BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : WELLS FARGO Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$110.00} Reason : Identity theft Please remove it from 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 non-monetary relief
Consumer complaint received 2020-04-08
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
remove the ftc violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lvnv funding llc XXXX XXXX XXXXXXXX same as lvnv vunding llc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Foris DAX, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have submitted documents to proof the virtual debit card is in my name, the company refuses to give me back my money I deposited, i have work with them and they have costed XXXX in lost trades. I have been frustrated, wages lost, because of my money being held. 

I have submitted the ORGINAL bank statement from the XXXX that they gave me and the refuse to lift my account restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: EQUIFAX, 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:
I am writing to delete the following 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 the charge. 

I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Upon leasing this vehicle I was never notified that I didnt have to make a down payment. I was told a down payment was mandatory to better my chances at getting the vehicle, so I paid in cash/debit. However, I learned today that pursuant to TILA does not include charges of a type payable in a comparable cash transaction that was false information given to me during that transaction. In addition, they repossessed a vehicle and failed to comply with regulations by notifying me of my right to rescind. This corporation did not notify me of my right to rescind they only told me I had to pay or surrender the vehicle. I have just became aware of my rights to rescind today XXXX, XX/XX/2022 & there is no statue of limitations on fraud. They never delivered such forms upon repossession. Now, even after the vehicle is repossessed and my rights withheld from me there is a third party collector consistently writing me to settle the debt with them for a total that is not 25 % of what the vehicle was worth. I did not sign a contract with this third party collector and I did not give them permission to have access to my information and they have no permissible purpose by law to contact their parties with my personal information. This is identity theft ( 18usc1028a ) They are subject to civil liability as well as deleting the derogatory item off my report immediately. Ive written them a letter today and sent it in the mail certified to notify them that I am aware of their failure to comply with these regulations which resulted in these multiple violations and demanded immediate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX Dear Capital One Bank, I am writing to demand immediate action regarding the freezing of my checking account that occurred in XX/XX/XXXX. This action has caused significant financial harm to me and my family, as well as led to missed payments and other financial hardships. 

As you are aware, the freezing of my checking account caused other external brokerages and banking institutions to also freeze my external accounts, leading to missed payments and delinquent credit card payments. This has caused additional fees and penalties, and further damaged my credit score. 

When I called your customer service department to inquire about why my account was frozen, I was informed that the only reason for the freeze was that I needed to verify my employment information. I had already verified my employment information through the Capital One mobile app just XXXX months prior, so this was a surprise to me. 

I demand that you take immediate action to rectify this situation, including restoring my full banking privileges and compensating me for any damages or losses I have suffered as a result of your actions. Additionally, I expect a detailed explanation for why my account was frozen in the first place, and how your actions have led to other external institutions also freezing my accounts. 

I am prepared to take legal action if necessary to resolve this matter, however, I would prefer to resolve this matter amicably and without further delay. 

Please contact me as soon as possible to discuss how we can resolve this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 was banking with boa and sombody forged a check in my name in my account I was charged with forgery for something I never did and went to court and I won the case was dismissed but Im now not able to get a checking or bank account ever since

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 2023-10-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Recently, my credit score has improved dramatically. I deal with two banks. One bank that is my primary posted my credit score XXXX points lower than the other. I realize that all credit reporting services have different numbers. But this low credit score.

Is rather dramatic compared to the other bank.

And that hurts my overall credibility when concerning financial matters.

For their part, the bank in question wash their hands of the issue. My contention is that if you have three or more credit scores from various services shouldnt there be an amalgam of the three averaged out to reflect your true credit score?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
A few years ago, Wells Fargo randomly opened another account under my checking. I believe it was a savings and then I ended up having them close it a few years later, but they opened it without my permission and also charged me different fees for things that I never signed up for.

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 2022-12-10
Company: Experian Information Solutions Inc.
State: VA
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 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.

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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 U.S.C 1681. 

Account numbers : 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Fact, 15 USC Code 1681 N, says Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I have been violated and abused under this notion.

Fact, Transunion is aware and has proof in attachment labeled as Exhibit A that Transunion is in violation of : 15 US Code 1681 N ( B ) 15 US Code 1681 N ( B ) Fact, Transunion is aware and has proof in attachment labeled Exhibit A that Transunion is in violation of 2 Federally Protected Consumer Rights willfully and knowingly, so they are civilly liable. 

Transunion has furnished information, an inquiry, on my consumer report that isn't in accordance with my consumer law.

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 2023-02-25
Company: AUTOMOTIVE CREDIT CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company is trying to collect a debt that is not even owed to them. I never signed an agreement with these people or have I signed any documents with these people. They keep putting this debt on my credit report and when i complain they take it off. This has been a vicious cycle that is causing irreputable damage to my credit profile. In addition to this when I called the company they admit that I do not owe them a debt ; however as you can see it is back on my credit report again.

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 2021-08-05
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX has sold my account to XXXX XXXX XXXX ( XXXX ) for collections. I have disputed this account with all credit bureaus. This account was paid in full through my XXXX bank account on XX/XX/2018 before account was even sold to XXXX. I have mailed proof of bank statement certified mail to all credit reporting agencies XXXX, Experian, and XXXX  as well as XXXX. Please assist me in seeing that this issue is resolved and account is removed from my credit file.

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 2022-11-04
Company: Experian Information Solutions Inc.
State: FL
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 U.S.C 1681. 

Account numbers : 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 2021-06-10
Company: MIDFIRST BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a checking account with XXXX on the XXXX of XXXX ( over three weeks ago ) motivated by a cash bonus for opening the account and completing some additional requirements. I have deposited over XXXX into the account. This institution does not have physical branches. I have zero access to my money or account through their app or website. I have not had access virtually since I opened the account. I know my user name and password with 100 % certainty. When I enter them it does not tell me they are incorrect. It says I can't login right now and to call customer support or something vague like that. Even so, I tried to reset the password multiple times. When I enter my information to reset the password it tells me there is not a user with that info. They have admitted fault in this issue. They told me that a batch of user accounts were accidently deleted. It has been weeks. Every time I call ( at least 3 times ) they tell me they are working on it. Then a week goes by and nothing happens. I have no access to the XXXX and they can not fix 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 2021-05-17
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not dispute the debt. I have told all creditors multiple times that I have been out of work since late XXXX. I have exhausted all potential job possibilities and I am awaiting Social Security benefits to begin XX/XX/XXXX. Continued daily calls serve no purpose and I formally requested a cease and desist on or around XXXX of XXXX. The month of XXXX the calls started coming daily again. Monday, XX/XX/XXXX, I again formally requested a cease and desist. Once again the calls started this morning, XX/XX/XXXX. I call the creditor, Pentagon Federal Credit Union to remedy the situation. After voicing my concern to the representative, I was placed on hold. After approximately five minuets the call disconnected. 

I am exercising protection provided by the FDCPA.

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 2023-04-09
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
There is a man named XXXX XXXX, his emails are XXXX and XXXX, he has attempted to open bank accounts and credit cards with many banks under MY address, i do not know who he is, i have never met him, he does not live at my address, i live here alone. My address is XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. My name is XXXX XXXX. So far XXXX, XXXX XXXX, XXXX XXXX XXXX  have denied him since they couldnt verify his identity or residency with public records. But discover has approved him, his bank account # with discover is XXXX. I called discover to tell them that this is address fraud and they told me there is nothing they can do since the account is not my account. They also refused to tell me how the company verifies residency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Choice Recovery violated Public L aw 95-109, Section 805-C, THE FAIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST.  THEY DID NOT CEASE AND DESIST AS THEY DID NOT REMOVE THE DEROGATORY INFORMATION FROM ALL OF THE CREDIT REPORTING BUREAUS FILES.       I was advised by the credit bureaus, th at Choice Recovery placed the account for collections per attachment.      I submitted per attachment under Public L aw 95-109, Section 805-C, THE FAIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST in any and all attempts to collect the above debt. Pursuant to the Fair Debt Collection Practices Act. 15 U.S.C.A 1601.1692 et al, and to remove  the derogatory information on my credit bureau files.       CEASE AND DESIST in any and all attempts to collect the above debt. Pursuant to the Fair Debt Collection Practices  Act. 15 U.S.C.A 1601.1692 et al,  and to remove all derogatory information on my credit bureau files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
" THIS IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. IAMFILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TOTHELETTER OF THE LAW '' XXXX, TransUnion, XXXX XXXX XXXX XXXX are failing to comply with FCRA laws. I have filed a police report, an identity theft report & reporting I was a victim of identity theft to all parties. The following accounts were opened without my knowledge, authority or consent & I need them blocked from my credit file & internally with XXXX XXXX. I'm again attaching a police report, identity theft report, my photo ID and local address document. Please see the following information is removed from my report. XXXX XXXX Accounts # XXXX, XXXX & XXXX. Also the following address is not mine XXXX XXXX XXXX XXXX XXXX & there is some social security which is not mine either - XXXX. Please see that all this information is blocked from my records...

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 2022-12-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
A modified loan was made, I > payed {$500.00}, and an additional loan, XXXX XXXX  resulted, XXXX because of the fraud not handled. I was told by XXXX for the XXXX next 4 months not to send in the payment, wait for the > papers to come in the mail, and XXXX I owed nothing. At the XXXX same time I was being called in the XXXX month, that I was > behind XXXX payments. The agent saw the file, and said, no, I > was fine, and do not pay until the loan papers came, and I > owed nothing behind. Fraud, misinformation, resulted in > foreclosures, higher payments, additional loan. I was > victimized and I recently~ applied for FHA loan, but XXXX  has > late payments on m~ record. If XXXX took this off, I could > pay all of the loan ir 20 days. If XXXX  gave me a letter XXXX addressing what happenned to me, I would qualify for the FHA XXXX loan. > Print - Close

Company response to consumer: Closed with explanation