BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
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:
In accordance with the Fair Credit Reporting Act. The List account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15USC 1681 Section 602 A States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: OH
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-05-24
Company: EQUIFAX, 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:
Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these FRAUDULENT accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I have signed all Wells Fargo contracts that require my signature with XXXX XXXX XXXX and I have also wrote and signed my AFFIDAVIT that was noteized by an Notary with XXXX XXXX XXXX signing it with my signature, That the charge from XXXX is FRAUD/Fraudulent charge Not In My Name I was giving refunds back from cancelled stays and an {$34.00} dollar food refund and because of this WELLS FARGO said it was for a stay for over {$450.00} the amounts credited back to me was done as different refunds the amount of {$450.00} was done as one charge and the amounts of {$160.00} doesn't equal up to {$450.00} WELLS FARGO BANK trying to extort money from me I don't owe I have told them to show me proof that the charge from XXXX  that shows my name on the charge from XXXX with my name on it and WELLS FARGO has refused to do so staying the charge is mine Show The Proof it SHOWS MY NAME and show where I was refunded back {$450.00} for an Fraudulent charge I have disputed I HAVE RIGHTS AND WELLS FARGO SAID THAT PROTECT YOU FROM 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 monetary relief
Consumer complaint received 2023-07-16
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Citi denied a card after saying i i was pre-aprroved.If they saw my credit report they saw the bankruptcy. Algorithm needs fixed or an exam needs to review this process. 3 of ther 4 denial reasons say bankruptcy from many years ago. I have 6 cards, i XXXX XXXX XXXX XXXX  card. credit i snot an issue, they have me blackballed. Consumer harm to my credit report. Called and reported. Citi needs to review their application process, make it fair, and this seems to be an in fair practice or UDAP...... definitely need an examination team from the west region to review hwo they process pre-approvals and denials. Seens to be a disconnect. screwing consumers over is a not a good business practice. 

I have a less than 30 % debt to income, i pay no taxes so my gross is my net, and my last 5 years of credit is perfect. Again they seem to be providing much consumer harm. As one would expect from a citi card with what seems little to no compliance oversight, or board reviews., Just from me talking to them once. See attached denial letter. Ridiculous 3 of the 4 reference bankruptcy, 1 would be appropriate, 3 is abusive. 

I would have consumer stay away until remedied.

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 2023-05-24
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: Account information incorrect

Complaint:
There are inquires that I didn't authorized and several accounts that are not correct with amounts and or charged off stutus on my report. I have outlined all of these issues in the letter attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27
Company: AMERICAN HONDA FINANCE CORP
State: VA
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:
Complaint Description : Honda Invoice dispute on 2019 XXXX County Personal Property Tax Invoice. Tax is not owed due to sale of the vehicle. Honda invoiced consumer after the account was closed and paid in full.

I purchased my Honda Lease and all outstanding payments were paid in full at time of the transaction ; I had a zero balance and no late payments. After the vehicle was sold from a Lease and the account closed, Honda invoiced for 12 months of XXXX County Personal Property Tax in the amount of {$350.00}. This amount is disputed due to sale of the vehicle. The amount is owed as a refund by XXXX County due to the vehicle sales date. Per XXXX County Treasury Office, it is Honda 's responsibility to request and collect a refund from XXXX County. 

Honda was not able to provide the prorated amount due until XXXX County refunded tax collected. On XX/XX/2019, XXXX County refunded {$270.00}. To date, I have not received from Honda a revised statement showing my balance due with the XXXX County applied credit. I did receive a letter dated XX/XX/XXXX, as a dunning notice to pay {$79.00} within 30 day. {$84.00} was paid XX/XX/2019 confirmation # XXXX within the terms of the letter. Honda incorrectly reported to the Credit Bureau 60 days delinquent. My prorated portion of the payment was made timely, within 30-days.. 

After purchasing my Honda Lease, XXXX County Tax Department Invoiced me directly for the same vehicle for 2019 Personal Property TAX due {$260.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: BlockFi Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've filed a complaint about similar behaviour previously and they laughably denied that the complaint belongs to them, with no evidence that it doesn't. Literally it does, their name is all over it, they are in bankruptcy. check cfpb case : XXXX. Anyway, they sent me another email today in clear violation of my rights as a creditor of blockfi and in clear violation of XXXX  law, and in total contempt for the cfpb requirement to respond to complaints, and against basic human decency. I have included a screenshot of the inappropriate communication. This is harassment, and I am getting extremely angry just by recalling the events to write this complaint. I was going to include more detail, but I am too angry .... Not worth it. STOP XXXX CONTACTING ME BLOCKFI! AND XXXX PAY ME! ALSO JAIL! BLOCKFI IS A CRIMINAL ENTERPRISE AND ALL THEIR COURT FILINGS ARE FRAUDULENT, AND THEY HAVE BEEN ATTEMPTING TO EXTORT/ COERCE ME AND OTHER CREDITORS INTO SIGNING THINGS. I WILL NOT SIGN ANYTHING. FRAUD! FRAUD! FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: BMW Financial Services NA, LLC
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 XXXX Account ( s ) Name ( s ) and Number ( s ) : Account name : BMW FIN/ALPHERA FIN SVCS ; Account number : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: EQUIFAX, INC.
State: MI
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 am writing to address the ongoing issue regarding the inaccuracies present in the consumer report furnished by XXXX XXXX on my behalf. The purpose of this letter is to formally request that all communications from your organization cease immediately, unless you are willing to compensate me for the violations committed. 

It has come to my attention that XXXX XXXX has been reporting inaccurate information on my consumer report, which has had a detrimental effect on my financial well-being. These inaccuracies have caused significant financial losses and have hindered my ability to engage in various financial transactions. 

I hereby demand that XXXX XXXX rectify the inaccuracies in the consumer report promptly. Furthermore, I insist that your organization ceases all communications with me, unless you are prepared to compensate me for the violations committed. This compensation should reflect the damages caused by the inaccuracies in the report and the subsequent negative impact on my livelihood. 

Please consider this letter as a formal notice to cease and desist all communications regarding the inaccurate consumer report. Failure to comply with this request will result in further legal action to protect my rights and seek appropriate remedies. 

I anticipate your immediate attention to this matter and a prompt resolution. Please confirm your receipt of this letter within 10 days. Any future communication from XXXX XXXX should be in writing and strictly limited to the resolution of this issue. 

Thank you for your understanding and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have sent multiple letters asking for validation and the method of how they validated multiple accounts and questionable items on my credit report. the items that are listed on my credit account shows different balance and dates which are not matching and have not received back anything in over 45 days for these accounts that are clearly inaccurate accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023. 
XXXX The following information is being reported incorrectly. 
Date of last activity shows 3 different dates, and it shows that two different companies owe the same amount. With two different balances. 
XXXX XXXX Shows two different original creditors that are not matching. 
XXXX XXXX shows account status open and the other say closed that's inaccurate. information XXXX shows 3 different dates XXXX- shows 2 different balances XXXX XXXX 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.

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.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$9400.00}, XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$11000.00}, XXXX XXXX Owed : {$6200.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$930.00}, XXXX XXXX Balance Owed : {$12000.00}, XXXX XXXX XX/XX/2022

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 2018-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
I first identified a problem with my Capitol One account in XXXX of XXXX to notify them of fraudulent charges that had occurred on my account. At that time, my credit card was cancelled and a hold was put on the account so no other charges could be charged and would be sent new credit cards. We were told to make a list of all of the fraudulent charges that were against our account totaling {$1700.00} starting from XX/XX/XXXX XXXX XXXX XXXX. We explained to them that because we were set-up on an automatic payment system and they were sending the billing address to the wrong address, we had not become aware of the charges until we were doing an account overview of all of our accounts. Since that first point of contact in XXXX of XXXX, I have faxed over the list of fraudulent charges twice, most recent being XX/XX/XXXX. I have also spoken to various customer representatives and supervisors almost every month, last point of contact being at the end of XX/XX/XXXX ( when I faxed over the fraudulent charges again ) in which I was assured that they are still investigating these charges and that I should start seeing some charges being reversed ( there has been none ) .I have been told over and over these charges will be taken care of and I feel like I keep getting the run around and I am still having to pay money towards this balance and interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: KY
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:
I sent certified letter requesting under 15 usc 1681c-2 block of information from identity theft. that the accounts they are reporting on my consumer report are not mine and result of identity theft. inresponse they sent back letter stated they were verified and where mine, if so required by FCRA they are by law to verify that its mine they are to have a verified contract with my wet signature on file that proves its in fact that they are my accounts and to show me by law how and what procedure was used who in their company verifed these, where is the verifed documents and if they can not provide such proof it must be deleted. 

please see attached documents required by law by me the comsumer to have these accounts deleted from my credit report Accounts to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-18
Company: MORGAN STANLEY & CO. LLC
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XX/XX/2023 I attempted to transfer money from my credit union to Etrade. I was distracted so accidentally did not verify I had enough money in the credit union account to make the transfer. 

When the credit union saw my mistake they charged me a fee and that's it. 

When Etrade saw my mistake they charged me a fee and put a hold on my account. I have been trying ever since to lift that restriction. I have tried 4 times, the last time being XX/XX/2023. They will not lift the restriction until I send them a photo of my drivers license ( done ), a letter explaining that I want to withdraw my funds and close my account ( done ), and a copy of my bank statement from my credit union. I seems illegal to me to have to provide private personal account information from another financial institution in order to close my account! This is my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX/XXXX is reporting activity on my credit reports and I have never had an account with them. My husband, who is a homeowner, is the one with the account with them. I have never purchased anything from them, nor have I given them permission to extend credit to him.

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