BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
Events : On Friday, XX/XX/XXXX at XXXX I received a phone call the person identified themselves being with XXXX to verify I had purchased {$8900.00} in XXXX  Products. I told them I had not and it was fraud to stop the transaction. They asked if would like to be transferred to the Federal Trade Commission ( FTC ) to report fraud and I said yes that I would like to report fraud. I then spoke with a man named XXXX XXXX. ( XXXX ) He pulled up my name in his data base and said I was under investigation for suspicion of money laundering and drug trafficking. That under my name I owned 12 different homes, had 13 credit cards, 22 different bank accounts, and five XXXX accounts which I do not. He told me my name was associated with transferring XXXX XXXX in/out of the country. He told me they wanted me to cooperate with the authorities to apprehend the suspect to clear my name otherwise there would be warrant for my arrest, a lien on our home, and my assets frozen. I was told not to tell my husband or anyone as they could be a suspect. He then had me check on my laptop on the U.S. Treasury webpage to view the XXXX XXXX XXXX XXXX to protect my money so they could not freeze my assets. He asked if I would cooperate with the investigation to apprehend the suspect and I said I would to also to protect my assets.. Once my name was cleared and there was no warrant for my arrest I would then put the debit cards back into my American Express account.. He told me that I was to go to the XXXX XXXX XXXX XXXX and XXXX XXXX to obtain XXXX Gift cards in various denominations which you will see the transactions on my credit card. The amount on my American Express account is approximately {$4000.00}. Took pictures of the bar codes of the gift cards. He sent me a text picture of my arrest warrant from him at the CIA and he had me on speaker phone on my cell phone in my purse while I was in each store and in my car listening to all my conversations. If I did not follow his instructions the warrant for my arrest would be activated. I was certainly under duress. 
I have spoken with American Express and they have not been helpful. I have had my AMEX card sinceXX/XX/XXXX and their treatment of a loyal customer is unbelievable. I have worked for XXXX XXXX in Sales/Marketing for 30 years and I would never treat a customer in the manner that American Express has treated me in a situation that I was under duress. Thank you for any assistance you may provide and please contact me with any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
This is at least the Second time trying to submit this request/ complaint. I understand that I did not provide enough data for you to update. I stand firm that I do Not have a printer thus this avenue of  uploading documents through CFPB is my only option, it is irritating that TU 's remedy is to have me print identifying documents and mail them..or that your response will be generic in nature. How about addressing your standards to reflect other option? Effective XXXX XX/XX/2020. I am submitting my utility bill reflecting the current address - XXXX XXXX ( No other utilities are in my name and rental insurance or lease seem to work ; I am uploading one of those anyhow ) Please update this address. I no longer live in the XXXX apartment rental ( however, I have uploaded the water bill to prove that was my previous address ). I am providing my XXXX DL ( but it does not have a current address. I do not have a vehicle and will not be getting a new DL ). I have provided another Gov IDs. I have also provided my most current credit report ( TU may have send an updated - but with moving I do not have it yet ). Finally, and a bit off subject, but I would never intentionally work with you, TU unless I have to thus this is the predicament. I know you have nothing to do with this issue but I find it frustrating that there are 4 bureau 's and consumer agencies and nothing is consistent. In my opinion, there only needs to be 1 of you. I will keep up with this request across the board and hope that you will make this easier.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent inquiries, along with my statement ).

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 2023-08-14
Company: EQUIFAX, 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: Personal information incorrect

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  XXXX  data breach as well as XXXX 's XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX 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 2022-04-14
Company: Vehicle Solutions Corp
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 initial contact with XXXX and XXXX was on XX/XX/2022 when I sent a letter to both companies via certified mail that was delivered on XXXX and XX/XX/2022. After reviewing my credit report I noticed that an account from Vehicle Solutions Corp was reporting inaccurate information for alittle over a year and requested that the account be removed from my credit report. XXXX and XXXX sent me results of the investigation and stated the information was accurate however it is not and I can prove it in court that the information is not accurate. I have reached out to Vehicle Solutions on three separate occasions requesting that they remove the account from my credit reports. To date Vehicle Solutions Corp is still reporting in accurate information to my credit reports. No it is not my responsibility to tell a company what or how to report to the credit bureaus. The FCRA states that a company is not to report inaccurate, outdated, or invalidated accounts on a consumer 's credit file. It also states that its the credit bureaus responsibility to ensure that all information contained within a consumers ' credit file is accurate and free from errors. All three companies have failed to do this XXXX, Vehicle Solutions and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: MS
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this 1 of 2 account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On around the XXXX XXXX I open a Wells Fargo Checking account and close it and Wells Fargo sent me a letter in XX/XX/XXXX that my checking account was left open. 

On XXXX XXXX I received a letter from Wells Fargo Home Mortgage that I have a home mortgage in which I never purchase any home or apply for any Home Loan with Wells Fargo. 

Wells Fargo used my identity for another person of names of XXXX XXXX and XXXX XXXX XXXX to use my identity to keep my old checking account open that I closed in XXXX 's, so they can obtain a Home Mortgage. 

I don't know this people and I don't have no Home Loan or Mortgage with Wells Fargo. 
Also my full name is XXXX XXXX XXXX, my last name has XXXX XXXX not a XXXX. 
Why did Wells Fargo sent me this letter with unknown strangers I don't know to my physical address and who are this people? 
This is a Scandal, Fraud and Corruptions of Wells Fargo. 
I am been Discriminated and Retaliated and my Identity and XXXX XXXX XXXX under Department of Justice has been violated. 

I have made contact with Wells Fargo back around the XXXX or XXXX on issues but Wells Fargo didn't handle the issues and allow the Fraud, Scandals and Corruptions and now on XX/XX/XXXX a letter sent to me stating to me the issues will be address. 

This is a Fraud, Scandal and Corruptions and Discrimination and Violations of my XXXX XXXX XXXX  under Department of Justice. 
Wells Fargo used a XXXX Wells Fargo Customer on their Scandals, Fraud and Corruptions. 
I am XXXX Lifetime and Retire. I retire from XXXX XXXX XXXX, Ca on XXXX XXXX on LIfetime 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 2023-02-23
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I contacted CashApp and advised them that my child is a minor and asked them to close the account. I asked whats the procedure to close the account for minors. Explained I can provide ID for minor child, explained Im the parent and would like to know the policy on closing the account for minor. I was advised Im not able to close the account with out having access to the account, and unable to access the account to close it due to privacy concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended a private vocational school called XXXX College in XXXX and XXXX and was encouraged to have my parents cosign on private loans to pay for living expenses. I was never told that if something happened and I had to drop out of school, I would have no recourse for discharging the loans. In XXXX I had a XXXX XXXX XXXX crisis and had to leave XXXX College. Ever since, they have still held myself and my parents responsible for loans on a program that I was never able to complete due to XXXX. My parents have been paying the loan ever since as I was unable to pay myself and they did not want their credit affected negatively by the loan. I recently called Navient to try and work out a lower payment so I could take this on myself or remove my parents as cosigners and was told that I had no options. I am actually a Public Servant now and Navient told me I could not use the Public Service Loan Forgiveness program for these loans either. To date, they have offered me no flexibility in repaying the loans for a program that I was not able to complete. Please respond and let me know if there are any options I can pursue. I am considering bankruptcy and since I do not want my bankruptcy to affect my parents, I can not include these loans in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Someone has used my name and address to open an account with XXXX XXXX without my consent. The account is to be funded by a Wells Fargo bank checking account which I did not open. 
I filed a fraud alert with XXXX but failed to get in touch with Wells Fargo to close the checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: WELLS FARGO & COMPANY
State: CA
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/2022, my personal checking account at Wells Fargo Bank held a balance of {$51000.00}. I went to my office the next day, XX/XX/2022, where I received a startling call from Wells Fargo telling me that they had picked up numerous transactions in my account that they wanted to verify with me that appeared unusual. They then read a list of XXXX very similar charges to my account. I wrote down all the transactions and they were all in the range of {$20.00} to {$24.00}. I recognized none of them and Wells Fargo said they would " look into them. '' I asked them to stop the charges, because none of them were mine. 
I heard nothing further from Wells Fargo until approximately XX/XX/2022 when a very large envelope arrived in my office from XXXX, containing the largest bank statement I have ever seen. It consisted of XXXX pages and contains a list of well over 3000 separate transactions in my bank account, all for the month of XX/XX/2022. I recognize only about 50 transactions which I made in XX/XX/2022 that day or the rest of the month. I had personal XXXX for over 7 hours on XX/XX/XXXX, did not use the credit card in question and had in my personal possession at all times. I still have the card in question.. The remaining transactions are completely unknown to me and were not made by me. I did deposit an additional {$17000.00} in the account and my social security check was also deposited in my account for me. I have also since discovered that an additional {$20000.00} was deposited in this account by being taken from a Wells Fargo credit line I held and put into my account without my knowledge. At the end of XXXX, despite deposits of {$92000.00}, the account balance is {$1800.00}. This means that a total of {$90000.00} was removed from my account without my knowledge, permission or consent. I have called, spoken with and sought answers innumerable times from Wells Fargo. Wells Fargo 's sole response so far is a brief letter telling me that one charge in the amount of {$19.00} was not an error and that it will stand. What they do not mention is their additional transaction fee of XXXX for each of the over 30,000 charges shown on my bank statement and that there are approximately 3000 transactions in that amount. I have calculated that they have made over {$2000.00} in fees by allowing me to be robbed of over {$90000.00} that they have no time to explain. Please explain to me how this is allowed to happen in our Federally regulated banking system.

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 2020-04-01
Company: Global Lending Services LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Loan payment 4 days late. Lost employment due to job not being essential during the current time. Global crisis and they refuse to work out anything to get them paid. Spoke with them today in reference to loan and they have nothing to say other than it's 4 days late

Company response to consumer: Closed with explanation