BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-17
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In brief, I received a settlement check for the damages on my car from XXXX   XXXX   XXXX on Thursday XX/XX/XXXX, as I went to mobile deposit the check, ( since I live in XXXX  and the closest Bank of Wells Fargo is a 4 hour drive ) I noticed for some strange reason the maxim amount to deposit a check was {$2500.00} a day, Since my check was over that amount, I contacted Wells Fargo, I was informed they had no idea why it was set at {$250000.00}. I was given the option to Overnight the check to express deposit and was given the address in XXXX  Or. which was confirmed by an employee from Wells Fargo, it was the correct address.. I went to the Post Office overnight my endorsed check along with a deposit slip, to deposit the check into my account. I did receive confirmation that Wells Fargo did receive my check the next day Friday XX/XX/XXXX at XXXX XXXX.since then, I have been given the run around, spoke and explained my situation to several employees of Wells Fargo, with no success, as to why they have not deposited the check into my account. I have claim numbers, and the names of several employees I have spoken too. This is very frustrating and the important fact that I need the money to purchase another car. In closing I was told that when the check is over nighted to this facility, the check would be deposited the same day and the money will be available, why this has not taken place, or where the check is at Wells Fargo. I am looking for the money to be credited to my 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 monetary relief
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Ive mailed over countless letters to All 3 major credit bureaus and alleged creditors ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) each creditors violated my consumer rights under the FCRA and I stated to transUnion that each creditors was allowed their full 30 days plus additional 15 days to respond back to mailed CERTIFIED letter I requesting verification of debt! Which all failed to do so! Under the consumer law 15 USC 1681eb that i have a right to a complete and UPDATED AND ACCURATE CREDIT REPORTING! Or all can and will be sued in state and federal court!

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 2019-01-12
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
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:
I have contacted this company One Main Financial I received a notice back. That it has to be cause of my personal information. This can be fraud I have received several emails from this place. I even locked my credit report if this is not removed I will contact attorney about this situation. I will not be taken advantage of this need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Information belongs to someone else

Complaint:
I was added onto this account as an authorized user in an effort to help with my credit score. I am not related to this individual, it was done through a company for me to make my credit score better. USAA Bank has been called by me several times for me to be taken off as an authorized user. Initially I was added on to help increase my  score. I asked to be taken off of the primary account because their balance started to go up and damage my utilization. This card account has never been registered, I have never even had a card to this account nor do i know the person personally. A business associate of mine arranged for me to be added on to help my credit. I asked them in XXXX to take me off and was told it was done and it wasn't. Every month since then it has hit my credit and they are using almost all of their card limit which hurts my score. I have sent the attached documents into USAA on more than one occasion, on XX/XX/2019 and again today on XX/XX/2019 with no resolution. USAA says they can not take me off the account and take it off my report unless the primary calls in. I am unable to reach the primary and i want off of this acccount asap. USAA has yet to help me with this. They mentioned the user blocked the card ( which it was already blocked ) but never deleted me off. I need help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06
Company: Sequoia Financial Services
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This man called me over 50 a day from Sequoia Financial Services claiming to be a XXXX XXXX lawyer, reversed phone look up reported that the company is tagged as a telemarketer company ( not even a collection agency ). 
Before I know it, this telemarketer emailed me, which I know that is completely illegal I informed him he didn't have my promission to use my email to contact me for I didn't give it to him or the company he works for ; make matters worst he threatened me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have filed numerous disputes with the XXXX credit bureaus ( XXXX, XXXX, and Experian ) notifying the company that XXXX is incorrectly reporting amounts on my report. The debt is reported as charged off and continues to report a past due amount of {$3000.00}, and shows this debt as revolving credit when it should show as {$0.00} owed since this credit is now charged off debt. I have requested a 1099c form to audit this company to ensure they are in compliance but have not received one, as if they are not in compliance, I can report them for tax fraud. This is also a violation of FCRA 15 USC 1681 eb.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Judgement filed against my home dated XX/XX/ in XXXX, ohio municipal court. XXXX XXXX XXXX, XXXX, Oh XXXX. 

Judgement was placed on XXXX XXXX XXXX, XXXX, Oh XXXX ( a property I own ) Case # XXXX {$780.00} -Debt $ XXXXClerks Costs No verification of debt was ever attempted and the address on the judgement is incorrect as I have never lived at that address or has it ever been associated to my personal credit profile. 

I am known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX to all my creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: LA
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 act XXXX XXXX XXXX Reference ID # XXXX, has violated my rights. 

XXXX XXXX XXXX Reference Number XXXX XXXX XXXX XXXX Reference Number XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.C.S 1681 Section 604 A Section 2 : Its 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 2018-11-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have WRITTEN EXPERIAN on 2 occassions asking them to remove the EXTENDED FRAUD ALERT, they told me to submit the request in writing and I did. And the FRAUD ALERT is still there. I DON'T NEED the fraud alert because I can LOCK my credit reports with the touch of a button.

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 2021-01-27
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a late fee on my card and as soon as I realized it was late I paid the balance in full and called to try to request a fee waiver. I explained to the agent that due to COVID I can not afford a {$40.00} late fee and because we suffered a loss of income recently. The agent said there was nothing they could do.

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 act XXXX XXXX XXXX Reference ID # XXXX, has violated my rights. 

XXXX XXXX XXXX Reference Number XXXX XXXX XXXX XXXX Reference Number XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.C.S 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without 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 explanation
Consumer complaint received 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I started disputing false inquiries on my credit report on XX/XX/2021. None of the bureaus responded to me advising what steps they'd be taking or deleting the information at all. Since I didn't hear from them, I sent another dispute on XX/XX/2021 and again on XX/XX/2021. I am STILL waiting on a response and the inquiries still remain on my credit! I did not apply for these items ; the creditors can NOT provide a signed application because there isn't one, there aren't even accounts open from these inquiries!

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I am a lawful consumer and my information and report was misused and I have false not 100 % accurate accounts and info on my credit report. 

I asked them to do a verification of everything on my credit report and they did and sent a generic response saying it was accurate. I did research myself and found inaccuracies on my report even after they said they did a full research. 

According to FCRA all have 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 says consumer reporting agency can not furnish an account without my instructions and consent. I was not given the opportunity for my information to not be shared and am now demanding that these items be removed including the following items : XXXX  XXXX XXXX XXXX  XXXX XXXX USDA XXXX USDA XXXX USDA 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 2023-08-25
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XX/XX/XXXX Forster and Garbus LLP sued me in state supreme court without properly informing or notifying me, and as a result I am now over three years later being threatened with wage income execution for a debt which has since been disputed and has since been removed from my credit as recently as of XX/XX/XXXX. With the firm having meaningful attorney involvement in the process and executing such orders improperly during the validation periods is a direct result of my suit and the impending wage income execution which was unlawful. 

A week ago, the local county law enforcement was paid less than XXXX dollars to serve this, to which they didn't even obtain a signature and left it in a general mailbox. The sheriffs office has refused to address the lawsuit pending against this law firm for violations such as this with the FDCPA, FCRA and other laws to protect consumers against UDAAPs. I do not have the means to sue the firm or my county to prevent this execution from happening, so I am turning to the CFPB to hopefully corroborate the Unfair, Deceptive Abusive Acts and Practices of Forster and Garbus LLP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX. XXXX, 2020 ; XXXX XXXX XXXX XXXX. XXXX, 2020 ; XXXX XXXX  XXXX XXXX XXXX. XXXX, 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CarMax, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Creditor : Carmax Auto Finance Months : XXXX, XXXX and XX/XX/2023 Current Status : 30-59 days late In accordance to the Under the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights of reporting inaccuracies of payments that has been made on time. The account has been current for 4 months now, So the current status should reflect on time. 

Under 15 U.S.C 1681A section 602 ; says I have a right to privacy Under 15 U.S.C 1681A section 604A section 2 ; consumer reporting agency can not furnish an account without my written consent.

Under 15 U.S.C 1666B ; a creditor my not treat a payment on an open consumer account as late for any purpose.

Under 15 U.S.C 1666CA Prompt and fair crediting of payments, Payments received from an obligor under an open end consumer credit plan by the creditor shall be posted promptly to the obligors ac- count as specified in regulations of the Bureau . Such regulations shall prevent a finance charge from being imposed on any obligor if the cred- itor has received the obligors payment in read- ily identifiable form, by XXXXXXXX XXXX. on the date on which such payment is due, in the amount, man- ner, and location indicated by the creditor to avoid the imposition thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is in reference to complaint # XXXX. The company 's response is incorrect ( copied attached ). I continued to make my payments because when I initially requested financial assistance for my account in XX/XX/2020, it was XXXX XXXX that I originally spoke with. XXXX stated that XXXX XXXX would be contacting me to provide me with more information and get me started. I didn't hear from XXXX until XX/XX/2020 after leaving several messages. After speaking with XXXX XXXX on XX/XX/2020, regarding the forbearance and filing the initial complaint, I received a call from a BSI Customer Service Representative named - XXXX on Monday, XX/XX/XXXX between XXXX - XXXX PST. She stated " after their investigation if they remove the forbearance reporting from the credit reports, our XX/XX/2020 mortgage will report as 30-days late, " so I responded " leave it '', she confirmed " so you want us to leave it '' and I responded " yes ''. Since then I have spoken to two different customer service representatives and requested the tape be pulled from my conversation with " XXXX '' on Monday, XX/XX/XXXX. In addition, I received an email from XXXX XXXX ( attached ) stating that our XXXX, XXXX, and XX/XX/2020 payments were all paid as agreed within the grace period and the forbearance status has been removed from the account. Nowhere in that letter does it say " your account will be reported 30-days late for XX/XX/2020 if the forbearance status is removed ''. In addition, our mortgage was paid in full ( documentation attached ) on XX/XX/2020, not XX/XX/2020, therefore, there should be no interest accrued on this loan past XX/XX/2020. As far as the call from XX/XX/2020, it was not communicated why those funds were not drafted only that it was not processed. I took responsibility for that because I was in the hospital at the time I made our XX/XX/2020 payment and during that call on XX/XX/2020, XXXX XXXX offered to waive the {$25.00} dollar fee for that reversal that was never waived. It was paid by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
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: Their investigation did not fix an error on your report

Complaint:
I am having issues with USAA Savings Bank and their reporting to the Credit Agencies. I have sent them 10 letter disputing what they have noted on my Credit Report. When I call their customer service team, they agree with me and say it will be updated. I have provide a great deal of information to no resolve. I even wrote the President & CEO, whose office says it will be corrected and they say it will be corrected and has not been done. 

The rrors are as follows, they say I was late the following times : XXXX - XXXX, 30 days late XXXX - XXXX, 60 days late XXXX - XXXX, 30 days late This account has been open since XX/XX/XXXX and never late before or since. I was told one customer service agent that this was due to a " mix-up '' with another account and it would be fixed and it never has. USAA is such a large institution, I think I have been the victim bureaucracy PLEASE help me get to the right people to remove these errors on all three of my credit reports. I appreciate it so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for a promotion with American Express to add additional authorized users to my account in XX/XX/XXXX. The promotion was to award XXXX Starwood points after meeting an additional spending requirement within three months. I added four additional authorized users and each met the minimum spending requirements. American Express only awarded the points for one of the authorized users. I contacted American Express around XX/XX/XXXX and they confirmed that I had met with requirements and would post the points within two weeks. After more than two weeks the points were still not posted. I contacted American Express again but was given the same story and that the customer service rep would not resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied for an auto loan at XXXX XXXX XXXX and was denied because Expedian is still showing a bankruptcy open from XXXX, when I completed my chapter XXXX that as filed in XXXX. 
There can not be 2 bankruptcy open at the same Time. Due to this incorrect information I was not able to be approved. 

I tried to login my account With Experian and the wrong email address of is used as my option to reset it. 
I spent 2 days 10 hours trying to get to a live person, and not able to purchase a car because of the Inaccuracies on my credit report and the inability to login.

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