leaving me a Victim Fraudulent Activities.

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 2023-11-07
Company: Comerica
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
XXXX XXXX XXXX said to notify them of any emails from XXXX XXXX because they are scams. i called and told them i am having identity theft issues and fraud i am trying to pinpoint. I also had them lock any online access to my account. They said they are did this. I went online 3 weeks later and it is still available to look at all my activity on my computer and other devices. I called them again today and XXXX XXXX would not acknowledge that they did or did not do anything to put a fraud alert on my account. I then needed to get all of my statements from XXXX XXXX to go over any fraud activity. My mail at my house is not coming to me for some reason so I requested they change my address temporarily to receive the statements i need. This may effect my XXXX XXXX  housing with the change of address temporarily so I am XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13
Company: PLANET HOME LENDING, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have reached out to Planet home Lending on several occasions regarding several inaccurate 30 day late payments being reported on my XXXX, XXXX, and XXXX credit reports for my wife and I. They have agreed to remove late payments but we have yet to see any changes in our reports. I have also disputed the inaccurate information with the credit bureaus and they comeback with the same auto generated response as verified. We have never missed a payment in the 4 years and just ask for them to update and remove the inaccurate 30 date late 's from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Prosper Marketplace, Inc.
State: GA
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:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted Wells Fargo Dealer SVC multiple times do to a discrepancy on my credit report for an old auto loan that was opened. A late payment was reported on my credit in XX/XX/XXXX. This car was deemed totaled and the bank took possession of this vehicle on XX/XX/XXXX of XXXX. I have attached the total loss letter from the insurance company numerous times with no help on this matter. I have also disputed this inaccurate information to the credit bureaus numerous times as well with no help from the company..

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 2022-07-13
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: TX
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: Convergent Resources, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : Convergent Outsourcing # Unknown Account Number Account name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681, section 602 A of the Fair Credit Reporting Act, states I have the right to privacy.

15 U.S.C 1681, listed in Section 604 A 2 of the Act, also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) 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 explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I believe someone else has used my name I dont owe any debt to this company has a result Im getting a collection on my profile

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 2023-06-06
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX  XXXX {$4500.00} XX/XX/XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX {$9300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$70.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation