BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 an 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 2022-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My capitol one credit card account was hacked, including online access. 
They made fraudulent charges and changed user information, effectively locking us out of managing the account. 
Capital One will not resolve the issue since they are claiming they can not prove that the account is mine. I have submitted all the required documents ( social security card, ID, mortgage and bank statements, household bills, etc ) but the addresses will not match since the fraudster changed all the addresses. 
They will not offer any other solutions to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: GA
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:
In XXXX my wallet was lost or stolen. In XXXX I found multiple accounts on my credit that were not mine. I resided in XXXX Texas at the time and filed a police report and a complaint with the FTC and forwarded the documents to the credit bureaus. XXXX and Experian have both refused to remove the fraudulent accounts. In early XXXX I started receiving alerts that my social security number was found on the dark web. I contacted Experian and XXXX again to notify them of this and again they failed to protect me as a consumer and by placing a fraud alert on my credit profile and removing the accounts. The XXXX POLICE DEPARTMENT POLICE REPORT NUMBER IS XXXX this report was filed in XXXX and provided to both XXXX XXXX & Experian at that time Ive attached all of the paper trail for this for review and below each account is listed that does not belong to me and is a result of identity theft. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 


Reported By XXXX XXXX XXXXXXXX Reported On XX/XX/XXXX Account Balance {$1700.00}

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 non-monetary relief
Consumer complaint received 2021-11-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This will be my last time filing a complaint with Wells Fargo on CFPB. I am under the impression of Wells Fargo 0 % liability for fraud purchases. I completed the steps needed in order to guarantee my {$870.00} back ( claim # XXXX ). I have offered to provide my own evidence and waited to be contacted about the case. No one ever contacted me, Even though, I was told a representative from Wells Fargo would contact me for more information regarding the claim. I have asked multiple times for valid proof that the charges from my claim were not fraudulent, but you all have yet to do this. I have asked multiple times, and never receive a response. I dont believe a thorough investigation was completed without the help of myself or any substantial evidence being located by the bank. I have documented every encounter and included the companys response to every single one of the encounters. If you all know for a fact that the charges werent fraudulent, then it should be absolutely no reason why you all can not provide that evidence. I have been patient, and I have tried every possible route to receive my money. 
I will looking to file a lawsuit for {$10000.00} since in Texas, that will allow me to bypass state/federal court. With all of the very recent multi-million dollar lawsuits against Wells Fargo, including fraud, scandal, overcharging of customers, and more, it only provides more backing for my lawsuit.

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 2016-08-30
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
This complaint is against Best Buy Credit Services and Citi Cards. I opened a myBestBuy Credit Card through Citi Bank. Through my bank, I submitted a full balance payment to Best Buy Credit Services which cleared on XXXX XXXX, 2016, before the payment was due. However, I began receiving calls from a debt collector and received a letter from Citi Cards with a copy of my cancelled check for the full balance, asking me to provide information such as my account number, etc. The Citi Card letter instructed me to mail my response to a Citi Cards Payment Investigations P.O. Box, which I did. Over a month later, I am still receiving calls from debt collectors. The debt collectors calling me claim they have no access to the copies of correspondence that have been sent to me or a copy of the letter that I sent to them. They constantly transfer me to different departments and I have to wait on hold for significant periods of time before speaking to another person who can not resolve my issue. I have proof from my bank that I paid the full balance on a timely basis and I do not understand how Citi Cards and Best Buy Credit Services can, in good faith, claim that this matter is not resolved and that I owe interest. I am frustrated with their bad faith practices and want them to immediately acknowledge that I made full payment on a timely basis and that I owe Best Buy Credit Services and Citi Cards no interest.

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 monetary relief
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion file . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically  countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2017-01-18
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have applied for a hardship repayment plan numerous times. The first time information was sent to my home address. I signed the documents, provided the requested information, then mailed it back in. When I called the rep he/she stated, the department probably could n't read my documentation so my claim was denied. I requested the faxed number, and resubmitted the information, so that I was sure the information went through. I received the confirmation page, but never received any communication from Navient regarding the hardship repayment plan. My loan has been in forbearance while waiting for approval or denial. I will be calling again on XX/XX/2017 to ask more questions, because the forbearance has ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
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:
Child support account showing on my credit reports is not mine. I have disputed and it was not deleted.

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 2017-05-20
Company: Strategic Alliances, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter around  XXXX   2017 asking for this debt collection company to show me proof of valadation of this medical debt and they have not sent me anything to prove that it is actually my indeed debt. I have waited pass the 30 days to give the company time to respond to the debt but nothing has been sent to me via mail showing proof that this debt with First Fina  ncial Asset Management is actually  my debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a request for loss mitigation to review for options. I want to keep my home. I send Wells Fargo Home Mortgage an complete application on XX/XX/XXXX. I called to check the status of my case on XX/XX/XXXX. I spoke with XXXX # XXXX at Well Fargo Home Mortgage. He informed that they did not open a review. He stated there is a Sale Date on my home for XX/XX/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 2022-05-14
Company: EQUIFAX, INC.
State: GA
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:
In XXXX my wallet was lost or stolen. In XXXX I found multiple accounts on my credit that were not mine. I resided in XXXX Texas at the time and filed a police report and a complaint with the FTC and forwarded the documents to the credit bureaus. Equifax and XXXX have both refused to remove the fraudulent accounts. In early XXXX I started receiving alerts that my social security number was found on the dark web. I contacted XXXX and Equifax again to notify them of this and again they failed to protect me as a consumer and by placing a fraud alert on my credit profile and removing the accounts. The XXXX POLICE DEPARTMENT POLICE REPORT NUMBER IS XXXX this report was filed in XXXX and provided to both Equifax XXXX & XXXX at that time Ive attached all of the paper trail for this for review and below each account is listed that does not belong to me and is a result of identity theft. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 


Reported By XXXX  XXXX  XXXX Reported On XX/XX/XXXX Account Balance {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I was advertised some products from a company and was told that a XXXX payment would be accepted for payment of goods. The XXXX payment was sent and no goods were received. Wells Fargo was made aware of this situation more than 3 times with no assistance to the consumer. I felt as though I was scammed for my money XXXX XXXX XX/XX/2022

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 2017-05-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent  XXXX  written request to Experian requesting the removal of the listed unverified items. They have failed to send me copies of the document s that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did not verify. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. I am requestin  g deletion of all disputed accounts which they did not verify.

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 2022-05-14
Company: TMX Finance LLC
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hello, In early XXXX I took out a loan with TitleMax while living in XXXX, XXXX and paid it off successfully. I was very happy with their services and even borrowed from them via a Visa/Debit card using my vehicle as a form of collateral. Again, I paid the debt off in full, received my title back and was very satisfied with my experience with TitleMax. That was in the state of XXXX 

Fast forward to early XXXX, while now residing in XXXX, XXXX, I once again found myself in dyer need of some extra funds. I thusly sought out TitleMax once again - to borrow against my vehicle. This time however, I WAS SCAMMED IN EVERY SENSE OF THE WORD!!! 

I phoned the nearest TitleMax store, which turned out to be located across the state line in XXXX XXXX, XXXX. When I went there with my spouse in tow, everything SEEMED to go fairly smoothly! I explained several times that I successfully borrowed from their company while living in XXXX AND that I WANTED THE SAME TYPE OF LOAN, because I needed TO BORROW AROUND THE SAME AMOUNT OF FUNDS, WITH THE SAME INTEREST RATE ETC.!!! We were assured that THIS WOULD BE POSSIBLE and that as long as my vehicle was in good condition and had no leins on it etc., etc., terms would be similar to my last loan. I think we had to make two trips back to TitleMax to complete all the paperwork and pick up the check! HOWEVER! LATER ON I WAS LEAD TO BELIEVE THAT I NEEDED TO SIGN AN ADDITIONAL FORM ONLINE! I DID THAT! WHAT I DID NOT REALIZE WAS THE TERMS WERE NOT THE SAME AS THE LOAN IN XXXX!!! EVEN THOUGH THE AGENT WHO WAS WORKING WITH ME ASSURED ME THEY WOULD BE!!! 

Long story short, TitleMax IN THE STATE OF XXXX, played me for a fool! They want me to pay over {$10000.00} in interest on an approximately {$3700.00} loan!!! 

Do I have any recourse this matter? I have already paid them almost double what the original loan amount was and more than the original sale price of the SUV! ENOUGH IS ENOUGH!!! 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
Company: U.S. BANCORP
State: CA
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:
I was sent a Visa credit card by Webster Bank, XXXX. that I had not applied for. It seemed like somebody had possibly opened the card in my name, so I called the number to have the account closed, but got a bad feeling when they immediately asked for my SSN, so I hung up with them. The card came in the same mail load as a mail-forwarding form, so it's possible it's a phishing scam made to look like a credit card scam? I've already reported to USPS that I did not in fact submit a mail forwarding request.

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 2017-01-22
Company: ARC Management Group, LLC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to XXXX XXXX XXXX in XXXX, Ohio. No tests were performed. I merely met with a doctor and was given a wrap for my leg. I was insured with XXXX XXXX XXXX and this was an in network provider. My insurance paid over {$600.00} to the Hospital. 

I have repeatedly tried to get an itemized bill from the hospital to no avail. Additionally, the hospital turned an excessive amount due over to a collection agency ( Arc Management ), even though I was only responsible for my co-pay.

Company response to consumer: Closed
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello and thank you for taking the time to review the complaint. According to XXXX  XXXX XXXX continues to tarnish credit reports. Sent letter out to request removal of negative reporting. The account is over the seven-year statute of limitations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Dear CFPB, I am the owner of a XXXX XXXX in the state of Georgia. I am in dire need of refinancing to be able to keep my business alive. Upon checking my credit report I saw that there are late payments on some credit cards on my profile. These late payments are not accurate as I have not been late. I have managed my credit for well over XXXX years and I am hurt to see that these late payments have been so detrimental to my credit score. 

I ask that you please enforce the bureaus to do a through check of the information that so that these late payments can be updated as accurate. This is a billing error and a violation of US 15 1666B. XXXX XXXX continues to report closed collections on my profile as well. These should not be there and I demand that they are removed immediately. 

I will be attaching my dispute letters and my information to identify that it is me who is requesting this.

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 2021-11-19
Company: EQUIFAX, INC.
State: KS
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, misleading information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Report : XXXX  Inquiry Date XX/XX/2020 ; XXXX  Inquiry Date XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Advanced Collections, Inc.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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