BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 contacted XXXX to find out that an account, line of credit, and credit card had been open in my name that are all fraudulent with XXXX. Bank account have a balance of {$370.00}, Line of Credit have a balance of {$21000.00} and Credit Card with a balance of {$6100.00}. I have contacted XXXX and TransUnion about this issue and have received the same inaccurate results.

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 2023-06-27
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or 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 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 2019-06-14
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I purchased a vehicle back in XXXX XXXX, with a down payment of XXXX. I have been having problems with mold growing on all the carpets of the vehicle and I already had to pay XXXX to replace the evaporator core that was leaking which the dealership notified me that it was not covered, also having A.C problems. They A.C will not get cold and back under the front seats the bracket that makes vehicle move forward and back is all orange and rusted which gave me a clue that this car was in a flood. I also tried to trade in vehicle which they would not approve me for another vehicle. I took some time to research the vehicles VIN # and found that this vehicle was in the hurricane Harvey flood back in XXXX   which the dealership failed to disclose this information to me. Now I'm stuck having a 7.5 year loan paying almost 28000 dollars for a vehicle that's already breaking down because dealership did not notify me on the condition of the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: SC
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX have 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 : 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 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 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
Wells Fargo closed my account because of fraudulent activity in the year XXXX. 

I had a XXXX account opened afterwards and deposited money orders from XXXX. 
These money order added to the amount {$1500.00} and was never cleared into my XXXX  account and then had my XXXX account closed. 
I also never received any money orders or checks to claim my money because on top of the money orders deposited into XXXX they belonged to Wells Fargo Wells Fargo has my money that was wrongfully taken from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Atlanticus Services Corporation
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This fraudulent account was opened in my name I have been dealing with this issue for months I have filed several reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Per the Indiana XXXX website the lien holder listed for my XXXX XXXX XXXX  is BMO Harris Bank. I called BMO Harriss auto loan division to request a release for the title on XX/XX/XXXX. I requested the release electronically and was told I would receive it right away. I called back on the following Monday and was given no information about the status of my request for release, just that an additional release could be submitted and that it would be 4 business days. I called back on Friday ( XXXX XXXX and was given no information again from the first representative I spoke with, just that another release could be placed and it would take 12 business day. I asked if there was anyone else I could speak with that may have more information on the request or could help me expedite things as this is a time sensitive manner. I was not given any other options on transfer, no explanation, and no further help. The only response I received was Thats just the way it is and then the representative stopped responding to me at all. It was the worst customer service I had ever received. I hung up and called back to BMO Harris is hopes I would get more help from another representative, my second representative was able to see the status of my request, that it was unable to be processed and I was given a number to call with no further information. This number led me to XXXX XXXX, after speaking with multiple representatives they could not find any account or information about me. I was told by XXXX to reach out to the FDIC and then referred here by the FDIC. As of writing this I have still received nothing from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: MI
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:
These accounts aren't mine accounts and are fraudulent. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 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 and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 2023-01-27
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Paypal closed my account and they told me that I can not use it due to fraud but I am just using it to receive payments for my virtual assistant services and coaching services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Ive ordered a new card and I still have not received my XXXX BENEFITS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Harley Davidson Financial Services Inc
State: IA
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:
Credit report is stating inaccurate. Account status reports as Open with XXXX while Closed by XXXX and XXXX. Stating a pass due balance and consecutive Charge off as if it was some sort of payment method with missing date account was closed. There is no way that account is Open with one bureau but yet Closed with other two bureaus. Definitely account can not be stating a pass due with consecutive charge off on a dead account. I have not received a notice of sale up to this date. Account is definitely not following accurate protocols and I have the right to an accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent out a second dispute regarding 3 accounts on my credit report. I requested that pursuant to The Fair Credit Reporting Act 15 USC Section 1681, Experian send me the physical verification of the original signed consumer contract, the verifiable proof ( an original consumer contract with my wet signature on it ) and all documents included in each accounts file. On XX/XX/XXXX I received a letter from Experian stating that my second reinvestigation was complete. Experian failed to provide me with any information I requested in the second dispute and accounts were labeled as updated. This company has consistently violated the Fair Credit Reporting Act and continues to furnish unverifiable information on my behalf with out my consent. They assumed this role and are violating the Fair Credit Reporting Act by not completing a proper investigation. I have included all correspondence in an attached pdf that gives proof they violated my right.

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 2023-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
i have held this capital one account for 17 years. i have no lateness. my payments have been varying for the past few months and i am unsure why. this month, XX/XX/2023, i paid my bill early- on the XXXX. it was not due intil the XXXX. i paid from my bank 's billpay service. i paid {$110.00}. apparently, the amount due was {$110.00}. this was evidently a typo while entering the payment amount. i was not notified of this {$1.00} discrepancy by capital one. i happened to check my account today, the XXXX, and noticed there was a late fee. i called capital one to correct this error. i was told that the payment i made, which was early, was {$1.00} short. i explained that this was clearly a typo. the agent stated there was nothing she could do. she transferred me to someone who claimed to be her supervisor, XXXX ( employee ID : XXXX ). XXXX informed me that despite being a customer for XXXX and having no record of lateness, my account was flagged ineligible for a waiver of the {$29.00} late fee imposed for the {$1.00} typographical error. i asked to speak to XXXX 's supervisor and she state dthat there was no one in capital one higher than her. of course, this is untrue. i asked her to speak with a person above her to explain why my account was flagged in this way. XXXX told me that capital obe doe snot have to tell me why they make notations or decisions on my account. she stated that i had no right t know and that all she had to tell me was that my 17 year ols, no lateness account was " ineligible. '' she said its too bad that i- the account holder- don't agree and then she abruptly and rudely disconnected the call, refusing to transfer me to a supervisor- which she admitted that she was not ; and refusing to escalate the matter, per my request. first, it is unconscionable to charge a {$29.00} fee for a {$1.00} error. second, it is completely unacceptable to make adverse notations or flags on a customer 's account without notifying them. third, i get payment alerts so i should have been notified that the early payment was {$1.00} short. most importantly, it is WHOLLY UNACCEPTABLE for capital one to refuse to have supervisors available upon customer 's request, to refuse to escalate matters when the agent can not answer questions or resolve issues. and it is NEVER appropriate to hang up on a customer who is not beligerent simply because you don ; t want to answer their valid inquiry. where are our protections as consumers of financial products?? is this how citizens should be disrespected and bullied by corporations? is XXXX correct- do we have no right to know why adverse decisions are made on our accounts? that can't be correct- it is, after all, a contract, right? as such, it would seem that both parties have a duty to be transparent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I am being hit with a hard inquiry CAPITAL ONE Inquiry date of XXXX XXXX XXXX I never applied for any new cards on said date and this inquiry was not made by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent out multiple certified letters to XXXX, Transunion and XXXX XX/XX/2022, XXXX. Here are some of the USPS tracking Numbers. XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, XXXX. However, the Credit bureaus said the completed investigation, and everything was 100 % accurate. XXXX also quit sending me any other update on latest letters sent. 

According to the Law 15 U.S. Code 1681a- Definitions ; rules of construction. 
The term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talked to? 
How they completed this investigation?

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 2023-06-28
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX states that I was late for XXXX days in my file but I got proof that shows that I was never late the account was charged off in XXXX if the car was charged off where is my XXXX form at I never got that in the mail. Thats very illegal to hold funds that should have been on my XXXX taxes and I couldnt because this company never sent. They are colllecting a debt which I dont owe either. The car was paid off already. I demand that Experian, XXXX, and XXXX to review and remove negative informations that is hurting my report.

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 2023-06-27
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or 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 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 2023-08-15
Company: EQUIFAX, 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:
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 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. 
Inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation