BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-09
Company: WELLS FARGO & COMPANY
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/18 I deposited XXXX into a Wells Fargo savings account to a person who posted an ad stating they were renting out there property for a vacation rental. The person who created this account is a fraud/scammer and since the deposit the account has been closed or there are no funds available. I have filed a report with with Wells Fargo bank in XXXX CTwith XXXX XXXX and the Wells Fargo fraud Dept. I also filed with local police in the town where I reside. I have a case number also. I went to Wells Fargo in XXXX CT to report that I was scammed and I would like to get my money back from the branch I made the cash deposit to in XXXX, CT. Wells Fargo did not issue my cash deposit money back. I also have my receipt of that transaction.

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 2023-09-24
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 of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1618 Experian Account # XXXX 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 items of information and any other adverse information, other than records of convictions of crimes which antedates the report more than 7 years.

15 U.S.C 1681s-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.

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 2023-09-06
Company: Experian Information Solutions Inc.
State: TN
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:
Reporting late payments on report During CovidAccording to the law 15 USC 16815-2 ( a ) ( 1 ) ( cp ) reporting During Covid in accurate information on 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 explanation
Consumer complaint received 2023-07-27
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions 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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-09-16
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: Their investigation did not fix an error on your report

Complaint:
Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$370.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
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:
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. XXXX XXXX XXXX Account Number : 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 2023-03-23
Company: Telsa Motors Inc
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
1. I have leased a car from Tesla for over seven years ( since XXXX ). 2.All the monthly payments have been made using XXXX  XXXX XXXX AutoPay service, set up at the beginning of each lease period for the number of payments contracted, scheduled to be delivered a few days prior to the due date. 3.My XXXX XXXX  XXXX leased car was returned to Teslas dealer XXXX XXXX, Massachusetts on XX/XX/XXXX. I took possession of a new ( XXXX ) Tesla XXXX XXXX at that time. 4.XXXX  payment for the new ( XXXX ) car was included in the sum of {$10000.00} paid as delivery fee for the new car. Since the XXXX payment for the XXXX car for the amount of {$1100.00} had already been automatically paid by the bank, and as the new lease amount is {$1200.00}, an additional payment for the balance of {$130.00} was mailed and processed by XXXX on XX/XX/XXXX. 5. Monthly payments for the new lease have been regularly issued by XXXX  XXXX XXXX during the first week of every month ( typically on the XXXX or XXXX of the month ), as has been the case ever since the lease began. 6. On XX/XX/XXXX Tesla issued an invoice for {$5900.00} for Excess wear and tear. Repeated attempts to receive detailed support for this item yielded an e-mail on XX/XX/XXXX with the following information : Excess Wear and Tear : $ XXXX Taxes 4 19in tires - {$1400.00} 2 wheel refinishing - {$200.00} RH QP bodyline dent - {$3000.00} rear bumper - {$1100.00} no photos of keys or charging bundle {$260.00} 7.I explained that the charging bundle and keys were returned with the car ( and inspected by the manager at the dealership ). I was promised photographs documenting the excess wear and tear, and yet to this date, I received none of the photographs. Tesla also ignored my requests for an explanation of what should be considered normal wear and tear for the period of 14 months ( XX/XX/XXXX XX/XX/XXXX ) extension of the original lease, due to Teslas failure to provide the new car ordered in XXXX. 8. Tesla failed to properly close the XXXX lease on XX/XX/XXXX, opting instead to charge me lease payments through XX/XX/XXXX, even though Tesla was in possession of the car. 
9. Instead of resolving the issue by properly crediting my account, Tesla opted to issue on XX/XX/XXXX a letter of demand, threatening to commence vehicle repossession and/or legal action 10. Beginning in XX/XX/XXXX Tesla began sending daily ( and sometimes even twice a day ) electronic notices of overdue payments, fabricating overdue periods of months, while at the same time cashing the timely lease payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was notified that I have an unpaid debt by my credit monitoring company that was reported on my credit report on XX/XX/XXXX and XX/XX/XXXX to XXXX  and XXXX by Credit Bureau Sysyems. Even though I had previously wrote on XX/XX/2018 to Credit Bureau Systems ( CBS ) within the thirty days after receiving a collection letter by CBS that I had paid this debt and was disputing this debt. I did not think I owed this deductible as all deductibles are collected at the office and I was told at the doctors office that I did not owe a co-payment. I ended up paying the debt to avoid it being turned over to a collection agency by XXXX XXXX. I paid this debt on XX/XX/2018 directly to XXXX XXXX who assured me that my account was good standing and to ignore the letter I have received about my debt being turned over to a collection agency. 

XX/XX/2018 and XX/XX/2018 Source XXXX  Source XXXX Company CREDIT BUREAU SYSTEMS INC Payment Status UNPAID ( UNPAID ) Status Date XX/XX/2018 Balance {$50.00} Address XXXX XXXX XXXX, KY XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ut XXXX {$580.00} I have listed the accounts below in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA, unverifiable accounts must be promptly removed. 
I formally demand the following negative account records to be verified and/or removed immediately.

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 2023-07-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2023-07-28
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
American Express Card repeatedly charging multiple late fee and interest, even payment has been made When called in to have them correct this American Express Card provide no help at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Experian Information Solutions 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:
This is not a Third Party. I am requesting that the following accounts be removed. 

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  NA is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # 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 2023-06-18
Company: Experian Information Solutions 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 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 XXXX XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022, I was sent a WIRE TRANSFER from another Bank to my Bank of America Checking ( account # XXXX ) for {$5000.00}! Around XXXX they found the {$5000.00} using a Tracking number. Since XX/XX/2022, Bof A has not credited my account. I am XXXX, have been a Bof A customer for 52 years and they are treating me as the Nano-Particle I am, my {$5000.00} compared to their {$500.00} XXXX net worth! 
On or about XX/XX/XXXX my Banker at the XXXX XXXX. branch enrolled me in the Bof A Customer Complaint Section because he could not get any answers as to where the {$5000.00} was. The contact person at BofA Corporate, XXXX XXXX, can be reached at XXXX, ex XXXX. I was told that the Dept. handling the issue is understaffed and behind for about 6 months. The Customer Relations peersin mentioned her investigation may take 4 to 6 Months. HELP! XXXX XXXXXXXX

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 2023-07-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XXXX  Please remove it from my credit report.

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 2018-05-16
Company: WELLS FARGO & COMPANY
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My auto loan is with Wells Fargo Dealer Services since XX/XX/XXXX. The loan is almost paid in full. Please note, I have not worked much in XX/XX/XXXX due to a job related injury that I was not compensated for. However, I have always kept Wells Fargo informed if I had to pay late. I have noticed that after paying the interest, they never lowered the principal. I have asked through the years for reports showing my payments. I have paid late at times, but never defaulted beyond a 30 day period. I have paid every month and lately I have paid more than once a month since I went back to work recently. My balance was {$1000.00} in XX/XX/XXXX. I have 2 letters threatening me of action for default. One dated XX/XX/XXXX and the other dated XX/XX/XXXX. I also was sent an invoice dated XX/XX/XXXX, showing a <higher> final balance of {$1400.00}. {$420.00} over the {$1000.00} balance they previously said I owed. I have received a XX/XX/XXXX dated invoice showing I now owe {$1400.00}. I made 2 payments, one in the  amount of {$350.00} and the other {$350.00}. I also noticed they have charged me {$360.00} in late fees on their invoice. Through the years they consistently charged me hundreds of dollars in late fees which I feel is illegal. I have phone records showing where they have called me XXXX and 4 times a day for through the years. They continue to send my deceased mother invoices and letters as well even after I gave them her death certificate when she passed n XX/XX/XXXX. How is this all legal ... .especially when I never went past 30 days late? Now they are still trying to bilk more fees and avoid my paying the loan off by raising the amount due because of their illegal fees. I want this investigated, I have reported them to the credit bureau because they have ruined my credit rating, and I intend on pursuing this through an attorney. Their abuse of customers needs to stop.

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 2023-09-17
Company: CCF Intermediate Holdings LLC
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:
I recently reviewed my credit report and noticed a lot of inquires that werent done by me. Its a defamation of character under law 15 USC1681. I asked for the credit bureau to verify this information they stated they couldnt and I had to reach out to the companies. I reached out to the co XXXX they stated the same that they couldnt and for me to reach out to the credit bureau to get them removed. Still nothing has been done and this has went on for over a month.

Company response to consumer: Closed with explanation