BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: TX
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  account # XXXX opened on XX/XX/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 furnisha 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 purpuse

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXX charged {$1000.00} on my Citibank debit card. 
XX/XX/23 XXXX charged {$2000.00} on my Citibank debit card ( {$1000.00} of this was credited back the next day ). 
Citibank owes me {$2000.00}. 
I was a victim of identity fraud. I have spent the last 9 months trying to get my money back from Citibank. They keep opening and closing cases. They won't speak with me directly. I've followed all the requirements and hoops that Citibank has had me jump through. I have filed a report with XXXX Police Dept as well. 
Most recently, Citibank has told me it's too late to get my money back. I have been fighting this as soon as I found out about it.

The Citibank fraud dept is set up so that you can never talk to the person making the decision and then they mail you a letter to say your case is closed. It says you can request documents for why they made this decision, but I never received them after I requested them.

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 2023-08-04
Company: EQUIFAX, INC.
State: NC
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:
Good day! I am submitting this complaint to the XXXX, Equifax and XXXX Bureaus today to follow up my previous complaint I presented to them. I kindly remind the Credit Bureaus to please provide my request for inquiry removal with prompt cooperation and professionalism : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: FL
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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: AR
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:
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 I did not consent nor authorize to be reporting on my consumer report block and remove pursuant 15 USC 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On Tuesday XX/XX/XXXX, I parked my car in lot next to the soccer field i was XXXX  at. The team is XXXX and XXXX graders. During the practice, someone stole my wallet and cell phone out of my car. When i got home and realized it was taken ( realized because i received alert on my work cell about potential fraud charge on my work XXXX  card ) i began calling all banks that i had accounts with that were in my wallet or on my phone. I felt good after speaking to all accounts that they would take care of charges and transferred. XXXX helped me transfer my cell service back to an older model phone remote lock phone that was stolen and all passwords were changed. Because it was now after XXXX, i waited until first thing in the morning to contact the police and report the theft. 
Banks that were very supportive and helpful included XXXX XXXX, XXXX, XXXX, XXXX. However, Wells Fargo has been the complete opposite. After calling them back on XX/XX/XXXX, I spoke to their fraud team and explained that my wallet and phone were taken and whoever took it was able to access my wells fargo app and transfer money to themselves through XXXX. I saw as all charges were removed from my credit cards and assumed Wells Fargo would do the same. On Saturday XX/XX/XXXX, i received a letter that stated that WF determined that this was my fault and because they were able to hack into my phone it was my fault for not having a strong enough pass code, they were closing investigation and i was out the {$2100.00} that was transferred out of account. To be clear, that was {$1100.00} directly from checking account and another {$1000.00} ( with {$50.00} fee ) that was transferred from credit card that is on acct for overdraft protection. 
I tried calling same day saturday to talk to anyone but no one from online fraud working and i was just transferred from person to person. Today, more of the same, they confirmed what the letter said and said they would tell investigator but they dont call out. they would voice my complaint but case was closed. 
I am obviously disappointed with their findings and frustrated that no one will listen, no call given so i could explain in more detail or answer questions that i in NO WAY authorized any of this and am the victim of identity theft and fraud. Why can every other bank be understanding and work with me yet Wells Fargo just says sorry. I have been with the bank through all of the mergers for 27 years and cant get a phone call back explaining decision even? 

Something about this feels very wrong. If i understand their ruling, this would mean that anyone that has their account hacked it would be their fault? that just can not be the case. happy to answer any other questions that may come of this. 
thanks 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 2023-04-08
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666b A Creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason

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 2019-05-02
Company: ERC
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Alleged debt occurred XX/XX/2016 by ERC XXXX, FL. Upon sending Proof of Debt letter ERC retracted their claim. Contacting XXXX trying to obtain 1st report of debt they were rude, evading and hung up on me several times. Upon beginning of calls I was informed of possibility of recording, I informed them of my possibility of recording, they hung up, saying they wouldn't except recorded calls ... ..can you believe that! All I'm trying to do is obtain the length of time this was on my report. Their response is if it's not on my report they can't provide it. Yet it Can be on for 7 yrs. So, anybody they approve can damage my credit until I DISPUTE IT, but they can't even tell me how long it's been on my credit as evidence of past harm ... ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
A lot of things is on my credit report that i do not identify with.

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 2023-01-14
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I thought I was upgrading my gold AMEX credit card to the XXXX XXXX XXXX XXXX Credit Card. I am the cardholder owner, I agreed to the terms and conditions. When I received the card, the sky mileage number was not assigned to me but, to another person in my household. This limited my access to the mileage account. I have called and XXXX times to get this resolved. AMEX and XXXX put the customer in the middle, not owning the customer experience. I paid {$720.00} to have a card and XXXX for my husband. As a benefit I am rewarded with access to the XXXX XXXX XXXX. On XX/XX/23, we went into the sky lounge, I was allowed access, my husband was not even though, he has the credit card and we should have had the guest passes - these are awarded but, were not in my wallet due to the fact AMEX put the wrong sky mile number on my credit card. Long story short, not only did I pay the {$720.00} annual fee my benefits were denied. I had to pay {$78.00} at the sky lounge for access. I was told by AMEX it would be refunded, XXXX hours later after a number of calls, frustration etc. I had to file a dispute. I have been put in the middle of both XXXX and AMEX pointing fingers at each other. XXXX the offer was deceptive and unclear. I ended up with XXXX credit cards- essentially I paid a {$95.00} annual fee on my gold credit card and then {$720.00} on the upgraded credit card, they would not close the old card and refund me the {$95.00}, so I had to switch to the blue card, then close it with a prorated refund. XXXX denied benefits and access to the delta lounge and today, it is not resolved. What is owed? 
XXXX. {$78.00} for the sky lounge XXXX. It was not clear that I would not receive companion fare for the first year ( deceptive marketing practices ) 3.Promises for upgrades etc. I believe this never happens XXXXNO one at AMEX is empowered to refund a customer, they quote policy and procedure XXXX. Complaints are only taken in writing via letter - XXXX XXXX does not allow for a private complaint only public- this creates trolls who try to call and represent AMEX only to deceive. AMEX does not make its practice to protect their customers I have spent more than a day getting my sky mileage numbers situated, and requesting the {$78.00} which was charged refunded. I am disheartened at how hard I have had to work to be a customer of AMEX. Please help me, but help everyone else as well. This is unfortunate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-09
Company: ERC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX has repeatedly called my work place after being told it was my work number. They called on XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2023-08-21
Company: EQUIFAX, INC.
State: MD
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:
To whom this may concern, My name is XXXX XXXX and I'm the owner of a residential construction company named XXXX XXXX XXXX XXXX. I have been working on repairing my credit for two years now, but still unable to receive loans due to faulty reporting from Equifax, XXXX XXXX and XXXX. The agency are constantly reporting outdated information about my accounts and reacting to every negative change with large points deduction, but not the same for positive changes. Just last month my score dropped about 60 points because of my fault. I need to use my credit cards to keep my business going. By the end of the month I paid all of my bills down to about 10 % usage but because of that I was dropped again XXXX points from XXXX. My credit score last month was was at XXXX, but still unable to receive loans due to faulty reporting. As of today I have lost {$14000.00} in my business due to rental fees for a reliable vehicle. My previous truck transmission failed, so applied for a vehicle loan but my credit wasn't good enough. So I was forced to rent a XXXX from XXXX truck rental last XXXX at a rate of {$650.00} per week. As my credit score gone up I tried many different times to get a new or used vehicle to release me from the rental, because of old negative remarks on my credit and now new inquiries, I was unable to successfully secure a loan. This faulty reporting is causing me XXXX  of dollars that I need for my small business. It's not just stopping me from getting vehicle loans but also business loans because my business is XXXX years old so my credit used for the loan. 
Please let me know what I need to give you to prove my case, I have proof of everything. This is got ta stop and really exhausting and unfair treatment. I really feel like I'm being discriminate against because I talk to a lot of people about my situation and I have XXXX XXXX but still no change. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Its simple under the law we are entitled to adverse action free credit report. We have had a number of adverse actions ad poor credit lately due to untimely and incorrect reporting and in aility to access via any and all venues technology or means what Experian claims is the method for securing such. We are locked out at every single turn! FTC- " Under federal law, youre also entitled to a free report if a company takes adverse action against you, like denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the credit reporting company. Youre also entitled to one free report a year if youre unemployed and plan to look for a job within 60 days ; if youre on welfare ; or if your report is inaccurate because of fraud, including identity theft.So why are we bing denied and why is it you can not assist?

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 2021-03-03
Company: U.S. BANCORP
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX I received a call and he asked if I would be home or some one over the age of XXXX would be. I asked why and he said some one over the age of XXXX need to sign for a delivery i asked what type of package is it he said a document and he said I cant say any more that he also said to call this phone number XXXX and they can schedule a time for me to come back out. 
@ XXXXXXXX XXXX  I called XXXX and the lady asked for my name I gave it to her and she gave me my last four of my SS # and then looked up my account and said that if I don't pay this bill of {$930.00} buy Thursday it will go to court and then i would have to pay {$2200.00} in court fees and lawyer fees i said ok ill see what I can do. 
@ XXXX i called us bank which is the bank the I so-called owe money to i spoke to a very nice lady and she said that this doesn't sound right and she looked up my account and said i don't have one there and then transferred me to a norther person and they called me back @ XXXX he said the same thing that I don't have a account with them so 2 people said the same thing. 
@ XXXX i called my wife and she said the same thing no i dont have a account there. 
@ XXXX i called them back and said if you can show me the proof i would gladly pay it. 
I told them my dad and I share the same name and he knows my SSN and I dont know if this was something he did in my name. I have found other things he had done in my name. I had asked where the account was opened, what was the address on the account or phone number and no one will give me that information. If they say this is an account I opened then why wont they give me any info on it? Why when I ask these questions am I shut down? I want some sort of visible proof that this was me, that this was a legit account and they wont give that to me. All I want is proof and then I will gladly take care of this but I do not want to be scammed. 
I have searched all day online for this business and there is nothing to be found. I have used all the information in the email they sent me and I cant find anything online. 
this is the only information I have on the company : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX PH : ( XXXX ) XXXX FAX : ( 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 2019-05-09
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XX/XX/XXXX, I leased a 2017 XXXX from the following location XXXX XXXX XXXX of XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , XXXX , TX XXXX On XX/XX/XXXX, I decided to end my lease early and buy the car. The dealership told me they would pay off my lease loan with Ally Financial and sell the car to me. I agreed and financed the buy loan through XXXX XXXX XXXX. 

To this date, I my lease loan has not been paid off. I have had to pay two months of the lease loan and one month of the buy loan. If I dont, my credit will suffer I have spoken to the General Manager, XXXX XXXX, and he says he does not know when the dealership will be able to pay off the lease loan because the dealership and the entire company of XXXX XXXX is broke. 
He knew this at the time of sell. He, fraudulently, duped me and XXXX XXXX XXXX into believing the dealership obtained ownership of the car for resale. XXXX XXXX XXXX paid the dealership {$32000.00}, which I am responsible for paying. Yet, XXXX XXXX XXXX does not have the title for the car bc its owned by ally. 

I am stuck paying two car loans for one car and if not resolved soon, ally wants their leased car back and I will owe XXXX XXXX XXXX for a loan with no car. 

I will be forced to default on my loan and credit suffer for years XXXX XXXX ignores all of my attempts of follow up on the matter, including the past due registration of the car

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