BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022 XXXX XX/XX/2022, 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 2021-11-02
Company: WELLS FARGO & COMPANY
State: NJ
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 received an email on XX/XX/XXXX that stated that my XXXX account had been charged {$490.00}. It said if this was not my charge to call a number, I did this. They stated that they were from XXXX and needed my information to refund me the money. I gave them my Wells Fargo username and password. They accessed my account, transferred {$10000.00} from my Wells Fargo Credit Card to my Wells Fargo checking account, and wired that full amount from my account. They then attempted to transfer another {$4700.00} from my checking and savings account. At this point Wells Fargo called me and I told them that this was not me, they stopped the second transfer. I immediately went to the local branch and closed all my accounts. The manager stated that it would take 10 days and I would be reimbursed the initial {$10000.00} transfer. On XX/XX/XXXX, I received a letter from Wells Fargo stating that they were unable to recover the initial {$10000.00} transfer and there was nothing else that they could do. They closed the claim. I called and they stated that my only recourse to recoup this amount was to file a police report with the local police department.

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 2023-02-16
Company: Experian Information Solutions 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:
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 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 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 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 EXPERIAN HAS BLATANTLY NOT INITIATED AN INVESTIGATION AND HAS NOT SENT ME ANY CORRESPONDENCE THUS VIOLATING MY CONSUMER RIGHTS

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 2021-09-02
Company: HYUNDAI CAPITAL AMERICA
State: CA
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: Other problem getting your report or credit score

Complaint:
Hi, I applied for Hyundai XXXX online on XXXX of XX/XX/2021 at XXXX. They took my information to per-qualify me. Although my credit score was excellent they rejected my application for no possible explanation and asked me to call Hyundai in XXXX. 
I called them and they told me they don't have this car in their storage for a long time and they are not going to have it in the near future. They didn't even tell me when they can bring this car. 
My question is that when they don not have this car, then why they still accept an online application?! And worse, why they run TWO hard inquiries?! 
They should have noticed me that this car is not available.

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 2021-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I mailed out a certified letter to Kohls/Cap One on XX/XX/XXXX for them to remove a late payment that is reporting on my credit and asked them to provide proof which they did not. All they did is respond with a letter that verifies the balance and when account was opened but no proof of the late payment that they must provide or have it removed from my report. Please assist in getting proof that the late payment is valid or it should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
On XX/XX/2019, XXXX debited from my account {$170.00} usd for a fraud to my XXXX card, that day an adviser from XXXX XXXX XXXX asked me for my card to pay for something I had not used. 

That same XX/XX/2019 in the afternoon, debited from my account {$1000.00} usd without authorization and impersonating my Bank of America card, this money was fraudulently taken from my account, Bank of America was informed on XX/XX/2019 by phone and I reimbursed the {$1000.00} usd to my account, informing me that they would do the respective investigation reviewing the videos and the signature of whoever used the card including the police for the report of theft. 

Three months later, on XX/XX/2019, the Bank of America debited my account of XXXX XXXXUSD and {$130.00} usd of charges, informing me that the investigation made by them had been ruled against me. 

The Bank of America has not given me the documents with which I carry out the investigation, nor does it want to inform me why they made that decision, if it was not me who used the card and if a thief did it. 

I appreciate your intervention for the bank to return my money and charges and inform me why you have tried to damage my credit and my name also by law the bank of america must give me a copy of the investigation.

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 2019-11-07
Company: Source Receivables Management LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Diversified Consultants, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This company will call my wifes phone and then my phone immediately after. We have repeatedly asked them to stop and sent them letters. They have harassed us on numerous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: U.S. BANCORP
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Unemployment service in Maine said they sent me a usbankreliacard through the mail. It has never arrived. I can't get through calling usbankreliacard on the phone. Can not access their website without the card which never arrived 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 2022-12-15
Company: CMRE Financial Services, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have filed disputes in regards to the incorrect items on my credit report. It has been over 15 days and I haven't received any results to my validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/19 I deposited a check in the amount of {$12000.00} into my Bank of America small business checking account and I was notified that there would be a hold on this deposit until XX/XX/19. I called the customer service line and was told that they didn't know why there was a hold. Then I contacted my local branch in XXXX CT and they didn't know why there was a hold and there was nothing they could do about. I never received in writing why this hold took place. 

Since XX/XX/XXXX I have deposited several large amounts and have not had a problem. Then on XX/XX/19 I deposited a check in the amount of {$10000.00} and was told there would be a hold until XX/XX/19 so I went into the local branch in XXXX, CT and the manager told me the reason it has a hold is the check was not made out exactly like the name on the account and there was nothing he could do. This was the 3rd check in a month from the same person and I had no trouble with the other 2 checks.

My problem is that the money cleared the bank where the check was written. So now I don't have the money but Bank of American does and I feel that I am being scammed by Bank of America. Once my hold is over I will be switching banks. I have had this business account with Bank of America for over 30 years. They just don't seem to care about a small business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-10-14
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Di ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2019-05-08
Company: EQUIFAX, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have received emails from Equifax claiming my dispute has been looked into and resolved. I have called and emailed multiple times to get this information and attempted to review online but their online system is down. I have called a total of 5 times and each time I am told the information I am providing is incorrect. I then emailed Equifax in regards to my frustration of their representatives and was told to call consumer affairs and they would help me. I've called and emailed the agent ID numbers to equifax with no resolution of my disputes or request of my credit report. 

In my email I also requested a copy of my credire report because I do not trust the information is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/XXXX, once I pulled my credit report from credit engine XXXX, I discovered an unknown account on my credit report. 
Going over I found out that the auto loan with XXXX XXXX   reporting on it was not mine. On XX/XX/XXXX, I filed an Identity Theft Police Report, On XX/XX/XXXX, I started my journey of disputing inaccurate information on my credit report. The time went by and I got removed the account on XXXX and XXXX. Unfortunately, I am still dealing with Equifax, they have been refuse to remove the same account that has been already removed with the other two credit bureaus. I recently, on XX/XX/XXXX filed an amendment to the previous Police Report with the specific auto loan on it. By the way, there is actually a law firm name XXXX XXXX XXXX XXXX bringing a judgment on me regarding the above mentioned account. On XX/XX/XXXX, I filed a complaint thru FTC website that I mailed on XX/XX/XXXX and delivered to Equifax on XX/XX/XXXX. 
I am now using my very last source to contact the CFPB for help, that account is affecting me very bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: AL
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 have tried on multiple occasions to reach out ; I have sent letters to the credit bureaus to have this address removed from my credit report. It still needs to be done. I am a past victim of identity theft, so incorrect information must not be on my credit report. The address that needs removal is XXXX XXXX XXXX, XXXX, AL XXXX. Please remove this address from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have sent 3 letters to verify this amount and debt. I have received no such responses. I have contacted both the creditor directly as well as TransUnion regarding the dispute. 

This balance is showing delinquent when its not. The creditor was in violation of XXXX housing laws and failed to provide safe and sanitary housing.

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 2019-05-07
Company: Sequium Asset Solutions, LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
First found sequium asset solutions on my credit report XX/XX/2019. The reference stated this was for XXXX XXXX with an address in XXXX XXXX. I have not lived in XXXX XXXX for 15 years. I called sequium and stated my name and asked why this was on my credit report. They had no record of my name or a debt and that I needed to call XXXX. Contacted XXXX and they can give me no information having given them my name. Seems like I was sent on a wild goose chase. Sent a validation letter to sequium over a month ago and have not received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have attached and FTC report I have already tried to send to the Bureaus and they aren't responding that's why I am reaching out to you guys

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 2020-11-30
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I upgraded my Discover It secured credit card that had a {$500.00} desposit on it but I never received my desposit back. I called on XX/XX/2020 and they said they will mail me a check. I called again on XX/XX/2020 and XX/XX/2020 with the same problem but they kept telling me to wait for it even though they told me initially it would take 7 business days for the check to arrive. Finally, I called again on XX/XX/2020 and they said they would send it directly to my bank account.They said it would take 5 business days and I still havent received it to this day XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: AL
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 have been reaching out so serval months ; I have sent letters to the credit bureaus to remove these XXXX addresses and the different inquiries from my credit report, but it still needs to be done. The XXXX addresses that require immediate removal from my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX # XXXX XXXX, AL XXXX XXXX The inquiries that need to be removed from my credit report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation