BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-05
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
ON XX/XX/2019 I APPIED FOR THE XXXX XXXX XXXX BY XXXX XXXX, THEY PULLED EQUIFAX AND AS A RESULT DENIED ME BECAUSE I HAD NO SCORE SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-08-17
Company: Payward Ventures Inc. dba Kraken
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2023 through XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Kraken account to a fraudulent investment firm..

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 2019-12-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received an email purportedly from Experian about multiple attempts to access my account. I do not respond to emails that ask me for passwords, so I tried to contact the company directly. It turns out that there is no way to get a person on the line and none of the automated categories addressed the problem. The company collected my social security number multiple times but never was I able to find out more about the issue. Colossal arrogance on the part of this 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 2023-12-05
Company: Elly, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a company named Advanced Business that is taking money from my account Biweekly since before XXXX. I remember making an agreement with them to pay off the debt paying biweekly in the amount of {$10.00} one week and {$15.00} the next week. At that time I didn't know that I needed to ask for a validation letter. I also didn't know that they were required to send me a letter before every transaction they make in my account. First payment was XX/XX/XXXX until XX/XX/XXXX when I called the bank to stop payment. I just assumed that the biweekly payments were for a debt until I recently talked to another debt company I was paying and found out that they are required by law to said a letter through the mail for every payment that they take. I went and looked on my statements for all the charges from the company and the company information. I found that the company shows on my statements as Advanced Busines XXXX. I tried to call the phone number and it just rang and hung up. I tried to look for the company on the internet and called a few with the name that starts with Advanced Business but none of them were debt collection agencies. Going through the bank I found that the company took a total of {$930.00} from XX/XX/XXXX. This doesn't even include the many overdraft fees I got in my account at {$35.00} each that came from these fraudulent transactions. The exact dates the money was taken is as follows : XXXX : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I found that in XX/XX/XXXX is when they stopped taking {$10.00} one week and {$15.00} the other and only took {$15.00} every week. My bank created a fraud report and reimbursed me for the last payment made of {$15.00}. I have attached my last back statement I received. If I need to get every bank statement back to XX/XX/XXXX, I will and that will also show all of the overdraft fees accumulated.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-25
Company: WSFS FINANCIAL CORPORATION
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Friday, XX/XX/XXXX, my daughter and son-in-law received a call from someone falsely impersonating their son stating he was in a car accident in XXXX, NJ and needed bail of {$9000.00} and to contact the financial rep and court attorney for his release. In a state of panic, we were contacted by 2 people impersonating a court attorney and bails bond person ( going by the name XXXX XXXX ) who instructed us where to wire the money to a XXXX account in XXXX, NY. I wired from my WSFS account located at XXXX XXXXXXXX in XXXX the money and we were told my grandson would be released. No more than an hour later, we found out it was a scam and I contacted the bank immediately to try to stop the wire transfer. I spoke with XXXX, from WSFS and he quickly put a fraud alert on my accounts and stated he was contacting my branch directly and that I would need to close my account and open new ones. I also filed a police report with XXXX XXXX XXXX and my daughter filed a complaint with the FTC. Saturday, XX/XX/XXXX, I received a call from the branch manager and was told that my money did not get transferred and someone on the backend was able to catch it and asked for me to come in to close and get new accounts due to fraud. I went in that day and sat for 2 hours with the branch manager updating my accounts and she assured me that my money was still there and was not transferred and that they were able to catch it. I was relieved but traumatized by this experience as I am a widow on a fixed income. On Tuesday, XX/XX/XXXX, I was shocked to receive a casual phone call from a teller at WSFS stating that unfortunately my money was transferred to the scammers account and they werent able to verify because the Wire department was not open on Saturday!! I was infuriated! They assured me several times that my money was safe and didnt go through. I asked to speak with the manager and she was unapologetic stating the same thing. I was contacted by the Regional Manager who basically said they gave me the wrong information and that unfortunately the money went directly through that Friday. I told them they had dropped the ball and I was assured my money was not transferred. I dont understand why no more than an hour after we found out and contacted them about the fraud that more wasnt done. No one from WSFS even attempted to contact XXXX where the fraud initiated from. I am extremely upset and will continue to fight this.

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. 

XXXX XXXX  # XXXX has 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 : 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 non-monetary relief
Consumer complaint received 2021-10-09
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I pay the balance of my Chase Bank XXXX XXXX credit card ending in XXXX online each month. A small balance was due on XX/XX/XXXX. On XXXX XXXX I attempted to sign-in to my account to initiate the payment but was blocked by a message that my computer was not recognized. Apparently, when I recently reinstalled XXXX on this 3 year old computer that made it appear to be a different device. 

The Chase security program asked for a cell phone number to text or call me with a so called verification code. The code would reauthorize my account and allow me access. Another option for Chase was to email me the code but there was no place to enter my email address. In desperation I called the telephone number for customer service. The customer representative said I could not be verified without a call or text to a cell phone. It made no difference when I mentioned my cell was damaged and had not yet been repaired. So I asked for a call to the landline at my residence but was rebuffed. " We can't do that, '' she said. 

I mentioned that my balance was due in 2 days and I wanted to pay timely to avoid a late charge. The customer service rep said she would have another person in security call me within 48 hours. I did not receive a call on my landline from Chase. I was forced to use the bill pay feature of my checking account at another bank to pay the balance. 

I tried to access my credit card account today and encountered the same situation. I would like to be able to access my account in case there is ever a need to dispute a charge. Currently, I have no access and Chase has done nothing to assist me. Other institutions do not require a cell phone to bank with them. For verification they ask for answers to security questions the customer has selected and provided the answers. Why Chase could not follow suit, since they have security questions for me and the answers on record, is ridiculous and unfair to the customer. Not everyone wants or needs an expensive cell phone or the ability to send text messages. I'm XXXX and living on a fixed income. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 who 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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-10-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, received a letter stating there was a balance transfer of {$2700.00} to XXXX XXXX XXXX, a second letter stating another balance transfer of {$2000.00} to XXXX XXXX XXXX.I called immediately, Wells Fargo cancelled my card and reissued with a new number. I was told the claim would take 15 to 30 days. Called them on XXXX, they said they would open a claim, called on XXXX, told the claim wasn't filed on XXXX promised a letter in 7 to 10 days, called on XXXX now it will take 30 to 45. Told my name or Social # was linked to these two account. Told to check with the two other banks, I have called both XXXX XXXX and XXXX XXXX, they both said that my name and Social # are not linked to these account. Wells Fargo told me to get written proof from these banks. I faxed the request to both bank. Both banks have told me this isn't the way things are handled. I faxed requests to both banks. On XX/XX/XXXX, XXXX XXXX called, we got on a conference call with Wells Fargo to confirm my namer is not linked. Wells Fargo said that they would open another claim. I have a letter, which was emailed to me, dated XXXX, saying a claim was opened and should take 15 to 20 days. On the XXXX phone call Wells Fargo said the claim was denied on XXXX. One person at Wells Fargo said they would open a claim for me, investigate and then just deny it.

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 2020-01-17
Company: EQUIFAX, INC.
State: NJ
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:
THE DISPUTED ACCOUNTS AND INQUIRIES ARE NOT RELATED TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS MUST BE PURGED OFF MY CREDIT FILE. THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT AND I WOULD LOVE THOSE TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: ALLY FINANCIAL INC.
State: NH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023 I submitted COMPLAINT ID XXXX wherein I demanded " Access to my account. Every and all bank statements mailed to my address. ". 

On XX/XX/2023 Ally Bank responded me to refer to their policy on XXXX accounts which states in section XXXX. on page XXXX and XXXX : " As the XXXX, you agree that once we have reason to believe that the minor on the account has reached the termination age under applicable law, we may, but arent obligated to, take any or all of the following actions with respect to the XXXX or XXXX account without further consent or direction from you : Limit access to the account Restrict any deposits into the account Restrict any debits, withdrawals, or transfers from the account Communicate with the former minor regarding the account, including by providing them with account and tax statements Accept instructions from the former minor regarding the account ; and Pay account funds to the former minor '' On XX/XX/2023 I called Ally Bank and provided instructions to provide me full and exclusive access and administrative control of my XXXX account. Ally Bank refused to do this, violating their own policy. I requested to speak to their Legal Team and I was told I can only do this in a court room.

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 2021-07-24
Company: Experian Information Solutions Inc.
State: TX
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:
On or about XX/XX/XXXX I received notice from Experian that my available credit had decreased for my XXXX XXXX account ending in ... XXXX. A login and perusal of my Experian credit file revealed that my XXXX/XXXX  account reported the following information : Account type NA Responsibility : Individual Date opened : XX/XX/XXXX Status : NO STATUS. 
Status updated : XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment : NA Credit limit - Highest balance : {$0.00} Terms : NA Spoke to XXXX ( XXXX ) on XX/XX/XXXX who verified that none of that information was accurate and immediately reported the correct information to Experian, while I disputed the inaccurate information with Experian. On XX/XX/XXXX, Experian sent me an email saying the following : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
A review of my report showed the same inaccurate so I contacted XXXX and spoke to XXXX. He verified my conversation with XXXX and suggested I call Experian at ( XXXX  ) XXXX-XXXX  which DOES NOT provide access to a live representative. XXXX confirmed that XXXX 's information reported to Experian on XX/XX/XXXX indicated a credit limit of {$5100.00} and an available balance of {$2700.00} with an account opening date of XX/XX/XXXX. Experian has a duty and responsibility to accurately report information supplied by a creditor and not a lie saying the verified the information. XXXX can be contacted at ( XXXX  ) XXXX-XXXX  to verify the information that should be reported by Experian.

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 2022-02-25
Company: American Credit Acceptance, LLC
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My truck was totaled and paid in full to American Credit Acceptance from XXXX XXXX. The truck was totaled on XX/XX/XXXX and paid in full to their office over the phone by XXXX XXXX on XX/XX/XXXX. I still get daily emails from them about an overdue balance. I paid the late fees {$100.00} XXXX days ago also and that hasn't been updated either ( which I realize could take longer to process ). I have contacted them on numerous occasions and the keep telling me that they still haven't recieved payment. I have told them multiple times that I have the invoice stating it was paid in full on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( 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 have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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