BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus dated XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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:
Someone is using my identity in the state of California, I have already reported the fraud to the state police, IRS, S.S., and the different credit companies. All new accounts are related to this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have never lived in California, much less have family in that state of the nation. All these last 25 years living in the city of XXXX, Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was called from Wells Fargo number that matches the phone number on my card on XXXX and they proceeded to ask me about some out of normal purchases that were suspicious That was used from a XXXX and a tablet in XXXX Ca and of course I said no They sent me a text that was identical to Wells Fargo to identify and to provide the number to identify the account. They put me on hold and then came back and asked me if I knew XXXX XXXX and I said No and before I could even catch it they wired transfers the money. I tried to stop the wire but wasnt able This is definitely an inside Wells Fargo scam. I called at XXXX XXXX on XXXX to alert Wells Fargo and file a fraud claim I was a victim of wire fraud and wells Fargo is to blame for not catching the wire I called the next morning to try to have them reversed and Im waiting

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 2023-11-22
Company: Cascade CISS Holdings, LLC
State: NY
Product: Credit reporting 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 have no knowledge of these inquires, listed as - XXXX XXXXXXXX XXXX XXXX XXXX - credit plus - XXXX XXXX ( target ) - XXXX ( XXXX XXXX ) - xactus llc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Netspend Corporation
State: OH
Product: Prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I attempted to use a check I received from my bank to move my money into another account and the check declined and my bank kept the money it disappeared from my account and was never seen again. The banks Name was Skylight One NetSpend.

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 2023-08-10
Company: KEYCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX of 2023 my Debit card with Key Bank expired. I called and asked them for a new card. That replacement card never arrived to me, it was stolen, activated, and all of my money was taken fraudulently from my account. Unaware of this, because Key Bank would not give me access to my online banking without the aforementioned stolen card details, I was unable to report fraud. Over the course of XXXX and XXXX, my debit account was completely robbed of $ XXXX while I was not able to stop it, because Key bank would not give me access to my online banking, and their physical branch would only mail me a card. When I finally was able to cancel the card, a new card was sent to a secure address.Then I was finally able to access my online banking, and low and behold all of my money had been stolen. When I filled a dispute, clearly outlining that it was not possible for me to be the person using the card, because I was in Hawaii for all of the transactions that were happening physically in Washington, XXXX at the disputes department told me the investigator had already made their decision, and that they would not allow it to be reopened. The company will not allow me to explain my case over the phone or by email to the person in charge of making the decision, nor will they allow me to submit further information that could help my case. They also will not tell me what documentation to send in that will prove my innocence. Long story short, that have decided guilty until proven innocent, but they wont take my documents to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: LEXISNEXIS
State: GA
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:
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.

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 2023-08-26
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Westlake Portfolio and US Auto Sales have both overcharged me for gap insurance and have never taken money off of the principal mo ey on my loan. I borrowed {$20000.00} and after over 2 years of XXXX XXXX monthly payments and {$150.00} gap insurance coverage my balance e is still XXXX {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX has a fraudulent account on my transunion credit report, this account sss open in my name from information that was leaked on the dark web, I am a victim of identity theft and fraud, this account needs to be removed immediately, Ive already disputed this account, XXXX is changing accounts numbers and constantly trying to collect on an illegal account that does not belong to me please remove this account from 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 non-monetary relief
Consumer complaint received 2018-08-17
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in response to your recent claim regarding Acct # XXXX, which you claim I owe {$1000.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. Please note as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$5000.00} in damages. You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hey this is XXXX XXXX my date of birth is XX/XX/1982 and I'm submitting this complaint myself and there is no third party involved. I'm writing this complaint based on the bureaus failing to respond to my letters. I have been trying to get in contact with Transunion for the past 45 days and I have not received not a single response for the past 45 days. Please respond to my letters.

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 2023-09-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX  Account # XXXX Because I can't seem to find any please provide proof that I've ever been late on a payment to this account. In the event that you are unable to produce evidence of a late payment, you need to change the status to paid on time every time ( s ). 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 

They claim to never get payment in XXXX but I got a statement proving the received

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: Experian Information Solutions 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 status incorrect

Complaint:
Incorrect information is being reported Account name : XXXX Account # XXXX Account is being reported with an inaccurate date of last activity. Delete for inaccurate data being furnished on my credit 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 2018-08-17
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Unauthorized & unethical withdrawal of funds in the midst of paying not delinquent on time payments after speaking to several agents who assured & misinformed me of procedure. While literally in the middle of making on time payments, NFCU accosted funds on non pass due accounts. I use the " XXXX fund method '' of managing debt & so my young child 's lunch money account would not be affected by NFCU 's often egregious unauthorized access I was told by an NFCU agent to simply move any funds not owed into my Savings account. Unbeknownst to me until after my son 's school accounts were paid by check, upon reading a myriad of other complaints against NFCU 's underhanded practices, I checked my account, only to find that I was intentionally given misinformation by an NFCU agent. On  XX/XX/XXXX around XXXX EDT hen I inquired about this - & several other issues - that seemed to contradict info given me, I had several agents agree & transfer me to a supposed Supervisor who was rude & abrupt & hung up on me before I had an opportunity to even ask a single question. Ever bit of my XXXX  school age child 's lunch funds stipend of {$60.00} plus dollars had been taken without authorization leading to the epitome of un-integrity. To have a supposed Supervisor whose very job is to serve customers, hang up on me so abruptly was inconceivably unprofessional, especially in an organization owned my members. I had the names of every previous agent, yet when attempting to find out who said rude, unprofessional, utterly unconcerned NFCU agent to make the deplorable treatment known to her department head, all of a sudden there was no one willing to do their jobs & connect me with the agent who perpetrated such utterly incomprehensible action. There is ABSOLUTELY NO excuse for treating ANY customer in that fashion, & I will leave no stone unturned to have that lacky made accountable for her actions! Her treatment was UNACCEPTABLE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I purchased a refundable online real estate course. 

Within about two days without accessing any of the course content I reached out to the company and told them I made the purchase too fast and wished to get a refund and sent them a screenshot of their refund policy. 

They initially tried to talk me into staying and even went as far as changing there refund policy which I have proof of via the archive website. Heres the link. https : XXXX : XXXX You can see what there refund policy was on XX/XX/2023. 

After I confronted the business about them changing there refund policy and threatened to dispute and open a complaint they responded, refunded. Will remove access today After the payment cleared I immediately put in a dispute with my credit card company. Citi. 

They recently resolved the the dispute in favor of the merchant even though I have email proof that they stated they would issue the refund and I also have screen shot and digital proof from the archive website showing that they changed the refund policy to no refunds to try and get away with not giving me a refund.

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 2023-08-26
Company: Resurgent Capital Services L.P.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
I have repeatedly told these companies, the account have fraudulent activity and Im a victim of identity theft and accounts and charges arent mine 15 U.S. Code $ 1681c-2 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. 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: PA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX .... Balance : - ; XXXX  XXXX .... Balance : - ; XXXXXXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX  XXXX .... Balance : {$850.00} ; XXXX XXXX  XXXX XXXX .... Balance : {$100.00} ; XXXX XXXX  XXXX XXXX XXXX .... Balance : {$720.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$3000.00} ; XXXX XXXX XXXXXXXX Balance : {$5000.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; PA XXXX XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2023-11-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received a letter in the mail from Chase stating that a XXXX XXXX XXXX credit card I applied for was denied. I did not apply for this credit card. Ref number is XXXX. I called Chase after calling XXXX XXXX to let them know it was a fraud. I was instructed to file a complaint with you as well. I was on hold for XXXX minutes for Chase and no one ever got on the phone to handle this issue.

Company response to consumer: Closed with non-monetary relief