BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was staying at the XXXX XXXX in XXXX XXXX XXXX XXXX on XXXX XXXX. On the evening of the XXXX, my business associates and I were in the lobby bar at around XXXX following a dinner. I started to feel hazy and confused so I headed toward my room, the last thing I remember was a dark haired female accompanying me. This was odd considering I had only had a few drinks that evening, the police think I was XXXX. The next thing I remember was waking up in my own XXXX at around XXXXXXXX XXXX. My phone, laptop, and wallet were missing from my room. I immediately called the police and provided a statement. I then called all credit card companies and Wells Fargo to put a freeze on my accounts. The crooks had already hacked my phone, change my XXXX XXXX, stole my SSN, charged every card in my wallet, sent a XXXX for {$1000.00}, and generated two wire transfers for {$1200.00} and {$5000.00}. The total stolen in that short period of time was {$11000.00}. I spent the rest of the day at the bank ensuring that fraud claims were filed, at XXXX replacing my phone and XXXX XXXX. Then I changing to 2-step authentication for every password I had. 

Since the theft, I have filed an identity theft affidavit with the police and receive assurance that I will be reimbursed for all fraudulent activity accept for the two wire transfers ( {$1200.00} and {$5000.00} ) from Wells Fargo. They are claiming that wires are different and since my user id and password were not compromised prior to the theft, that I am responsible for this. 

I don't understand, my phone was stolen and hacked. Funds were stolen, and they are claiming this my responsibility. They paid the {$1000.00} XXXX back under the same circumstances.

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 2019-03-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have made several attempts to obtain my free annual credit report from Equifax, XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: AL
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:
The XXXX ACCOUNT THAT IS ON MY CREDIT REPORTING DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF THE ACCOUNT. I HAVE PROVIDED PROOF THAT XXXX DELETED THAT ACCOUNT OFF MY CREDIT REPORT AND EQUIFAX NEEDS TO DO THE SAME BECAUSE THAT IS A VIOLATION. SEND PROOF THAT THIS DEBT BELONGS TO ME. EQUIFAX DID NOT RESOLVE MY ISSUE. THIS DEBT CANT POSSIBILLY BE MINE IF IT HAS BEEN DELETED OFF MY XXXX CREDIT REPORT. THIS ACCOUNT NEEDS TO VE REMOVED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Nationwide Recovery Systems, Ltd
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am lodging a formal complaint against nationwide recovery this debt collector has violated the fdcpa/fcra. This debt collector is reporting a {$240.00} medical debt that isnt mine. 
on my credit reports I never recieved a dunning notice in the mail which gives me 30 days to dispute. This account just came on my reports out of nowhere. I have lived at the same home for years. Not 1 letter or call from them. I am requesting nationwide to delete this account from my credit reports immediately. XXXX, and attorney general complaints will be filed next if account isnt deleted. Thanks for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting 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 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 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 2023-03-09
Company: AMERICAN EXPRESS COMPANY
State: MI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This happened to me in XXXX : https : XXXX? XXXX XXXX XXXX XXXX  : XXXX I arrived in XXXX for business. My hotel was in the XXXX district. I went out to a normal looking bar that was on the street by myself. I went in to soak up the atmosphere of XXXX and I was wide awake. This is around XXXX. 

I paid for two drinks ( by credit card ). Went to the bathroom. A couple of girls said hello to me. This was not a hostess bar. My drink must have been spiked when I went to the bathroom. I then don't remember the next 5 hours or getting home. I have flash backs of being in a room by myself. My American Express personal and corporate credit cards were charged a total of $ XXXX. I was then sick for the next XXXX days. I reported the matter to the police but the XXXX did not show me leaving and other rooms in the venue, did not have XXXX. The understood what had happened to me but could do little about it. I reported the matter to American Express. They were very helpful and empathic but nothing happened. Eventually ( 30 days later ), American Express Corporate issued a refund for the corporate charges but American Express Personal because I had charged my card for two drinks, claimed that they had my express permission. American Express acknowledged the fees went to a construction company in XXXX and that I had no history to suggest I would spend $ XXXX in alcohol by myself ( or with anyone ). American Express own security protocols were not enacted, which should have happened a transaction for {$2500.00} was made. Furthermore American Express are willingly and knowingly supporting and funding organised crime, terrorism and attempted murder ( by being drugged ). They have open another investigation, but this is just American Express buying time. American Express needs to refund this monies, based on precedent alone that American Express XXXX acknowledge that this is fraud. I am XXXX XXXX XXXX, XXXX XXXX, as a single income family with a XXXX XXXX, that could have lost his life because of American Express policies. My wife has been sick with stress do to this event, resulting in multiple trips to the Dr . I will have to empty savings for my son education to pay for this and my credit score has been ruined from an excellent score of over XXXX to less than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2022-02-26
Company: Exeter Finance Corp.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In XXXX of XXXX I filed bankruptcy, I was told I had to include it in my XXXX XXXX Fast forward XX/XX/XXXX I attempted to make a payment and the representative stated that the car was up for repossession and I had to pay {$1000.00}, Im confused because I only missed XXXX payment on the XXXX and XXXX payment would be do the XXXX. I made a payment of XXXX XXXX XXXX, XXXX XXXX another payment of {$380.00}. XXXX XXXX the same amount. I even asked for a copy of my payment histories. Unfortunately I contacted covid in XXXX the bill was paid, and XXXX right around this time I made this payment. Unbeknownst to me I was taken out of work due to long term XXXX effects that left me bedridden for almost XXXX months. I was out of work and because I worked retail I was only given a reduction of my hours barely enough to provide food for myself. I explained this to the first representative who was very XXXX and XXXX and was like XXXX XXXX the balance needs to be paid or were taking the car. My only source of protection for myself. I had to borrow money that I dont have, Im thinking Im only a month behind and can catch up with XXXX payment in XXXX. I started a new position on the XXXX but my check will be held until the next pay period. I called and this representative said the balance was {$1300.00}, I had to take borrow from almost everyone and I paid a total of {$810.00}. Which leaves me a balance of {$520.00}. Which means a payment is missing along with {$140.00} seems odd because ot shouldnt be like this. I dont get any confirmations from them, I have no idea whats owed or even if a payment is getting processed. Can you help please? Are companies really doing this? Im not XXXX about being XXXX I have documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Northern Trust Company, The
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 I found that there were 2 checks written on my account with out of sequence numbers, clearly forged signatures, not my handwriting and written and cashed by the same individual. The checks were for {$10000.00} and {$6200.00}. I immediately reported this to Northern Trust and my wife and I sent in drivers license copies, affidavits affirming the counterfeit checks and all other information requested within a couple of weeks. I have numerous email correspondence with them and was told that it would take 90 days before any money would be returned and that it was all dependent upon the bank that accepted the counterfeit checks before Northern Trust would refund my money.

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 2022-02-26
Company: Bread Financial Holdings, Inc.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank for XXXX account is closed due to the company original company changing, so they closed it which was the grantor choice, but I was always making payments and this time missed a payment, finance charges/ interest fees/late fee charges for acct that's closed that I been paying on since 2020. Never rcvd letter it was even closing the acct. They have excessively repeatively contacted me and if you look at the history payments were on time, nothing reported as a non-payment on my credit report. This month they didn't tell me that they would report it to credit bureau and they did and that made me lose XXXX points. The payment was still made this month and it is not even XXXX for them to report a late payment or no payment for XXXX. I would like to file a complaint for them blocking their number to call me, calling me from 2-3 different numbers, and even after speaking to them that I was going to make the payment they still called me numerous times during the day, during the weekday everyday, and in on weekends. Even at night time, it was after XXXX or around XXXX a few times. According to FDCPA laws, you only can call me 7 times in a 7 day time period even if I answered or not. They are in violation. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
We have FFELP Spousal Joint Consolidation loans. Since the Joint Consolidation Loan Separation Act was passed last XXXX we have been waiting for the DOE to implement a process for us to separate these loans and consolidate them into Direct Loans so that we may qualify for IDR and PSLF. My servicer, Navient, has been allowing us to put the loans into an administrative forbearance in 2 month increments since then. Recently the DOE came out with updated information saying that they won't have a process in place until late 2024 but that borrowers can have their loans put into forbearance until this process is implemented. I just called Navient because my most recent forbearance was expiring and was told that now that they know there won't be a process until late 2024 that there are no longer any options available to us to stop the payments on these. This is outrageous! We should not have to pay another dime on loans that will be forgiven once the DOE does their job and implements a process for us to separate and qualify for IDR and PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Greetings, I have been fighting this company now for the past year on removing charges on my account and they closed the account due to fraudulent activities that I reported and I also spoke with the fraud department that also called me and confirmed that I dont owed them nothing. My credit limit was for XXXX dollars now they are telling me that I owed them XXXX dollars when my balance was XXXX, I was on a autopay with them taking XXXX dollars a month and I never used the card so my limit should of stayed the same at XXXX. These companies are basically abusing military families and veterans with shady practices.

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 2024-01-08
Company: NEW YORK COMMUNITY BANCORP INC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the FAir Credit Reporting act this creditor has violated by rights under 15 USC 1681 section 602 states that I have the rigth to privacy ( 15 USC 1681 ( section 604a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a mortgage account under an open end consumer credit plan late for any purpose.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$840.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.

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 2022-12-31
Company: Experian Information Solutions Inc.
State: TN
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-12-10
Company: SANTANDER HOLDINGS USA, INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
See the following bank transaction, XX/XX/XXXX Payment to Santander Consumer Usa - {$1000.00} - {$580.00} Santander Bank of which I have no banking relationship with withdrew {$1000.00} from my bank account at XXXX account routing number XXXX account number XXXX. 

I called Santander Bank on XX/XX/XXXX, and spoke to :, Santander Bank XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No information on XXXX XXXX XXXX XXXX confirmed Santander Bank has no information on XXXX XXXX As such I have no account number or address to access at Santander I am now - {$580.00} inn my checking account and can not pay my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX has not responded to me within XXXX days with my dispute results or notification of my disputes for fraudulent inquiries that were attached on my credit report. I submitted XXXX documents along with proof of identification to XXXX and still haven't heard anything back. I, XXXX XXXX have had no other options than to contact the CFPB in hopes and help for them to reach out to XXXX to remove these fraudulent inquiries in the attached documentation off my credit report so that I am able to finally relief myself of this situation of having my identity stolen. Also, I attached documentation for XXXX, and transunion pertaining to an account with XXXX XXXX XXXX that I have been having issues with that I also have submitted XXXX reports for. Please help CFPB I really need it as these issues of inaccuracies are severely hurting me.

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 2019-11-16
Company: Experian Information Solutions 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:
I am a victim of identity-theft and have previously made reports to my local police, FTC, XXXX Experian, XXXX and XXXX on XX/XX/2019. I have placed Fraud Alerts and Credit Freezes on my reports in the past, but my credit file has continued to be breached.

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