BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
My XXXX XXXX reports shows that there is a balance on a closed BOA account of {$1500.00}. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX The balance is {$1500.00} as of XX/XX/XXXX It was opened with a NY Driver 's license. I have a PA license

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 2023-07-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : U S DEPT OF EDXXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX , Account Name : XXXX XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX Account # US DE-, Account Name : XXXX Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : US DOE/XXXX  Account # XXXX, 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 an 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 2021-11-12
Company: EQUIFAX, INC.
State: WV
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/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My wife and I were under a forbearance agreement with XXXX XXXX. We gave them one payment at that time of what we could afford, XXXX  started the billing process on us and stated that we were late now. They reported us late for the next 6 months till we had to work out payments and a loan modification. Since then, we have paid on time every month. We have complained about the negative reporting before, and their response is as always. Per the fair debt collection act, we have the right to report what we want. I have advised them that since they agreed at the time to follow the cares act, they are governed by the rules and not allowed to report something negative like that. the past two times they have stated they would check into it and have someone get back to us. Recently we applied for an equity loan and was turned down because of our payment history from the mortgage company. With a forbearance in place and after the modification we signed with them they have continued to show and report negative remarks from our past history and from our late fees and account issues from the forbearance time. they see in their system that we signed the forbearance agreement however they didn't follow the rules on their side. I have done the research and found that they have done this to several other clients also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: CITIBANK, N.A.
State: CA
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:
Citi AAdvantage Mastercard XX/XX/2023 Company cancelled my credit card without warning claiming " inactivity ''. Closure resulted in placement of an expiration date on my airline points. Only with an active XXXX  credit card can I make purchases to remove the expiration date which is only a few months off. I believe that I should have been notified of a pending closure so that I could take measures to avoid it. This also reflects on my credit 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 2019-12-06
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I tried to Access my 401K Account that is managed by Wells Fargo Retirement Services. I was accessing the account to make contribution changes to my 401K plan. I found that my account has become unacessable and is not displayed at all anymore on my account. I am unable to make contribution limit changes. 

On XX/XX/XXXX I called Wells Fargo retirement services and spoke with a representative at length regarding this issue. The representative stated that the issue would be resolved in 24 to 48 hours. 

On XX/XX/XXXX I again tried to access my account and make contribution changes. Again the account is made unaccessable for changes to my contribution limit. I then called the Account Services again and explained the issue and that it had not been resolved. 

Now I am being told they aren't able to see the account or make changes on my behalf and can not provide a solution. 

Currently my income is being affected by this gross negligence and my rights by law are being violated.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2021-11-12
Company: ALLY FINANCIAL INC.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XXXX of XXXX, I contacted Ally Financial so I can voluntarily surrender my vehicle and my wife 's vehicle because I was on XXXX XXXX orders and I was also the only one working. In addition, I explained that we have XXXX kids, but that my wife and I took into our home an additional XXXX children from family members because they were basically homeless and were not attending school. The surrender of the vehicles immediately added more than {$1100.00} per month ( from car payments, insurance, fuel, and maintenance ) back into the budget and helped ease the burden of the increase in family. My wife used to work from home as a customer service rep, but was let go by the company because customers started complaining about all the noise in the background ( this was before COVID-19, so kids bickering in the background was not as acceptable as it is today ). 

My complaint is that Ally Financial took the two cars back, and just like most auto finance companies, most likely sold them at auction, used one of their " sister '' agencies to buy the car back ( for pennies on the dollar ) to put it back on the market for reselling, and wrote off the remaining balance when they did their taxes. And for the last three years, Ally has been reporting to the credit bureaus an outstanding balance that WE ALL KNOW was satisfied back in XXXX when they wrote it off in their taxes. 

So, my question is this : 1. Is the SCRA really protecting Servicemembers when credit companies can easily bypass the SCRA and go after Servicemembers to collect a debt they have already got compensated for, either directly ( through a tax write-off ) or indirectly by using a third-party " sister '' agency to buy back repossessed property for pennies on the dollar, selling it for more profit, and then trying to DOUBLE DIP by reporting to the credit bureaus an arbitrary balance that no longer exists, in an attempt to intimidate Servicemembers to pay for a balance that was written-off and the property resold for a bigger profit?

2. How many Servicemembers ( and consumers ) are being screwed this way?

3. Are there any lawyers out there that would be interested in starting an inquiry to see how many credit companies are practicing these tactics, and whether there are grounds for a class-action lawsuit?

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 2021-11-12
Company: EQUIFAX, INC.
State: IN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice about Wells Fargo Owing it's clients due to class action suite.. 
My case is I paid my insurance not through my mortgage but on my own. Multiple times I was charged for not having insurance even though I sent it in proof multiple times. Also the insurance they provide was 175 % higher in cost then mine along with back dated bills, one up to a year. I ended up with a new loan but all the Wells Fargo costs were added into the new mortgage so I figured Wells got away with it. It is defiantly a racket. I found out when they escrowed 5 mortgage payments ( no notice ) saying I had no home owners insurance. One year I provided proof several different times for the same time period, I was harassed to pay late fees on the escrowed payments. This happened 4 times costing me countless hours on the phone etc. I would resolve this with them and 4 months later they would try it again. After 4 times, the 5th I told them to go pound sand. They were messing and threatening my credit which was excellent at that time. In my humble opinion these were not random mistakes but a " program '' schemed up by some corporate knuckle head. Every contact with Wells was extremely similar in the way they tried " handling '' me. This scam was from XXXX. Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 explanation
Consumer complaint received 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Reporting information that is misleading and unverifiable. If you are going to " verify information come with proof and follow guidelines of the law. Under 15 USC 1681i ( 7 ) Method of verification I as the consumer is supposed to receive the steps they took to verify my disputes and they failed to do that.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

The month that is in violation is XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX To Whom It May Concern, The reason for my dispute is XXXX XXXX  {$1600.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX, XXXX # XXXXPLEASE DELETE THESE ACCOUNT THEY ARE NOT MINE. I am unable to locate documentation that they have complied with the any of the federal and state laws requirement, which is a violation of the FCRA & FDCPA. Also, as Stated before 604,605 FCRA Laws I fail to see where THE FOLLOWING INQUIRES WERE not AUTHORIZE Please delete the following : XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, I have filed a complaint the the following addresses are not mine please delete the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2021-11-13
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello. I rarely use international transfers, I used XXXX and Western Union without any problems. On XX/XX/21 I made a {$3600.00} transaction in XXXX to my son from my bank XXXX XXXX XXXX XXXX XXXX via Western Union. In XXXX, because of the covid protocol, there were restrictions in the work of the Western Union, then they did not have a sufficient amount (! ), then they said that there were some problems with the transaction. I called Western Union to confirm the transaction onXX/XX/XXXX, but they just transferred the money back to me. Okay, I went to Western Union located at XXXX store in XXXX TX. There I was told that they did not have the entire amount (! ) And I had to go to the other store. I tried to convince them that I do not need money and I want to send the entire amount to XXXX again. I said that they shouldn't give me the money, they would just forward the transaction. But they refused and said that it looks like a scam!!! A few days later, about two weeks ago, in Western Union located in XXXX XXXX TX, I asked to resend money to my son again. The employee tried several times but without result. Then she returned the entire amount of {$3600.00} + sending fee to me and tried to do the whole process from the beginning. She didn't succeed ... She advised to try again in a few days. But I got the idea! I have an account in XXXX, but the custom service told me they do not make international transactions and advised XXXX. Oh XXXX! A huge company! They can help me! I opened an account, confirmed my identification and the identification of my bank. My son in XXXX did the same. XX/XX/21 I tried to make a transaction : {$3600.00}, {$1800.00}, {$360.00}, {$180.00} but only {$18.00} succeeded. I thought because I'm a new client, my account has restrictions or a limit. But XXXX custom service reported that my account is transparent/clear and does not have any restrictions or limitation. But they see that my transactions do not go through the XXXX XXXX XXXX. What is the reason for this they do not know and advise me to try it in 48 hours and my son should make a payment request. We did it. My son made a request and I waited 62 hours. As you already understood, I could not make a transaction today... This is money for my son for a wedding and this is the my first gift for this. This is a transaction from a legal person to a legal person, from a legal bank to a legal bank, from legal money received from legal work! My son and I do not have any criminal or financial problems and I hope this is some kind of mistake and can be easily fixed! Sorry for the long post, but I tried to make a complete picture. Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$8900.00} XXXX # XXXX XXXX XXXX XXXX   XXXX  Opened XX/XX/XXXX Balanced $ XXXX # XXXX XXXX XXXX XXXX XXXX Account Opened XX/XX/XXXX Balanced {$280.00} # XXXX XXXX  XXXX Account Opned XX/XX/XXXX Balanced {$220.00} # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I've been a customer with Wells Fargo for over 30 years. They claim I deposited fraudulent checks into my account. The checks deposited still show in my account, along with {$500.00} of my money deposited before the disputed checks. So now my account is frozen and locked and Wells Fargo says they will re-evaluate my account on XX/XX/XXXX and then send a check for any funds they decide I deserve. This is not acceptable to me. I at least want my {$500.00} now and we can dispute the other deposited checks later. When I went into the bank to complain they said I would not be allowed to open another Wells Fargo account. And there is no person to talk too!!! Everything seems to be controlled by a computer. 
I guess a 30 year customer means nothing to Wells Fargo. Is this Elder Abuse???

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 2021-09-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian reports as negative information ( showing late payment ) the date of the filing of my bankruptcy. 

The creditor is XXXX XXXX XXXX XXXX XXXX ( XXXX ) with three accounts, auto loan, and personal loans. 

I disputed the late payments of all the accounts of XXXX. They corrected or not disputed my statement of never being late. 

Experian shows both, payments current in the month of XX/XX/XXXX ( the month of my bankruptcy filing ) and in red as negative. 

On XX/XX/XXXX at XXXX XXXX  I spoke to an Experian employee ( she refused to give me her name ) and said angrily that it would be corrected by the end of XXXX. It has not happened as of today. 

The Student loans information reporting is being mishandled by the previous holder, XXXX, the present holder, XXXX XXXX XXXX ( both under the umbrella of the US Department of Education, and Experian. What they show, is incorrect.

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