BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-02
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Santander Consumer USA or Santander Bank approved me for an auto loan at a dealership. They showed up on my credit report as the loan was aporoved. XXXX week after receiving the vehicle and loan and lease documents the bank began making weird phone calls to me After the Loan was approved about a fraud alert being associated with my credit profile. I asked them if my loan was already approved why would I have to remove a fraud alert so I removed it After I was approved. They then refused to acknowledge the removed alert and gave me a fake phone number to call to notify them them the alert was removed after being notified by phone in a different department. They then played phone tag with me harassing me and refusing to give me a real number and kept leaving a fake number in the voicemail. They were doing fraudulent practices by refusing to give me due process and recognize the fraud alert removal but kept asking me to call this fake number refusing to acknowledge the removal. It was credit discrimination and they did not want to complete the transaction so they kept directing me to a number that did not work. Photos of transcribed voicemail attached. My phone types the voice message while people talk and can prove this is what they have been doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$620.00} written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$350.00} Highest balance {$620.00} Terms This should no longer be on my credit its past 7 years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: CCS Financial Services, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
With accordance of the fair credit act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2. Also states a consumer reporting agency can not furnish an account without my written instructions, under 15USC 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit path as late for any purpose.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/ at XXXX XXXX XXXX XXXX the consumer ) received a phone call from XXXX which said Wells Fargo XXXX his caller ID. The caller identified himself as a Wells Fargo XXXX XXXX XXXX by the name of XXXX XXXX. He told me that my account had been compromised in a large security breech at XXXX and that I'd lost access to my online account. He asked me about fraudulent activity on my account ; a purchase of {$1500.00} in FL, and asked if I authorized XXXX in the amount for {$10000.00}. My answer was NO, I did NOT authorize those transactions. XXXX told me I needed to regain access to my online banking. He sent me text to a link that was as follows : XXXX. Under extreme duress, I clicked on the link and a XXXX online banking page come up. I was instructed to log in. I then received text messages with codes and was told it was a part of the wire reversal process. I came to find that the fraudster was sending a XXXX of $ XXXX out of my small business account. When I realized this was fraud onXX/XX/XXXX at XXXX, I immediately called XXXX XXXX support at XXXX to report what had happened and for the next XXXX minutes was transferred from dept to dept until the call was concluded at XXXX. At the time I was being passed around, the XXXX the fraudster made was still PENDING and could have possibly been stopped. Eventually and lastly, I was transferred to XXXX XXXX Assistance XXXX regarding the fraud. On XX/XX/ I was told by a female XXXX XXXX XXXX XXXX, on a recorded line " to not worry, that the bank will make me whole again ''. Yesterday,XX/XX/XXXX, I received a letter from the claims department Claim # XXXX stating that XXXX will NOT be reimbursing me for the $ XXXX which was fraudulently taken from my account on XX/XX/2023. If WELLS FARGO would have reacted in a timely professional manner, instead of pushing me off from dept to dept for XXXX minutes, they could have stopped the fraudulent activity and recovered my $ XXXX. This is obviously negligence on behalf of Wells Fargo 's fraud department.

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 2023-11-11
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Monday XX/XX/XXXX I noticed four unauthorized debit charges to my checking account ending in XXXX. One charge was for XXXX for {$100.00}, XXXX {$100.00}, XXXX {$100.00}, and XXXX {$10.00}. My card has always been in my possession. I filed a police report that evening. 

The person I spoke to said that they would file a dispute for the three XXXX charges. She said I would have to call back the next day to file a dispute on XXXX because I have used that service before. 

I call back the next day XX/XX/XXXX. The women I spoke with said she saw an XXXX charge for {$100.00} and not {$100.00} so she was filling a dispute for that charge. 

The next day U.S. Bank charged me seven overdraft charges for {$36.00} each. That is {$250.00}. 

I turned off all overdraft protections from all accounts at U.S. Bank. 

I called U.S. bank on XX/XX/2023 with still a negative account. Nothing heard back from U.S. about these fraudulent charges. The women I spoke to left a message for them. But she did not know the status of the dispute. 

This morning XX/XX/2023 U.S. bank took {$400.00} out of another checking account I have XXXX and transferred it to XXXX. I have overdraft turned off so this should have never have occurred. 

Now U.S. Bank has drawn XXXX negative. They took away the only working checking account we have by drawing that one negative now. 

We are a family of five and have gone a week without being able to purchase basic needs. Now the access to both of our checking accounts and essentially blocked by U.S. Bank by drawing both accounts negative. We are not able to purchase gas or groceries now for a family of five for almost one full week going on who knows how long. 

I called U.S. Bank this morning XX/XX/2023 and the woman on the phone could not reverse that transfer. I have to call the fraud line and they don't open for another 2-3 hours. 

This was not handled right. U.S. Bank should have stopped all overdrafts. They should offer provisional credit for people while the fraud is being investigated. This should take almost a week to get figured out. It isn't right to block people from using their own money.

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 2020-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
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 2023-05-15
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax XX/XX/2023 they want ss number drivers license home deed pay stub utilty bill all i want is my free credit report Equifax this was sent to XXXX XXXX XXXX credit card XX/XX/2023 this card was denied base on equifax reporting now they say we have no recordof my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Experian Information Solutions Inc.
State: MI
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:
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ; ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account. These two accounts were listed without my knowledge, permission. Both accounts are closed. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$8.00}, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$8400.00}

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 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have right under 15 USC 1681.

Transunion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have right to privacy and I did not give Transunion written permission to furnish these accounts 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 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 2023-10-28
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Account was used unauthorized charges, company said they would close the account, and issue a closure check in the amoumt of XXXX Chime is now saying account is now negative, and no check was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing this request to dispute the payment history on my file that is erroneously harming my report. It shows multiple late payments which I do not remember that I have paid late. 

The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.

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 2023-07-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2022-09-27
Company: Experian Information Solutions Inc.
State: OK
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:
According to 15 U.S.C 1681 : I have the right to privacy and I did not give written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-14
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2023-07-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company XXXX XXXX XXXX reported the information has certified to Experian that the information is accurate THAT IS IMPOSSIBLE BECAUSE I REPORTED THE ACCOUNT AS IDENTITY THEFT, THE ACCOUNT WAS OPENED FRAUDULENTLY. I never lived at XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Ive been living at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX since XXXX of 2018. 

Ive attached the false updated response from XXXX XXXX XXXX to Experian & Ive attached my identity theft document to support my claim.

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 2023-05-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I called the bank to resolve my problem and because they didnt resolve anything I simply closed my bank account with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt Collector : Sequium Asset Solutions , LLC On behalf of XXXX for {$100.00} Reference XXXX I cancelled the account my XXXX XXXX and paid in full in XX/XX/2023. 

I asked for the confirmation from XXXX but they did not provide me with confirmation. They kept calling billing me and I called again in XXXX, XXXX and XXXX. Each time they said they will remove the billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, 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:
Equifax has been listing me as deceased on my credit report despite multiple phone calls and certified letters informing them that XXXX have mixed my deceased mothers accounts with mine. These accounts are not mine I have sent them proof of life including my current adress XXXX XXXX XXXX XXXX il XXXXeven my passport, social security card and my current utility bill but they have failed to remove this XXXX XXXX inaccurate account. I have attached a photo of this account from my most recent credit report XX/XX/2023, Confirmation # XXXX ) along with of the past certified letters which I will provide below sent XXXXDespite my requests and evidence to prove this is a mix file and I am not dead, Equifax has ignored me, continued to list me as dead and violated my FCRA rights. I am not dead please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2023, I sent in a dispute to block trafficking related information from my Equifax credit Report. That request was XXXX pages and included : XXXX. A XXXX XXXX of Human Trafficking. 
XXXX. The information that I needed to be blocked. 
XXXX. XXXX Victim Determination Documents. 
XXXX. A XXXX Notice. 
XXXX. My Driver License. 
XXXX. Reasonable Accommodation Request. 

The trafficking - related information remains on my file in violation of my rights and is causing me substantial harm.

Company response to consumer: In progress
Consumer complaint received 2023-07-13
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am wondering what process of investigation you are wasting that despite previous escalation of my dispute, you will advised that I had to wait for 30 days for the investigation yet there was no progress for so long already. I am writing to dispute and request the removal and update of an inaccurate late payment that continues to stain the reputation of my creditworthiness on my credit report. 
Account Information : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I would like to emphasize that this late payment is inaccurate and does not reflect my credit history accurately. I have consistently maintained a positive payment history with the mentioned creditor, and there were no late payments during the disputed period. The presence of this inaccurate late payment on my credit report has a detrimental impact on my creditworthiness and financial standing. I am committed to maintaining a favorable credit history, and this reporting error is causing unwarranted damage to my credit reputation.

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 2023-07-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX  XXXX Account # XXXX, XXXX 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 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