BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-26
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. Pursuant to 15 USC 1692g ( b ). 

I sent certified mail USPS ( XXXX XXXX XXXX XXXX XXXX XXXX. ), a notice to the consumer reporting agencies about some inaccuracies furnished on my report. 

I also sent certified mail USPS ( XXXX ) to progressive management services about these inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: SC
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 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 an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I've dispute multiple reports and I've heard nothing back.

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 2023-02-12
Company: CITIBANK, N.A.
State: NM
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:
I spoke to the company and they said the old fraud charges were erased and this balance now is another charge. I told them this would also be a fraudulent charge. I asked for a breakdown of previous being erased and show me the new charge they now claim I owe. 
He gave me this new ref. # XXXX for this new complaint. He said he could not give me the itemized list, but someone else will be contacting me. I went back on my statements and it does not show where they cleared tge fraudulent charge. Instead they keep adding charges and are damaging my credit.

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 2022-04-26
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:
Hi my name is XXXX XXXX. 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 nor did I authorize any of these charges. I demand that the items listed be deleted as soon as possible, and correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Regarding CFPB Complaint # XXXX, we received credit turn down letters from Chrysler Capital nearly 90 days after applying for credit. Are n't companies bound to send letters out within 30 days of denial? 

Also, the credit score that Chrysler reported for XXXX XXXX XXXX on XXXX/XXXX/XXXX is XXXX. Every credit monitoring service ( one for each of the three major credit bureaus ) lists the score as XXXX, XXXX and XXXX. 

In the late dated letter to XXXX XXXX XXXX, Chrysler also lists : " Serious delinquency, and public record or collection filed '' when there is none. " Too few accounts currently paid as agreed '' when every single account is paid as agreed and always has been. There are dozens of accounts in total. How could that possible be " too few? '' " Time since derogatory public record or collection is too short '' when it 's been over XXXX years since any such record was listed. " Length of time revolving accounts have been established when revolving accounts date back XXXX years. And, Number of recent inquiries on credit report when there have only been two inquiries in the past year, including the inquiry to Chrysler Financial. 

In the late dated letter to XXXX XXXX, Chrysler also lists : Number of accounts with delinquency when there are zero accounts with delinquency. Proportion of loan balances to loan accounts is too high when each loan balance average under XXXX XXXX of the available credit. Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high when each loan balance average under XXXX XXXX of the available credit. And, Length of time revolving accounts have been established when they have been established for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXXXXXXDate of Inquiry : XX/XX/2023 XXXX. The inquiry was not authorized XXXX XXXXDate of Inquiry : XXXXPlease remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, 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 2021-09-19
Company: EQUIFAX, INC.
State: OH
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 following is a list of disputes on my report that was ot resolved as per the FCRA. 
1. XXXX. XXXX XXXX XXXX - Account number # # # # # # XXXX Reason # 1 : Date of first deliquency is inaccurate.

Reason # 2 : The account is not mines and is considered FRAUD 3. XXXX XXXX - Account number XXXX Reason # 1 : Date last active is incorrect, shows no date, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Loan type is listed on my account. Cellular services aren't lenders, so how is this accurate? 
Reason 3 # : the previous disputed listed the account marked as a collection on XX/XX/XXXX, but the updated dispute list the account marked as collection on XX/XX/XXXX. Both errors violate FCRA and needs to be removed. 
4. XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. Reason # 2 : the account is be reported as " charge off '' on XX/XX/XXXX. How is an account that was paid off before XX/XX/XXXX considered a " charge off ''? 
5. XXXX XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. Reason # 2 : Recent payments is marked as " {$0.00} '' would is accurate if I have been making my monthyl payment of {$410.00}. 
6. XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Account type shows " charge card '' when ti should be " credit card ''. This error has been ongoing for 4 years. 
7. XXXX XXXX - xxxxxxxxxxxx XXXX Reason # 1 : Account status is reporting as charge off.

Reason # 2 : Date reported is inaccurate.

Reason # 3 : This account does not report on XXXX or XXXX, which leads me to believe this is completely inaccurate due to lack of consistency among the CRA. 

Typiclly, I try and handle things with the CRA themselves, but XXXX has been difficult and given me a difficult time regarding these errors. Accounts needs to be delted for continuous inaccurate reporting. I have exhausted so muh MONEY and TIME in the process. I have mailed dispute after dispute, pointing out the inacuarcies and adding new information to substantiate my claim and have been giving the " run around ''. That time stops now. And this needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: CA
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:
Consumer attempted to resolve this previously but consumer reporting agency aren't in compliance. EQUIFAX by law had 4 days to remove accounts relating to identity theft. EQUIFAX must follow state and federal regulations and codes including under FCRA and Privacy Act. XXXX XXXX XXXX is an account showing on consumer report is in violation of consumer rights including section 5 of the FTCA as well as the FDCPA. Consumer demand this account to be removed immediately as consumer has already filed identity claims and complaints with other regulatory agencies. 

Consumer has in possession proof of claim needed for lawsuit against EQUIFAX for not complying. Consumer has the right to seek remedy on invalidated and inaccurate fraudulent information effecting consumer right to do business in commerce.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Filed a dispute with TransUnion about a late a payment on my credit. Se nt a Goodwill letter   the company was willing to remove the late payment of 30days. After th e dispute was complete TransUnion report false information report that I am between  30 and 59 days late which isnt true I have my statement so this dropped my score over   XXXX   points which isn t fair.

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 2023-05-01
Company: TMX Finance LLC
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
on XX/XX/XXXX I received my 4th title loan through titlemax with my XXXXXXXX XXXX XXXX. before my payment was due, within the first 30 days titlemax hired a tow company to come to my home and repossess my vehicle. i called corporate and wanted to know why they would send a tow company to take my vehicle and they said that i was not a corporate concern and to contact the store were i got my loan, i then contacted the store and demanded to know why they breached our contract agreement, i was then told that titlemax was going out of business and that was the reason for violating the contract. having had 3 prior loans fully paid off within 3 months of receiving the loans using the same car as collateral, I felt wronged and violated, by titlemax breaching the contract that we had agreed upon, i feel that they picked me out cause they new i would pay my loan off like all XXXX previous loans had been paid in full, titlemax never returned my title to me since my first loan on XX/XX/XXXX XXXX APR 143.35 % paid in full on XX/XX/XXXX. 2nd loan was XX/XX/XXXX XXXX APR 143.35 % paid off XX/XX/XXXX. 3rd loan XX/XX/XXXX for XXXX APR 174.36 % paid off XX/XX/XXXX 4th loan on XX/XX/XXXX for XXXX APR 173.35 % titlemax BREACH OF CONTRACT! illegal debt collecting practices by trying to repossess my car before first payment due. then on XX/XX/XXXX I was inside my vehicle when a tow truck came to my house and picked me and my car up by XXXX wheel suspending my car and myself XXXX feet in the air damaging my vehicle and my property when he went to put my car down it would not go back into park, hudge pile of transmission fluid in my driveway police came, XXXX called due to my airbag deployment they made a report, got car fixed and then on XX/XX/XXXX auto theft/ unlawful taking XXXX XXXX XXXX [ XXXX ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) the tow company did not call my car in for a repossession or recovery of any kind, no history of a vehicle being taken from myhome. I have 3 police reports, XXXX XXXX XXXX loss of work, created XXXX i never had before, I contacted corporate on XXXX XX/XX/XXXX spoke to a lady and sent a email to XXXX on XX/XX/XXXX and again on XX/XX/XXXX and to this day they have not responded to my complain that stated i was taking legal action for breach of contract, damaging my vehicle and property, and illegal repossession, Im seeking my vehicle back and XXXX for the damages, XXXX, and loss of work. as time goes by the amount goes up while i still am without my vehicle today

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: WELLS FARGO & COMPANY
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I made a fraudulently induced wire transfer of {$44000.00} from my XXXX account to an account at Wells Fargo Bank in XXXX XXXX under a nationwide cyber security fraud announced by the FBI on XX/XX/2023, as the XXXX XXXX XXXX, led by an impostor posing as a representative of XXXX  Fraud Protection Team. I filed a complaint on this website on XX/XX/XXXX, explaining the details of the incident and demanded a full refund from XXXX and Wells Fargo. I was subsequently contacted by the FBI as other victims have transferred their life savings to sub accounts under the same prime account at the same bank, under similar circumstances. Although XXXX was notified the same day of the fraudulent transfer, they did not request a recall until the next day losing valuable time that Wells Fargo could have used to place a freeze on the beneficiary enterprise / mule bank from allowing withdrawals by the cyber criminals. I called Wells Fargo Fraud Alert Department the next morning and was informed that someone would get back to me ; no one did. When I called again later in the day and the following day, I was informed that they could only speak to their clients. 

I was subsequently informed by XXXX that Wells Fargo said their beneficiary refused to remit the stolen funds. First and foremost, according to the FBI, Wells Fargo XXXX XXXX beneficiary is using its sub-accounts under its primary account to collect fraudulently induced wire transfers from victims and transferring the funds to cyber criminals operating from a call center in XXXX, and multiple victims are involved. Wells Fargo is clearly in violation of Know Your Customer ( KYC ) and multiple XXXX fraud risk management regulations and its failure to reimburse stolen funds makes it an accomplice for acquiescing to the existence of a fraudulent bank account and aiding and abetting the fraudulent wire transfers. Secondly, there are no grounds for saying these transactions are authorized as no one would authorize the transfer of their life savings to cyber criminals. Given Wells Fargos long history of fake accounts, fraud, scams on XXXX, and other illegal activity, it should be more than willing to reimburse any new victims of cyber fraud immediately and have ample insurance to do so. The failure of Wells Fargo and XXXX, two of the largest banks in the U.S., to safeguard clients from fraudulently induced wire transfers should serve as a warning to the public that your funds are not safe in these banks. The attached article explains in detail the failures of both banks in safeguarding funds of consumers and the grounds for a complete refund by both banks, which they have thus far refused.

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 2017-05-09
Company: BMW Financial Services NA, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX ,  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax, XXXX and XXXX have a Bankruptcy listed in my/our Credit Files ... ... ....!! 

I/WE DID NOT FILE BANKRUPTCY!! I have spoken at length to the Court House here in XXXX and they have NO record of said Bankruptcy. I have requested that it be removed and these Agencies, which I believe actually work with ID thieves, refuse to remove this erroneous information. They have had this in my/our credit files since XX/XX/XXXX, the same year someone filed a XX/XX/XXXXFederal Tax Return in my name only, and we have filed a JOINT Return since XX/XX/XXXX?!?! They have flat out refused to remove it. From XX/XX/XXXX-XX/XX/XXXX I was in XXXX dealing with a XXXX XXXX XXXX our daughter was having!!! Either these " Credit Reporting '' Agencies are above board or they're the reason why ID theft is on the rise. Perhaps they work with these thieves, then the fraudulent companies that profess to clean up your credit report ; I don't put anything past anyone. All I know is, I/WE did NOT file bankruptcy in XX/XX/XXXX, and the Court House has no proof that any Bankruptcy was filed, cause they WOULD have proof of payment because it COSTS money to file bankruptcy!! These " credit reporting '' Agencies seem to be nothing more than a portal into ones personal information, particularly of late with all their " breaches??? '' This FALSE item has cost us 10 's of thousands of dollars!!! This is the final attempt to do this without Litigation, because if we have to Sue, we will be coming for the BIG BUCKS!! Cause this XXXX has to stop!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XX/XX/2023 - tried accessing my account in Experian and can not access account Two months ago I did access my Experian account with no problem to unfreeze and for increase in credit card limit and then quickly freezed account after credit limit approved in hours I want to unfreeze my credit report again, and can not access Experian online nor via phone. 

Even though I identify myself with birthdate and ssn online, Experian rejects it!!! 

On phone, even though I enter ssn, and zipcode and street address number, Experian does not allow me to speak to anyone! 

Pathetic service. I do not know what to do next. Failed online and on phone to reach representative.

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