BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: MS
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:
When I received copy of my credit report and noticing all the inaccurate and outdated information being reported, on XX/XX/2022 I sent letters to Equifax, XXXX and XXXX about these inaccurate information and asked them to investigate and remove all these erroneous information from my credit report affecting my credibility. But unfortunately, till this day as of more than 45 days I have not received any correspondence from them in regards to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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:
My information was exposed in several data breaches and I need help removing a lot of fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: BARCLAYS BANK DELAWARE
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I am the victim of at least {$39000.00} in unauthorized credit card charges allowed by Barclays against my XXXX XXXX bank account since XXXX - see attached list detailing unauthorized credit card charges. The list was provided by XXXX XXXX. 

XXXX XXXX says that these {$39000.00} in charges were electronic payments authorized '' by Barclays against my account ; yet XXXX XXXX can not tell me who at Barclays authorized these charges, and to whom payments were made. This is rather alarming, given the fact that I never used my Barclays credit card, or authorized anyone else to use it. 

I had a certified letter sent on my behalf to Barclays on XX/XX/XXXX ( copy attached ), asking them to explain how {$39000.00} in Barclays credit card charges - every one from a different credit card number ( some 59 in all ) - could be found to be authorized? And if so, to whom said payments were made? Interesting enough, Barclays also confirmed that no one else has a Barclays credit card with my name on it ; yet they can not explain how the charges were made against my account. All they will say is that the charges were " authorized '' (? ). 

On XX/XX/XXXX, I received a letter from Barclays ( copy attached ) noting that if I feel that fraud was involved, that I write to their fraud team at Barclays Bank Delaware, XXXX XXXX XXXX, XXXX, DE XXXX- which is surprisingly where my first letter was sent. This seems to be extremely non-responsive.

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 2022-04-24
Company: Experian Information Solutions Inc.
State: DE
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 accordance with the fair credit reporting act XXXX  account numbers XXXX, XXXX, XXXX, XXXX has violated my rights.

15 U.S.C. Section 602 A. states I have the right to privacy.

15 U.S.C.1681 Section 604 A Section 21.It also states a consumer reporting agency can not furnish an account without my writen 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
Consumer complaint received 2022-06-26
Company: EQUIFAX, INC.
State: IL
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:
there is inacurrate information on my credit report. This company has not resolved the issue and is not in compliance with fcra laws

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, XXXX Account Number : XXXX has violated my rights. 


XXXX Account Number : XXXX has violated my rights. 

XXXX XXXXXXXX XXXX  Account XXXX : XXXX has violated my rights. 


XXXX XXXXXXXX XXXX Account XXXX : XXXX has violated my rights. 

XXXX XXXX XXXX Account XXXX : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. 

XXXX XXXX Account XXXX : 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 2022-09-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
To whom it may concern, On XX/XX/XXXX, I went to Toyota of XXXX to get a diagnostic done on my vehicle. A sales manager brought up the idea of me selling my car to them and I was given a verbal offer of {$9000.00}. I let him know that I would shop around and make a decision. I returned to the dealership on XX/XX/XXXX and completed the appraisal to sell my car. At this time I was given a new amount of {$8000.00} to which I agreed to. I gave the dealership the vehicle, my keys, signed over my original title and received a receipt for the {$8000.00} appraisal. I was told to return on XX/XX/XXXX to retrieve the check for my vehicle. I filed a HSMV XXXX and surrendered my plates to the DMV. 

I was called on XX/XX/XXXX, and advised that the price had now changed to {$7000.00}. At this point, I frustrated as I felt that I was being taken advantage of. I returned to the dealership and a sales supervisor by the name of XXXX advised me that the sales manager was trying to get over on me and he does this to women often. I assumed this process was complete but, nearly a month later I have not received my check for my vehicle. I would like for this to be resolved and my check issued immediately. This is not a mom and pop dealership. This is a corporate location and this entire ordeal is unprofessional and tasteless. I should be treated as any other customer and this is unacceptable and needs to be handled with urgency. 

I have called the dealership numerous times to speak with the XXXX  & customer relations manager and they are never available. 

I will be sending an email to the CEO & board of directors about this poor experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: U.S. BANCORP
State: AR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My husband XXXX XXXX XXXX XXXX daughter works for U.S.Bank & now she works for XXXX XXXX a computer company. She took out a student loan in his name we received a copy in XXXX he is disable from birth with XXXX XXXX he Can Not read & can only write very little. In XX/XX/XXXX we hired XXXX XXXX XXXX XXXX they showed us where & how she's been able to pull off this Identity Theft on her Dad, they went back to XXXX she got credit at XXXX XXXX & all the U.S.Bank positive accounts were done by her. She's a notary too, XXXX caught her signing his assets over to herself. We have contacted U.S.Bank over & over for years. They foreclosed on us for a mortgage we didn't do auction date XX/XX/XXXX then again XX/XX/XXXX, XXXX again on XX/XX/XXXX & now number XXXX XX/XX/XXXX. We stopped all six with documents they didn't think we had without a XXXX. We filed an Identity Theft Report with the FTC. In XX/XX/XXXX a lifelong friend found online three checking accounts in my husband s name we knew nothing about, they went to U.S.Bank closed that one they didn't give them any paperwork they went to XXXX XXXX & closed a joint checking account thy asked them how could she open a joint checking account without him being there they said that they didn't know they gave them no statements either, my husband & I closed the last one thge next day at XXXXXXXX XXXX XXXX XXXX XXXXXXXX they gave us some of the statements. On the cancelled checks the one in the middle is where she printed his name as XXXX then she sign his name he wasn't there & didn't give her consent & her & her ex husband bankrupt in XXXX with our property. On the fraudulent document stating he had sold XXXX  XXXX acres the seal is over the writing on the first page & we have 2 witnesses that was there when she sign his name it wasn't in XXXX as she stated it was done in XXXX. U.S.Bank in XXXXXXXX XXXX sold XXXX acres on XX/XX/XXXX the first auction date was XXXX you ALL ... 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 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, everything has to be 100 % accurate on my credit report. 

I submitted a Complaint ( XXXX ), for Improper use of your report, account came back as verified by TRANSUNION. 
Account : XXXX XXXX XXXX Account # XXXX. 

The Credit bureaus stated my account had been properly investigated but how is this possible if the " date opened '', " date reported '', and " date of last activity '' is inaccurate. This ground for removal and they also violate my rights under 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 an account without my written instruction.

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 2022-06-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have tried to get information about repayment plans for many years as I was tried of having this interest baring debt hanging over my head. I have spoken to countless representatives who when evaluated me for repayment plans didn't work out one that I could afford. although I thought they were basic on income. Each time I was given the alternative information and push towards utilizing a forbearance or a deferment which have just accumulated an enormous amount of debt that I will never afford to pay off in this life time. I have sent in income verification and follow all of the guidelines only to be given payments that I could not afford. 

I now owe 6 times the money I originally borrowed. I borrowed the money form XXXX XXXX who sold the loans to Navient. I feel like I was forced to take a forbearance and/or deferment because the interest would continue to accumulated and put more money on the books for the company. However, they have made it almost impossible for me to pay these loans off. Navient has not made if feasible for me to pay these loans off. They never worked with me to get me a payment that I could afford, thereby making it impossible for me to make payment toward the principal on the loans. Now I owe more in interest than I do in principal. The have failed to offer me affordable solution for repayment for over 20 years. 

I am in a desperate situation with no workable solutions at this point. The impact of having these loans on my credit report continues to triple me and have a great impact on my ability to secure credit. I have asked them to verify my debt from my original grantor and they continuously refer me to the information listed on my account in which I can't understand and it doesn't disclose the original amounts of my loans. If they had offered affordable repayment options, I would not be in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: Experian Information Solutions Inc.
State: IA
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:
There is wrong information on my credit report. I have tried to resolve this with this agency and they are not resolving the matter therefore not in compliance with FCRA laws.

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 2022-09-20
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I sent out a method of verification to Transunion in regard to a public record bankruptcy on my file. They said it was verified and listed the XXXX XXXX XXXX XXXX XXXX as verifying. I reached out to the Court and they provided documentation that they did not verify anything and I demand removal due to the fact they lied and violated my rights by providing false information therefore are in violation of the Fair Credit Reporting Act. I have everything in writing. On XX/XX/2021 I submitted those documents from the court plus my identifying information of myself to Transunion and they still did not remove. Transunion is in violation and should be penalized. Then they came back saying the court verified it when the court sent me a letter saying they did not. Transunion is committing 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 non-monetary relief
Consumer complaint received 2022-04-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I entered into an investment contract with XXXX ( the Scammer ) to transfer XXXX USD. Entering the online trading sphere comes with many hopes but due to XXXX XXXX activities and dealings, I lost my money within a very short period of time. 
I advised Wells Fargo of this fact on XX/XX/2021 and I havent received any satisfactory response so far. I am a victim of Fraud as I was under a lot of pressure and coerced through very sophisticated methods specifically created by these criminals. I reiterate that there was no trading account and no trading actually took place. This was all a scam and the recipient simply pocketed the money. My true issue with the bank is their limited understanding of the kind of recall I was consistently requesting to raise. Whilst I am not denying the demand for the reason code, I have deliberately emphasised to the bank that my case falls under a different reason code. Despite providing the bank with the required explanations of my case, Wells Fargo preferred to stick with the authorisation issue which has never been raised by me which already shows the banks lack of understanding of how to treat my case. Wells Fargo could have protected me from this ; unlike me, the bank knows about the existence of such scams and how you prey on vulnerable victims like myself, taking advantage of lack of knowledge, awareness, and circumstance.

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 2022-06-26
Company: Experian Information Solutions Inc.
State: GA
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 Account XXXX XXXX Account number 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 non-monetary relief
Consumer complaint received 2022-09-20
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am the U.S. executor for the Estate of XXXX XXXX and there are two British co-executors. The executors received the appointment letter from XXXX County ProbatXXXX in XX/XX/2022. Since that time, I have closed XXXX XXXX numerous bank and brokerage accounts and deposited the funds into the estate account at XXXX XXXX XXXX XXXX. However, Truist Bank will not talk to me to close her accounts held there. I have gone to two separate branches, including one on XXXX XXXX XXXX XXXX ( I am XXXX XXXX ) but to no avail. It was suggested I get an attorney to write an opinion letter that indicates the executors can act independently ; this statement is in black and white in the will but Truist has indicated it will not read the will. I have sent the death certificate, the executor letter and the will along with a letter requesting exactly what procedures Truist Bank requires for me to close the accounts to their legal department ; I have not had any response from them in over a month. I understand Truist took over SunTrust and BB & T but there has to be a way for the estate to close the accounts of a deceased client. Truist is earning money on XXXX XXXX accounts and should be instructed to return any interest earned to the estate. I request the Consumer Financial Protection Agency force Truist Bank to turn over XXXX XXXX bank and investment accounts so we can finalize the estate. XXXX XXXX XXXX, XXXX, Executor for the Estate of 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 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 tried applying for a car and the dealership mentioned only applying for XXXX XXXX XXXX. 

These companies listed were not authorized to be applied to : 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 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 2022-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
capital one bank put a hold on my checking account due to a check that was deposited into my account, they are stating that the check has returned, they deducted the amount from my account, I continued using my account as normal weeks had past then one day I go to check my online banking and i see the a message saying my funds are on hold due to the status of my account, I call customer service speak to a representative and she tells me that my account is under investigation due to a returned check, Before this incident I had a positive balance of {$5600.00} in witch now they are holding from me! I have been in contact with them daily and they just keep giving me the run around, I would really appreciate some help on saving my account

Company response to consumer: Closed with explanation