BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
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:
On XX/XX/2023, I sent correspondence to Equifax, XXXX and XXXX in regards to myself being a XXXX XXXX XXXX XXXX ( Trafficking Victims Protection Act, 22 U.S.C. 7101 et seq. ) Pursuant to 1022.142 ( e ) ( 1 ), these reporting agencies had XXXX days to comply and remove the items described in the correspondence sent. There has yet to be any corrections made by blocking harmful information and it is apparent that these companies Equifax, XXXX and XXXX are willfully and intentionally allowing my suffering to continue and are causing harm to me and my family. They are clearly in violation of Federal Law, and as a Federally Protected Consumer I demand that actions be taken and corrections be made. This is not a matter to be taken lightly. It is the responsibility of the CFPB to enforce our rights as consumers and protect our interests. Please assist me in obtaining relief. I shall be reaching out to federal authorities and plan to request a full audit against these companies for being accomplices to my pain and suffering as I attempt to move forward with my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: CA
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:
THIS ACCOUNT MUST BE REMOVED IN 4 DAYS. This account is not mine. Also, I never lived nor received emails in the address reported in my file. 
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 2023-08-03
Company: Sequium Asset Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SEQUIUM ASSET SOLUTION has purchased a collection from another company which I already successfully disputed as identity thief. They are now misrepresenting the date of the actual event by two years and refusing to remove it from my credit file. This is a despicable business practice.

I live in a house XXXX  and the fraudulent service address is an apartment in XXXX, XXXX  so there is no conceiving way I could have received notice. I previously provided evidence that I had never lived nor authorized anyone living there to use my information to obtain credit. This was previously successfully disputed with the previous collections agency. SEQUIUM ASSET SOLUTION knowingly tries to collect on fraudulent debt and reports to credit agencies on knowingly fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be removed from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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:
My name is XXXX 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 2023-06-06
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Thursday, XX/XX/XXXX, I was in a XXXX XXXX XXXX casino and I was ready to travel back to where i was staying. I took a cab and when I swiped my card, it didn't work. The cab driver said i could pay with XXXX or Zelle. I was tired and fell asleep during the drive and he took me to a strip center where other cab drivers were hanging out. I told him that this was not the right place and asked where I was. He said that i need to get my Zelle payment, and right as he said that, another person got into the backseat and demanded that I make the payment and they'll take me the rest of the way. I feared for my life at this moment, and proceed to give them {$170.00}. The recipient took the phone from me and added another XXXX. I did not authorize this payment and didn't realize what they did until the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
The Wells Fargo website offers services that Wells Fargo has no intention of providing to its customers. 

I have had a Wells Fargo checking account for over twenty years. On XX/XX/2023 I used Wells Fargo online banking to make many attempts at opening a savings account. I tried to do this with both XXXX and XXXX. Regrettably, none of my attempts were successful. 

When I telephoned Wells Fargo about this bug, several Wells Fargo reps stated that Wells Fargo is unable to troubleshoot its website. After several telephone calls to Wells Fargo, my issue was finally escalated to the Executive Office on XX/XX/XXXX. 

As of XX/XX/XXXX, my case has not been assigned to a Case Specialist. Wells Fargo has stated that I will have to wait until XX/XX/XXXX before further action is taken on my case. This is unacceptable.

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 2023-01-20
Company: Atlanticus Services Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I opened a credit card with Aspire around XXXX XXXX XXXX I was granted a {$500.00} credit limit. I was told my card would be sent to me in 7-10 business days. The days came and went I called on multiple occasions and did the online chat saying I never received it and they said they would request a new one. I was then charged a {$90.00} annual fee on the card with a payment due of {$25.00} on XXXX XXXX I was forced to add a checking account at sign up to make the payments for. I still hadnt received my card when the day of the first payment came out. I called and said I shouldnt be making payments if I havent had any access to the account at all. The lady on the phone agreed and said she would issue a refund by check for the {$25.00} and also try and get my card expedited. She said it would take 14 days for the check to come by mail, it is now XX/XX/XXXX and I have yet to see either of the two.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Monthly fees and debit card fees

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 2023-08-03
Company: CAINE & WEINER COMPANY, INC.
State: FL
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 havent provided evidence in accordance with the doctrine, so you may assume, under the doctrine of estoppel by silence, that there is no proof of the purported debt and, as a result, no such liability, if the debt collector has not provided the requested proof of the alleged debt within 30 days. 
In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 had someone still my DL, and SS since then they have fraudulent put things in my name. I provided the name of the person who did it on my FTC report. I also have a police report on the theft of my information. I tried to dispute with credit bureaus but they have not taken action

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: ROBINHOOD MARKETS INC.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Robinhood claims I have to " close all positions '' before deactivating my account. Remaining positions are fractions of a cent of crypto that can't be sold or transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, 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:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Resurgent Capital Services L.P.
State: FL
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 havent provided evidence in accordance with the doctrine, so you may assume, under the doctrine of estoppel by silence, that there is no proof of the purported debt and, as a result, no such liability, if the debt collector has not provided the requested proof of the alleged debt within 30 days. 
In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it again. It is not permissible to fail to validate these reporting accounts. Investigate these accounts and verify them as soon as possible XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$84000.00} XXXX XXXX XXXX A XXXX .... Balance : {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: OH
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:
I made the late payments and they still repossessed my vehicle and still say they know nothing about it

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 2023-08-03
Company: CAINE & WEINER COMPANY, INC.
State: MN
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:
These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, Caine Weiner Compa Reported : XX/XX/2023. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: VA
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 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 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 2023-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My Capital One credit card had an offer of 0 % for the first 9 months, but now Capital One refuses to honor the full 9 months. This offer was advertised publicly, in communication with me, and during the application process. My account was opened and my card was received on XX/XX/2023, thus the offer should be through XX/XX/2023, however I was only given 0 % interest until XXXX. After I notified Capital One of the discrepancy, a representative communicated to me that the date would be corrected if I sent them a copy of the emails that I received showing that 9 months was offered. I sent this documentation to the address they specified, and I recently learned that this was received by Capital One in XXXX. However, the issue was never corrected. I contacted Capital One again today, and they acknowledged the past communication and that the requested documentation had been provided, but refused to make the correction on the basis that a generated disclosure sent on XX/XX/XXXX also shows the XXXX expiry date. This is a plainly obvious error considering that these dates do not span 9 months. So first of all, Capital One 's own records confirm that there was a mismatch between the offer that I was given and the one that was actually applied. Secondly, I was previously already promised by a Capital One representative that the date WOULD be corrected from XXXX to XXXX, with the only condition being that I send proof of the email stating that the offer was for 9 months, which I have done. Despite this, Capital One still has not made the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have given the bureaus proof of items being included and discharged in bankruptcy. The first delinquency is 7 years old and the items should be deleted from my file. The late payment from years ago are still effecting me to start my life over and all I get is to keep giving proof of my residence and ID which I have sent. The following should be deleted from my credit file XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. The XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX  In addition my credit report was pulled several times without my permission and should be deleted. I have several alerts showing my Identity is on the black market including my SSN. 

XXXX XXXX XX/XX/XXXX was out the country XXXX XXXX XXXX XX/XX/XXXX was out the country XXXX  XX/XX/XXXX did not apply XXXX XXXX XX/XX/XXXX did not apply XXXX XX/XX/XXXX did not apply XXXX XXXX XX/XX/XXXX did not apply XXXX XX/XX/XXXX did not apply XXXX XX/XX/XXXX did not apply XXXX XXXX XX/XX/XXXX did not apply Please have this looked into because I am getting nowhere

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 2023-08-03
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my right. 

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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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