BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: WELLS FARGO & COMPANY
State: HI
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Early this year I received a notice that was sent to my daughter 's home in California from the XXXX. XXXX XXXX XXXX that said I had to retroactively file a XXXX XXXX Tax return and pay {$1100.00} by XX/XX/XXXX for tax, penalties, interest, and fees-see attached. I sent it to my CPA along with a power of attorney and she wrote the CA XXXX to inform them them that the address in XXXX was not my residence and that I was a resident of the state of Hawaii since XXXX -- see her attached certified letters dated XX/XX/XXXX and XX/XX/XXXX. Then, in checking my online banking on XX/XX/XXXX, I noticed the following ; XX/XX/XXXX LEGAL ORDER FEE DEBIT CASE # XXXX {$120.00} {$48000.00} Expand XX/XX/XXXX LEGAL ORDER DEBIT - CONTACT FRANCHISE TAX BOARD ( XXXX ) XXXX - Case # XXXX {$1500.00} I contacted Wells Fargo to dispute this and they said it was a " legal order ''. The finally sent me what the CA XXXX sent as their " legal order '' see attached. I contacted Wells Fargo legal dep't. and even their Executive offices and sent a letter referencing Wells Fargo XXXX # XXXX -- see attached. 
In essence, they robbed me and I'm certain violated Federal Banking Laws as I have no California income and the XXXX address is that of my daughter and her husband and isn't listed anywhere on my personal bank account, I have never been to their home/that address, and for Wells Fargo to honor this ridiculous Debit Order which in no way ties me to any California address and is not listed on my account, plus my having been a legal taxpaying resident of the state of Hawaii since XXXX -- -not to mention the XXXX 's fraudulent listing of " estimated income, etc. is bank fraud

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 2021-08-06
Company: TD BANK US HOLDING COMPANY
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:
I never applied for a target credit card and I called target and I was waiting on a fraud form to fill out and I never received it and the reps are rude to me and wouldnt close my account .. now I didnt make those payments on my accounts and I dont own a bank account Im a XXXX and living with my parents and the credit bureaus failed me and didnt take any actions to remove this account off my credit report with target {$790.00} balance that is currently reporting and I will keep fighting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XX/XX/XXXX, I got a new personal credit card with a new account number from Capital One, because of a fraudulent transaction in that occurred in XX/XX/XXXX. At the same time I was cancelling my automatic monthly prepaid advertising services with XXXX, that would be paid on the XXXX of each month, but, because I got a new card with a new account number from Capital One, and because my XXXX XXXX monthly charge of {$390.00} kept on getting declined by Capital One, I figured I did n't have to do anything more. However, on XX/XX/XXXX, and then again on XX/XX/XXXX, two new {$390.00} charges were taken out from my new credit card account. I never authorized Capital One or XXXX to process any new charges on my new credit card account, and I was not told that this was possible to occur by either of them. I protested the charges, But Capital One declined my protest telling me that just because I got a different credit card number that certain vendors can still add new charges on my new account number even if they do n't know my new credit card number. This appears to be just as fraudulent as the unknown fraudulent charge that occurred on my card in XX/XX/XXXX! Please advise, and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
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:
THE DISPUTED ACCOUNT IN THE ATTACHED LETTER HAS BEEN PAID FOR IN A SETTLEMENT AND THE COMPANY HAS AGREED TO REMOVE THE ACCOUNT OFF MY CREDIT FILE. THIS ACCOUNT HAS BEEN DAMAGING MY CREDIT AND I'VE BEEN FIGHTING TO REMOVE THIS ACCOUNT OFF MY CREDIT FILE FOR QUITE SOMETIMES. PLEASE SEE THE ATTACHMENT AS PROOF OF THE SETTLEMENT AND HAVE THE ACCOUNT REMOVE BASED ON THE AGREEMENT.

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 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$7700.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix 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 2021-08-06
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:
XXXX XXXX XXXX is reporting a collection in my name that isn't mine to both XXXX XXXX, and Experian. I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.

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 2021-08-06
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:
I submitted a complaint to this company regarding a separate issue and now for some reason after i submitted the dispute against XXXX XXXX XXXX now you guys and Experian started mixing and blending my uncles name and mine. My name is XXXX XXXX XXXX my uncle is XXXX XXXX as you can see two very different names but now because of the complaint I filed they are now messing my name up with someone elses.. Why??

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 2022-10-04
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I noticed that purchases was made with my account mid last month. I immediately reported the card lost/stolen. I filed 3 claims. One for the purchases that was pending and the other for the purchases that was already posted. They gave me the money on the pending charges back once they posted. Yesterday they told me that my 2nd Claim was denied because my card was actually present when it was used. I was dumbfounded. I was like duh. He said since it was in the hands of whoever found it that means I authorized it. I couldnt believe what i was hearing. I told him I didnt authorize anything and I would like my money back. They gave me the money back on the other fraudulent charges but not the 2nd one. Im guessing because the 2nd claim was larger. I never use my card credit. All purchases was done by credit. I always use a pin/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 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX is reporting a collection in my name that isn't mine to both TransUnion, XXXX and XXXX. I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.

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 2021-08-06
Company: Experian Information Solutions Inc.
State: GA
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:
( Attaching documentation and proof of the > 30 day response time/lack of furnishing to me an updated credit report, as required by the FCRA ) Was examining my XXXX  credit report and notice a number of collection agent accounts that are unenforceable/not legal debts ( pursuant to the reasons I listed in my correspondence with XXXX. ) The results of my efforts : -No investigation was waged -No updated credit report/fact finding were mailed to me -The trade lines were not removed/still on my credit report This situation violated both the FCRA and FDCPA , on multiple points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Consumer Financial Protection Bureau TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX XXXX, Pennsylvania XXXX Telephone Number : XXXX Re : XXXX XXXX XXXX XXXX  TransUnion CRA Online Paid XXXX XXXX Account  has the Incorrect Current Residential Address I, XXXX XXXX XXXX ( Complainant ) had ran my online TransUnion LLC ( TransUnion ) Credit Reporting Agency ( CRA ) paid XXXX XXXX report dated on XX/XX/XXXX, for which, displays incorrectly my current residential address as : XXXX XXXX XXXX XXXX XXXX ND XXXX ( See Exhibit A ) instead of : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ND XXXX. 

However, I had noticed onto the XXXX XXXX XXXX XXXX doing business as, XXXX website that offers TransUnion CRA weekly online credit report through their direct hyperlink to which, I am able to connects to my weekly online TransUnion CRA, credit report by ways of TransUnion CRA intranet that displays my correct residential address as : XXXX XXXX XXXX, XXXX XXXX XXXX ND XXXX. 
( See Exhibit B ). 

Therefore, I had attached a copy of my redacted North Dakota Real Identification Driver License Card ( See Exhibit C ) and XXXX XXXX XXXX dated on XX/XX/XXXX ( See Exhibit D ), as TransUnion CRA legal proof or evidence ; in order for TransUnion CRA to update my paid online Credit Monitoring account because I can not dispute through with my paid online TransUnion CRAs Credit Monitoring account.

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 2018-06-22
Company: GREAT LAKES
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made a payment of {$720.00} on XX/XX/2018, 3 days after I made my required monthly payment of {$240.00}, and requested the payment specifically be allocated solely to loan XXXX to pay it off. Instead, Great Lakes allocated the payment across XXXX, XXXX, and XXXX. This is the second time that Great Lakes has ignored my allocation request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax is violating the FCRA lawsas HiPAA laws by listing XXXX account # XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2018 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took a title loan with a company called XXXX. I finished paying off the loan last month in full. As of today XXXX has not returned my car Title and continues to ignore my phone calls and emails regarding my title. The company refuses to return my title and remove themselves as lienholders. This is clearly a violation and fraud on what they are doing and the company needs to be investigated. They are still reporting to all 3 credit business Bureau that the account is still open and a debt is still owed which is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
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:
I was told by the credit bureaus to send in the proper paperwork to get the accounts removed. I sent the paperwork 6 months ago and still no update

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: Westlake Services, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. Westlake Services Inc will be civilly liable under Title 15 U.S. Code 1692k if Westlake Services Inc failed to abide by my cease & desist order. Me XXXX XXXX, A Natural Person & Consumer has had my rights violated by XXXX XXXX XXXX. 

My Demands : Audit trail credit application Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Respectfully XXXX XXXX, Consumer/ 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 2020-12-18
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Dear Team, This is XXXX XXXX. 
1. I have an online account with Western Union ( International Money Transfer ) from US checking accounts. 
2. I have been member of this account since XXXX and it is inactive since XXXX. 
I never used it since XXXX. 
3. But on XX/XX/XXXX morning at XXXX XXXX CST, I have received an email that a transaction has been completed using my account and money was picked up at WU location by the recipient. 
4. Similar to this 4 transactions happened within 20-30 minutes of time and these are all fraud transactions and the recipient collected the amount at WU location instantly. 
5. I have called up Western Union Customer Care and they directed to Western Union Fraud department and they suggested me to close my Western Union account and respective payment method ( XXXX XXXX account ) not to get debited with these transactions and get trapped. 
6. I have called my respective XXXX XXXX account and closed my account to avoid the amount deduction. 
7. Western Union Fraud department had raised a case and case number is XXXX 8. They requested me to contact local law enforcement and update the details and refer to this case number ( XXXX ). 
9. Hence I humbly request you to check and help in investigating this issue and resolving it.

10. I am victim of this fraud and getting trouble with it.

Company response to consumer: Closed with explanation