BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
We have a savings account in a trust. The balance is XXXX cents and we want to close it as they keep charging service fees. My father - trustor of the trust- is XXXX, housebound, and legally XXXX. I took the certification of trust naming me as co trustee and a POA over my father into the branch office on XX/XX/XXXX ( took two weeks to get an appointment ) but they said the only way to close is for my father to physically come into a branch. Again, he is XXXX and can not go to a branch. He tried calling but they said he had to come into the branch. He explained he could not physically go to a branch but Wells Fargo doesn't care. I was told they will be charging the account again in 20 days and that if I wanted to come back in to discuss it would take at least 4 weeks to see someone. I told them that we don't care about the XXXX cents we just don't want any fees and want the account closed. Their only solution is for us to figure out how to get my XXXX year old father to a branch. I can not believe that there is no solution for those with XXXX. We don't want the XXXX cents just no more fees. We are at our wits end with this. The agent I met with suggested I go on line to close the account but you can't do that either unless the balance is already 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 2017-04-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XX/XX/2017 shortly after XXXX I checked my citizens bank checking account. I noticed a charge in the amount of {$1200.00} as pending. Because I did not authorize such a transaction I called the Citizens Bank customer service which informed me that there was a debit card transaction for the said amount processed at XXXX on Monday XX/XX/2017. I told them that I did not authorize any such payment and that this was a fraudulent transaction and if they could please stop it. Customer service told me that they will not stop this fraudulent transaction, that the charges were initiated by XXXX, and if I wanted I could call the XXXX to stop the transaction but they did not have a phone number for XXXX. I then called the fraud prevention department of the Citizens Bank. The representative told me essentially that they will not stop the fraud, and I was welcome to file a complaint with police. 
I did no given my debit card number or in any way or shape authorized XXXX to charge my account. My card was always with me. It is very likely that XXXX illegally obtained my debit card number, its expiration date and security code either by breaching the security system of the Citizens ' bank but most likely obtained these information through a corrupt employee ( s ) of Citizens Bank. By refusing to stop this fraudulent transaction as it was happening, the Citizens Bank enabled the fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-01
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am under my husbands auto insurance policy and have been for 3 years, I do not have a policy with XXXX auto insurance and do not owe them {$410.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Maximus Education, LLC dba Aidvantage
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: Old information reappears or never goes away

Complaint:
Took out and paid off student loan in XXXX but keeps appearing on credit report every few years as unpaid by US dept of education in the amounts of both {$3700.00} & {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. Again, Im sending over an Identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.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 Date Opened : XX/XX/2019 Balance : {$1000.00}

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 2022-09-01
Company: EQUIFAX, INC.
State: TX
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 DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED INQUIRIES. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/2019, last month, I made a payment on the XX/XX/XXXX for $XXXX to cover both XX/XX/XXXXand XX/XX/XXXX. I had already paid some at the beginning of the month and this was more than what was owed. The payment was misapplied and I was threatened with having my vehicle towed for nonpayment by XX/XX/XXXX although it had been made more than a week before the due date. When Santander found that a complaint was filed against thier company, they called and the payment was corrected. Now they have done the same thing again in XX/XX/XXXX. They are saying the payment was never made, they are trying to collect $XXXX  on my $XXXX installment and all that is owed in XX/XX/XXXXis $XXXX $XXXX  was already paid. This has become a regular occurrence and constant harassment involving my car. It is much worse than harassment and abuse now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: EQUIFAX, INC.
State: NJ
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:
Equifax continues to violate my rights. After disputing items they continue to appear on my credit report with new dates. These negative items have prevented me from owning a home as well as resulted in higher interest rates on my vehicle and credit cards. 

After having open disputes, the account remarks on my credit report do not reflect the disputes. This is a violation of federal regulation for each account. Also, accounts that were in charge-off status for over 7 years ( some over 10 years ) continue to be reported on my credit report. These are also violations of of my rights and federal regulation. 

I have found 30 instances of such violations appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/2020- Sent dispute letters to XXXX  , XXXX  , and Transunion . disputes are as follows XXXX  : XXXX XXXX- {$230.00} XXXX XXXX XXXX- {$580.00} XXXX XXXX XXXX- {$880.00} XXXX  : XXXX XXXX XXXX- {$230.00} XXXX XXXX- {$100.00} XXXX XXXX XXXX- {$880.00} Transunion : XXXX XXXX- {$230.00} XXXX XXXX XXXX- {$580.00} XXXX XXXX- {$100.00} XXXX XXXX XXXX- {$880.00} XXXX Sent Demand to Comply Letters to all three bureaus, Transunion, XXXX, and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian continues to violate my rights. After disputing items they continue to appear on my credit report with new dates. These negative items have prevented me from owning a home as well as resulted in higher interest rates on my vehicle and credit cards. 

After having open disputes, the account remarks on my credit report do not reflect the disputes. This is a violation of federal regulation for each account. Also, accounts that were in charge-off status for over 7 years ( some over 10 years ) continue to be reported on my credit report. These are also violations of of my rights and federal regulation. 

I have found 18 instances of such violations appearing on 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 explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have 30 years of accumulated Credit in good standing that has been removed from all four credit reports without my knowledge or consent. 

Due to this omission my FICO score and actual credit rating been adversely affected. 

I should have and reflect a score of XXXX. 
This error is affecting my ability to acquire jobs and land.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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: Account information incorrect

Complaint:
I have 30 years of accumulated Credit in good standing that has been removed from all four credit reports without my knowledge or consent. 

Due to this omission my FICO score and actual credit rating been adversely affected. 

I should have and reflect a score of XXXX. 
This error is affecting my ability to acquire jobs and land.

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 2022-04-25
Company: Choice Recovery, 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:
This company has violated Hippa laws I demand they are investigated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Experian Information Solutions Inc.
State: NC
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 account needs to be removed it has been settled and is reporting incorrectly I have attached all of the documents that show PROOF! 

The have date of last payment says XX/XX/2020 this account has been sold to a different company and settled this makes no sense every time I contact them to remove this account they send me the attached letter to the company that owns the account which is settled as you can see on the paper its a {$0.00} balance

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 report act conversion the following accounts XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX AND XXXX XXXX XXXX # XXXX are not being reported fairly and equitable and my consumer rights have been violated. The bureaus are not reporting 100 % accurate information on my credit report, late payments, account numbers, dates of last activity, account status and balances. 

The credit bureaus are in violation because of inaccurate, invalidated, and unverifiable reporting tactics, 15 USC 1681 section 602 A states I have the right to privacy, 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish your account without my written instructions. I have sent letters requesting them to verify the accuracy of these accounts.

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 2019-08-05
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
My name is XXXX XXXX. I am a new legal immigrant and I have had so much care about my credit score.  Right now, I am in a tough situation with Barclay 's bank an unsolicited bank tied to a Jet Blue credit card. Being overseas, I was surprised that they sent to my XXXX card a balance transfer of {$1500.00} that I never requested. When I realized about it, I called to XXXX and Barclay 's requesting to revert this transaction. I don't know why XXXX instead to return {$1500.00} to Barclay 's, they deposited in my XXXX account {$1300.00} with no explanation. I though that it was the amount for selling my car. I came back to XXXX on XX/XX/XXXX and I was surprised with calls from Barclay 's asking for the {$1500.00}. In the meantime, I sent to Barclay 's two checks. One for {$700.00} paying my airline ticket and other purchases, putting the balance in zero. The other check was for {$810.00} that Barclay 's returned to me with another check, and my sister deposited in my XXXX bank account. I have asked to Barclay 's if you say that I owe you {$1500.00}, why you returned to me {$810.00} in a check? They did not answer me. 
This morning, I received a call from Barclay 's Fraud investigation, and the woman who talked said that it was no fraud, because finally I received the money. So far now, that I unraveled the money between XXXX, XXXX and Barclay 's, I accept that this money that I never requested was in my bank account. Unfortunately, it is not longer there. However, it was a fraud of someone on Barclay 's who obligated me to get this debt. I have to return to XXXX next week and I want to solve this situation fairly. If Barclay 's is so desperately willing that I owe them money, it is okay. But the only way, that I can accept it is just a sum of {$1500.00}, no interests, no any kind of additional fees. They are charging me now {$1600.00}. As they wanted a balance transfer, it is Ok. Balance transfer are with 24 months no interests. I will pay the {$1500.00} in 24 months with no interests. Attached you can see all the letters sent to Barclay 's and they ignored me. Just today they called, because in the last letter, I copied to the credit card Bureau of disputes. Please help me to get solved this situation before my trip. 

Sincerely, XXXX XXXX ( XXXX XXXX XXXX I authorized to talk with my sister XXXX XXXX, because my English is under construction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Santander continues to call my references after I 've asked them, to stop. I never took down the dates but they should have them noted in their system as to how many times a day they call me and how many times they have contacted my references and left messages. Additionally, I asked them in XX/XX/XXXX or XX/XX/XXXX2017 not to call XXXX and they told me they would not because it is a verified phone number for me and a way to stay in contact. Today XX/XX/XXXX, they called me and left a message on my home then immediately called my reference and left a message. I have saved voicemails where they have talked about the debt without disclosing that this call is from a debt collector. They call me 2 to 3 times a day and they have a good confirmed home number so I do n't understand why they continue to call any other number on my file except for the reason to intimidate or harass me in to calling back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX or XXXX I called to XXXX and asked how much do I own to the bank. I want to to pay off and closed my account. I don't think PenFed is good and honest credit card provider. Then the lady said " {$1200.00} I owned to their bank '' I said " I wanted to pay off {$1200.00} then closed my account please " I gave her debit card and routing number. the process went throught. I asked her few times ... .Please closed my account and I own " XXXX '' to the bank... She said ok. my account will be close. after I ended my called. I put XXXX card away, and never aver use again. 

Yesterday XX/XX/22 I received from PENFED CREDIT CARD. I still own them {$40.00}. I don't have their card and never use it for months. I called the PENFED. ... why I own {$40.00}. Lady said during " Pending my pay off ''. fee charge {$40.00} more. 
This is real " SCAM " I gave them my debit and my routing, process went and they XXXX  took my money in no time. The lady ( PENFED. ) the manger will called me back in 2 hrs after I requested. I told her I gave her 4 hrs to call me back. I know this is scam, their manager will not call me back. And I was right. no one call me ask/from PENFED. for the whole day. 

" Pending my pay off ''. fee charge {$40.00} more. for that transaction. This so funny and cheap scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-01
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:
I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what i have found on my credit report that is not mine. 
XXXX XX/XX/2022 {$6100.00} XXXX XXXX XX/XX/2022 {$6100.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$320.00} XXXX XXXX XX/XX/2022. {$320.00} XXXX XXXX XX/XX/2022. {$4500.00} XXXX  XX/XX/2022 {$650.00}

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 2022-09-01
Company: EQUIFAX, INC.
State: NJ
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 there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
When I originally got a bill and saw the amount I disputed it with the company and the credit bureau I never charged a cell phone bill for over XXXX When I contacted the company XXXX directly they said they couldn't help and nothing they could do..maybe was too old not sure. I then disputed it with the credit bureau and gave as much info as I could ... No resolve and this is still under my credit profile for over XXXX and states will be till 2025... I feel upset because I have tried resolving the issue but no avail ... just occasionally receive the collection letters that I have no intention on paying cause I didn't incur them nor do I have the means. Obviously impacting my score negatively and Impeding me to mend the rest of my credit. Please assist

Company response to consumer: Closed with explanation