BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-26
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, {$7900.00} was withdrawn from my bank account to an unknown source through XXXX XXXX which I signed out of in 2018 and haven't used since. I do not trade Bitcoin or know anything about cryptocurrencies for that matter. I wouldn't begin purchasing hundreds of hard earned money to send away to some unknown Bitcoin ID. The only thing I used XXXX XXXX for was buying meals back in 2018. It is blatantly obvious that the fraud has occurred through XXXX XXXX to some nefarious Bitcoin account which I have no knowledge of since I have never dealt with Bitcoin. To suddenly see my bank account drained of all my earnings and savings is devastating. The bank believes it's a XXXX XXXX issue and XXXX XXXX is not offering me any assistance whatsoever. Please offer me assistance as to whom I should contact. There is a high sense of urgency as I need to recover my money. I really need help with this. I am at a road block with the bank and with XXXX XXXX. I realize my rights under regulation E and federal law protection. 

Thank you, XXXX 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 2021-10-26
Company: Conn's, Inc.
State: GA
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 noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} CONN APPLIANCES INC XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX  XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Experian Information Solutions Inc.
State: TN
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 disputing XXXX XXXX XXXX my credit report and it keeps coming back as verified. I have not received anything in the mail asking me to verify anything. The account is not mine. I'm only XXXX and it looks like it could've been opened when I was XXXX according to the open date. Either way the account does not belong to me. I've never had a credit card in my life. How can they just give credit to someone without verifying that it is the correct person. I need this deleted immediately, it is affecting my credit in a tremendous way. It needs to be deleted from all 3 credit bureau. Thank you.

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 2019-06-27
Company: General Motors Financial Company, Inc.
State: CT
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:
On Friday, XX/XX/2019, at or about XXXX, an agent of GM Financial proceeded to trespass on my private property. The vehicle was a XXXX XXXX XXXX with license plate number XXXX. A XXXX XXXX, mid early XXXX and with XXXX  XXXX  was seen on the property within the XXXX XXXX taking photographs and surveilling the property. 

The residence is equipped with security cameras and monitoring equipment that can place this man and vehicle on my property without permission. Photographic evidence is attached hereto for review. 

At or about XXXX on the night in question, the Connecticut State police were called regarding the incident to observe and report the facts. The police were given photographic evidence of the trespassing vehicle and a description the driver. 

Vehicle finance companies and their agents are strictly forbidden by state and federal laws from breaching the peace in the performance of debt collection efforts. 

Additionally, under Connecticut General Statute Sec. 29-152u and 29-153, any private detective, natural person or corporation, must be licensed by the state to perform this type of work, especially that which involves the location or recovery of property. 

GM Financial DBA Americredit, and agents, engaged in private detective work, as defined by Connecticut law, without a valid license from the Commissioner to do so with the intent to threaten, harass, and intimidate a person for the sole purpose of collecting a debt. Vehicles with mounted cameras and surveillance equipment on private property is breaching the peace and creates an environment threatening and intimidating to the residents of the property, especially to the XXXX ( XXXX ) XXXX   children who reside there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX entered into a consumer credit transaction back in XX/XX/XXXX with Santander Consumer. A consumer credit transaction is a transaction where a finance charge is involved. Pursuant to 15 usc 1605 the finance charge is the sum of ALL charges in any consumer credit transaction. Since the finance charge is the sum of all charges I should not be receiving any 'bills ' from Santander USA but I have been receiving bills from Santander Consumer USA since XX/XX/XXXX which is a violation of 15 usc 1692b. I now understand that pursuant 15 usc 1692a ( 3 ) I AM the Consumer. Santander Consumer USA has been fraudulently taking payments from me and I need your help in this situation. I have already sent them ALL forms and proof of the deception they have pulled on me and they are in receipt as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
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: Their investigation did not fix an error on your report

Complaint:
Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX  XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account XXXX XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX  XXXX F - Account : 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 2018-11-11
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
During the time of the missed payment, I was going through financial hardship and I could not make my payments to this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have lodged disputes with XXXX and Wells Fargo with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law.  Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, and followed up in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18
Company: EQUIFAX, 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:
The following accounts do NOT BELONG TO ME! They must be removed immediately! 

1 ) XXXX XXXX XXXX XXXX  Bal : {$6900.00} Opened XX/XX/XXXX 2 ) XXXX Bal  : {$4200.00} Opened XX/XX/XXXX 3 ) XXXX  Bal : {$3000.00} Opened XX/XX/XXXX 4 ) XXXX  Bal : {$11000.00} Opened XX/XX/XXXX 5 ) XXXX Bal : {$7500.00} Opened XX/XX/XXXX 6 ) XXXX  Bal : {$1700.00} Opened XX/XX/XXXX 7 ) XXXX XXXX  Bal : {$1000.00} Opened XX/XX/XXXX 8 ) XXXX XXXX Bal : {$6600.00} Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
1- SPS has failed to provide proof by affidavit upon my request, which adheres to the Laws of New York State XXXX Surrogate 's Court Procedures : " Every claim against the estate of a decedent other than claims for expenses of administration and claims of the United States or the state of New York must be in writing, contain statement of the facts upon which it is based and the amount thereof. In addition the fiduciary may require the claimant to present proof by affidavit that the amount of the claim is justly due, that all payments thereon, if any, have been credited, that the claimant knows of no offsets and no evidence of indebtedness and holds no security, except as specifically described in the affidavit. '' As the fiduciary of XXXX XXXX XXXX XXXX   estate, I am requiring the claimant to present proof by affidavit. 2- In CFPB response XXXX, XXXX states , " The legal description in the Mortgage and Mortgage and Consolidation Agreements matches the legal description in the title reports dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each title report references the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770 ( copies enclosed ). It is unclear as to whether the Deed dated XX/XX/XXXX, describes the property address of XXXX XXXX, XXXX, NY XXXX because a specific property address for the property is not set forth in the Deed. XXXX held a security interest in the property described within the Mortgage dated XX/XX/XXXX, and Mortgage and Consolidation Agreements dated XX/XX/XXXX, and XX/XX/XXXX ( copies enclosed ). XXXX sold the loan at issue to XXXX XXXX XXXX effective XX/XX/XXXX. '' XXXX has thus confirmed they have never held a security interest in XXXX XXXX XXXX XXXX, as this property does not lie in the meets and bounds of the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770, and is absolutely not the property contained as a security interest in said loans. However, SPS continues to force place insurance and threaten legal action with regards to XXXX XXXX XXXX XXXX ; a property in which they have no security interest in. It has been well documented SPS 's actions are both fraudulent and deceptive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX ran my credit accidentally, maybe.my kid pressed a button while browsing and it was auto filled. I never wanted a credit check and my credit was affected. I need this removed because I am working on my credit and want a decent vehicle in the future.

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 2021-02-15
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The problem that I'm having with this company is that whenever I try to make a settlement with them because I can't afford the offers that they're giving me they always act mean and mess around with me acting like they care ( sarcastically ) while I can tell that they're saying in a sarcastic way that they're trying to help me, and they also come up with a lot of nonsense stuff when I'm just trying to see if they can accept what I have or what they can do on this account. 


Last call that I made I asked if I could just speak to the manager to see if he could help me any further and they just put me on hold for a long time and then the call dropped, I don't know if it was them messing with me or the call did drop since I have no evidence but of what I'm sure is that they really had no intention of helping me like they said on their sarcastic way of speaking because what you less expect when you are the most stressed about your financial situation is dealing with people like this that really don't care about you and feel like they could treat you however they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This complaint is regarding consumer reporting agencies. 
The problem i am having is consumer reporting agencies violating the rights that congress put forth to protect me. Pursuant 15 USC 1681b ( a ) ( d ) these agencies that assumed this role has to have a written consent from the consumer to furnish any information on the consumers report. 
I mailed a letter XX/XX/2021 and as of XX/XX/2021 i have not received a response. 
XXXX Transunion, XXXX  are the agencies in question. 
I am submitting this complaint as the consumer, a natural person.

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 2018-03-15
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:
Hello, I have been checking my credit reports because I plan on purchasing a home and I have noticed that there's a XXXX California XXXX charge-off account listed on my credit report for {$380.00}. I have no knowledge of this account, nor have I ever lived at the address associated with the account. I have never, at this point in time, had a utility bill in my name. Per the FCRA laws, I have the right to dispute inaccurate information, and as I have tried to dispute this, nothing has yet been done. I would like this to be removed from my credit report immediately as it is not rightfully my account and no parties can validate it being so. 

Thank you, XXXX 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 2020-11-10
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Never heard of this company. Theyre falsely listing this account of my credit report. They say I owe them {$770.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
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 is missing that should be on the report

Complaint:
Wile we were in bankruptcy XXXX XXXX listed on our credit report as delinquent with Trans union credit. We contacted trans union and contested the report. The whole mortgage was removed because of bankruptcy protection against derogatory reports against our credit.We filed chapter XXXX and reaffirmed my mortgage with XXXX XXXX.Upon completion of our bankruptcy XXXX XXXX continues to refuse to list our mortgage on our transunion credit report. It has been more than 2 Years of multiple calls and letters to XXXX XXXX to no avail.Even complaints to the presidents complaint department didnt help The other two credit bureaus report my mortgage no problem. Only trans union who I have contacted and has said its XXXX XXXX XXXX our Mortgage data and refuses to release it. This adversely affects our transunion credit score and affects our credit and ability to get credit PLEASE HELP! We don't know what else to do

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 2019-05-16
Company: Harris & Harris, Ltd.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was a work related XXXX/XXXX  ..Our hr lady refused to put this in as s that .Im not responsible for a XXXX that came from my work.She wanted me to lie, i refused to so 5 days after XXXX she sent me a email telling me she didn't simit my paperwork..i went 4 months with no money, and now this place is trying to get something out of me im not responsible for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2020 I mailed in dispute letters to XXXX, Transunion and XXXX. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. This situation as cause me stressed and is slowing down my process of getting a home.

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 2022-01-09
Company: Experian Information Solutions Inc.
State: NJ
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 noticed an account and multiple inquiries on my report I do not recognize

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