BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: WI
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, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # 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 non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: PA
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:
Equifax, on XX/XX/XXXX, exposed my Personally Identifiable Information without my permission during a cyber attack. They did n't address the issue with any of their customers ( including me ), until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
TRANSUNION IS REPORTING A CLOSED ACCOUNT I HAVE WITH XXXX XXXX XXXX XXXX XXXX FOR A CHARGED AMOUNT OF {$15000.00} AS DELINQUENT AND OPEN. XXXX XXXX AND MYSELF HAVE COME TO AN AGREEMENT TO SHOW THIS ACCOUNT AS CLOSED AND PAID IN FULL ONCE THEY REPORTED THIS ON A XXXX REPORT AS ADDITIONAL INCOME WITH THE IRS WHICH I WAS MADE TO PAY TAXES ON. XXXX AND XXXX HAVE REACHED OUT TO XXXX XXXX DIRECTLY AND HAVE UPDATED THE INFORMATION THEY ARE REPORTING.I NEED TRANSUNION TO SHOW THIS ACCOUNT AS CLOSED AND PAID IN FULL- NOT AS DELINQUENT AND OPEN.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: WI
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, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX WISCONSIN Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX WISCONSIN Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, Bankruptcy Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

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 2022-05-26
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I did apply for a payday loan with cash net usa. The only reason I know its them is because I XXXX the phone number, and the people under it says thats who it is. Anyway my complaint is that I have XXXX sisters that this company keeps calling them and harrasing them 20-25 times a day. They threatened my sisters saying that they are coming to get me and take me to jail. Then XXXX of my sisters talked to them and they claimed they were not a debt collector but just needed to talk to me. Also they are calling a job that I havent been employed with since 2006. And my ex boss is really mad because she thinks Im trying to ignore them and Im not. Plus they are calling me by my maiden name. I have been married for nine years so this debt is really old. Please help me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Wells Fargo Bill Payment system has problem causing double payments. I called the bank and explained how their system to edit a recurring payment. Instead of sending out a edited amount, the system sends two payments. I have called the bank and they refuse to accept responsibility and return the extra payments. this has happened two months in a row wit two different edited payments. Below is the response I received from Wells Fargo 's Bill payment department. 

Here is their response " As part of our claims process, we are required to determine if there was any error on our part in the processing of this payment. Based on the information provided in your claim, our research has confirmed that this payment was processed with no error on our part ''.

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 2016-11-03
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX. I have a mortgage with wells Fargo since XXXX. My mortgage payment started at about {$1100.00} a month. Within the shortest period my mortgage increased periodically to almost {$2000.00} a month for a small XXXX. I paid this amount till XXXX till when i could n't keep up with the payment any longer. I applied for loan modification before my mortgage came down to {$1200.00}. I want to know why i was paying the kind of money and why that fast increase to my mortgage. My email is XXXXXXXXXXXX. Phone number is XXXX. Thank you.

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 2022-05-26
Company: Telsa Motors Inc
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I paid XXXX XXXX and XXXX dollars to order a tesla model 3 AWD full self driving upgrade. The sales person asked if I wanted to secure financing with Tesla or their affiliated companies, I declined and told them I would secure my own financing. A couple of months went by and the TESLA sales team informed me my vehicle was ready to be picked up. I received a text message from the TESLA sales team informing me that I have a loan amount of XXXX dollar. I immediately called the sales team to inquire about the dollar loan. I spoke to a TESLA team member and he informed me that the XXXX dollar loan came from XXXX XXXX XXXX XXXX and they put the money in an account. I was devasted and very heart broken. This public company went behind my back and applied for a loan using my information after I clearly told them I will secure my own funding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: WELLS FARGO & COMPANY
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage company cashed my XXXX part payment XX/XX/XXXX. They did not apply my payment but cashed the checks. XX/XX/XXXX, 1 month after the payment, they automatically entered me into a " foreclosure '' status and started a modification process. I bought the home is XX/XX/XXXX and have never been late. The modification took over a year. I have finalized my divorce and my exhusband has signed a quit claim deed removing his ownership in the property so I could modify per Wells Fargo instructions. I have made my XXXX trial payment and they are refusing to remove my ex-husband from the Note. They state that the only way I can remove him is to refinance. If I was in a position to refinance, then that is what I would 've done a year ago. This modification process needs to be examined. I have been sent letters from Wells Fargo attorneys stating that Wells Fargo has started foreclosure proceedings, I have been unable to make online payments as they turned off this option in XX/XX/XXXX. They mailed back my payment I made in XX/XX/XXXX and automatically started this modification, all the while, I did n't know if I would get a knock on the door with eviction from my home I share with my XXXX boys. I work in the mortgage business. I know the process like the back of my hand. Wells Fargo is a bully and I want them exposed. Bottom line, I want my home. I am capable of making payments. Wells Fargo has crippled my opportunity to refinance my home by first, refusing my payment ( mailing me a check back after cashing my checks for XX/XX/XXXX payment ) and second, by entering me into a XXXX year note, burying me with no value left for me to refinance. I have recieved no Good Faith Estimate, No truth in lending statement ... just a paper statement of what I am supposed to pay for the next 3 months and still not convinced they will " apply '' the payments and take my home. I owe {$89000.00}, the condo is valued at {$110000.00}. Wells Fargo continually sends me foreclosure notifications in the mail, however, on the phone, my " Home Preservation Specialist '' assured me I was n't in foreclosure. Its a stressful/emotianal situation. I want big banks to stop this nonsense. Please look into this as I know they are not doing things ethically.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I WAS A WELLS FARGO CUSTOMER FOR OVER 10 YEARS. I HAD MY ACCOUNTS AND MAINTAINED THEM VERY WELL AND IN GOOD STANDARDS. WELLS FARGO DECIDED TO CLOSE MY ACCOUTS DUE TO " IMPROPER PRACTICES '' THEY THEN CLOSED MY CREDIT CARD AND STATED THAT THEY NO LONGER WANTED MY BUSINESS BECASUE THERE WERE " FRAUD '' ON MY CC. I NEVER RECEIVED ANY CALL OF FRAUD ON MY CC AND I NEVER COMMITED ANY TYPE OF FRAUD. ALL MY ACCOUNTS WERE SHUT DOWN WITHOUT JUST REASONS AND ALL THEY CAN SAY WAS FRAUD AND THEY NO LONGER WANTED MY BUSINESS. THEY NEVER EXPLAINED TO ME ANYTHING OR CALLED ME. I CALLED ONCE AND NO ONE THERE COULD GIVE ME AN ANSWER AS TO WHAT WAS GOING ON AND THEY TRANSFERRED ME FROM DEPT TO DEPT AND NO ONE WAS ABLE TO HELP OR GIVE A CLEAR REASON.

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 2022-05-26
Company: Experian Information Solutions Inc.
State: WI
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, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # 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
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: NY
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 recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

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 2015-08-13
Company: Niagara Capital Recovery LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
My complaint is about Niagra Capital Recovery - collection agency recently form in NY. 
This is a debt collection Agency who refuses to give me a physical address. Instead, all they gave me was a XXXX XXXX XXXX 
Their tactics have included : falsely identifying themselves as a lawyers office or a mediation firm. Additionally, they have threatened arrest and stated that someone from the Sherriff 's office would be coming by to arrest at XXXX. 
Additionally, they have restated back personal information to identify that they know " what car you drive '', etc. 
Additionally, they have spoken with other members about the debt other than an immediate spouse. 
I have today filed a CEASE and DESIST letter with the agency. 
I have today spoken to the original debtor -TD Bank XXXX who apparently sold the debt to another company and who apparently sold the debt to NCR XXXX Niagra Capital Recovery XXXX. They state that they have begun to have complaints about this company and asked me to send them a copy of the Cease and Desist letter. 
The original debt was about {$150.00}. NCR has asked as much as over {$1000.00} or threatened arrest. 
These people need to be shut down. 
I have contacted an attorney on a cursory level who informed me to submit a cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I seen some a irregular activity on my bank account and called citizens Bank on XXXX XXXX, 2014. The representative was very condesending and rude. He said, " Ma'am! If someone were to steal my credit card information it would be for more than $ XXXX, it would be for hundreds of dollars! He brought to tears! Talked to me like I was crazy! I am a single, working mother! The activity only continued but due to my XXXX, of having to call and be demeaned again by another representative I ignored it ... Until the transactions got larger! The bank agreed to pay me back from my XXXX contact with them as per the attached, in the amount of {$310.00}. This was all due to the fact that the customer service representative, XXXX XXXX, on XXXX XXXX, 2014, said " no one would steal small amounts of money!!! '' Due to his lack of knowledge, rude, condescending behaviors and negligence they are telling me I 'm out over {$1500.00}. If he would 've did his job, when I called to alert them of the suspicious activities, he should have immediately issue a new card, In addition, I would not be going through this! Someone skimmed my card from a gas station and stole my information. I do n't know if I should contact the police as well, and am at a loss with all of this! Is there anything I can do? Are there requirements for the banks insure their employees? I have called multiple times and can not even communicate with the customer service representatives! Please HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Card Service Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 



In accordance with the Fair Credit Reporting Act, XXXX Card Services Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 




In accordance with the Fair Credit Reporting Act, XXXX Card Services Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 



In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 





In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 




In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 



In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: ERC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a new telephone number when I bought a house last spring. Obviously, the persons before I got this number owe everywhere. I received LOTS of calls for them and most companies have quit calling. However, ERC keeps calling and leaving automated messages regarding a debt. I have spoken with them NUMEROUS times to remove my number. Even being polite with them, I have been ignored and hung up on in mid-sentence. I do n't know what else to do. This is absolutely not my debt and I have no idea who the people are they are trying to reach. Again, the company is called ERC. Their number is XXXX, and the reference number they left is XXXX. My phone number that they keep calling is a landline XXXX. I work out of my home and I use this line for business, fax, etc. Please help me stop these calls because I do n't know what else to do! It has taken valuable time out of my work day every time I have to answer, call back, delete messages, call them back and so on and so on. This has been going on since XXXX 2015. Just got called again this morning. 

Thanks and have a great day. 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: SC
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 XXXX XXXX XXXX Dates : XX/XX/2020 Amounts : {$7300.00} 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 reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive a letter from American Coradius International LLC stating that I owed {$620.00} dlls as of XX/XX/21 and that they represent XXXX. I checked my XXXX account and the balance is {$0.00}. Everything paid up to date. 
The letter was sent from Texas ( empty lot ) and the letterhead has an address from XXXX, NY. 
I already called XXXX and they don't know what I'm talking about. 
I logged in to XXXX forum and there are many customers with this same situation.

Company response to consumer: Closed with explanation