BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This vehicle doesn't belong to me. I see on my report that this was paid off. I have contacted this company to let them know the owner of the vehicle has file for bankruptcy and has made arrangements. I requesting for this to be removed from my report. I am a single parent trying to raise my kids, this is affecting my way of life. Please help me!

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 2020-12-21
Company: Experian Information Solutions Inc.
State: MD
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 Gave notice to company that my personal information was exposed in the XXXX  data breach and i have been a victim of identity theft. At the time i did not recognize the account XXXX XXXX thats on my credit file. per section 605b of Fcra this account must be deleted 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 2023-07-27
Company: Unifin Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have received calls from Unifin from the numbers XXXX ( XX/XX/2023 XXXX ), XXXX ( XX/XX/2023 XXXX ) and XXXX ( XX/XX/2023 XXXX ). Every time they call they immediately ask for my name and my social security number before giving me any information at all ( including where theyre calling from or that theyre a debt collector ). When I tell them my name is correct they give me the company name but still refuse to state why theyre calling or what the business Unifin is until I verify my identity. I have received zero written notification from this company, I do not know what debt they assume I owe them, and they will not give me any information unless I give them confidential personal information. This is illegal and they have been informed of such. They were also informed that if theyre a debt collection agency they can contact my bankruptcy attorney at which point they say they will discuss all further information when my identity is confirmed. At this point I always hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: DISCOVER BANK
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan through Discovered and was conditionally approved after a credit check for a {XXXX}. I was told to provide bank statements, proof of address, ID, and social security card. All documents were provided except for back of ID. I was contacted by a representative and told we just need the back of my license to move forward. Once that document was provided the loan was Approved and I received emailed with my loan documents. I reviewed the loan documentation and decided to wait one day to review it with my husband. The next day we went into the portal to sign, and the application and it showed were decline after full approval and verify documents. We have spoken to several representatives, including supervisors and managers, over the course of 3 days and no can tell us why it was decline other than " unable to verify information '' and the reason was proprietary. No specifics and recourse to help us understand what happened. Several representatives stated they dont know why the loan was decline as everything was ok and documents were reviewed. I feel as though Discover has discriminated against me after getting my ID and decided to decline the loan for no apparent reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ALLY XXXX XXXX  XXXX XXXX XXXX 
XXXX TEXAS XXXX Acct # XXXX To Whom It May Concern : I recently received a copy of my XXXX, XXXX and XXXX credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : Ally Auto Account # XXXX Your company is in violation of the FCRA and XXXX Compliance and reporting violation. 

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to Transactions or experiences between the consumer and the person making the report ; In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX you reported transactions from Ally account # XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! 

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of XXXX compliance! 

Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported on my account Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 

Furthermore 15 USC 1666b ( a ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Best regards, 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 2023-08-31
Company: ALLY FINANCIAL 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:
All of a sudden I have multiple inquiries that I did not authorize XXXX XXXX XXXXXXXX Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX  XXXX  Inquired on XX/XX/

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 2022-08-28
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX of this year, my daughter 's ( XXXX XXXX ) checking account was hacked. We were notified via an email from Wells Fargo. For the record, I have full access to my daughter 's accounts and can act on her behalf. 

XXXX transactions occurred within moments of each other : XXXX. A check for {$1800.00} was deposited into her account. 
XXXX. A XXXX transaction for the amount of {$1000.00} to an unknown recipient was done. 

On XXXX XXXX, XXXX the Wells Fargo Claims Assistance Center provided a resolution regarding the attempted, fraudulent check deposit. They concluded that the deposit was unauthorized and the amount of the deposit was debited without charges or losses to XXXX. 

On XXXX XXXX, XXXX the Wells Fargo Claims Assistance Center provided a resolution regarding the {$1000.00} XXXX transaction concluding that it was made through a secure online banking session. 

It flies in the face of logic that the XXXX transactions occurred within moments each other ; XXXX is deemed unauthorized and the other is deemed authorized. This is hardly surprising as Wells Fargo had multiple data breaches to include a data breach on XX/XX/XXXX where vast amounts of customers ' data was compromised. 

Since this time. We have contacted the Wells Fargo claims department in an attempt to reopen the claim. It is apparent that the people that receive that calls merely follow a script. Thusly, we had requested to speak to management. On XXXX occasion, we had scheduled a time and day to have manager call us. The date and time came to pass without them calling. Another attempt resulted in speaking to a manager, XXXX XXXX [ ( XXXX ) XXXX ]. He told us that he would reopen the claim and that it would take 72 hours. Equally, he stated that he would then contact us within the 72 hour timeframe. Additionally, he gave me his direct phone number. Nothing happened. I have made several attempts to reach XXXX XXXX and left several messages. 

It seems obvious that Wells Fargo has found method of mitigating financials losses due to their poor cybersecurity by declaring only those that would result in financial loss to them are authorized by the customer. Those that cost them nothing are deemed unauthorized.

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 2022-04-05
Company: Thaddeus Bechtle Attorney at Law, LPC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received summons in mail for judgement XXXX XX/XX/XXXX from Thaddeus Bechtle in regard to file number XXXX. 
Called collecting company on as I had NOT received a notification, Spoke with XXXX and she stated that one notification was sent in XX/XX/XXXX via mail and this was the only communication sent. 
The documents included in the summons, state that the company went to court in XX/XX/XXXX. I was never notified, XXXX confirmed again, I was only notified from Thaddeus Bechtle law agency once. 
I asked if this was policy and XXXX refused to answer. 
I asked if I could set up a payment plan, XXXX answered yes- but agency would still proceed with upcoming court date of XX/XX/XXXX. 
I asked if I could set just pay the full amount of {$800.00}, the amount that is due. XXXX said yes, but that still would leave a balance of XXXX XXXX stated I must pay the fees to avoid court, making me pay a total of {$1100.00}. 


XXXX refused to allow me to speak with management to satisfy the account that she would only transfer me to the office manager, XXXX, no phone call returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
COMPANY AT FAULT : XXXX XXXX XXXX XXXX THIS COMPANY HAS REPORTED NEGATIVE INACCURATE INFORMATION ON MY CREDIT REPORTS. IT HAS CAUSE SEVERE HARM TO MY CREDIT SCORE AND IMAGE. 
I HAVE SPOKEN TO THIS COMPANY PREVIOUSLY AND EXPLAIN TO THEM THAT THEY HAVE NO RIGHT TO REPORT ANYTHING ON MY REPORT. 
THEY ARE APPARENTLY PURCHASED A PACK OF DEBT, AND HAVE BEEN HARRASSING ME WITH CALLS DESPITE I TOLD THEM THE DEBT THEY ARE TRYING TO COLLECT ON WAS DISCHARGE IN XX/XX/2020 THROUGH XXXX XXXX  BANKRUPCY COURT. 
I HAVE TOLD THEM THAT " XXXX " THE COMPANY THEY TRYING TO HARRASS ME ABOUT WAS AT COURT AND THEY DEBT WAS {$00.00} DISCHARGED AND SHOWS ON MY CREDIT PROFILE AS XXXX XXXX  ALREADY NOW THIS COMPANY XXXX XXXX XXXX XXXX, HAS ADDED THIS A COLLECTION WHICH THEY SHOULD NOT HAVE. 
ACCT XXXX THEY ARE LISTED AS DEBT BUYER- BUT ON A DEBT CHARGES OFF IN XXXX XXXXXXXX XXXX I MAILED THEM COPIES AND DESPITE THEY ARE ADDING THIS TO MY CREDIT REPORTS, THEN REMOVE IT AND NOW HAVE ADDED IT BACK ON. 

I HAVE SENT PROOF TO ALL THREE BUREAUS AS WELL, THEY TAKE IT OFF THEN PUT IT BACK AS WELL. NO CONSISTENCY WITH ANYONE AND ITS ILLEGAL.

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 2023-04-19
Company: WELLS FARGO & COMPANY
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:
On XX/XX/2023, XX/XX/2023 and XX/XX/2023 I mailed a certified notarized affidavits to XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  XXXX that I never gave their companies consent to share my personal information nor I was not provided with proper disclosure and for that reason I am a victim of identity theft. I have reached out to the respective companies letting them know that I am aware of their improper use of the sharing of my private information without my consent and in fear that they could be using my information for marketing purposes numerous of times with no proper response.

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 2020-09-27
Company: EQUIFAX, INC.
State: VA
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:
XX/XX/XXXX- XXXX XXXX XXXX XX/XX/XXXX- XXXX XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX  XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXXXX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XX/XX/XXXX- XXXX XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXXXX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 non-monetary relief
Consumer complaint received 2023-06-28
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: MIDFIRST BANK
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX of XXXX the courts here in Ohio granted me ownership of the property at XXXX XXXX XXXX XXXX Ohio through a divorce decree and was to take ownership starting XX/XX/XXXX after rental tenants have moved, Upon moving in i reached out to Midland mortgage to get the necessary items and information needed to make this court ordered transaction smooth. They continuedly changed the terms of what i needed verbally only ( nothing in writing ) on what is needed. they have changed the information needed and even changed the mortgage amount from XXXX XXXX without any letter to me explaining the change amount. which is illegal, It has been over 1 year now since these things started and all the correspondence from them I have sent in at least twice including the divorce decree and assumptions paperwork and all county transfers from XXXX XXXX which I am a employee. The tactics that Midland Mortgage have been using are a violation of ethics and a violation of my rights .Practices like that should not be happening in XXXX. I sent in six ( 6 ) payments from my bank account and now this is not enough. If you read the TWO ( 2 ) correspondence they all state just 6 payments from my checking account, That's what i was given and that's what I followed, now I'm tired and my family continues to disrupted by these unethical practices. I challenge Midland Mortgage to show me any correspondence other than what i provided where i have not fulfilled their obligations. 

This has continued to disrupt my children and there well being with the tactics used by Midland Mortgage. This must stop now

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 2021-02-11
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've reached out and settled the debt in full with the collection company who provided a receipt of payment and a deletion letter that the account will be removed from all reporting credit agencies, including XXXX XXXX, and XXXX 
I have attached the deletion letter from the collection company below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: FL
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:
XX/XX/2023 In accordance with the Fair Credit Reporting Act, the following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

Account Name : XXXX XXXX XXXX  15 U.S.C. 1681 section 602 ( a ) states that I have the right to privacy. 

15 U.S.C. 1681 section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furbish an account without my written instructions.

15 U.S.C. 1681c. section 605 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer reports containing any of the following items of information : any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 section 623 ( a ) ( 1 ) states that a person shall not furbish any information relating to a consumer to any consumer reporting agency if the person knows or has a 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 2022-08-28
Company: Client Services, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I NO NOTHING OF THIS COMPANY DIDNT GET DEBT VALIDATION VIA EMAIL OR USPS MAIL I NO NOTHING OF THIS COMPANY NEVER HAD ANY CONTRACT OR CONTACT WITH THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: UT
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:
I've set my loan up on auto pay multiple times and told it was only to find after payments were late there was no record of me setting it up because it was done in the branch and they refused to remove negative items

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX , XXXX on behalf of GE MONEY BANK is attempting to unlawfully collect on a debt. The Reference number is XXXX. 

The debt in question was discharged in Bankruptcy XXXX case # XXXX which was discharged on XX/XX/XXXX in the state of TX . A letter sent to my home address dated XX/XX/XXXX states that there is money owed and pending legal action was implied by referencing a Judgment that has been entered against me. This statement is false and misleading which is in violation of the FDCPA as there is no debt owed and there is no judgment outstanding for this debt. It is also my understanding that debt collectors are not able to sue on time-barred or out of statute debts. The statute is 4 years in the state of California and the letter states the debt is from 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 2022-08-28
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citibank advertised {$700.00} cash bonus for opening a new checking account with {$50000.00} minimum deposit. I opened the account on XXXX XXXX and maintained the balance for 60 days per the terms. It has been over 90 days and Citibank refused to honor the bonus as advertised.

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