BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was mailed a check to an old address from the Tennessee Department of human services child support division on XX/XX/XXXX. The check was a check from the Tennessee Treasury department for federal tax intercept from non custodial parents arrears in the amount of {$4800.00}, for past due child support arrears. 

The address that the check was sent to was XXXX XXXX XXXX, XXXXXXXX XXXX., i moved from that address in XXXX, and moved from XXXX XXXX XXXX of XXXX to XXXX . I have been living in XXXX from XXXX to the current, However someone at the previous address in XXXX cashed the check at Wells Fargo Bank. I found out thru the non custodial parent that her federal tax was intercepted and sent to the XXXX XXXX XXXX Address. 

So I contacted the Tennessee Department of Human Services Child support division, and I was told that there was a check sent out and that the check was deposited and cashed at Wells Fargo Bank. 

I filled a fraud claim with the Tennessee department of human services child support division and filled a sworn affidavit, with my signature and state of XXXX drivers license. 

I was then mail a copy of the sign check which was deposited into Wells Fargo Bank the wasn't even close to matching my signature because I have a very unique signature. 

It's been a little over year now, I have continually contacted the Tennessee department of child support thru phone they keep telling me that Wells Fargo is NOT responding to them, and I'm somewhat frustrated because I signed sworn affidavit stating that there was no way that I cashed the check, I do not bank with Wells Fargo and never have, the signature obviously doesn't match mind and so I really need you help. 

Thanks in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: NY
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:
XXXXm honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. These items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination.

Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXXXXXX 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 2022-02-19
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There are 2 complaints for Ally Bank. 
COMPLAINT 1 On XX/XX/22 I mailed a deposit to Ally. This is a normal monthly occurrence. On XX/XX/22 I received a call from Ally asking me for sensitive account information as there was a problem with the account. ( This is the basis for the 2nd complaint described below ). 

I refused to give the requested info and then called Ally on their XXXX number. 

The problem is Ally could not read the account number on the check I had mailed them and could not deposit it into my account. On a conversation on XX/XX/22 I read the Ally rep the account number. I was assured this would clear up the problem. 

As of XX/XX/22, at the time of this complaint filing, the check has not been deposited to my account and there has been no communication from Ally as to its status. 

I need the check deposited or returned to me. 

COMPLAINT 2 This complaint deals with the method in which Ally contacted me. The initial call from Ally ( XX/XX/22 ) sounded like a " phishing '' call. The rep said there was a problem with my a/c but I would have to provide sensitive info to identify myself. That is always a warning. 

Later that day Ally sent me an email to my XXXX account asking me to contact them. 

When you call Ally there are inordinate wait times to reach a representative. On XX/XX/22 I called at XXXX and had a wait time of XXXX minutes before getting disconnected. I call again later and had a wait time of XXXX hr and XXXX minutes. This was the call that I was told the matter would be cleared up. 

Ally has a secure web site with a " chat '' button. When clicking it over numerous days it did not work. 

Also on the Ally website there is a " secure message '' feature. I used that secure message feature and have sent Ally 3 messages ( XXXX, XXXX, and XXXX ) regarding this matter. Notwithstanding there website claim of responding to these messages within XXXX days, I have yet to be contacted by Ally on this matter. 

In summary, Ally engages in a dangerous " phishing call '' making people feel confident in giving sensitive account info on a phone line to a stranger. Ally has available a secured messaging system to do the same thing but does not initiate contact with the customer using this method nor do they reply to customers that use it. Ally does not allow users to converse via secure chat even though they have a chat button on their website. Ally does not provide a fast and secure method that allow customers to communicate with the bank for problems such as these.

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 2023-04-04
Company: EQUIFAX, INC.
State: AZ
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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.

The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : XXXX : XXXX 4. The following personal information is incorrect Account Number : XXXX : XX/XX/XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : XXXX  : XXXX XXXX 9. The following personal information is incorrect Account Number : XXXX : XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: ECMC GROUP, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2022-02-18
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX / XXXX / {$0.00XXXX XXXX XXXX / XXXX / {$2400.00} XXXX XXXX XXXX / XXXX XXXX {$570.00} XXXX CARD / XXXX / {$880.00} 15 U.S. Code 1681XXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2022-02-19
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:
n accordance with the Fair Credit Reporting act Experian, 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 XXXX XXXX  has been reporting inaccurate information on my credit report. 
and the credit bureaus won't delete the account thats in violation of my rights I am a victim of identity theft. I disputed fraudulent inquiries on XX/XX/2022 and Experian won't remove them either. This is defamation of character.

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 2016-03-20
Company: Exeter Finance Corp.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/XXXX SS # XXXX EXETER one has agreed to remove the unauthorized inquires from my XXXX report. I did not apply and have no credit with these people. 

EXETER XXXX/XXXX/XXXX my id is attached please verify my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under it open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: IL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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 Transunion XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. Transunion XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. Transunion XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. Transunion XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. Transunion XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$1700.00}. XXXX XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$1700.00}. 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 instruction.

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 2022-02-19
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had been making monthly payments of {$60.00} a month to Fedloan. From XXXX XXXX-XXXX XXXX they were not posting my payments to my loan. A total {$480.00} that was sent to them over those months was not applied to my balance. When I had tried to contact them there was no getting through on the phone and my emails were met with automated responses that had nothing to do with the issue. My loan is now under another creditor and my balance is still incorrect due to Fedloan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Fraudulent charges from XX/XX/22 thru XX/XX/22 were charged back to my account. Company is refusing to provide receipts that show a signature so I can show it is not my signature. Is Home Depot not saving customer signatures for purchases?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently view my credit report an i can see an unauthorized credit inquiry made by XXXX XXXX made on XX/XX/2022 I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above.

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 2022-10-28
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-05-22
Company: EQUIFAX, INC.
State: AZ
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 dispute from Equifax is inaccurate they have not investigated I have a freeze throughout XXXX XXXX its frozen for security I was a victim in XXXX XXXX XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I have not seen anything that would indicate it mine they wouldnt give me but a few options when disputing Can they prove it was me by a photo ID I want to see my Original Contract with my signature.Eqifax information is from their data center and does not prove it was me just because its been fraudulently placed by anyone with out seeing original contract with my signature on itXXXX XXXX XXXX XXXX to XXXX XXXX XXXX Ak XXXX in a remote location for dates as account was open

Company response to consumer: Closed with explanation