BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-06
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo Operations Complaint Management Executive Office. 
I lost my debit card along with the bank generated PIN mailer ( I tried to change the PIN but was unsuccessful ). Couple days later I logged into my account to see that there are some unauthorized ATM withdrawals made outside the country. I have contacted Wells Fargo and file a claim. After 10 days, I contacted them to know that they are denying my claim. Not happy about having my case denied, I contacted the operations complaint management executive office. They did a review on the claim and determined that the disputed activity was authorized by me or someone I had given permission to, and therefore the claim was closed. The reasons they gave was : Conflicting information regarding the security PIN. 
I have repeated told them that the only PIN that I had was the generated PIN mailer that was lost with my card. Also, I told them that I have attempted to change the PIN but was unsuccessful. They said that I changed the PIN with the automated system which is hard to believe because no bank allow client to change their PIN over the phone. Furthermore, they have not presented any evidence that the PIN used for the withdrawals is different that the generated PIN mailer, since they said that I changed it. ( I still have a photo of the generated PIN ). 
No attempts to use the card after it was closed. 
Again, not showing evidence that the card was not used after I reported lost. When I saw the unauthorized transactions, I turned the card off before even calling the bank. So logically after turning off the card and the bank blocking the it after I called, how would the bank know that the card was not used after I turned it off and they blocked it. I need a transaction history. 
Multiple successful online banking logins during the time of the disputed activity. 
Again, this is something that the bank can retrieve and provide the audit trail of the logins during the disputed activity. During the disputed activity, the only time I logged was when I turned the card off and called the bank to block the card. 
How come a bank can be so irresponsible just because they want to make money on the back of their customers. Wells Fargo is known for unethical practices and until we stop them, they will keep ripping people off.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am filing this complaint because XXXX  has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not verify those accounts, under Section 611 ( 5 ) ( A ) of the ECRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Its been over 60 days and have not sent me one document or original contract. 

XXXX, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also be advised that this is my second time contacting your company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you can't just verify my account by telling me it is verified Nor can you verify my account by telling me you contacted the creditor and the account I disputed is " Verified ''. This means that IF you can't send me proof of these accounts from YOUR COMPANY, it must come off. 

All in all, you have ignored my request to provided me with the documents that you have in your files that were used to verify the disputed accounts, which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly delete all information which can not be verified. '' This law is as clear as daylight, as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately :

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 2019-11-14
Company: BMW Financial Services NA, LLC
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
BMW Financial Services continues to report an auto loan on my credit report, despite me receiving a discharge from a bankruptcy in XXXX. I filed a bankruptcy onXX/XX/XXXXand received a discharge in XXXX, XXXX. However, they continue to report the status of the account. In XXXX, XXXX and XXXX, XXXX, they reported the account 30 days late. This is in violation of the bankruptcy discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Advance America, Cash Advance Centers, Inc.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today XX/XX/XXXX at XXXX CST I was contacted by XXXX XXXX XXXX  of XXXX KS XXXX. I had received approximately XXXX calls from a phone I did not recognize for the past 24 hours. Their persistence caused me to answer to the last call. Upon answering and the original representative repeatedly stating it was for. Personal business matter and not an attempt to collect a debt I was skeptical. The representative had my name and birthdate and didnt identify a company until I demanded the name of his employer. This was disconcerting as again he kept saying regarding a personal business matter and never an attempt to collect a debt. I disconnected that call then looked up the company obtained the XXXX number and called them. Another representative then advised this is an attempt to collect a debt. I was shocked as I use XXXX XXXX to monitor my credit and about cleaning my credit up in XXXX. I hadnt opened any new accounts or went delinquent on any account. This representative then advised that I owed approximately {$230.00} or so for a payday loan owed to Advance America. I was shocked at the last communications I had this company was in XXXX. Since Ive receive a copy of my credit report at least once per year from all three bureaus and have never seen an entry from this company. I informed the representative that if this debt was indeed valid at XXXX point in time it isnt actionable at this point as it is beyond the 6 year statute of limitations for collection debt in Tennessee pursuant to Tennessee T. C.A. 28-3-109. I reside in Tennessee and only dealt with Advance America inside of Tennessee. The representative then advised me that she could still collect this zombie debt and could use the the credit bureaus as a recourse.

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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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 XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX $ {$1600.00} XXXXXXXX XXXX XXXXXXXX XXXX {$240.00} XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX {$3800.00} Account number XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX {$500.00} Account number XXXXXXXX XXXX {$460.00}. 
Account number XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX {$7700.00} Account number 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 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 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 2020-11-05
Company: CBC Companies, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to report that somebody has used my identity to open accounts in my name withoutmy consent, this report is produce to dispute these fraudulent accounts, that has damagemy credit record, Please note these incident for future references.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Self Financial 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:
Paid off loan early and reporting late payments for XXXX and XXXX Self just closed the account in XX/XX/XXXX when final payment was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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  and Transunion are reporting incorrectly a collection in the amount of {$2200.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I did not apply for this account nor did a authorize the account to be opened. This is a fraudulent account and needs to be removed from my credit report. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2020-12-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated periods of several hours where receiving multiple calls from similar or the exact same number. Most recent occurrence was the same number calling me 4 times in a period of 2 hours.

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: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The account below is not my account. Please remove off credit profile XXXX Last reported XX/XX/XXXX {$1500.00} Opened XXXX XXXX, XXXX ( 1 yrs, 6 mos ) XXXX Last reported XX/XX/XXXX {$0.00} Reported balance This account does not belong to me. I do not know who it belongs too. The balance on the account is XXXX. Please remove off credit profile. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have received a letter with copies of documents I requested from XXXX XXXX XXXX XXXX there are a few of the XXXX  I dispute with only copies of the computer generated XXXX and no other information which includes the schools or the amounts. They have included a typed amount for various schools and years but this does not compliment the XXXX with E-Signatures. There is one XXXX  from XXXX that has my signature and I take responsibility for that, the others from the following dates that are legible and some not legible : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The accuracy of these dates are in question, I also raise questions as to the language of the XXXX  with the following and my questions there after : Promise to Pay 15. I promise to pay to the order of the lender all loan amounts disbursed under the terms of this XXXX, plus interest and other charges and fees that may become due as provided in this XXXX. I understand that multiple loans may be made to me under this XXXX. I understand that by accepting any disbursements issued at any time under this XXXX, I agree to repay the loans I understand that, within certain time frames, I may cancel or reduce the amount of any loan by refusing to accept or by returning all or a portion of any disbursement that is issued. 

My questions are as follows ; ( 1 ) The lender in question or lenders were and are not the Federal Government, the lenders were XXXX and other Banks on the XXXX so how could I owe the Federal Government? ( 2 ) How can multiple loans be made under one XXXX but I have at least four XXXX sent to me so the loan amounts can not be accurate if multiple loans can be made and requested by who? ( 3 ) How could I have had the opportunity to cancel a loan that I never received any currency in the form of cash, credit or check directly to me? Finally, ( 4 ) If the Federal Government used local and national Banks such as XXXX and other Corporate Banks to disperse funds for Student Loans then these Banking Systems must be bound by UCC? Which is a Federal Commercial Code to govern these transactions according to UCC 9 these loans were not payable to the bearer but the bearer which is me would be obligated to pay an inflated or fictitious amount.

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 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 ) has violated my rights.

15 USC 1681 Section 602 A. States I have the rights to privacy. 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 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 2020-12-15
Company: Experian Information Solutions Inc.
State: NY
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. My identity has been compromised and used to open up fraudulent accounts.

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 2019-08-09
Company: Eagle Recovery Associates, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/19 around XXXX a collector for Eagle Recovery attempted to call my wife at work. She then called the number back and the company continued to talk to her about a medical debt in my name which I had not given them authorization to talk to her about. She told him that I would not have given them her work number, as I do not know it, and that she was not allowed to receive outside calls at work. He continued to talk to her about my medical debt, some of which was even incurred prior to our marriage. Within a week, I went and made a small payment at their physical location and advised we would make payments as our budget allowed. The collector that had previously called her spoke with me the following day advising that I had not made a large enough payment. I again told them that we would make payments as our budget allows. 

On XX/XX/19 at XXXX XXXX the collector called my wife 's cell phone and left a message to return his call. She returned the call. He did nothing to verify her identity. She told him I hadn't given him authorization to talk to her ( my wife ) and he said he didn't need that. He then said he'd called and left several messages for me, which I recall receiving one message that was left when I was not available to answer the phone. She told him that she is XXXX and has an XXXX  disorder and she couldn't talk to him for medical reasons. He continued to try and keep her on the phone. She again told him he did not have authorization to talk to her about my medical debt. The collector also told her she had agreed to make payments on a specific schedule, which neither of us have agreed to, it was only discussed. She reminded him that the last time I spoke to him about the debt I had advised we would make payments as we are able to. When she continued to try and end the call due to her increasing XXXX and having been advised by her doctor to avoid added XXXX  during her XXXX, he continued to try and speak to her, again without my permission. She ended up disconnecting the call as he stated he would notate their discussion and that we still owe the debt. I am not disputing the debt, I am well aware I owe this money for medical services provided.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-06
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: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I had a savings account with Capital One Bank that had a balance of {$6.00} on XX/XX/2023. Apparently, Capital One deemed the account dormant on that date. Capital One sent a notification of the dormant status on or after that date. Subsequent to that date, Capital One also sent me the attached bank statement showing that the {$6.00} balance had been debited from my account. Both the notification and the bank statement were mailed to my current address. When I called Capital One to find out how I could close the account and retrieve the {$6.00} balance, I was told that the {$6.00} balance had been turned over to a state unclaimed property department. I was told to check XXXX. I did so, but my name was not associated with any unclaimed property for either state in which I have ever lived : Wisconsin and Florida. I repeat : THE UNCLAIMED PROPERTY DEPARTMENTS OF THE 2 STATES IN WHICH I HAVE EVER LIVED -- WISCONSIN AND FLORIDA -- DO NOT LIST ME ON THEIR LISTS OF UNCLAIMED PROPERTY. So, Capital One has simply stolen my {$6.00} and refuses to return it. They obviously had my current address, because they used it to send me a notification that my bank account had become dormant and to send me the bank statement showing that my account had been closed and the {$6.00} balance had been taken all within the same month : XXXXXXXX XXXX. I seek your help in getting a refund of the {$6.00} that Capital One stole from my account.

Company response to consumer: Closed with explanation