BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-06
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reached out to the bureaus in regards to a dispute in question in regards to a repo that was on my credit reports, found out somebody had gotten a vehicle in my name and the vehicle im guessing has YET to be recovered, cant get any information in regards to it because I cant verify account information to whoever has the car so they only tell me what they can well I went to the actual dealership and they were able to give me some information to help me, I was able to contact the company and they finally sent me documentation in regards to the vehicle to help me get the car removed.

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 2023-09-22
Company: EQUIFAX, INC.
State: AZ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Down payment funds of XXXX were wired ( domestic ) from Wells Fargo to an XXXX dealership account ( Bank XXXX XXXX ) on XX/XX/XXXX. 
Wells Fargo XXXX # XXXX RFB # XXXX After a few days of back and forth with the XXXX dealership, on XX/XX/XXXX I recalled the wire of XXXX  because the XXXX dealership had still not received the funds in their Bank XXXX XXXX account. I did verify it was wired to the correct account number with the XXXX dealership. 
I was asked by Wells Fargo to allow XXXX business days for a resolution. They have already violated this policy. 
As of today XX/XX/XXXX, Wells Fargo has still not provided a resolution. 
I was given the run-around from Wells Fargo this XXXX speaking to at least XXXX different account reps. From my conversation with some of account reps, actions still had not been taken by Wells Fargo to retrieve and reinstate my wired funds. XXXX  is a large amount of hard earned money for me and is causing me XXXX and 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 2021-03-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dates : XX/XX/2021 Amount : {$700.00} Actions taken : I was robbed for my unlocked phone, and the suspect then emptied my bank account. I filed a police report, still have not received my money back. Just trying to fix this situation! 
The company, Citi Bank hasnt done much since.

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 2023-09-07
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Disputing information on credit repirt I am writing to dispute inaccurate informatiin that your company supplied to the creditor listed above ( XXXX XXXX, equifax ) Here is a list of inaccurate accounts XXXXXXXX XXXX acct number XXXX XXXX  XXXX acct numberXXXX XXXX XXXX XXXX XXXX acct : XXXX According to my records the information you are reporting inaccurate. I demand that you remove this information. 
By provision of the fair credit reporting act of 1970, U.S.c $ {$1600.00} et seq., I demand that these items be reinvestigated and deleted from credit record.

Under the terms of the section 1681 ( i ) of the act, you have 30 days from the receipt of this letter to verify this disputed information.

Also, pursuant to 15 U.S.C.Section 1681 ( d ) of the act, please notify me when the items have been deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
Company: BMW Financial Services NA, LLC
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: Account information incorrect

Complaint:
In accordance with the Fair credit reporting act XXXX  XXXX  # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX a creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2020-12-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
WELLS FARGO has violated my rights and privacy, Failed to present the Original Creditor or the name and address of this alleged debt.

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 2021-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To whom it may concern, I have a charge off from KOHLS DEPARTMENT STORE that is still listed on all of my credit reports. 

I called several times regarding this and was told by KOHLS DEPARTMENT STORE company this would be removed from my credit report. 

I just checked again today and currently XX/XX/XXXX and it is still showing up from ( KOHLS DEPARTMENT STORE ). I would like this updated and removed from all 3 credit report agencies ( XXXX XXXX, and XXXX )  as they had promised. 

Card Detail : KOHLS DEPARTMENT STORE Opened XX/XX/XXXX ( 6 yrs, 7 mos ) Closed XX/XX/XXXXThank you for your time, efforts, and assistance in having this removed, I am grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I pay {$95.00} a year for the XXXX XXXX XXXX Credit Card through Chase Bank. As I have a couple of different Chase credit cards that offer far better value for travel, including on XXXX, I still have this card only because it gives me XXXX XXXX XXXX passes per year to use, so I'm being charged {$95.00} a year for XXXX lounge passes. 

On XX/XX/XXXX I attempted to use the XXXX XXXX at XXXX XXXX, but Chase is denying the use of any day passes because they've shut down most of their lounges at XXXX ( their major hub ) and can't handle all of the traffic at the club that remains open. This is completely a management decision, and XXXX could handle the traffic if they kept their other clubs open, but they've decided against it. This was not an issue of limiting acceptance of passes for a few hours that day, which is allowed in the terms and conditions, XXXX has just stopped accepting all day passes right now for an extended period, which is not part of the terms and conditions. As I am paying for a product I am unable to use, due to a change in the product offerings, I want a refund of the {$47.00} that the unusable day pass cost me. 

Despite bringing it to the attention of Chase that XXXX is currently not accepting passes, nor are most of their advertised lounges open, Chase is still selling this product with lounge access, even though they are now aware that their members will not be able to use the product that they are purchasing from Chase, which is purposeful fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Premier Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Starting on XXXX XX/XX/2020, representatives from Premier Mortgage LLC have been incessantly cold-calling. Over 25 calls in 7 days and one email.

They state they " are calling from the VA Department '' misrepresenting their affiliation. Also, when asked to clarify, they insist they are calling from the Department of Veterans Affairs, and make an effort to distract and move on to offer a VA streamline refinance.

I asked 7 times to be placed on their do not call list. The calls continue. One loan specialist threatened me when I brought up misrepresentation as a VA official. Others refused to provide their names and license number and hang up the calls. 

The email they sent copied the addresses of XXXX recipients fully disclosing all email addresses. 

XXXX XXXX XXXX Managing Partner XXXX # XXXX Premier Mortgage LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Office : XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
During the month of XXXX in the year 2020 I was given the option of opening a credit card with the company Care Credit in order to cover dental expenses. I accepted this offer and opened an account. Unfortunately, I was not made aware of the deferred interest and was only given a receipt with my purchase. I was taken advantage of as a XXXX XXXX XXXX with little experience with credit cards. I was not made aware of the fact that I was given a promotional period and would have to pay off my balance by a certain time to avoid interest charges. I only became aware of this fact after I had been charged {$3000.00}. I did not receive any phone calls concerning this promotional period or interest charge and only became aware of this charge once I saw that my credit score had gone down. After contacting the credit card company I was told that I had been made aware of this information on my statements ; however, I find it to be unreasonable that I was not told prior to opening this account of the conditions. I feel I was a victim of unfair and deceptive credit card practices as I was misled and not given adequate guidance. If I had been made aware of the deferred interest beforehand, I may have not opened an account in the first place.

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 2021-02-12
Company: EAST WEST BANK
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Dear Sir/Madam of the CFPB, On or about XX/XX/2020, I entered into an investment SCAM with XXXX XXXX using my XXXX XXXX XXXX  account to transfer XXXX USD. They then took my funds and failed to repay the money to me upon request. 

It should be noted that the Company is a client of theirs by XXXX XXXX XXXX XXXX committing financial crimes right under their nose, which involve, among other things, stealing and laundering large sums of money on a regular basis. 

Although I am not their client, you can not deny the fact as a respected financial institution in the United States ; they didn't protect me about the risk of this transaction. They as a legitimate Payment Service Provider hereinafter " XXXX '' as all PSPs ( i.e. East West Bank ) are by law required to check acquired Merchants through proper Know-Your-Customer ( KYC ) and Anti-Money-Laundering ( AML ) procedures! It is apparent that the merchant ( the Company ) has never been examined by their organization! 

There is no need for particularly intensive KYC/AML checks to identify illegal broker schemes and fraudulent operators. Alarm bells for PSPs must ring at the latest when investor warnings from regulatory watchdogs reach the market. Moreover, measures have to be taken to avoid punishment by regulators and courts. 

As a regulated and licensed financial institution in the United States, they have strict statutory and regulatory obligations to monitor transactions and report any suspicious activities to law enforcement authorities

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 2023-08-09
Company: Experian Information Solutions Inc.
State: WI
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 rights to privacy and confidentiality under 15 USC 1681.

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 2020-12-24
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I reviewed a copy of my credit report and show inaccurate information listed. XXXX XXXX account number : XXXX is show as a charged off account but this is an open balance of {$4700.00}. Also, the last payment date show listed is XX/XX/XXXX, but as of XX/XX/XXXX my payment history listed is showing an on time payment. How is this possible on a closed account. Per the FCDPA this account is in direct violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. You have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 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 XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This Loan was an installment loan for home improvement This company is reporting it as a mortgage. They will not return my phone calls or emails. There is only one lady that handles my account. Her name is XXXX she has treated me like I am garbage. She wont respond to my emails or my phones calls. All I need is clarity on what type of loan this is.

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 2021-02-26
Company: Title365 Holding Co.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have reached out numerous times to address issues with a refinance on my current home. I had closed on my home on XX/XX/2021, and had a payoff for my supposed previous mortgage on XX/XX/2021. I have contact Title 365 via the mortgage broker numerous times without resolution. I will now incur additional interest costs on my loan since they have not paid off my current loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 non-monetary relief
Consumer complaint received 2023-08-09
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:
I request to block and remove these inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Experian and XXXX are obliged to block and remove any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this identity theft report in my previous letter & I am including it again. Also, the data you provided on these inquiries are UNKNOWN to me and were REMOVED from other bureaus and so I have doubt about the accuracy of these inquiries still reporting in my credit reports : EXPERIAN : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. This is to inform you if you do not BLOCK and REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.

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