BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
my car loan with XXXX XXXX XXXX violation according to the FCRA 15 U.S.C. 1605 determination of finance charge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Financial Recovery Services, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received letter from Financial Recovery Services Inc. that I owe a debt to XXXX  now XXXX  XXXX XXXX that I never incurred. The first I heard of this was in a letter that I received on XXXX XXXX XXXX. Apparently this transaction occurred in XXXX of XXXX. Besides not ever using the above mentioned services, the time frame was also suspicious in that they would not have contacted me directly but waited a year and an half to send to a collection agency to try to receive payment. I assured them that this was not my debt but they said they would need a copy of a police report to resolve this issue. I contacted the police, made a report and they suggested I come here and file a report. XXXX could or would not tell me what the debt was for or when it occurred just saying i made a small payment in XXXX of XXXX and if I checked my records it would refresh my memory. Well I did just that and no payment of the amount they stated was ever made from any account or credit card I own. I then called the credit bureaus as the police suggested and none of them had any record of any activity on my credit. I do not know the validity of XXXX but all signs point to this being a shakedown.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: EQUIFAX, 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 account XXXX has violated my rights.. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT OF PRIVACY..

15 U.S.C 1681 SECTION 604 A SECTION 2 ITS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 1 ) 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 XXXXXXXX XXXX ) XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 @ XXXXXXXX XXXX I received an email alert from XXXX for a hard credit inquiry for a credit card from Bank of America that I did not approve. I also received an email from Bank of America asking to confirm my email on a newly created account that I did not approve. I have tried to call both XXXX and Bank of America with no resolution.

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 2022-09-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My wife and I bank with Wells Fargo. My wife received a call from what she believed was XXXX to fix a fraud complaint and they sent a message with a link. Unfortunately, it was not actually XXXX and the link ended up enabling the person ( s ) to send XXXX transfers from our checking account into their account. 

This occurred on XX/XX/2022 and we notified Wells Fargo immediately, prior to any fund transfers being completed. They didn't take any action to stop the transfer ( s ), which totaled {$2300.00}, the fund transfers ultimately went through, and Wells Fargo is refusing to reimburse us claiming that these transfers were " authorized '' by my wife. They seemed to base this on her handling the link she received from what she thought was 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 2022-09-25
Company: United Shore Financial Services, LLC
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I bought a 2nd home to be close to my mom and help her with XXXX treatments, I go there to get away when my sister is there. 

I have been trying since XXXX to get the PMI, mortgage insurance off, I don't get responses, now I have sent in everything and no response. I have paid 21 % of the loan, and it says mortgage insurance can get off at 20 % but they are unwilling to take it off and continue to charge me monthly. 

I now need help as I am not getting anywhere. Thank you. XXXX XXXX. call if you need more info or email me at XXXX. XXXX XXXX XXXX XXXX XXXX, CO XXXX Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I requested that a proper investigation of my accounts was not done In Accordance With the Fair Credit Reporting act. these accounts can't be open and closed at the same time. These accounts need to be deleted. I want a line by line reinvestigation on the accounts listed below. The accounts listed below have also violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, they are show inaccurate information. XXXX  acct # XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX acct # XXXX violated my federally protected 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 an account without my written instructions. I never provided written instructions to furnish these accounts. I need the following incorrect names removed from my credit report too : 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 2022-12-05
Company: SANTANDER HOLDINGS USA, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon checking with the furnisher Chrysler Capital it appears there are several inaccuracies reporting on my credit reports between the bureaus. 

The inaccuracies are as follows : The date opened shows XX/XX/XXXX. However on 2 of the bureaus it is reporting XX/XX/XXXX ( I had not even inquired at this time ) The date last active do not match up as well The date of last payment shows XX/XX/XXXX on two bureaus and XX/XX/XXXX ( Which is correct? ) XXXX of XXXX XXXX bureaus are reporting 30 days late and one is reporting ok XX/XX/XXXX bureaus are reporting ok and one is reporting 30 days late XX/XX/XXXX XXXX bureaus report 30 days late one reports ok XXXX of XXXX 2 bureaus report 60 days late one reports 30 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I requested that a proper investigation of my accounts was not done In Accordance With the Fair Credit Reporting act. these accounts can't be open and closed at the same time. These accounts need to be deleted. I want a line by line reinvestigation on the accounts listed below. The accounts listed below have also violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, they are show inaccurate information. XXXX acct # XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX acct # XXXX violated my federally protected 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 an account without my written instructions. I never provided written instructions to furnish these accounts. I need the following incorrect names removed from my credit report too : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 porting agency can not furnish a account without my written Instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I requested that a proper investigation of my accounts was not done In Accordance With the Fair Credit Reporting act. these accounts can't be open and closed at the same time. These accounts need to be deleted. I want a line by line reinvestigation on the accounts listed below. The accounts listed below have also violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, they are show inaccurate information. XXXX  acct # XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX acct # XXXX violated my federally protected 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 an account without my written instructions. I never provided written instructions to furnish these accounts. I need the following incorrect names removed from my credit report too : 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 2022-09-25
Company: JPMORGAN CHASE & CO.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit card from Chase Bank in the mail on XX/XX/20. The letter indicated this was my new bank debt card for my checking account. I dont have a chase bank account and have not recently opened an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: EQUIFAX, 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:
XXXX is reporting to the credit bureaus that I have a charged off account with a specific amount owed to them, still invalidated, and attempting to collect another amount, over {$1000.00} more through a law firm and this is deceptive and furious collection techniques. Furthermore the balance XXXX is not even showing the exact amount they earlier reported with a difference of XXXX ( XXXX cents ). This needs to stop now! Trying to collect different amounts and this harassment along with is illegal! I will seek an attorney if this XXXX is not removed from my credit files by Tuesday morning XXXX. My rights have been violated and my credit score has been affected and this continues to invoke emotional stress which is affecting my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: EAST WEST BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/XXXX i transfered to XXXX XXXX {$11000.00} And XXXX refunded XXXX XXXX equal to XXXX USD on XXXX XXXX, base on the intime exchange rate XXXX but XXXX XXXX only show XX/XX/XXXX XXXX  XXXX XXXX XXXX IN XXXX {$9900.00} there is XXXX shortage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
12 CFR 1026.21 Treatment of credit balances ( a ) Credit the amount of the credit balance to the consumer 's account ; ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer; and ( c ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than 6 months, except that no further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 


AMERICAN EXPRESS is liable and held accountable under CFPB regulations under 12 CFR 1026.21 to return to me as demanded in writing a full return of Credit Balance and limit payable by cashier 's check to address given and failure to do so will result in WILLFUL ILL-WILL and Federal Violation against I the original creditor and protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: EQUIFAX, INC.
State: OH
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 # USBK COURT XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2022-07-04
Company: Experian Information Solutions Inc.
State: NV
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:
SSN XXXX XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX Email : XXXX, XXXX Date Of Birth XX/XX/1985 Phone Number XXXX XXXX XXXX ADRESSES XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Nevada XXXX ( Current ) XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX Nevada XXXX ( previous ) XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX ( previous ) Subject : Dispute XXXX XXXX XXXX XXXX my credit report, Amount XXXX based on the following errors against state law. ( EVIDENCE ATTACHED ) Count 1.Notification Error ; XXXX XXXX XXXX sent the written notifications of repossession and auction to the wrong/unrelated address aganist the state Law.I WAS NOT NOTIFIED WHEN MY STORED VEHICLE REPOSSESSED AND AUCTIONED Applicable Law Per NRS 482.516 '' Any provision in any security agreement for the sale or lease of a vehicle to the contrary notwithstanding, at least 10 days 's written notice of intent to sell or again lease a repossessed vehicle must be given to all persons liable on the security agreement. The notice must be given in person or sent by mail directed to the address of the persons shown on the security agreement unless such persons have notified the holder in writing of a different address ''. 
Count XXXX, XXXX XXXX XXXX never gave notice of intended disposition of the vehicle as required by NRS 104.9614, NRS 482.516 ( 1 ) and ( 2 ), and is, therefore, precluded from the recovery of any deficiency by NRS 482.516 ( 3 ), providing in pertinent part that plaintiff is liable for any deficiency after the sale of the repossessed vehicle only if the notice prescribed by this section is given within 60 days of repossession. It is XXXX XXXX ' fault for not giving/sending the disposition of the vehicle as required by the law. 
I politely request to investigate my claim based on my attached evidence and delete from my report.

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 2022-07-29
Company: EQUIFAX, 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 Credit Reporting act XXXX 's 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.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: NY
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:
The wait is over. It's been couple of months that credit bureaus have not responded to all the letters Ive been mailing them since day one. I was expecting for them to get back with me with the reinvestigation process that I have requested but I never received any single reply from them. 

I am disputing these inaccurate accounts below and Im hoping that they would promptly delete these invalid accounts from my files. 

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 2022-12-05
Company: BANK OF THE WEST
State: IA
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:
I tried to make a purchase and my card was declined. I look at my banking app, Bank of the West is my bank, and I see they charged me 5 times a fee of {$35.00} and all it states is FEE. I call their customer service line as my local branch was closed at the time. I talked to three or four different people and each one of them refused to tell me what the fees were for and insisted that I would have to go in to the branch in the morning. Irritated I finally agreed. The next morning I go into the branch and speak with the banker she tells me that I had five overdraft fees. The day the fees were charged for my end balance was {$35.00}. She tells me that my XXXX that was sent to me that day did not post until the next morning and that's why I got those fees. First of all if I couldn't use that money till the next day why did they give it to me? Second of all XXXX is instant so if it didn't post that don't make sense. Third of all why did my end balance say {$35.00}? This sounds like their mistake not mine. The banker told me she can take off one fee. Oh so I only get charged {$140.00} for their mistake rather than XXXX? I don't think I deserve to be charged when they gave me the money the day of and had they have waited till it " '' posted then I never would've got charged. This makes it their mistake I want my money back this is theft on their part. They are closing my acct and i want my money that they stole from 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 2023-12-07
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong 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 non-monetary relief
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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