BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Wells Fargo continues to mask it's responsibility for protecting its clients behind a third party company they own. They XXXX their responsibility to me their customer and offer no help. I will be moving my accounts to anyone else other than a bank that doesn't follow the law and protects its customers.

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 2022-10-17
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1900.00XXXX XXXX XXXX  XXXX XX/XX/2022.

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 2022-10-17
Company: LEXISNEXIS
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
LexisNexis Risk Solutions - XXXX XXXX XXXX XXXX, GA XXXX - XXXX sent my insurance company a claim that I was suppose to be at fault for the wreck that happened to me. My car was actually the vehicle NOT in question, but the other car involved was. It was a policeman that was at fault when my boyfriend struck him he just ran a red light and my car hit his police cruiser because it was unavoidable. 
Please check with this company and see why they put me as the driver at fault because it has caused my insurance policy to double in price. 
I am just a single recently divorced lfemale with no money to spare so when something like this happens it sticks out like a sore thumb. Let me knpw asap so I can maybe take care of it before my new premium is due, Thanking you in advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: LA
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 would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2020-03-28
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/2020 I sent a dispute letter to Equifax for validation of unverified accounts on my credit report to request an investigation. My letter was signed by notary public acknowledging my driver 's license, and address which affixed to my letter as true and correct. I sent letter certified mail which was received by Equifax on XX/XX/2020. I received a letter back from Equifax who stated that I did not send the correct documents to verify my identity or address. I did send a copy of my Social Security Card along with my valid driver 's license with a copy utility bill with stated address into which they updated my address on my credit file. Equifax did not honor my dispute letter and requested that I send two documents to verify my identity and my address. I wrote a second letter to Equifax on XX/XX/XXXX attaching two documents that they requested to investigate my dispute. The two documents that were sent was a copy of my driver 's license, and a copy of my employer check-stub that had my address on it. I also sent the original notarized letter with my Social Security Card attached. My second letter was also sent certified mail as well which Equifax received on XX/XX/2020. On XX/XX/XXXX, I received yet another letter that Equifax states that they need two documents to continue with my dispute which was the same letter they sent before. At this point not only has it now surpass 30 investigating days. Equifax has violated my right to dispute accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a checking account on XX/XX/2022 on behalf of my wife, who received an invitation to open such as a Citibank customer with an offer to earn a tiered bonus predicated on the deposit of funds. It was called the OOBTA Tiered Bonus Checking Offer. The offer code for same is supposedly # XXXX. We opted to deposit $ XXXX into the account and were given 20 days to deposit funds to earn said bonus and the money needed to remain in the account for ninety or 120 days in order to receive a {$700.00} bonus award. The account was fully funded on the XXXX of XXXX ( or the day after the account was opened ). The the bank has verified this on several occasions via telephone inquiries to determine my specific eligibility. I was assured on each such occasion that my eligibilty was concrete and validated. The money remains untouched ( $ XXXX ) and is still in the checking account to this day, more than six months after the fact. I was informed by Citi that the account would be credited with the {$700.00} bonus on XX/XX/2022. It was not. I called and made an inquiry as to the problem. I stated my case and they provided a reference number for my inquiry ( # XXXX ). They never responded. I was forced to call again. An 'expedited inquiry ' was formulated under the same reference number. Again, no response from Citibank. After several days I noticed an alert on my checking acount when I logged in. I read the alert which said that the bonus based on my opening the account a day later than the deadline. This was not the case and I appealed my case. After a 'back room ' inquiry regarding the account opening, I was assured by a manger on the phone that I was in compliance with both the date opened and the required deposit. An additional inquiry was initiated to the 'back room '. The 'back room ' now needed to find a different excuse to deny the bonus. And they did. Several days later another alert appeared on my account and I again opened the same to find out that I was again denied the bonus because the 'offer - invitation ' was directed toi my wife and not to me directly. The checking account I opened was a 'joint ' account with both my and my wife 's name. It refects all four Citibank credit cards that we possess as we are joint account holders in everything we possess that is 'Citi XXXX related! In my opinion this is despicable behavior for a major bank such as Citi supposedly is. I am embarassed for them as such and very embarassed in myself for trusting them to due the right thing. I hope you agree and await your reply in regard to my complaint. Thank you for your efforts on my behalf. Who knew I'd be safer in the hands of XXXX XXXX? Wow!

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: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
4 credit cards of mine were all closed on XX/XX/2022. I never paid late, I have a XXXX credit score and never went over my limits. When I called asking about them spoke to a manager whom would not give me a clear reason as to why all 4 of my credit cards were closed. She advised she couldn't give that information to the public. I'm not the public these are my cards.

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 2023-07-04
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: TX
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: U.S. BANCORP
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
US Bank 's XX/XX/XXXX letter supplied to the CFPB contained lies and US Bank should be held accountable for lying to me and your agency. I have definitive proof. US Bank claims the {$25.00} they claim is owed is for a late payment for XX/XX/2019 is a lie. Attached is my letter to US Bank of XX/XX/XXXX. Attached as well is a copies of my checking XXXX account statement that definitively proves that I paid US Bank {$310.00} in early XXXX for the payment that was due in XXXX. This {$310.00} represents the normal monthly payment of {$290.00} plus the {$25.00} late fee owed for XXXX 's late payment. Also attached is a second page of my XXXX checking stmt showing that XXXX 's payment was also posted later in the month. Attached is my letter and the overwhelming documentation proving, without question, that I don't owe US Bank {$25.00} for XXXX 's late payment ( because the late fee was promptly paid ). The original complaint was XXXX. CFPB should have NEVER closed the matter, because US Bank lied. CFPB shouldn't just close a file because a vendor responds, if you are going to really defend consumers, we need a chance to refute errant replies like the one US Bank sent in this case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX/XXXX ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX Balance ; : {$760.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$8600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX  XXXX Balance : {$4300.00} ; XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX  XXXX 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 explanation
Consumer complaint received 2023-04-27
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed this account and reported it as fraudulent account open in my name I advised them that I am a victim of identity theft and have been dealing with fraudulent accounts open in my name, on XX/XX/2023 I received a called from a collection company claiming to be a lawyer for Netcredit and they are attempting to collect on their client behalf. He told me that he see the notes on the account and that if I dont pay they going to sue me and from the looks of it Im not going to do anything. I ask them for the company number that their representing he wouldnt give me the number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: NCB Management Services Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received two calls from NCB Management Services on XX/XX/2020. One call left a message on an answering machine that is available to others that the message is from a debt collector. The caller did not leave a name. I received another message on the answering machine on XX/XX/2020 also stating that it was from a debt collector. The name was not clear but my best guess is XXXX XXXX. These calls came from local area code of XXXX using various numbers. The return call number was XXXX, ext XXXX located in XXXX, PA. The caller said it was in reference to an account at XXXX XXXX XXXX. I have never had an account at this bank and have never even heard of this bank. I do not have ANY accounts that are even past due and have never missed a payment on any account. I called this number and received an answering machine. I very firmly told these people that this account was not mine and also informed them that they were not to call my number again. On XX/XX/XXXX, I received another call for this same company. I answered and told the caller not to ever call this number again. These calls make me furious. I am receiving calls from other companies so obviously someone with a similar name has a credit issue. I do not know where these people are getting my phone number. Apparently they are calling anyone with a similar name. I want these calls to stop!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions 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:
Below are the fradulent account reported to my Experian report. XXXX XXXX  and XXXX XXXX  credit 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 explanation
Consumer complaint received 2022-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
I have received several refund checks from the overdraft fee class action ( Morris v. Bank of America ). I no longer have a bank account with Bank of America due to them imposing outrageous and numerous overdraft fees. I went to go cash a check for {$32.00} that was sent to me due to the result of this lawsuit and was told I had to pay an {$8.00} check cashing fee in order to cash the check since I was not a current customer. 
Bank of America time/location where I tried to cash the check : XX/XX/2022 Around XXXX XXXX. 

Bank of America XXXX XXXX XXXX XXXX XXXX, NC XXXX My complaint is that I should not have to pay a check cashing fee for money that is being refunded due the result of a lawsuit. 
Lawsuit : Bank of America, NA ( BANA ) is paying {$75.00} million to settle a class action alleging that it improperly charged insufficient or non-sufficient funds fees ( and/or overdraft fees ) involving the timing of actions in several situations, including for Retry Transaction Fees, for Intrabank Transaction Fees, and for Fee Accrual Claim Fees. The complaint alleged the bank breached its customer agreements and violated state consumer protection laws. 

Docket Number : XXXX I should not have to pay these fees because they would have never had to pay fees to access the money being refunded had they not violated their costumer agreements and state consumer protection laws. 
Consumers receiving settlement checks are not getting the full balance owed to them since they charge {$8.00} to cash it. They are defrauding the customers who have already been a victim of Bank of Americas schemes by charging the customer fees to access the funds they took illegally in the first place. 
Its like they couldnt get stand to do the right thing and give people their money back free of charge, they had to get SOMETHING. 
This is absolutely unethical. This is causing more problems on top of the ones they created a couple years ago when this was happening. I stayed on the phone with these people constantly when banking with them about their ridiculous overdraft fees. Now you cant contact customer service without having an account. Theres absolutely now way to speak with a human without providing account information which makes it literally impossible if you do not have an account. 
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 2023-11-03
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My car was purchased in XX/XX/XXXX at XXXX XXXX, they got me financing through Ally Financial, also purchased XXXX XXXX, my payments were outrageous with good credit XXXX a month for a used XXXX XXXX. Purchased insurance from XXXX and thought everything was fine, not to mention the XXXX XXXX. On XXXX XXXX my car was stolen and found in XXXX, Maryland Totaled, XXXX is telling me did not have coverage to pay for stolen when I called to make sure it was Full coverage for a Financed Car, the coverage that was renewed went from XXXX to over XXXX a month, I called them, they said I was covered, my mother who offered to help since the expense of having my used car was over XXXX dollars a month also called XXXX and they said everything was fine, she said I hope so for over XXXX a month, than she said I need to make sure it is faxed to Ally Financial, so she faxed it over. I deserve an explanation from both Financial and Insurance why it is my responsibility to pay for a stolen car and why all of a sudden I do not have the proper coverage, something is fraudulent and I am livid. Ally and XXXX should have communicated with me and each other, but all I heard was Crickets. So I need someone to explain how the insured was at fault for the torn-up vehicle when he was not driving and conclude that the insured was negligent. The liability should be sufficient in a stolen car situation because the insured was not the driver, and it was property crime was with uninsured motorist driver, apparently now in Maryland it is a Property crime.

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 2023-11-18
Company: EQUIFAX, INC.
State: IN
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:
FCRA viloations not my XXXXXXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2000.00} written off. {$2200.00} past due as of XX/XX/XXXX. 

XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. $ not my address XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Resident type Single family not my phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
FALSE REPORTING OF ALLEGED DEBT BY THESE BUREAUSES IS A VIOLATION OF FDCPA SECTION 807, " 15 USC 1692e ''. Another violation of the FCRA is that the claimed debt can not be verified, and I have not received any proof or securities after 30 days.

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