BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXXXXXX XXXX allowed fraudulent transactions and charges repeatedly throughout year XXXX. All credit bureaus are reporting against XXXX police report XXXX and other evidence of the unauthorized fraudulent transactions and charges

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: CA
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 # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX and during those days and weeks I tried to pay a debt off my credit card that I owed to capital one bank. Once tried to pay it off capital one fraud department called and said that my account dont match from the account Im trying to pay with ... Finding out that the app I use called XXXX   XXXX  changed banks and had another bank control they funds and every account number and routing changed I didnt know none of these until that day ... Which was XXXX XXXX XXXX at first then switched to XXXX XXXX when a representative told me and capital one bank representative on the phone and dont have anything to do with XXXX  anymore. XXXX XXXX is third party ... So they saying I have to get proof of XXXX XXXX stating that they changed institutions and then closed account until proof ... XXXX XXXX only does email so that was the inconvenient part. Finally got proof of my old account and routing that I found when filing income taxes last year and sent it to capital one. When speaking with representative they looked over it and said everything was good and now I can pay the debt using the new bank I didnt know I had. They open the account back up ... the next day it was closed with the new pending transaction I made. I talked to supervisors and all and its in notes of all the times I called ... After the weekend Monday came and they took the money out of my account. I looked at my account and it was still closed.. Called capital one bank and they told me that they closed it because 5 reversed transactions on account which the whole time I was repeatedly talking to them the whole week ... So now they took {$890.00} from me and closed my account because of transactions ... Even though also my mother connected with the account so she also pays my fees which is another bank she used for me a month ago and they still closed my account giving me a lot of confusion when the whole time Im trying to pay a debt off and build my credit which I cant do now because they closed my account and now I have to reapply for another card which will be not the same as my old card plus pay {$200.00} more and was less than before. Because now its denying me for card I usually had because of my credit doesnt match up with it anymore.

All I want to do is get another card or reopen my account so I can continue to build on my credit card. If can not I will then take the refund that they took from me back ... I just feel like this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Illegal unauthorized fraudulent transactions and charges were allowed to all of my accounts in 2019

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 2023-01-04
Company: Medical-Commercial Audit Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is illegally trying to collect a debt that I DO NOT owe. Also illegally violated my HIPPA rights. I have written the company before to resolve this issue. I plan to take legal action if this issue is not resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: Receivables Performance Management, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent out a letter to Receivable Performance Management on XXXX XXXX, 2022, requesting that they cease and desist from communicating with me about an alleged debt, I have attached the letter that I sent. 
I have not received any response and it has been over 30 days, under the FDCPA. This debt collector has failed to comply with the provisions of this subchapter, 15 USC 1692.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: WELLS FARGO & COMPANY
State: DC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Wells Fargo Bank refuses to take responsibility for the illegal unauthorized fraudulent transactions and charges. Wells Fargo Bank representative XXXX XXXX says over the phone on a recorded line that she would review the fraudulent transactions and charges. Wells Fargo Bank XXXX XXXX after 70 days has not accepted responsibility for the unauthorized fraudulent charges and fraudulent transactions and illegal unauthorized fraudulent transactions are has not accepted responsibility or given any reason not to answer the questions and complaint despite XXXX  police report XXXX. XXXX and XXXX XXXXXXXX XXXX immediately accepted responsibility for the unauthorized fraudulent charges and fraudulent transactions and illegal unauthorized fraudulent transactions

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 2021-07-20
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$12000.00}, {$3500.00}, {$2400.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 


-- AUTO LOAN OR LEASE XXXX. XXXX XXXX CREDIT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
As a result of fraud I set a freeze on my credit. 

XXXX XXXX I decided to remove it. 

There is no way to do it online but there is a phone number listed. The number goes to a machine the simply recites the instructions for lifting the freeze by mail. It states it can be done online but provides no instructions. 

I logged into my account several times and called twice, to no avail. 

The machine refused to transfer me to a live representative stating " I can only do that under specific circumstances ''. 

According to this website this action should be able to be performed in real time without sending my personal information through the mail.

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 2020-01-15
Company: ALLY FINANCIAL INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Ally Bank offer the XXXX payment service to its customers, which allows direct transfers to 3rd parties. The " limits '' stated on their website for the XXXX service indicate there is a daily transfer limit of {$5000.00} and a {$10000.00} limit in any rolling 30 days. I requested a {$5000.00} transfer to a party on XX/XX/XXXX at about XXXX XXXX PST. I had no previous transfers in the previous 30 days, so the {$10000.00} limit was not triggered. I tried on XXXX. XXXX  to make another transfer in the amount of {$3900.00}, but got a prompt indicating I could not do so as I had reached the " daily '' limit. I contacted Ally Bank and was told that a " day '' is 24 hours from the prior exchange. On XX/XX/XXXX, I tried again to make a transfer of {$3900.00}, and again got the " daily '' limit prompt, indicating I could not make the transfer. I contacted Ally Bank again on XX/XX/XXXX and this time was told the initial {$5000.00} transfer would not clear XXXX systems until Monday, XX/XX/XXXX, and I would not be able to make a transfer until then. This means the " limit '' language on Ally 's site is false and misleading. A " day '' is apparently defined as a week. Customers are misled and falsely believe they have the ability to make a daily transfer up to {$5000.00} with the option to make another option the following day, so long as the {$5000.00} daily limit is not reached and so long as the rolling 30 day {$10000.00} limit is not reached.

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 2023-03-14
Company: Experian Information Solutions Inc.
State: AR
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX DPT XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; Chapter 13 Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX NA XXXX/XXXX/XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX Chapter 13 Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; DPT EDXXXX XXXX Balance Owed XXXX {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; Chapter 13 Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX : XXXX ; XXXX XXXXXXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
hi i filed a dispute about fraudulent account to 3 major credit bureus 2 of which investigated that matter and blocked the account as fraud.Transunion still did not remove it.

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 2020-01-15
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I contacted fed loans in regards rehabilitate my student loans. I was informed that they transferred to department of education over 6 months ago. I contacted department of educate and they advised they do not have any record of the loans being transferred and that fed loans has my student loans. I contacted fed loans again and talked to a representative who advised me the loans were stuck in the system while being transferred and they do not have a timeframe for the transfer to be complete. I am trying to solve this matter but I am not able to due to fed loan and department of education not knowing where my loans are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: Atlantic Recovery Solutions LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a text message on XXXX from XXXX a an attempt to collect a debt. But this company has no right to collect a debt that does not belong to them pursuant to XXXX5 U.S. Code 1692c ( b ) I called the number and told them to stop contacting me but they text me again XX/XX/XXXX from ( XXXX ) XXXX This message is solely intended for XXXX XXXX. This is XXXX trying to verify your location. Call our office directly at XXXX regarding your documents. While calling back reference File # XXXX. This is an attempt to collect a debt, any information obtained is only for that purpose. I told them my job doesnt allow me to be on my phone at work and they insisted I pay my bill. I asked if they were familiar with 15 U.S. Code 1692c and she said no. I said well its the law stating you can not call or collect a debt from me. 

I received another call today XX/XX/XXXX from XXXX which connected me with Atlantic Recovery solutions. It connected me to a voicemail. I called back and recorded the call the lady said that she did not call me as I am on the do not call list but I told her I had just received a call from her office but she denied and hung up on me and would not answer my questions of their office number and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a visa card w/wells fargo that I have been intently trying to pay down. I have been making automatic payments of {$140.00} every 2 weeks to them. I have 2 promotional zero percent balances with them. Presently, as of my XXXX statement it is as follows : {$2300.00} 0 % till XX/XX/20 {$8200.00} 0 % till XX/XX/20 When I make payments, Wells Fargo, unfairly credits more towards one balance then the other -- making it essentially impossible to pay off the 1st promotional balance before the expiration date. For example, I was told when they receive the first {$140.00} payment they distribute as follows : {$32.00} goes towards the {$2300.00} {$110.00} goes towards the {$8200.00} Why aren't they distributing the {$140.00} ( x2 ) evenly to each balance? I feel that puts me at a disadvantage, afterall it is the same interest rate for each balance. 

I called wells fargo, explained that my goal was to target & paydown these debts & I wanted to make a {$1000.00} payment to go solely to the {$2300.00} balance & they said that I couldn't. I spoke w/3 people & the last person said he would file a complaint & someone from Case Mgt would get back w/me. I did this just today, so I expect they will be following up w/me, but based on the fact that I had to talk to 3 different people and file a complaint, it appears this is their practice and I feel a complaint is warranted regardless, even if my issue with them directly is handled satisfactorily. 

I feel this is unfair credit/banking practices because I have been paying more than the minimum owed, I don't understand why I can't direct my payments where I want them to go ( I can do this on my mortgage for example, and make extra payments & direct them to my principal ). 

The only resolution I was provided was that I would have to wait till the 1st promotion ended and then I would have a window where I could pay that balance in full w/in the billing cycle before the higher interest rate started accruing, but that doesn't seem fair. I want to make a payment today of $ XXXX, and next month of $ XXXX, to target that balance and attempt to zero it out before XX/XX/20 and I feel I have the right to do that but wells fargo says that I can not.

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 2023-10-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Synchrony bank has attempted to close my PayPal Credit account without any advance notice per ADA requirements, stating that there were insufficient funds which is not correct at all. 

There have always been additional funds to withdraw from three type of money accounts and one is PayPal 's own savings account so there should have never been any insufficient funds charges or closing of my account because they allow for a draw against their own PayPal savings account. 

And lastly IF I had the inability to make payments for this account I had been subscribed to the PayPal protection plan since XXXX. 

I don't have to request that because I have an ADA this bank is supposed to automatically notify me of this per ADA law.

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 2023-02-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mother and my grandmother, lived in a home purchased from Wells Fargo Bank. My mother purchased the property from Wells Fargo Bank. The people who lived next door to my mother were the judge of the courts in the city my mother resided in, ( The one who did my mother 's case when Wells Fargo took my mother to Foreclosure court ), and her husband, ( A Sheriff of the same county and city ). 
They would not let my mother file for help to save the property, because the judge and her husband wanted the property for their family member, their son I believe, whom lives in the property right now, ( XX/XX/2023 ). 
They worked with the judge to put my mother out of the property so that they could purchase it for their family member, and Wells Fargo did exactly that. 
My mother deserves justice. Please all I ask is that you guys would look into this situation, please.

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 2023-04-25
Company: EQUIFAX, INC.
State: TX
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 to the Fair Credit Act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
About 1 1/2 ago I found out Afni was on my credit report when I moved into my new apartment. The afni credit collector is affiliated with XXXX. The apartment building I was moving to had XXXX built in the rent and brought this to my attention as I had to set up a new XXXX account through them although I had already been with XXXX for several years prior. I called XXXX to try to figure out this account and they informed me after doing their investigation that this was actually under a XXXX XXXX NOT XXXX XXXX and they were unsure why it was hitting my credit. Ive been with XXXX now xfinity for almost 10 years and have never been in bad standing with them so I was really confused up until I called them and they did their investigation. I spoke with afni and they were very rude and told me I had to pay it still. I was able to dispute with the credit bureaus and it was removed. However, my credit was updated today and the same Afni account is back on my credit report reporting a delinquent account that is not mine.

Company response to consumer: Closed with explanation