BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: DE
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: WELLS FARGO & COMPANY
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:
On XX/XX/XXXX I purchased a vehicle from XXXX XXXX which was a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. So I have several late payments that are not suppose to be on my credit report according to XXXX XXXX XXXX under exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not includea report containing information solely as to transactions or experiences between the consumer and the person making the 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 2022-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 my Bank of America card was charged in XXXX separate transactions, one for {$110.00} and one for {$59.00}. These charges were for a company called XXXX XXXX, which I had never heard of before. I had a third charge I did not authorize, this one for XXXX XXXX for {$35.00}. I reported these fraudulent charges to Bank of America and they recognized the charge for {$35.00} as fraudulent but disputed that the two charges for XXXX XXXX were fraudulent. I have told them I did not authorize these charges or ever order anything from this company but they are adamant that I received products from this company. I did receive several bottles of vitamins or diet supplements but they are not a product that I ever ordered. I contacted XXXX XXXX to see if they had any record of me as a customer and they said they had heard from many other people that a similar chain of events had happened to them, that they'd charged by a third party and shipped supplements they did not order, and their cards were charged through XXXX XXXX. XXXX XXXX itself seems to be a victim of corporate identity theft with a third party scammer using them and sending actual items to some consumer victims. To date Bank of America has not refunded these charges because the scammers were able to show that they shipped me a product, never mind that I never ordered the items and that the price charged is much higher than their actual value. I have filed a police report and am filing a complaint with the CFPB on the advice of the person at XXXX XXXX that I spoke to. Bank of America originally recognized my fraud and refunded the charges but later reversed their decision and re-placed the charges on my card.

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 2022-04-12
Company: EQUIFAX, INC.
State: MD
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Consumer Portfolio Services, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, 2023 a inquiry from this company ( s ) was pulled from my credit without my notice or authorization. I did not apply for anything with these company ( s ), I believe I was a victim of fraudulent activity. These unauthorized inquiries have negatively affected my credit score and my ability to acquire credit. I need these false items removed from my credit report as soon a possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Consumer Portfolio Services, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I've sent consumer portfolio services a cease and desist and an affidavit of truth invoking my rights. The entire loan was fraudulent and violates my consumer rights on multiple occasions. I have proof and exhibits. Pursuant to 15 USC 1692E ( 4 ), " The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. '' They have no right to take a vehicle that I own rightfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: EQUIFAX, INC.
State: NJ
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: Problem getting your free annual credit report

Complaint:
Equifax only cares about their profit. They are a publicly traded company that only cares about their profit. I have tried to pull my free credit report from XXXX XXXX XXXX and I have attached the error in image 1. XXXX shows my score as XXXX but this is far from the reality. If I request my free report I get the attached error but if I pay equifax for my report I can get it immediately. I have also attached images of equifax reporting me 90 days late for the same student loan 28x. Yes, the same {$3000.00} student loan being reporting late 90+ days 28 times. When I paid the loan off I was told I have a one time chance to have the negative marks removed so I took it. I paid {$2400.00} so I could fix my credit but now I am out of {$2400.00} which I really needed to survive during covid. Not only am I out {$2400.00} but I am unable to find an apartment and can not even finance a car to travel or possible temporarily live in because 28x 90+ day marks show up on every report. Please help I am trying to do everything right. Attached images are 9x 90 day late and the other is 19x late. Same student loan and if I try to contact them they send me to someone else over and over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$1000.00} Account Type : Charge Off This company has failed on XXXX  occasions in the past XXXX XXXX to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Proof of XXXX of XXXX Requests were ignored by the company since 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 2021-10-07
Company: Santander Consumer USA Holdings Inc.
State: SC
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:
Car was purchased in XX/XX/XXXX and was in an accident resulting in a total Loss in XX/XX/XXXX. This account was included in a LAWSUIT filed against the company in which the loan and any balance owed was to be deleted from my credit report due to a determination Santander used unfair predatory loan charges to low income and subprime credit customers. The settlement with Santander stated it will resolve allegations that the bank violated consumer protection laws by putting subprime borrowers into loans that carried a high probability of default. Instead of doing so and removing this account from my report, it is inaccurately STILL REPORTING, affecting my score and has recently been updated to state closed as of XX/XX/XXXX is is absolutely NOT TRUE. I would like this account removed immediately or there will be legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: DISCOVER BANK
State: CO
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:
So I made a credit card payment of {$200.00} which posted to my account on XX/XX/XXXX. The running balance showed {$1500.00} after that {$200.00} payment. See attached photo. Fast forward to around XX/XX/XXXX or so I went to make my payment for XXXX. This is when I noticed the discrepancy. My running balance was still showing {$1500.00} yet my statement balance showed {$1700.00}. I contacted customer support and through multiple conversations with different representatives, supervisors, ect none of them where able to explain the discrepancy. I sent in the screenshot of what I was talking about and then I received an email on the XXXX of XXXX stating that per my request the dispute had been resolved and dropped. I then reached out again to customer service and informed them that I didn't resolve my dispute nor had I said anything along the lines of wanting to drop my dispute. When I inquired about me dropping the dispute and how that all came about I received a sympathetic message from a representative through the text message portal that let 's you speak with live agents. However, despite the sympathetic text the agent still couldn't answer my questions. They never did answer or were able to answer my initial question of why there was a {$200.00} discrepancy. I recieved one answer saying that the difference between the two was because they had issued me a temporary credit of {$200.00} and that is where the {$200.00} discrepancy came from. I pointed out that the running balance I was referring to was screenshoted on XX/XX/XXXX and that it showed {$1500.00} yet my statement balance showed {$1700.00} and this was all screenshoted before I even initiated a dispute. I then went on to have several other conversations with different representatives and one thing was always consistent. They were never able to answer my question and explain how or why I had two different balances showing which has been extremely frustrating and I now am starting to think I'm getting screwed out of {$200.00}. I've attached a screenshot from XX/XX/XXXX showing the balance in question as it shows {$1500.00}. I then have a screenshot from today XX/XX/XXXX showing my running balance after a payment of {$200.00} posted yesterday. I also included emails concerning when I initiated the dispute and an email telling me of my case being dropped when I had never asked for it too be

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX I received a text message from Wells Fargo stating if I wanted to authorize or deny a transaction of a XXXX withdrawal from my savings account. 
I denied by texting NO as I wasnt attempting to remove any money from my account. 

Immediately after this text I received a series of phone calls from an unknown number. 
A ( scammer ) but what I thought was a legitimate representative calling from Wells Fargo told me I needed to protect my savings account as someone was attempting a XXXX transfer of {$3400.00}. I clearly stated that I did not authorize or attempt this transaction. 

The representative stated that someone from MO was attempting to use my bank account to Make other purchases as well. 

This representative told me I needed to send the entire amount of my savings account back to myself using XXXX, otherwise my money could be lost, as the transaction didnt go through yet. 
The representative walked me through the steps to send my money back to my account when in reality my money was being REMOVED from my account. 
After the phone call I checked my account and my balance was {$0.00}. I immediately contacted Wells Fargo and learned I was scammed out of {$3400.00}. 
Wells Fargo informed me that both my accounts were compromised and I changed all my passwords and online information. 
A new debit card was sent to me and my savings account was closed. 
I placed a claim with Wells Fargo that same day and they advised me after an investigation they would make a decision regarding my claim. 
I was told if there was fraud I would get my money back. 
On XX/XX/19 I contacted Wells Fargo online fraud department and they said the investigation was complete and i although there was fraud I made the transactions myself and could not get my money back. 
In conclusion, money in a bank is supposed to be FDIC insured. 
I am a single parent who was scammed out of my XXXX  XXXX money which was all in my savings account with no way to be reimbursed by Wells Fargo. 
Id like a review of Wells Fargos decision making process regarding this issue. 
My Wells Fargo claim # is 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 2022-04-11
Company: EQUIFAX, INC.
State: NV
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, XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 was directed to the XXXX XXXX XXXX with XXXX Bank to finance my dental work totaling approximately {$7000.00}. The dentist directed me to the on-line prequalification site to see if I would be approved without going through the formal process. The prequalification denied my credit so I tried to add my mom to the prequalification site as a co-signer. That prequal was denied also. Based on the wording on the website there were just a few questions and the inquiry would not impact my credit score. Within days XXXX XXXX  sent the denied credit to the 3 credit agencies and my score dropped between 3-9 points. When I contacted XXXX XXXX they said nothing could be done. Their claim 'to get a decision in seconds with no impact to your bureau credit score ' was misleading. Neither me nor my mother accepted the offer, which according to the site may then impact the credit score.

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 2020-03-27
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:
I have an ongoing dispute with XXXX XXXX XXXX XXXX  which is on file with this agency and a brief synopsis is as follows. 

XXXX XXXX XXXX XXXX  XXXX. claimed they loaned XXXX XXXX XXXX money on a credit card. I later learned they only put a credit on the Card. in other words XXXX XXXX XXXX XXXX  XXXX. lent me its credit and did not lend any real money or assets of the bank.This is against the law both in Federal and state law. Because of this deception and fraud I cancelled this account. 
XXXX XXXX XXXX  XXXX. then changed the account number stating that My Identity had been compromised, and reported it to Experian XXXX XXXX as late.In my opinion this was a ruse to draw attention away from the original account. XXXX. XXXX XXXX XXXX   XXXX. violated California Statute of fraud in contracts. California Civil Code 1624.1 I have requested accounting from XXXX. XXXX XXXX XXXX  XXXX. from XXXX XXXX over 5 times requesting proof of accounting that money was loaned and credit not lent. XXXX XXXX XXXX  XXXX. has refused to answer my respectful requests. 
Both XXXX. XXXX XXXX XXXX XXXX. and Experian XXXX XXXX violated the law which was clear the dispute was made under 15 U.S. code 1692 et seq. I have written to letters to XXXX XXXX CEO two times and XXXX XXXX V.P. and general counsel asking for proper investigation and proof that XXXX. XXXX XXXX XXXX  XXXX. actually had a real monetary consideration showing proof that real money was loaned to me. Experian who I think may be complicit in all of this simply said that XXXX XXXX XXXX XXXX  XXXX they certified the account as being late, but never addressed my request for proof of consideration or proof that real money was loaned. I am sending this complaint in hopes this will compel Experian XXXX XXXX to do its job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: Santander Consumer USA 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:
I know my rights and which is wrote in 1681b, where I did not give permission or concerns to this company to get a hard inquiries copy. XXXX XXXX XXXX/XXXX/2020

Company response to consumer: Closed with explanation