BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: Southwest Credit Systems, L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I just looked at my credit and was shocked to see the numerous amount of errors you have listed. I am writing to have you remove them immediately. 

The following account needs to be removed immediately Account Name : XXXX Account number reason pls verify and validate all data for this account, every notation, date and balances, whether reporter or not. 

Creditor Name : Southwest Credit Sys Date of Inquiry XX/XX/2023 Reason : this inquiry was made without my knowledge or consent and I would like to be provided with proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623 if you have no proof of any or one, I would like it removed immediately. 

By provision of the Fair Credit Reporting Act, I demand that thes items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. Please send updates copy of my report to the above address. 

Sincerely thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
Us auto sales was a rip off and scam they jacked the prices up for the car I bought 2011 was financed. For XXXX XXXX they would cut my car off even when I made a payment. They never gave me none of my referral fees and it was always problems with the car I was forced to keep

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my Bfs XXXX Tax Return check into my Chase account on JXX/XX/XXXX after speaking with the teller and she informed us that we could do a 3rd party deposit. After depositing, they put a 7 business day hold on it which was set to expire on XX/XX/XXXX. We go to bank the following day and speak to the same teller, she said they need to verify my BF authorized me to deposit his check into my account, though we were together at the bank initially. So she called I suppose the fraud department, and after a few minutes the teller asked for his phone number so they could call my Bfs phone and verify he authorized me to deposit his check. After the 7 day hold was up, they didn't release the money, so we went to the bank and spoke to the manager, they said someone decided they need a different number to verify me with. 3 days later they close my account, mailed me a check for some money that was already in the account, but they are withholding his refund check of {$4300.00} still in some limbo account. He even went and got a new, post paid XXXX account in his name, yet still can't get past verification. They refuse to allow him to get his money or return the check or anything because a phone number verification nobody has control over. We've gone in together with IDs, is a US Treasury check, and been cleared a month now. We even have gone into the branch with the IRS on the phone. Just need the money released. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit 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:
I purchased tickets to a broadway show, same day, via the capital one entertainment portal with my capital one credit card. I did this directly through the capital one app on my phone. I intended to pay roughly {$570.00}, but instead we were charged XXXX and XXXX XXXX XXXXXXXX. I do not know how this happened. As soon as I got the confirmation receipt, I noticed. I was boarding a flight to XXXX XXXX. I did manage to get ahold of both the bank and capital one entertainment. they told me there was nothing that could be done, including an immediate refund. By the time I landed, I got to the show right as it started and went to it. After the show, I called and spoke to several different representatives who all said there was nothing that could be done. I verbalized that this was a billing error. I then went to the capital one cafe and a physical banking location. They called customer service with us, and we spent about an hour and a half. I finally gave up, and am disputing the transaction as a billing error. I am fine paying {$570.00} for the show of course, but I want my miles back. Otherwise, I suppose I will need a full refund as this is clearly an error on their part, and I made a good faith effort to rectify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: DE
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 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 2023-02-20
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: Information belongs to someone else

Complaint:
Equifax confirmation # XXXX, has the following accounts reporting fraudulent on my consumer report. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / open XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX / open XX/XX/XXXX XXXX. XXXX XXXX, Acct, XXXX XXXX XXXX XXXX / open XX/XX/XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  / open XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX My Wells Fargo Checking Account reached XXXX Dollars. Then I was overdrawn {$58.00}. Since then Wells Fargo has continued to send Me texts that My Debit Card was Declined, then another Text stating My Account has Reached XXXX Dollars, then I'm slammed with More Fees. As of XXXX XX/XX/2023 I am Overdrawn {$240.00}. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, living on XXXX, and a Partial Pension. PLEASE HELP ME! Respectfully, 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 2023-08-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX XXXXunknown XXXX payments were made from my Wells Fargo account. Ive reported that multiple times, the bank just denied because it seems I authorized but if Im reporting and saying that I dont recognize those transactions and the person that received the money I Think I have right and the E regulations protects me. 
I received unknown money and from there XXXX dollars were transferred ( not by me ) and I didnt authorized anyone to do that, reported to police. Thats not possible for me to accept that answer After my claim Im not able to use XXXX because Im blocked

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 2023-08-29
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing my credit per the FCRA. I have submitted the correct paperwork showing I am a victim of identity theft. The paperwork is not being attached to my disputes and not being processed correctly per the FCRA. Also I have been asking for copies of the verification process and not getting anything. 

This is the account : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 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 non-monetary relief
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I formally request for the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to removed of : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX Balance {$67000.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$68000.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: HI
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-22
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 XXXX acc # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 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 2020-11-23
Company: SYNCHRONY FINANCIAL
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:
On XXXX XXXX, 2020, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, SYNCB/PAYPAL add a hard inquiry on my credit report per 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 2023-02-19
Company: Experian Information Solutions Inc.
State: AE
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:
I sent a letter off on XX/XX/2023. To remove personal information that I do not want on my credit report. Accrording to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2022-12-22
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo XXXX incorrectly denied mortgage loan modifications to certain qualified borrowers, the order states. 

We saw this in the news and this definitely happened to us. We have enough money to cover the rest of our mortgage, but didn't want to pay it all at once. 
in XXXX, We were refinancing to a 2.1 mortgage and it was lasting for months, they kept making excuses and then eventually turned us down because a side business/hobby didn't make money last year. It took a small loss of a couple thousand. My wife alone could cover our mortgage and my other business does well too. I think they didnt want to have such a low rate and were looking for excuses. It was so obvious, but we didnt report it, my wife was handling the refinance and she was done. They grilled her left and right, we have almost perfect credit scores. I'm a veteran. There was no true reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So California 's Bank of America EDD debit cards allows you to make a one time transfer to another bank. I used my one time transfer and transferred XXXXXXXX XXXX to someones account for a purchase ... BOA took the {$5000.00} and that persons $ XXXX paycheck and closed their account saying I was not supposed to send a transfer to some one else 's account. I had been put through the ringer for about 2 years trying to retrieve our money! BOA ( which the other person banks with ) said they sent the {$5000.00} back to EDD and that they would send the remaining balance of the other persons paycheck which they never did either! I've contacted EDD they informed me that they didnt receive any money as they CAN NOT receive any money back! After I told BOA that, I was then also informed that they did not send the money back to EDD because EDD did not submit a claim form.

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 2022-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX, Opened XXXX XXXX  has violated my rights by reporting an inaccurate late payment. This was also during the XXXX pandemic. And should be removed not only because of the violation of FCRA privacy and consumer laws, but also because of the CARES ACT provisions for consumers. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: SD
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:
my legal full given name is ; XXXX XXXX XXXX, I go by NO other name, the credit reporting agencies will nor delete the wrong names off of my reports.

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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 2022-12-22
Company: EQUIFAX, INC.
State: CT
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:
I did report to this following companies XXXX and Equifax my concerns as a individual protected by the consumers laws about having my name XXXX, addresses and some fraudulent hard inquiries posted on my credit repor.

Company response to consumer: Closed with explanation