BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: MD
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 is my 3rd XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX : {$390.00} XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: Kikoff Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This bank has shown continuously they can not keep my money safe and the time they require to fix the issue is both unfair and unacceptable. Blocked my old card for security reasons and a merchant was still able to get a hold and charge of the new one ; and I have not even received it yet. They take no accountability, hung up and have given me the run arounds so much. Demanding over 60 days to resolve an error on their part. All calls to make it right has been futile. All questions as to how a merchant was able to charge a card I have yet to receive. I just want my money back in XXXX timely fashion. I do not have the luxury to wait for months for them to fix an issue they let get out of hand

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX my computer was hacked and I got sucked into a scam that day and also on XX/XX/XXXX. On XX/XX/XXXX the scammer had me wire transfer {$24000.00} to another Wells Fargo customer and then he showed me on line that my checking account was hacked. He had me go to another Wells Fargo branch the following day, XX/XX/XXXX, and wire transfer {$26000.00} from my savings account to a different Wells Fargo customer telling me that both accounts had been hacked " probably by a Wells Fargo employee ''. The scammer told me not to answer any Wells Fargo phone calls and he told me not to speak with family or friends about any of this. On XX/XX/XXXX I broke my silence and my family made me aware that I was in a middle of a scam ; I am XXXX XXXX XXXX and I had no idea I was a victim of fraud. We confirmed the scam with Wells Fargo on XX/XX/XXXX. 

I then immediately filed a report with the city of XXXX Police Department. I filed a report with the FBI. I filed a report with the FTC. XXXX XXXXXXXX XXXX XXXX of the FBI phoned me to ask if my money had been returned ; I told them " no ''. I filed a claim with my home owners insurance and they denied it. Someone kindly reported my situation to the XXXX XXXX XXXX XXXXXXXX XXXX who made one phone contact to me to check on my well-being. 

I was told by Wells Fargo that because I initiated the wire transfers, the money was gone and I would not be reimbursed even though they knew that the money was sent to two of their other customers ' accounts. I escalated my claim to the President/CEO of Wells Fargo and after their investigation they said my claim was denied because the bank said " funds from the wire are not able to be credited to my account. '' The {$50000.00} cleared out my entire checking account and my savings account. It has been devastating.

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 2023-08-17
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is a debt from a checking account they claim was overdrawn when I chose to leave Wells Fargo. This is a debt from XX/XX/XXXX. It was charged off in XXXX. 

FAR BEYOND THE STATUTE OF LIMITATIONS IN CALIFORNIA AND THE FEDERAL LAW. 

The collection agency indicated they have been attempting to collect for over 15 years but I never received notifications or telephone calls. I informed them that I moved from California over a year ago so any recent collection efforts would have been missed. 

They recently reached out to a relative with whom I had legally sought to protect myself from ( why I left California ). The communication with the collation agency encouraged the relative to locate me to deliver the message from the collection agency. 

All over a minimal collection amount : Original debt {$1400.00} Proposed payment {$2900.00}

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 explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A 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 non-monetary relief
Consumer complaint received 2023-08-18
Company: Continental Finance Company, LLC
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 was a victim of identity theft, pursuant to 18 USC 1028A. Please delete these inquiries from XXXX, XXXX, And XXXX, or your agency is violating the Fair Credit Reporting Act block of information section which is 15 USC 1681 c-2, which states these inquiries must be deleted within 4 days of receipt of this identity theft report. 

XXXX XXXX XXXX XXXX XXXX Continental Finance/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Verv 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 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 2023-08-18
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved into an apartment complex in XXXX NC, called XXXX XXXX in XXXX, that was managed by XXXX XXXX XXXX, They also owned XXXX XXXX XXXX ( located in XXXX NC ) to which I moved in XXXX. Because they were managed by the same management company, I was able to transfer my lease and deposit to XXXX XXXX XXXX. I lived in XXXX XXXX from XXXX until XX/XX/XXXX. In early XXXX, XXXX XXXX XXXX sold the apartment complex to XXXX XXXX. When I moved out in XXXX, I had a walk through scheduled with XXXX XXXX but the moving company came earlier than expected and I did not do the final walk through, even though I went to the office and requested an earlier walk through, they had no one to do it at that time. XXXX XXXX had my email address, phone number, and forwarding address, in case I owed any charges after moving out. I was told they would send me an invoice for any charges if there were any. From XX/XX/XXXX until XX/XX/XXXX, I checked the resident portal to see if there were any charges, I did not see any, and I also did not receive any mail correspondence at my new address. In XX/XX/XXXX, I was notified by email that my credit report had changed because of something derogatory hitting my credit. When I looked, it was a credit collection agency. I telephoned Genesis in XXXX, and they sent me an invoice with just the amount of {$230.00} on it from XXXX XXXX, for some cleaning they had to do in the apartment. I knew that wasn't correct because it didn't have my {$250.00} deposit listed on the invoice anywhere. I disputed it through XXXX since that was the credit bureau it was listed on, and it was taken off my credit report. On Thursday, XX/XX/XXXX, I received a text from Genesis the same collection agency that put the derogatory mark on my XXXX credit report. I called Genesis on Friday, XX/XX/XXXX to request a validation of debt ( didn't know that's what I did the first time ) and they refused to send me any thing. They said since they sent me the invoice in XXXX, they would not send another one. I reached out to XXXX XXXX XXXX  and they still had my paid invoice with my {$250.00} deposit where I moved into XXXX XXXX and then transferred to XXXX XXXX, and sent it to me today. I want Genesis to know that they have an incorrect invoice amount because my {$250.00} deposit was not added to the invoice, which would mean that I owe nothing for moving out of XXXX XXXX. In reality they XXXX XXXX owes me {$12.00} back from my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I called Wells Fargo. I asked why I wasn't notified the promotional interest rate would expire in XXXX. I asked for a refund for XXXX and XXXX interest payments, since I didn't receive a letter in the mail or any notice of when the date was changing. I was told no this was not possible ( only a {$50.00} fee could be given ) Further, my minimum payment jumped from {$100.00} to {$400.00} during this time. I was confused how the payment could jump so significantly. I was told the minimum payment is 1 % of the balance due plus includes any fees & interest. I thought ( per other banks ) the minimum balance due is always a % of the balance. That's a significant jump, and an even harder hole to crawl out of. 

I have {$600.00} of interest being charged over the course of two months. 30 % interest rate and a payment of 1 % plus interest so {$800.00} due today. My account is {$41.00} dollars over the credit limit again thanks to the {$600.00} in interest. I'm at risk of default, and wells fargo offered no guidance or clear disclosure to ensure I was prepared for the months ahead.

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 2023-08-18
Company: EQUIFAX, INC.
State: NC
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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Bank of America denied me a business credit card application, giving me the reason that my personal report has negative marks or indicators and that is why they did not approve the application, but I must remind you that I applied for a credit card for my business, not for me. personal use because if they register a fictitious name they believe that they are going to force someone to pay or comply, they are very wrong, what they show is that they are not doing their job well or they are not providing the services they offer because you have to know the differences between personal accounts and of business.

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 2023-08-20
Company: I.C. System, 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:
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2023-08-21
Company: WELLS FARGO & COMPANY
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose. 
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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have a credit monitoring alert with the wrong information that does not belong to me. 
Creditor type states ( Bulk purchase finance ). 
I do not recognize this nor have I made any purchases with XXXX XXXX XXXX. Please have this removed off of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: Foris DAX, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Around XX/XX/2022, I fell victim to multi-layered scam operations run by XXXX and XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: ERC
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:
J have an account showing in collections from a collection agency Called ERC in XXXX, Fl. It was for a XXXX bill of {$490.00}. 
I have paid this in full and have receipt from XXXX. I demand that ERC remove this from all my credit reports Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: WELLS FARGO & COMPANY
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 XXXX  XXXX  that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-05-06
Company: Resurgent Capital Services L.P.
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I was in college and had student loans and other loans taken out of my bank for {$13000.00} and is now messing up my credit and making it where I cant refinance my truck which I have a 23 % interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
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: Account status incorrect

Complaint:
THE COMPANY XXXX ; SHOWS MY ACCOUNT 90 DAYS LATE THERE IS NO 30 DAYS OR 60 DAYS LATE ON MY CREDIT REPORT ON XX/XX/22 MY CREDIT REPORT SHOWS CURRENT BUT ON XX/XX/22 MY CREDIT REPORT SHOWS 90 DAYS LATE ON XX/XX/22 SHOWS NO DATA FOR THIS PERIOD NOTE THIS HAS RUINED MY CREDIT SCORE IT WAS XXXX KNOW IT IS XXXX MY DREAMS OF HOME OWNERSHIP FOR MY FAMILY IS GONE UNTIL THIS ISSUE CAN BE RESOLVED I PRAY SOMEONE WITH A HEART READS THIS AND HELPS ME WITH THIS ISSUE MAY GOD BLESS YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions 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 DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THIS ACCOUNT. BLOCK AND REMOVE IT. 
XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  account XXXX XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX 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 state a consumer report 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