BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: IL
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:
n accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XX/XX/2016 ( {$1600.00} ) XXXX XXXX XXXX ( {$2400.00} ) ( XXXX ) XXXX XXXX XXXX ( {$500.00} ) XXXX XXXX XXXX XXXX ( {$520.00} ) XXXX XXXX XXXX XXXX ( {$240.00} ) ( XXXX ) XXXX XXXX XXXX  ( {$17000.00} ) XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had {$24.00} in my account then out of no where I'm credited about {$180.00}. I've got over {$200.00} in my account XX/XX/XXXX, when I'm suppose to have {$24.00}. I called WellsFargo told them what happened but the said nothing was wrong. ( You see WF makes all the adjustments on the balance sheet your looking at and WF goes back days or weeks to make it look right. The only way I can prove this happened is if I took pictures with a different camera and I did of my account when this happened because now everything was adjusted back like it never happened. ) I looked at all of my transactions but it looked like all went through. I told the Representative this has happened before. You gave me {$200.00} when my balance was low so I withdrew it. When it hit XXXX that day you sent me a message my account was overdrawn and that I was going to be charged fees. I fought with you over the phone but it wasn't until the last conversation you reversed the charges. So on this occasion same thing happened my account was low in money ( setting up the trap for the Overdraft protection Charge ) you send me over {$200.00}. Except this time I leave it because I know it's a trap. By the next day you send me a notice saying my transaction for XXXX went through just now on the XXXX. ( Which is a lie because if my transaction didn't go through 5 days earlier I wouldn't have my package by the XXXX. ) Now that {$200.00} plus has disappeared and my account is back to normal. 
It's a SCAM and it's written into a program of theirs to do it to its customers so they get caught by overdraft protection if the consumer is not paying attention to their transactions and balance. 
This is the XXXX time WF has.done this to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I called in to the customer service line to as I was not able to send an ACH or wire transfer from my account. After holding for an extensive time the representative and supervisor insisted that I visit a branch. I refuse to visit a branch as I should access online to send a transfer from my account. However after several minutes of going back and forth the supervisors keeps insisting that I use XXXX. This is unacceptable as I should have access to all features online and should not be required to go into any branch to complete my transactions.

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 2023-01-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Date XXXX Chase ATM located inside XXXX XXXX, CA XXXX A cash deposit of XXXX ( XXXX XXXX XXXX dollar bills, XXXX XXXX dollar bill, XXXX XXXX dollar bill, and XXXX XXXX dollar bills ) was made into my checking account. The ATM took the cash deposit, did not fund my account and gave me a receipt stating to call a number to verify funds were deposited. I spoke with a staff member within the branch, she called and was told it will be a min XXXX  day hold to verify funds and a claim would be placed. The branch XXXX also called and ask for a provisional credit for the XXXX to my account and that was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: CrossCountry Mortgage LLC
State: FL
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 writing to you because you are reporting inquiries on my credit report that I do not recall. 


Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: SYNCHRONY FINANCIAL
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've contacted synchrony Bank numerous times before they sold this account to portfolio recovery. I also disputed through XXXX XXXX and they broke fair Debt collections act by not getting me the correct information in a timely manner. The last time I disputed was XX/XX/13 ... I just received statements on XX/XX/XXXX. They said my dispute is not valid because I didn't send them the correct information. I don't have to send them information because they're the ones that are supposed to verify the debt. I've enclosed copies of letters and stuff that show that they did not comply to the fair debt collection practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 went to check my report and noticed all these inquiries. I didn't give consent to any of these places to pull my credit. Please have them show me proof that i gave consent. 
1.XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX 2.XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6.XXXX XXXX XXXX XX/XX/XXXX 7 . XXXX XXXX   XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX  XX/XX/XXXX 10.XXXXXXXX XXXX  XX/XX/XXXX 11. XXXX XXXXXXXX XXXXXXXX XXXX   XX/XX/XXXX 12. XXXX XXXX XXXX  XX/XX/XXXX 13. XXXX XXXX   XXXX XX/XX/XXXX 14. XXXX XX/XX/XXXX 15. XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XXXX  XX/XX/XXXX 22. XXXX XXXX XXXX . XX/XX/XXXX 23. XXXX XXXX XX/XX/XXXX 24. XXXX XXXX  XX/XX/XXXX 25. XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX 26. XXXX   XXXX XXXX XX/XX/XXXX 27. XXXX XXXX XXXX XX/XX/XXXX 28. XXXX   XXXX XX/XX/XXXX 29. XXXX XXXX XXXX  XX/XX/XXXX 30XXXX XXXX XXXX   XX/XX/XXXX 31. XXXX XXXX XXXX XXXX XX/XX/XXXX 32. XXXX XXXX XXXX   XX/XX/XXXX 33. XXXX XXXX XXXX XX/XX/XXXX 34. XXXX XXXX   XXXXXXXX XXXX XX/XX/XXXX 35. XXXX XXXX XXXXXXXXXXXX XXXX XX/XX/XXXX 36. XXXX XXXX XXXX. XX/XX/XXXX 37. XXXX XXXX XXXX  XX/XX/XXXX 38.XXXX XXXX XXXX XX/XX/XXXX 39. XXXX XXXX XX/XX/XXXX 40. XXXX XXXX XX/XX/XXXX 41. XXXX XXXX XXXXXXXX XX/XX/XXXX 42. XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 43XXXX XXXXXXXX XXXX   XX/XX/XXXX 44. XXXX XX/XX/XXXX 45. XXXX XXXX XXXX   XX/XX/XXXX 46. XXXX XXXX XXXX XX/XX/XXXX 47. XXXX XXXX XX/XX/XXXX 48. XXXX XXXXXXXX XX/XX/XXXX 49. XXXX XXXX XXXX   XX/XX/XXXX 50. XXXX XXXXXXXX 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 explanation
Consumer complaint received 2021-06-14
Company: Physicians & Dentists Credit Bureau
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have been contacted for the last 3 months from XXXX XXXX and XXXX 's collection company concerning XXXX  debt. When I was first contacted, I disputed the debt and asked for proof, including any signed contracts agreeing to the service and what I would be paying. The company only sent me a journal of the bills owing, nothing else, and it looked like some of the procedures were entered twice. 

I contacted them immediately about the missing information and was told by XXXX that they don't have to send me anything else but the statement. I told her that the amount contained a lot of interest charges and that there needs to be proof, in addition to the services preformed, what interest is agreed to in case of non-payment or breach. 

After two conversations, it was clear that XXXX was not going to accommodate my request. I gave her my work address for any service for lawsuit and told her not to call my cell phone. 

Today, XX/XX/2021, I received a call on our main telephone line and the person asked to speak to someone in our " Human Resources Department ''. I asked why, and she said she was calling on a personal matter and wanted to know if XXXX XXXX worked there. There was no need to call my work or " Human Resources Department '' other than to try and embarrass or harass me. I gave XXXX my work address and she knew is was my work address. I asked her to send any and all correspondence there. 

During the call, she said that I didn't specifically tell her not to call me at work, however, she did not call and ask for me, she called and asked for my Human Resources Department, she was trying to contact my employer directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: EQUIFAX, INC.
State: TX
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:
equifax and XXXX  not reporting company caused me to have a lower score that violated my FCRA. rights 15 % of credit reports score rely on payment history length have them correct the paid off accounts that aren't reporting as even any kind of history XXXX XXXX XXXX ( 5 ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you look at the report I just applied for a mortgage that I was turned down costing me a great investment property CFPB was put in place to make sure the company did their jobs. The company still harmfully violate our rights costing consumer Billions of dollars not millions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Upstart Holdings, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Your company is furnishing an account on my credit report as a charge off which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS and you will be reported for such. I demand you to remove the following item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. Also, the credit reporting agencies are reporting inconsistent information such as the Date last active and payment history. How can each bureau report different information if all data should be the same? You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. The irs directed me to file form XXXX for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. Please note that this account is also paid in a settlement and there was an agreement for the account to be deleted. Remove the following account from my credit report within 14 days UPSTART NETWORK INCXXXX XXXX.

Company response to consumer: In progress
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a checking and savings account, I was receiving direct deposit from my employer every week. My account started to have money missing and appearing deposit under different accounts then disappearing our of the account I called and complained to Wells Fargo that I suspected fraudulent stuff going on. 
Wells Fargo investigated the account closed it then send me a letter say I owe XXXX. I looked over what the XXXX and most of it accumulated from Wells Fargo fees.

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 2019-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Consumer call credit card company to ask for copies of the receipts signed to file a police report. Consumer was told no receipts exist. This consumer states no credit card was opened and no purchases were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made several payments on my account in XXXX, XXXX and XXXX that wasnt applied to my account. I have sent bank statements per their request over the period of 5 months to get this issue resolved. I keep on getting the run around from customer service reps saying that they dont have it for me to send it over and over again. Then they stated they do have it but need a statement with my account number, which they have, the date of the transaction which they have and the rolling balance which they have. Even my bank called in to confirm that the charges were there. Now they repossessed my vechile and is holding it hostage until the issue is resolved. Now my car is up for auction. In addition I paid {$560.00} in a rental so I can get to work that I can no longer do and can not return to work until this is fixed. Please handle and return my vechile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items: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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-01-22
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I deposited my irs check in my account around XXXX in my Citibank account . The amount was about {$1200.00}. Due to my husband unemployment checks being direct deposit into my account. My account was froze. I visited the XXXX XXXX on XX/XX/XXXX to retrieve my money. When I got there the teller XXXX XXXX said she cant do anything from her end. I then spoke to the branch manager XXXX XXXX, who directed me to sit down with representative XXXX XXXX to see if I could get my money that I deposited by check into my account. We called a specialist on the phone from the fraud department named XXXX, she advised that I couldnt get the money that they were still investigating my account. Nothing was accomplished. I contacted Citibank almost everyday to get my money from the check I deposited and all I was being told was they are investigating my account. I would have to wait for a letter to be sent out and 60 days from the date on the letter I would receive a check in the mail. I received a letter dated XX/XX/XXXX. I contacted them in XX/XX/XXXX to see the status of the investigation. Then I was told the funds dont belong to me and that they would send the funds back to the Dept of Labor XXXX XXXX  Still havent received anything till this day. No check in the mail or money sent back to my husbands Dept labor account. Im not working and I really need my irs money back. I have been under a lot of stress and the situation was not handled with professionalism or care.

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 2019-09-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
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 and XXXX  not reporting company caused me to have a lower score that violated my FCRA. rights 15 % of credit reports score rely on payment history length have them correct the paid off accounts that aren't reporting as even any kind of history Toyota motor credit ( 5 ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX If you look at the report I just applied for a mortgage that I was turned down costing me a great investment property CFPB was put in place to make sure the company did their jobs. The company still harmfully violate our rights costing consumer Billions of dollars not millions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: RNN Group, Inc
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On Monday, XX/XX/2019, I received a call at work that my assistant fielded. The caller was from RNN Group, and he claimed to be doing an " employment verification ''. He was asking my assistant personal information about me such as do I work full time, what is my full legal name, etc. This was not a true employment verification such as for a loan application or a job application, he was trying to obtain information about me from my assistant under false pretenses. The number of the caller was XXXX. I googled this company - RNN Group - and  they appear to be a company that assists debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
XX/XX/XXXX My money was stolen and used to make money orders that were transferred else where. I contacted MoneyGram, the company that transferred the transferred the funds as well as the company to which the money orders were drawn on. the representative refused to help me and deleted my MoneyGram account, thus destroying the history of these transfers. the money orders were stolen to begin with I never authorized the use of my information or funds to create the money orders. the money orders were purchased from XXXX  XXXX in XXXX XXXX, LA, I was able to obtain receipt copies of the purchase. XXXX  XXXX was unwilling to provide any assistance other than the copies of the receipts. There are six money orders in totaling which add up to the amont of {$2500.00}. I filed reports with the police as well as FTC, which announced that MoneyGram will have to begin to reimburse consumers, for facilitating fraud and allowing money to be displaced. All and all the receipts are as follows all made on Terminal XXXX : {$500.00}, {$500.00}. {$490.00}, {$490.00}, {$490.00}, {$10.00}. 
On XX/XX/XXXX I sent an email to MoneyGram about this again, and filled out a Money Order Search document, and was charged {$40.00} to try to located the fraudulent items which were created from money stolen from me and were transferred to someone own to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible 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

Company response to consumer: In progress