BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-26
Company: EQUIFAX, 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 am a federally protected consumer and my consumer rights are being violated pursuant to USC 1681 Fair Credit Reporting ACT. There are fraudulent accounts appearing on my credit file and I have filed an identity theft report with the Federal Trade Commission. Pursuant to 1681c-2 Block of information resulting from identity theft- I need the following accounts blocked and deleted from my credit file immediately and must be deleted with 4 days according to congress . These accounts may not appear on my file in the future because I do not give permission. 

The Following Accounts need to be deleted immediately : 1. XXXX XXXX Account Number XXXX-XXXXXXXXXXXXXX 2. XXXX XXXX Account Number XXXX 3. XXXX Account XXXX 4. XXXX XXXX Account Number- XXXX 5. XXXX XXXX Account Number- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, 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 is my continued endeavor to tell you that I am a victim of identity theft and I complain to question a specific account in my document coming about because of the wrongdoing. The account I am questioning connects with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of identity theft. I filed a police report with XXXX Police Department on XX/XX/2021. 

I sent in a request with Certified mail to Experian ( as per USPS tracking, it was delivered on XX/XX/2021 ) requesting that Experian block the fraudulent information within 4 business days according to FCRA 605B. 

I have included with my request the following documents : - Copy of Police Report - Copy of Drivers License - Copy of Utility Bill ( Proof of Address ) - A detailed list of the fraudulent information As of today, XX/XX/2021, Experian failed to block the information from appearing on my credit 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 2023-07-26
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Back in beginning of XXXX ( Covid Days ), I used XXXXXXXX XXXX to make a small purchase of {$20.00}. At that time, I had PayPal as my only payment method to pay for any XXXX purchases. To my surprise, without any agreed-on arrangement, without my knowledge and six months later they started sending me a statement from unknown bank by the name of Synchrony Bank ! 

I reached out to both XXXX and Synchrony Bank to inform them that the payment was made on my PayPal card. They acted like they understood and well aware of my sole payment method on my account. 

Both XXXX and Synchrony Bank customer services tried to act like someone used my account without my knowledge and they want to list it as a Fraud, even know I told them that the purchase is valid and legit. 

After multiple monthly conversations with multiple customer service representatives after receiving a false statement, I was not giving any option, other than to transfer to Fraud Hot Line! to report this. 

Going through this non-sense scam and unethical practice just to inform me that they canceled a credit card, that was never sent to me and promising me that this issue is closed and there is nothing for me to worry about. 

But fast forward 2 months later they kept sending me new statement that grow about {$30.00} a month and here we are in XXXX with outstanding balance of about {$600.00}. 

The last statement received shows that amount as transfer from a fake credit card to another fake credit card that I know nothing about!, but the amount is growing by the day. 

What I see here is two companies trying to scram consumers to recover from slow Covid days lost revenues. 

I need to report this as a complete Scam by these two companies and also make consumer aware of such a lousy ploy to generate revenues. 

I am not sure what to do here! Do I need to hire a Lawyer or contact the 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 2021-07-24
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On or around XX/XX/2021, I was contacted by my brother who informed me that an individual approached him at his home looking for me and asking for my address regarding a health debt. The individual stated they were from an attorney 's office, but would not provide name, contact, or other identification information. My brother declined to give any information and was told that I was being sued. 

On XX/XX/2021, I received and alert from XXXX and XXXX that there was a new address added to my credit file. This address was that of my brother ' home ( previously mentioned ). I have never resided at this address nor have I ever used that address on any of my contact information for any account I have. I filed a dispute with all three bureaus to have the address removed. I have yet to receive any resolve for this issue. 

On XX/XX/2021, I received yet another call from my brother that a different individual came to his home to inquire about me and my whereabouts. He stated the male was in uniform and stated they needed information to provide to the courts. My brother also said that the individual began asking him intrusive personal questions, such as how long he had been residing at that address. 

I have deducted that Kings Credit Services in XXXX, California, are sending representatives to contact my family members. Kings Credit Services have previously contacted me by phone and mail. I have received multiple back to back calls for days at a time ( at least 7 per day ) and have had to block each phone line every time. l have also attempted several times to reach them to settle the debt requesting pay-for-delete. Each time, I am ignored and the amount of the collection continues to increase. The original debt they claim is for {$800.00}. It not exceeds {$1000.00}.

I am filing this complaint as I believe my rights under FDCPA have been violated. The debt continues to be misrepresented as a health or medical bill, in which it is not. Moreover, I do not appreciate the harassment of any relatives or contacts. Please follow up on this request so that we can rectify this situation as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX my Capital One credit card was charged fraudulently for two transactions, one totally {$7500.00} and the other {$4300.00}.

The charges were made in a region ( XXXX, NY ) about 6 miles from where I live ( XXXX, NY XXXX. At the time of the charges ( XXXX and XXXX ) I was at home with my wife and child. I reported the charges as fraudulent via text at XXXX after receiving an alert to my phone and called Capital One from my home at XXXX to confirm my card had been suspended.

Capital One are reporting that a physical card was used in the store and because I am not certain whether my card was lost or stolen at the time, they are refusing to refund those charges. I did not make those purchases and can verify that I was not in that area at the time those charges were made. This is a clear case of fraud and I would like to bereimbursed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

Company response to consumer: In progress
Consumer complaint received 2023-06-24
Company: EQUIFAX, 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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 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 2021-07-24
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased this gift card at the XXXX store sometime ago. I do have an Activation Status Receipt from the store but dies not show the date of the transaction. 

I gave this card to a family member but when she wanted to use it at the store, it was declined. So when I checked the balance, it says it has a XXXX  balance. I called the number on the card, but they said I should check with store I purchased from. I, then, checked with the XXXX, they couldnt trace the record. 

Please investigate the situation for me, it will be greatly appreciated. Thank you! 


Please in

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-26
Company: Social Finance, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My name is XXXX XXXX, I've summited a couple of disputes through XXXX  and XXXX  's web site with no positives results, 4 years ago I entered a program with XXXX XXXX XXXX to pay off some creditors seems it help pay off my debt but there's one creditor that's not reported correctly to the credit bureau stating the loan was never paid or a lost account I've found out that the account was sold to a 2nd party and the settlement agreement was paid to them even though I have uploaded my settlement agreement letter and also another letter stating the account was paid and settle there is no changes made on my credit report with this creditor Sofi,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I talked to the branch XXXX in XXXX Louisiana on XXXX XXXX and he asked me can I make a payment on Monday XX/XX/XXXX I stated I could come that Friday XXXX I would have a pay check he replied No so today XX/XX/XXXX I call because I missed a call and spoke with a XXXX XXXX who told me hold so she could see what the XXXX call was in reference too ; when she got back on the line she was very RUDE and stated disregard the XXXX call the next call would be from our attorney I asked her so dont make a payment on the XXXX she said No! These people call me numerous time a day XXXX or more ; they call from personal cells and all. XXXX going to pay the loan just was switching jobs and needed to pay on XXXX but the XXXX insisted I had to pay on Monday the XX/XX/XXXX. Once paid I will NEVER get a loan form Tower Loan nor would I tell anyone to patronize this company

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 2023-08-16
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bank with XXXX so I rely on brick and mortar banks to withdraw cash. On XX/XX/2023 around XXXX, I withdrew money from the Wells Fargo XXXX ATM located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I selected {$250.00} to withdraw but only received {$200.00} with no receipt. 

I drove my car around to the front and parked. I first opened my XXXX account to confirm the amount withdrawn. It said {$250.00} ( the {$250.00} + {$3.00} ATM fee ). Then I went inside to report what happened to a human. 

I waited in line for XXXX minutes, then spoke to a teller and his colleague who asked me a few questions then provided me a business card. I was told ATMs are handled by a third party, so there is nothing anybody in the bank could do to help, and that I need to report it to that number. 

At XXXX, I went to my car and called the number on the card. I was told that I need to dispute this with my own bank as they couldn't do anything to help me since I'm not a Wells Fargo customer. At XXXX, I called XXXX and opened a dispute claim. 

On Wednesday, XX/XX/XXXX, I was notified that the investigation was completed and denied. Wells Fargo provided a paper copy of their records that the correct amount was distributed. 

I called XXXX at XXXX to follow-up, asking if they are able to ask for video evidence, as that would prove the full amount was not dispensed. I was told I need to talk to Wells Fargo as XXXX will not re-open the case without additional evidence. 

I called Wells Fargo at XXXX. I was told again and again that they can not help me unless I am either ( a ) a Wells Fargo customer; or ( b ) the bank. I was told I need to talk to my own bank for any further action. 

I called XXXX again at XXXX and explained that Wells Fargo is not willing to work with me since I'm not a customer, but would work with the bank. I asked if they are able to ask Wells Fargo for the video, as I have the exact date, time, and location of the ATM withdrawal. The XXXX agent told me again that the case will not re-open without additional evidence from myself. 

Now I am filing a complaint with CFPB against Wells Fargo.

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 2021-07-25
Company: Better Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Requested rate online for refi of mortgage with couple of online lenders. Received email followed by phone call from Better.com and XXXX XXXX, loan originator. I was told in writing and in phone call because of the 60 % XXXX I estimated and 50 % XXXX XXXX estimated and my excellent credit I was pre approved. 
I made it clear numerous time I was not prepared to move forward yet as I had to leave town in few days to help with family having major XXXX XXXX and would not have access to records of multiple properties I owned. XXXX however assured me repeatedly there were only couple things needed to do online. After answering few questions online and becoming concerned that this was not a no doc or low doc mortgage, the next tasks on website were locking in mortgage and paying for appraisal. I asked her if appraiser needed inside and she didnt know. I told her if he or she did to tell them it would be few weeks. I also asked if I was going to be asked for tax returns as I would need to scan the 50 or 60 pages before leaving town. 
The appraiser called few hours after I paid appraisal fee and was told nothing. The tasks continued to pour in day after day with XXXX and her assistant refusing to take any responsibility for the misleading pre approval and other statements the were fully aware were misleading. The document I did provide with explanations were repeadetly rejected because pertinent information was never conveyed to underwriting. I repeadetly explained for example many properties were paid for but they continued the website continued to request loan papers. 2 properties that are on one insurance policy were repeadetly submitted with explanation to XXXX, her assistant and her team yet they would simply load to website and then tell me they were rejected because address was wrong. 
This repeated deceptive pre approval and ignoring everything I have said since day one including income on application says XXXX when XXXX, mortgage listed twice ect were of no concern to them. All they wanted were task completed which must be 30 or 40 items and website that is horrible for self employed or landlords. They have now insisted my application may be rejected for being incomplete. They accept no responsibility for sucking me into process that I repeadetly told them would be difficult with only cell phone that must be off most all day and records XXXX miles away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Twice I have closed my TD account this year. The first time, I was emailed and sent a letter that my checking account was closed only to find out that I had over {$35000.00} in the account. 

I recently closed it again, with another letter stating my account was closed. I also closed my Visa card. I recently moved and asked what was my total charges on the Visa card. I was told that it was around {$12000.00}. I paid the full amount due and cut up the credit card. 

I then find out from TD bank that I still had about {$23000.00} in my checking account and finally spoke with a specialist after I told them that I was filing this report if they did not wire my money into my XXXX XXXX in XXXX XXXX NJ. They wired {$16000.00} into the account the following day so I though that was that. It takes forever to get an associate on the phone and after waiting 1hour and 47 minutes on hold, I hung up. 

What prompted the call last night was an email I received that they are sending my XXXX car payment of {$1200.00} out tomorrow. That was my second notice on that. I tried calling four times and emailed them twice. I am now on hold again at XXXX for 22 minutes. 

This has been notorious behavior by TD bank in this area which is why they are closing at least 16 branches in the area. I had both a business account and a personal account with more that $ XXXX dollars in the two accounts. I couldn't even get {$10000.00} dollars out without waiting nearly a week, and I quote, " for the truck to come. '' Not only that I was told to call first because, and I quote agin, " you never know if the truck might break down. '' This is a known problem with many people I know as well as the constant line of people in the various branches around here. They closed the inside of a local branch on XXXX XXXX and an older man had walked to the bank to get some money out and he couldn't so I gave him money to get a taxi and at the same time another person asked if he could get to " gift cards '' because he couldn't get any of his money out either. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: TN
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:
Account Name : XXXX XXXX XXXX Account Name : Tennessee Department of Human Services CS Account name XXXX XXXX under these laws accounts must be removed 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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