BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX account was open in XX/XX/XXXX and on XX/XX/XXXX the account was closed because XXXX says they were unable to verify personal information and they closed the account. I was telling them all alone this wasn't my account. this item is still on all XXXX of my credit report saying I owe XXXX dollars and its continuing to increase each month divesting my credit. It has hindered my from refinancing thus has cause financial trauma to me and my family. I have made over 10 plus attempts to the 3 credit bureaus and XXXX XXXX them self with no resolved solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Paypal Holdings, Inc
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I used my Paypal account balance to pay for an account transaction of {$100.00}. My paypal account balance is {$340.00}. Paypal deducted the money for this transaction out of my private linked bank account without my authorization instead of using the funds in Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The business states in the contract that if an account is more than 60 days past due, then there will be a dispute given from the company. Any Service Contract that exceeds 60-days past due will be deemed as voided, and shall be cancelled immediately and without further notice. However, the company calls once a day 7 days a week. When you try to make your payments by phone, they harass you that they cant help you and will repossess at 30-days past due. They put you on hold multiple times and hang up, so that they wont take your payment. They imply theres a contract stating its 30-days past due and will repossess when there was no contract signed by me. Neither the representatives or the recovery team will provide this. They suggest having the manger provide it to you, but you will not hear anything back again. The representatives and recovery team are very unprofessional and ill-mannered. They talk over you and threaten you non-stop with this 30-day contract rule they have. When you finally speak up, they ignore you and hang up. Itll take at least 3-4 times until they will actually take your payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and would like them remove Account nameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Also states a consumer reporting agency can not furnish a without my written instructions 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

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 2023-02-27
Company: EQUIFAX, INC.
State: GA
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:
Violation of Rights- Failure to follow laws when notified of identity theft when all required documents were submitted with FTC ID Theft report on XX/XX/2022. 
Accounts listed on Identity theft were not blocked in 4 days required by law. 
Accounts listed in Identity theft report were never blocked or deleted. 
Authority to decline or rescind allowed only if consumer reporting agency reasonably determines that the information was blocked in error or block was requested by the consumer in error, the block was requested by the consumer on the basis of material misrepresentation by the consumer or the consumer obtained possession of goods, services, or money as a result of the blocked transaction. 
CRA did not have the authority to decline or rescind block for the reasons they stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My insurance policy lapsed with USAA and because it lapsed due a report they obtained they refused to restart my policy unless I PAY THE ENTIRE 6 MONTHS PREMIUM as well as the past due balance owed I did say I would pay the past due but they want 6 months for the car insurance owed which is over {$2000.00} so in order for me to start again I have to give USAA nearly {$5000.00} which I do not have by them doing this to me I will be in more severe financial hardship unable to buy food and take care of myself due to a possible incorrect report they have received without my knowledge or consent to be used. The company will not work with the veteran even though they state they are for us they are making it hard for us to keep our policy in take after an accident that caused me financial hardship to fix my XXXX XXXX for my insurance denied the repair therefore I had to fix my TRUCK out of pocket over {$2400.00} on my own even though I had car insurance. The XXXX dealership explained that they did not say the things that the adjuster wrote and that was the adjusteXXXX and not them therefore not wanting to pay the claim and refusing to pay therefore causing me financial hardship on the repair of my TRUCK in turn causing my insurance policy to lapse. USAA has refused to pay the insurance claim and stated issues that the XXXX dealership did not say and refused to pay their claims leaving me in limbo with repairs and insurance premiums lapsed due to non payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax need to remove this hard enquiry as XXXX XXXX said to contact equifax and equifax said to file an FTC report and this where FTC is directing me here. So, Im writing here. 

I would like to know how you verified the following information listed below when it is clearly inaccurate : Did you call the original furnisher or just look at the information in your database? 


XXXX XXXX XXXXXX/XX/2023 : Account number : XXXX, XXXX. 

Can you delete this ASAP and send me and update. 

Please provide me with the following information within 15 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: SANTANDER HOLDINGS USA, INC.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Went to dispute an item and the verified it but yet it was paid off and also all three of the credit bureaus are reporting different items

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: IN
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 have sent several letters to Experian about inaccurate and incomplete information. They responded with a letter about verification has been done. I have a right to dispute my report and they will not remove inaccurate information and not prove how they verified these accounts. At what point will they be held accountable for taking advantage of my consumer report. I demand the following accounts be removed and deleted from my consumer report. I did not give Experian written notice to publish my consumer report. 

The following account you are publishing about me is [ inaccurate or incomplete or inaccurate and incomplete ] XXXX XXXX XXXX with account number XXXX Remove immediately for the following reasons : # 1 this does NOT belong to me # 2 the other bureaus removed it because it couldnt be verified # 3 no proper investigation was done # 4 this is pure negligence XXXX XXXX XXXX with account number XXXX Each bureau reports a different date of last activity XXXX XXXX with account number XXXX The date of last payment is wrong. 

XXXX XXXX XXXX XXXX with account number XXXX Please send me all business and transaction documents to prove that this account was legally verified XXXXXXXX XXXX XXXX XXXX ; XXXX with account number XXXX This account was sold but still reports a balance XXXX XXXX XXXX with account number XXXX Each bureau reports a different date of last activity XXXX XXXX with account number XXXX Each bureau reports a different date of last activity XXXX XXXX with account number XXXX XXXX different dates listed under " date of last activity '' XXXX XXXX XXXX with account number XXXX Remove immediately for the following reasons : # 1 this does NOT belong to me # 2 the other bureaus removed it because it couldnt be verified # 3 no proper investigation was done # 4 this is pure negligence I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number.

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 2022-02-27
Company: CITIBANK, N.A.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account has been closed for 7 years and shouldnt be reporting to the bureaus any longer. It was paid in full and closed with no issues and is showing as derogatory on my credit reports.

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 2024-01-09
Company: Shellpoint Partners, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I received a call on XX/XX/XXXX  that my XXXX payment had not been made. I was instructed to go to the website and upload proof of payment. I received other calls and letters and told them that I provided proof of payment. The website doesn't show any of the messages that I sent. I did a screenshot of the last message that I sent today, as Shellpoint chooses to not show messages that are sent on their website. I have requested copies of the messages that I sent. I sent a letter dated XX/XX/XXXX  with proof of payment. Today I received a letter saying that the delays are due to me sending the payment to the wrong address. This is a lie. My payments are all electronic and a copy of the payments from my banks website show this. 

I am attaching a file with my recent correspondence. 
Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: MT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX Hello, Around XXXX, I owned my first house. My loan was through Wells Fargo. During the time of ownership, I secured a Second Mortgage from Wells Fargo. In order to qualify for the loan, I had to open a Savings Account through Wells Fargo and put in {$500.00} in that account. 
One of the stipulations of that account is that I had to keep the 2nd Mortgage account open for a minimum of 5 years or I would lose my {$500.00}. 
As life happens, I got married and we sold the house. This sale happened within a year or two after receiving the money for the 2nd mortgage and I paid off the 2nd mortgage loan. 
I never received my {$500.00} dollars back from my savings account when I attempted to withdraw the funds. I inquired why they would not let me have my money back. I was told because I did not satisfy the requirement of the loan. I told them I paid the loan off early because I sold the house. 
They thanked me for paying off the loan but still wouldn't give me back my {$500.00}. I said to them, then keep the 2nd mortgage active until the 5 years are up. They responded they couldn't because I sold the house. I said, " RIGHT? '' So give me back my {$500.00}. They said they couldn't but I could speak to a Supervisor. I tried multiple times to speak with the male who was in charge but he was always busy or not in his office. He would not even return my phone calls. 
I don't remember his name. 
I know this is a long time after I had that account. I tried to get my money back, I tried to communicate, but Wells ' Fargo would not. They took my money and it is and was wrong then AND NOW. I ONLY WANT WHAT I PUT IN THAT SAVINGS ACCOUNT, {$500.00} Thanks

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 2023-07-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
They were allowing companies to still take their payments out and overdrew my account every month. Then i was hit with a {$35.00} over draft fee for every over draft. I was also being charged {$10.00} a month to have an account with them. I closed my account down a couple months ago after being a loyal customer for over 6 years.

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 2023-02-28
Company: EQUIFAX, INC.
State: LA
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:
Please attached Document stating where I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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'm an extended identity theft victim who has done everything I can do legally and have abided in sending requested information to XXXX and Transunion to block accounts connected with fraudulent activity. Per the FCRA and XXXX they are to report accurate information and to not report negative information on accounts in dispute for fraudulent charges. I have filed and submitted my FTC identity theft report in addition to them having my official police report. Per FCRA XXXX all accounts outlined in the identity theft report is to be blocked Per consumer request and the law. XXXX blocked the accounts with the report but then unblocked them per the creditor from what I was told. Totally disregarding my plea and my legal rights I continue to suffer damages because of their incorrect and fair reporting. XXXX  XXXX XXXX and XXXX have been notified of the fraud and continue to validate fraudulent accounts. This is wilful non compliance and I want to report this abuse of power and have it investigated appropriately.

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 2023-03-01
Company: EQUIFAX, 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:
The information on my report has caused undue financial harm to me and my family. 
Please verify and validate all data for this account every notation dates and balances whether reported or not and also I request you give me the name of the person in your company who verified the accuracy of these accounts this is XXXX XXXX! The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with XXXX XXXX. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. 
Failure to respond satisfactorily within 30 days of receipt of this letter will result in a small claims action against your company. I will be seeking unspecified damages for the harm and delays. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, 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. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts that are not mine on my report. XXXX XXXX XXXX {$23000.00} XX/XX/2021. XXXX XXXX XXXX {$12000.00} XX/XX/2021. XXXX XXXXXXXX XXXX {$87.00}, XXXX XXXX {$30.00}, XXXX XXXX {$30.00}, XXXX XXXX {$4.00}.

Company response to consumer: Closed with explanation