BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car was recently repossessed on XXXX XXXX due to missed payments. My original lender, USAuto Sales, has permanently shut down and handed all of their information to a new lender, Westlake Portfolio. Ever since the sudden switch roughly 2 months ago, I havent been able to make a payment due to them not being able to access any of my information such as my SSN or my vehicles VIN. I was sent in cycle of me calling and being told to call back in a week. Just recently on XXXX XXXX we finally reached an answer, the reason they couldnt pull up my account when I provided MY information such as my SSN and VIN Number, was simply because they have someone elses SSN attached to my vehicle! Instead of acknowledging the mistake they made I was told since an account existed with someone elses SSN that it still falls on me for being late even though they had the wrong SSN. To add on to that, instead of fixing THEIR mistake, they decided to provide me with someone elses FULL SSN and I was told to use their SSN to enter the account make a payment of {$1500.00} in order to receive my vehicle back. I was extremely upset with this decision and make it clear that I was very uncomfortable with using someone elses SSN to make a payment on my vehicle, the lady I was speaking to became more agitated and proceeded to tell me there wasnt anything she could do for me besides decrease the price by {$30.00} until XX/XX/2023. I dont feel like what their doing is legally acceptable, under no circumstances should they be okay with giving out someones SSN so willingly! I dont know what to do from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX XXXX XXXX - Called to add {$800.00} to line of credit I needed to wait on approval letter. 
Once accepted, must send {$800.00} within 15 days. 
Send check or money order to XXXX XXXX XXXX, XXXX, GA XXXX Was told what account number to add to memo line. 

XX/XX/XXXXXXXX  - XXXX Called to follow-up on credit increase. 
Received wrong information on XX/XX/XXXX and now I have to start the request over. Looks like I need to send in the {$800.00} security deposit first then First Progress will approve or deny credit limit increase. 
Requested to speak with supervisor regarding quality control and provide feedback on the ill-advised information I previously received. 
I have 15 day from today XX/XX/XXXX to send in the {$800.00} money order. If it is not received in 15 days, the credit increase will be denied and funds will be sent back to me. 

XX/XX/XXXX Mailed money order of {$800.00}. Sent certified-mail. 

XX/XX/XXXX According to USPS tracking system for certified mail, money order of {$800.00} was received by First Progress on XX/XX/XXXX. 

XX/XX/XXXX Letter dated XX/XX/XXXX sent to me saying it's been 15 days and security deposit was not received. Credit increased was denied. There was no additional information as to the time frame the funds will be returned to me. ( Received denial letter on XXXX ). 

XX/XX/XXXX XXXX @ XXXX Called to get the status of the refund. I was informed that I needed to fax a letter to the Back Office ( XXXX XXXX XXXX ) to check on status of my {$800.00} security deposit. 

XX/XX/XXXX Called again to get the status and the instructions on what specific information I needed to do to get my {$800.00} security deposit. Now they're saying it will take up to 10 weeks to get my refund. This is crazy. I have to respond in 15 days.received denial on funds what were received on time. Increase never applied to my account. And now I have to wait 10 weeks to get my money back. I made sure I told the representative I would be reporting them to proper authorities. I will be submitting a complaint to www.consumerfinance.gov and the attorney general of the corporate office of First Progress. 

Resolution : I need my money now or they need to award me the {$800.00} additional credit increase and I want it done in the next 15 days and not in two and a half months. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/2023, I opened an online savings account with Synchrony Bank. On XX/XX/2023, {$20000.00} was debited from my personal checking account with XXXX XXXX XXXX to fund my Synchrony Savings Account. On or about XX/XX/2023, {$5500.00} was debited from my XXXX XXXX XXXX XXXX to fund my Synchrony Savings Account. On or about XX/XX/2023, {$27000.00} was debited from my XXXX XXXX XXXX XXXX XXXX to fund my Synchrony Savings Account. A total of {$52000.00} had been deposited with Synchrony Back. 

As of today, XX/XX/2023, I do not have access to my funds and I no longer have online access to my account. I have spoken with Synchrony Bank on multiple occasions have been informed, most recently on XX/XX/2023, and I have been informed there is a restriction on my account and that the funds can be unavailable for up to an additional 60 days. I informed Synchrony Bank on multiple occasions that having my fund be unavailable for 90 plus days is unacceptable as this is a savings account and not an investment nor a CD and I will be irreparably damaged if I do not have access to my funds ASAP. I informed Synchrony Bank to immediately lift the restriction to my funds, or to remit my funds back to my originating accounts with interest immediately. Synchrony Bank has refused to do this. 

I have further informed Synchrony Bank that I have lost faith in their solvency, given the fact that I am not allowed to access MY liquid funds and now have grave concerns about the safety of my funds. This is even compounded by the fact that Synchrony bank has deleted my online access and have provided me with no statement indicating the amount of funds they are holding for me. From outwards appearance, it doesnt even appear that my account with Synchrony Bank exists. 

I have statements from all my originating accounts showing the funds being debited and remitted to Synchrony Bank. 

I demand immediate access to my funds, return of my funds to their original accounts with interest or FDIC insured coverage for my funds.

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 2022-12-20
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I reached out to PayPal regarding getting scammed by a merchant who asked me to pay him {$14000.00} in exchange for XXXX cards via friends and family. I have conversations saved and his house was supposedly broken into and the product I ordered was stolen. He promised a refund which I have yet to receive. He provided PayPal fake tracking numbers further incriminating himself as well as proving that I purchased items that have not been received and because he demanded friends and family payment, Im left without a means to recover the money through their buyers protection. I was told by PayPal to open a dispute with my bank ( XXXX ) who I have also filed a complaint about and was assured they would work together to get my money back. XXXX is refusing to open the dispute because they lack the authority to reverse the charges and said I need to ask PayPal who hasnt been able to help. So Im going around in circles and Im still out over {$12000.00}, the only transactions that were able to be reversed were the ones made by credit card which were settled in my favor. Im left without any options and I need PayPal to investigate this and refund my money through a chargeback of the merchants account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 


In Accordance with the Fair Credit Reporting act My name, address and work is incorrect on my credit file. 

and it has violated my rights. 

correction of ( name ) should be : XXXX XXXX XXXX corrections of ( Date Of Birth ) XXXX correction of ( Social Security # ) : XXXX correction of address should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Correction of Employer should be : XXXX XXXX 15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I received a wire of XXXX dollars from XXXX XXXX. She owed money to a friend of mine that asked if it could be placed in my account. I told my friend ok an I would give it to them. XXXX XXXX sent the money herself. Now I get a call yesterday XX/XX/24 from someone in the fraud department from wells Fargo claiming I commited fraud when I did not. XXXX put the funds in my account on her own. I should not be penalized for her claiming she did not authorized the transaction when clearly she did. Now my account with wells Fargo that in just opened is going to be closed leaving me with no access to my own money. Which is not fair what I do with my own money is no ones business. The lady who called me claims I scammed XXXX which I did not. Please help me reverse this. I can't open any bank accounts withother banks because of this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: SAN DIEGO COUNTY CREDIT UNION
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
My credit account been having transactions since XXXX till Now XXXX transactions I am totally unaware of...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: AR
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 submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. The items in question are as follows : 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 XXXXXXXX Opened XXXX XXXX, XXXX Balance {$970.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Bankruptcy : Reference Number XXXX Date Filed XXXX XXXX, XXXX XXXX XXXX  Bankruptcy : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX / XXXX XXXX Opened XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$280.00} XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : 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 Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry : XX/XX/XXXX XXXX I can assure you that I did not open these items or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXXXXXX Account XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Bank of America reported to the credit bureaus that I did not make a car payment and that my balance went up as a result. This damaged my credit score. This was not true. Bank of america did a 30 day investigation and came back that because my payment history was good that they must have reported correctly without looking at the reporting. I filed disputes with all 3 credit bureaus and bank of america responded to them that their reporting was correct. It was not correct. This resulted in the bureaus not fixing the credit issue. Bank of america then corrected the credit report but did not respond or contact the credit bureaus to let them know that their original response was not correct and that they have made corrections. My credit is still damage and Bank of america still denies responsibility despite reporting incorrectly.

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 2023-02-07
Company: Experian Information Solutions Inc.
State: FL
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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 explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: VA
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have more than 66 companies are messing with my credit score. I have two or three companies that I need to fix but other companies I don't owe anything and they are leaving their name in my system and this is disturbing my score to go up, so that's why I'm sending this letter, to enter into dispute to fix my credit, because, I am not able to finance anything else for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: EQUIFAX, INC.
State: NY
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$21000.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}

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 2023-04-20
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$74000.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX : {$5200.00} XXXX XXXX XXXX XXXXXXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$71000.00} ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-04-20
Company: EQUIFAX, INC.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$21000.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00}, XXXX XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}

Company response to consumer: Closed with explanation