BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: WELLS FARGO & COMPANY
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last night, XX/XX/2018 I received a call from my mother explaining that Wells Fargo had drained all of their bank accounts. Unfortunately, my checkings account was still linked to my dad even though he never uses it himself and all money in that account is made and used by me, a financially and legally independent adult, which could be proven with the tranctions therein. However, I didn't have authority to unlink him from my account and he didn't take action in time to unlink himself. So, I understand that because the account is technically joint, Wells Fargo has a " right '' to set-off any money for debts that my father owes. So I was hit with the following transaction : XX/XX/18 Legal Recovery Set-Off, XXXX {$1900.00} But I just find it absurd how I haven't been given any information prior nor any useful information after trying to contact them. Any attempts to contact them are met with " there's nothing on your account, your dad would have to contact us, it's a government thing, we don't have any other information for you. '' etc. I've called the number on the transaction, their XXXX number, and emailed them all to get mostly non information. They are making no attempt to work this out with me or even explain to me what exactly is going on. This will disrupt my ability to pay bills in the near future.

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 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This notice is to inform you that you have broken law. You are unlawfully reporting unauthorized accounts on my consumer report that has violated my federal protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given permission to furnish anything on my credit profile. You have violated me pursuant to 15 USC 1681 ( b ), the permissible purpose of my consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 102BA. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Original account XXXX XXXX XXXX Did not disclose Financial Impact notice Did not provide Fiancing agreement. Attempted to collect debt through company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sold the debt account 7 years later to AWA COLLECTIONS who also did not provide Financial impact notice, violated CA Civil Code 1799.91, unlawfully increasing account balance monthly as revolving debt. 

My mother was the signer of bail agreement, the debt was not mine. The bail was posted for me. The signer my mother was not given a Financial impact notice CA law requires bail bonds agencies to provide this documentation as per CC 1799.91 I myself, never signed the financing agreement, or gave my information to obtain credit under my name. The debt collection agency AWA COLLECTIONS is illegally attempting to collect this debt from me. I have hired an attorney to proceed with a civil lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

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 602 A. states I have 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 1861c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which which antedates the report by more than seven 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 non-monetary relief
Consumer complaint received 2021-06-18
Company: Paypal Holdings, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Paypal has repeatedly attempted to collect funds that they themselves have stated were unauthorized transactions ( declined at point of sale ). 
On XX/XX/2021, they denied my claim for unauthorized transactions. 
On XX/XX/2021, they stated that there WERE unauthorized. 
On XX/XX/2021, they stated they were " escalating to their back office to resolve. '' They have now submitted the {$450.00} to a collections agency when they simply were not owed any money whatsoever. This needs to be addressed by Paypal IMMEDIATELY.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-03
Company: Ameritech Financial
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I received a letter today on XX/XX/2018 from the Federal Trade Commission. However the letter was dated XX/XX/2018. The letter states that I am a customer of Ameritech Financial or a related company, XXXX XXXX XXXX XXXX  in connection with my student loans. It appears that the Federal Trade Commission has sued Ameritech Financial for deceptive practices. I have been working with Ameritech Financial for a about a year now. Every month they take {$50.00} per month to apply towards my loans to get the rate lowered. I asked Ameritech Financial where was the fifty dollars going every month. I was told that it goes into an account. I got curious again, and called FSA and told them what Ameritech financial said, and FSA said that Ameritech financial can not change the amount of loans that is owed to them. I was told that ; federal Student Aid will charge me a higher rate to pay off my loans. I also received a letter that my renewal is up in XX/XX/XXXX. If that is so, and they have been sued, then how are they going to stay in business?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: American Revenue Management, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My credit score had a collections attached which I was not aware of. I contacted the creditor on XX/XX/2023 to let them know that the debt is fradulent ( the amount I am billed for did not benefit my case ) and I dispute the debt. The creditor claims I received a notice for arbitration which I did not receive and that I have not disputed the debt in time and therefore insisting money is owed and interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX of XXXX a XXXX credit card was opened in my name using a different address, I notified Experian to dispute and also XXXX fraud department XX/XX/XXXX. XX/XX/XXXX Experian notified me through email stating that the account was complete and accurate to belongs to me. I notified XXXX and the shared with me that they have not completed the investigation it is still pending.

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 2021-06-18
Company: American Coradius International LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX has repeatedly attempted to collect funds that they themselves have stated were unauthorized transactions ( declined at point of sale ). 
On XX/XX/2021, they denied my claim for unauthorized transactions. 
On XX/XX/2021, they stated that there WERE unauthorized. 
On XX/XX/2021, they stated they were " escalating to their back office to resolve. '' They have now submitted the {$450.00} to a collections agency when they simply were not owed any money whatsoever. This needs to be addressed by XXXX IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Early Warning Services, LLC
State: GA
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:
The numerous unauthorized inquiries that are shown on my file are concerning. Recently, I attempted to acquire a checking account at the nearby XXXX XXXX XXXX XXXX branch. I was surprised to see that the bank had refused my application because of an inaccurate Early Warnings report. I'd appreciate a prompt answer, and I ask that you dispute and update my credit record with all of the fraudulent inquiries deleted. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 

Because I did not apply for credit with XXXX XXXX XXXX I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter.

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 2023-10-04
Company: NEW YORK COMMUNITY BANCORP INC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Lien release

Complaint:
On XX/XX/XXXX I submitted a complaint against Flagstar Bank ( # XXXX, see attached ) regarding their Partial Release process, and that it was the reason a property sale fell through. I had a contracted buyer that backed out after 3 months of extensions to a contract that began in XX/XX/XXXX, and still no Partial Release from Flagstar Bank. 

When I checked the status of my complaint on XX/XX/XXXX, the CFPB had closed the case because Flagstar Bank stated there was an unauthorized 3rd party involved. The CFPB agent ( XXXX ) that I spoke to reread the complaint to determine if there was actually a 3rd party included in the in my complaint. He verified that there was no 3rd party indicated in the complaint, only me and Flagstar Bank. The CFPB agent then suggested that possibly Flagstar Bank thought that I had not personally written and submitted the complaint. I find that a little insulting, considering they know nothing about me personally. However, I did write and submit the original complaint by myself, and sent Flagstar Bank an email stating so. The agent also suggested that since I had a name change ( I remarried during this long-drawn-out process ), that I attach a copy of my DL, marriage license, and a handwritten statement that I am the only person involved in writing and submitting the original complaint against Flagstar Bank. All of those documents are attached, as well as a copy of the original complaint and attachments that were submitted on XX/XX/XXXX. 

Please consider this an addendum to the original complaint. I still contend that Flagstar Bank 's unreasonably lengthy Partial Release process was solely responsible for the loss of a property sale with a contracted buyer. Please see original complaint for details regarding Flagstar Bank 's Partial Release policy, how it has impacted me, and my proposed resolution. 

Thank you for your assistance in this matter, it is greatly appreciated.

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 2021-05-02
Company: BAM Management US Holdings Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
This involves a company called Binance.us which is an online exchange for buying cryptocurrencies ( similar to Bitcoin ). Before buying these currencies ( such as Ethereum ), your have to fund your account with US dollars. I was not able to send money to my account with Binance.us from my XXXX XXXX  account- XXXX XXXX in XXXX MD because Binance 's wiring instructions was not working and also improper. For example, the beneficiary of a wire to Binance was a company named XXXX XXXX and not myself or my name ( which it should be ). i tried three times in XX/XX/XXXX to send money to this account and it never worked. A fourth attempt was made on XX/XX/XXXX to send a {$4000.00} money order to them and after two months of not being credited, the money order was returned to me is a letter from XXXX XXXX and XXXX XXXX on a letterhead which looks suspicious and not an authentic company and not a company related to Binance.us. A copy of the letter is attached with the phony, inauthentic letterhead. The problem since XX/XX/XXXX is that XXXX XXXX tried to debit my XXXX XXXX  account 4 times {$20.00} or {$80.00} for failed funding attempts and XXXX XXXX  dismissed and credited those charges because they knew they were false. After that, Binance.us froze my account with them until I paid the {$80.00} in false charges. It has caused a lot of stress for me not able to access my account which Binance has no right to do. They said they would unlock my account when I move {$80.00} into my account to pay these false fees. I can not move the {$80.00} into my Binance.us account because my account is locked. Binance.us appears to go along with this wrongful control because they want to keep the balance in my account elevated even though they are not a secure long term storage wallet. Binance.us should be regulated more like a bank and also they don't provide direct telephone support or even direct email support and never get around to taking care of this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: WA
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name ( XXXX XXXX XXXX  XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer Report containing any of the following items of information Any other 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 ( 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 2023-06-02
Company: Experian Information Solutions Inc.
State: PA
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:
I received a copy of my reports from XXXX, XXXX, and Experian. 
I found several errors on accounts as well as misinformation across the three consumer reporting agencies. After disputing the information, there's still errors.

It's not possible for the information to be correct " verified '' and different at the same time.

They refuse to provide proof of how they verified the information.

I know this violates my consumer rights.

I would like to exercise my right under -15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless I am opting out from XXXX, XXXX, and Experian from reporting on 7 of the accounts on my consumer report. 

I have provided the proof. 
The seven accounts to be removed from my reports due to Metro2 Noncompliance are as follows : 1 ) XXXX XXXX  - Opened XX/XX/XXXX 2 ) XXXX Opened XX/XX/XXXX 3 ) XXXX XXXX XXXX Opened XXXX, XXXXXXXX  4 ) XXXX  XXXX Opened XX/XX/XXXX 5 ) XXXX/ Opened XX/XX/XXXX 6 ) XXXX XXXX  Opened XX/XX/XXXX 7 ) XXXX XXXX Opened XX/XX/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 2023-11-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BMO Bank opened a checking account in my name on XX/XX/2023. On XX/XX/2023, upon request by BMO, I provided a copy of my current driver 's license, social security card and utility bill for identification. Despite my providing these documents, BMO unilaterally closed the account citing some kind of fraud. No specifics were of the fraud were given to me. I tried to convince BMO that there is no fraud, but BMO closed the account anyway. I have not received any document from BMO giving the specifics of the fraud/suspected fraud.

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 2023-09-13
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2021-06-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
As a Federally Protected Consumer asserting my rights, I have attempted to resolve this matter with the company in question ; XXXX XXXX XXXX. They simply responded by referring me to the collection agency that they sold/assigned the debt to and providing me with the copies of my original loan contract. Within that contract Ive found several violations where XXXX XXXX XXXX are criminally and civilly liable. My attachments provide proof of ALL violations under 15 USC 1601, 15 USC 1681, 15 USC 1692

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