BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2022 XXXX PM Equifax issued a national announcement stating that Equifax issued wrong credit scores for millions of consumers. Due to this I am not disputing but demanding that Equifax remove any and all erroneous accounts on my consumer report for the failure of consent and privacy per 15 U.S. Code Subchapter II - FRAUDULENT ACCESS TO FINANCIAL INFORMATION. Additionally, Equifax failed to exercise their grave responsibilities, they were unfair, impartial, and did not respect my right to privacy per 15 U.S. Code 1681a - Definitions ; rules of construction & 15 U.S. Code 1681b - Permissible purposes of consumer reports Lastly, never instructed them to furnish this report or to create this report and never consented to this report in the first place per 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I Disputed several unauthorized transactions on XX/XX/XXXX and XX/XX/XXXX with Wells Fargo for unauthorized transactions on my account. 

They credited me originally in the amount XXXX for XXXX and XXXX while they completed an investigation. And then ruled against me 2 days later on XX/XX/XXXX with XXXX explanation. 

I still have in excess of XXXX dollars in disputes still pending ( I could be wrong on the exact amount, they give me a different answer every time I speak to them and all the disputes arent listed properly on my account. ) I fear it will be the same process for the pending disputes and I will be ruled against again. 

In total over XXXX transactions were fraudulent on my account. They ruled against me for XXXX total so far when these were legitimate fraudulent transactions. 

Ive reached out multiple times for answers and details and was met with attitude, contempt and complete disregard for my situation as this has been very stressful for me financially. 

My last contact was on XX/XX/XXXX and Ive decided to file a report with CFPB as it seems they will not come to amicable resolution overall.

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 2021-04-29
Company: DISCOVER BANK
State: MI
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:
Discover closed my credit card account which I had maintained in good standing for more than 30 years due to inactivity. The cfpb should stand on the side of consumers in this matter, since the entire world was effectively shutdown due to the COVID 19 pandemic in 2020. It is unconscionable that big business can use a computer default to close accounts and concurrently negatively impact credit scores. I am XXXX years old and like the majority of Americans, I followed CDC, federal and state guidelines to shelter in place for 2020. That Discover Card apparently continued their practice of closing accounts during the pandemic makes them the worst of business players. If nothing else Discover Card is the poster boy of bad business behavior during this most difficult time in world and American history. Over the years I most often used DC to shop at XXXX but in recent years XXXX is mostly closed, so my use of the credit card was limited to paying off accumulated debt and balance transfers. In my defense, Over the years I have paid off more than {$20000.00} in debt lo Discover Card and certainly they received interest on my debt. I rate them poor in business practice and consumer confidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I was alerted by Square that an account had been opened in my name. I thought it was spam at the time as it was an email alert. Then a few weeks later a Square Business Account debit card showed up at my home address with my nickname addressed on it. Right away this became suspicious as my accounts are all under my legal name, not my nickname. I contacted Square and they closed the account right away for fraud, but let me know the account was opened with both my birth date, social security number and my home address. The only thing that did not match was the account was linked to a phone number that was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX My loan was sold to LoanCare Mortgage as it has been sold multiple times since I purchased the property in XX/XX/XXXX with 20 % down under a conventional loan. The property was purchased for {$200000.00} and now has a balance of {$120000.00} with Loan Care. I have not had PMI since the property value is {$340000.00} and the loan to value is under percentage of 20 %. Loancare immediately started to charge and has continually charged me a Private Mortgage Insurance even though I have written 4 letters and 4 phone calls advising them to refund and stop charging Private Loan Mortgage. In XXXX I created a message within the portal to advise them to stop the PMI and either credit my mortgage or refund me the difference. Today I received a letter from that inquiry stating that they will continue to charge private mortgage insurance because I did not make a request, I have missed a 30 day payment and a 60 day payment in the last 12 months. I have included my payment history on the property for the last 24 months with no missed payments and also included the last 6 years even though it was through other loan providers. The last 2 times I called loan care I was hung up on and transferred back into the auto que without notification. Loancare has consistently violated the Frank DDod act by illegally charging XXXX XXXX XXXX and making a false statement. Please investigate.

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 2021-10-07
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I called Westlake Financial, requested information such as auto loan interest rate, copy of the note, ( credit agreement ), and payoff. The agent stated they would mail the information to me. The call occurred 3 weeks ago, and I still have not received the information. I tried to access the account information online however their system will not let me create an account. 

The monthly bill sent to me is deceptive as it does not list my interest rate for the loan, or loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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: Account information incorrect

Complaint:
someone has obtained my personal information and has been trying to obtain credits because of this I have several excessive inquiries reporting to all 3 bureaus of credit reporting agencies these inquires are putting me in a. hardship I have sent letters to all 3 bureaus to inform and update my report

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 2019-09-17
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Friday, XX/XX/XXXX I deposited a check I received as a paycheck for a job offered to me through my college email. I accepted the position due to needing money and the ease of it's workload ( A secret shopper position where I'd be sent money, purchase products, and submit reviews ). 

XXXX XXXX XXXX XXXX then proceeded to freeze my accounts, tell me I was complicit in fraud possibly, and after a week of no contact, they forcefully closed all my accounts, forbid me from opening new accounts ever, and mailed me my remaining money that I need today through USPS. 

This is insane. I didn't commit fraud. Is this going on my credit report? I demand my accounts be reopened so I can close them MYSELF. This bank is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On Monday, XX/XX/2018 I went into XXXX  XXXX in XXXX XXXX to purchase a XXXX XXXX. Before going to the dealer I had already gotten approved for a car loan with XXXX XXXX XXXX for 60 months at 2.64 % for $ XXXX. After finalizing the price on the car and trade-in with XXXX XXXX and XXXX XXXX I was provided a credit application from the dealership through Toyota. I declined as I informed them from the beginning that I had already obtained financing through XXXX. They came back a few minutes later with the application claiming that I had to fill-it out as they legally needed to collect that information, but assured me my credit wouldn't be run ( I was still financing through XXXX ). This morning ( XXXX XXXX ) I received an alert from a credit monitoring service that two hard inquiries had been processed with XXXX XXXX and XXXX XXXX XXXX  through XXXX. I called XXXX  XXXX spoke to XXXX   who put me in touch with XXXX ( one of the finance guys ), I told XXXX how I upset I was, he told me XXXX had entered the inquiries, I told him to have XXXX XXXX call me. In the meantime I emailed the GM, XXXX XXXX outlining what took place and I've received no response as of yet. XXXX XXXX then called me back shortly thereafter and told me he was doing me a favor trying to get me a better rate. I informed him that he wasn't doing me a favor and that he had no right to run my credit. He told me that it didn't hurt my credit, which is factually inaccurate based upon my conversation with XXXX at XXXX  this morning. XXXX at the end claimed ignorance claiming he just got here and did his job. XXXX XXXX and every person I dealt with their used fraudulent inducement to get me to fill-out that application knowing all along that they were going to run my credit and try to gain the financing business. My credit has been damaged due to this fraud and they need to make restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove all fraud alerts and extended fraud alerts from all 3 of the bureaus

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 2023-01-17
Company: EQUIFAX, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : 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 explanation
Consumer complaint received 2019-06-25
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had disputed transactions from XXXX to my bank on XX/XX/2019 for charges made from XX/XX/XXXXto XX/XX/XXXX. I was told that I may not receive money back for the really old transactions but would be credited immediately for the most recent/60 days transactions. I was only credited for the older transactions. I called and they told me that they credit the older transactions first, then the newer ones in a few months. So it's a few months later and I notice they closed my dispute out and haven't credited me for any of the more recent transactions, equaling approximately {$750.00}. In which I'm sure they had declined/rejected payment to XXXX XXXX  for this. I called again and they stated I'm pretty much screwed out of that money because the initial charge was made back in XX/XX/XXXXor 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 explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
No response even though they said the report is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPT OF EDXXXX 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 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.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25
Company: Santander Consumer USA Holdings Inc.
State: NE
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:
Santander Consumer USA is reporting an inaccurate collection account on my credit report in the amount of {$19000.00}. This is not my account and I have disputed this account several times with the credit bureaus and the creditor. Santander Consumer USA agreed to a settlement agreement of over {$550.00} million dollars in relief to consumers as well as well as deficiency waivers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: In progress
Consumer complaint received 2019-08-18
Company: LendingUSA
State: FL
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: Problem with personal statement of dispute

Complaint:
I have been working with this company for months! They lied when they reported about my payments to the credit bureaus I was never late. They told me in XX/XX/XXXX that apparently payments in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX were returned which they should have informed me immediately when it happened. They waited months then decided to report me even though I had just spoken to them and sent them bank statements showing XXXX through XX/XX/XXXX were fine and on time. They said oh ok that’s good we updated that those months were ok but XXXX and XXXX I couldn’t get because my husband’s bank account had been closed and he couldn’t go that far back in statements. I was working with them to resolve the issues and yet they screwed up my credit for I don’t know what reason. I then received a letter from my husband’s bank explaining they made a mistake and that in XX/XX/XXXX they recharged my husband for those missed payments. I sent the company this letter over 3-4 times by email proving they were paid the XXXX! Every time I asked them about it no one had a clue where those XXXX went so now this money some how disappeared and no one knows where it is. I am beyond XXXX XXXX  with this company I have also reported them to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: WINNPOINTE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I got a refi from Interactive Mortgage, signed closing docs on XX/XX/2020, supposed to fully fund on XX/XX/2020. Come Thursday XX/XX/XXXX, I emailed Interactive Mortgage, and XXXX XXXX who is the loan processor said there is an issue with my middle name and title. I emailed the loan agent who put it together, her name is XXXX, she was out of town till XX/XX/XXXX. Mind you I had asked them should I pay my mortgage since I don't want to be late on my current mortgage. No one reached out to me to let me know I should make my current mortgage payment. 
Emailed again to ask what is going, then got a call from XXXX stating due to some errors " human error '' her and the lock desk got my rate incorrect it should be 2.75 versus 2.625 which I signed and locked and to be funded on XX/XX/2020. So they won't close my deal because of their mistake! I signed and locked at 2.625, instead of eating their mistake they are stalling my loan and using a bait and switch tactic. It's XX/XX/XXXX, I was suppose to hear from the owner of interactive mortgage on XX/XX/XXXX, no one has called. My loan has stalled, who can help me and provide me any advice?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: Experian Information Solutions 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:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-10-03
Company: SYNCHRONY FINANCIAL
State: CA
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:
This company has reported me to credit report agencies without the written and/or verbal consent of myself. This is a violation of : 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 in accordance with the Fair Debt Collection Practices Act.

Debt collectors are not allowed to communicate with me under the 15 USC 1692C

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