BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted my identification and FTC report to Equifax many times and they continue to say the documents are not legible when I'm sending full exposure color documents. Furthermore they are giving me the run around about removing the fraudulent inquiries listed on my report. First they advised that I needed to list all inquiries on the FTC report which only allows you to list up to 3 inquiries. I resubmitted with all remaining inquiries listed in the personal statement section of the FTC report as Equifax 's supervisor advised me to and waited 30 days and then another supervisor tells me I needed to list each inquiry on a separate FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of ID theft, someone broke into my car and stole my wallet and luggage, my ID, passport and ss card was compromised and I filled a police report and the investigation is ongoing, I recently filed another police report regarding the accounts on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Nation-star, Mr. Cooper, RightPath refuse to honor Covid forbearance transition to deferment. RightPath demands lump sum payment for 18 month forbearance period or they will foreclose. 35 day notice to comply. On its face, intentional scheme to Force modification at MUCH higher rate and/or unjust enrichment with forclosure ( $ XXXX equity ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I called Wells Fargo to close my savings account and one of my checking accounts because they started charging fees. On XX/XX/22 Wells Fargo closed the wrong checking account. They took the money out and sent it in a cashers check, leaving me with no money till I received the check, almost 7-8 days. I called them on the XXXX and asked why it was closed, they said they made the mistake of closing the wrong account and they would start a case on this. They told me they could not reopen the account leaving me to take time off work ( not paid ) to get all of my bills that come out of that account moved to somewhere else. I also had checks out that were returned because of this. I have not heard back from them since. I have called twice and sent complaints online through Wells Fargo website.

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 2022-08-01
Company: EQUIFAX, INC.
State: GA
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:
Account # XXXX Equifax has failed to provide proper documentation and proof of why a XXXX XXXX  bankruptcy remains on my credit. This account is not valid, not mine and I have tried several times with Equifax. XXXX and XXXX have both removed this inaccurate account but yet Equifax keeps it. I have documentation from the XXXX Courthouse stating they do not report to the credit bureaus and also ; XXXX XXXX has removed the account as well. 


They also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions. 

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The law also states ALL credit bureaus has to report accurate and the same information. 

If this is the case, then why is Equifax not removing this account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: Synovus Bank
State: MI
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:
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 an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: John C. Heath, Attorney at Law, PLLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
On XX/XX/2022 Lexington law charge my account for service that was cancelled. 
I was billed for service that was cancelled. I will like for the fund to be returned as soon as possible. I no longer want service. Please see the attached picture from the website concerning my account be cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: AR
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. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 before that the information is inaccurate. 

Multiple of these accounts have inconsistencies in the reporting pictures are also attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Prizm Financial Company, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I applied for a auto loan through Prizm Financial and was approved on XXXX  the lender made it a requirement to sign a auto payment agreement in order to get the loan, they also stated in order to remove the auto pay I must pay a fee in excess of {$100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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 have sent countless of certified letters to equifax with a police report and ftc report of the fraudulent account from FAMILY SUPPORT/CHILD SUPPORT being on my credit report. Every time i have sent a letter i have talked to the creditor and they keep saying EQUIFAX has not contacted them at all. 
When I contact equifax they keep telling me to send another ftc report. I have sent XXXX ftc reports, and the last fraud representative told me to include the full account number and it can be blocked because they see my address and name dont match up on that account. They told me they cant send me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions 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:
XXXX past disputes was deleted and I XXXX XXXX the consumer are now seeking remedies for the action of XXXX who furnaced these wrongfully consumer reports that have took a toll of my life and credit gain to help my family. 

I have 4 completed deletions dated from XXXX XXXX XXXX was deleted XXXX XXXX, XXXX XXXX XXXX was deleted XXXX XXXX, XXXX XXXX XXXX XXXX WAS DELETED XX/XX/2017, XXXX XXXX XXXX WAS DELETED XXXX XXXX.. These reports was on my file FOR YEARS AND NOW Im seeking remedies for all wrongfully actions from XXXX furnacing those accounts to their Website & I XXXX XXXX didnt give anyone the rights to breach my privacy. My privacy was invaded and once again I didnt give anyone the permission to use my credit in their likeness and I demand.

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 2022-08-23
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Today, XX/XX/22 I Followed a link my husband sent to XXXX website for a sale of {$25.00} shoes. The website looked correct for the shoe company. Check said to XXXX so I ordered XXXX pairs and was charged {$90.00}. I paid through PayPal but when transfer was complete i saw that the money did not go to XXXX but to an individual person. I sent scam request to PayPal. I believe this is a scam, possibly through a social media site

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-01
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:
XXXX past disputes was deleted and I XXXX XXXX the consumer are now seeking remedies for the action of XXXX who furnaced these wrongfully consumer reports that have took a toll of my life and credit gain to help my family. 

I have 4 completed deletions dated from XXXX XXXX XXXX was deleted XXXX XXXX, XXXX XXXX XXXX was deleted XXXX XXXX, XXXX XXXX XXXX XXXX WAS DELETED XX/XX/2017, XXXX XXXX XXXX WAS DELETED XXXX XXXX.. These reports was on my file FOR YEARS AND NOW Im seeking remedies for all wrongfully actions from XXXX furnacing those accounts to their Website & I XXXX XXXX didnt give anyone the rights to breach my privacy. My privacy was invaded and once again I didnt give anyone the permission to use my credit in their likeness and I demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: American Coradius International LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the Fair Credit Reporting act the List of account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. 

I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Inaccurate/Fraud Account ( Not mines ) American Coradius International LLC is a debt collector Account name : XXXX Account with account number XXXX : 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: CITIBANK, N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My Citibank XXXX account got hacked. I tried calling the fraud department, the hacker redirected the call and knew all my information. The hacker knew my bank card and pin. I did not authorize the transaction, the notifications I received were fake through text and email. I tried explaining it to the bank, and used a different phone to try and contact them because I was not sure if my phone was still hacked. I have still not received a decision from my bank institution. I went to a bank branch and opened a new Checking account and ordered a new card. I am worried they will not return my money, this has never happened to me since I been a member since XXXX. I also submitted a complaint with XXXX and requiring extra security for consumers. I am submitting this request due to XXXX XXXX set by the Federal Government. 
Date : XX/XX/XXXX Amount : {$2800.00}

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 2022-09-28
Company: LEXISNEXIS
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, in early XXXX of this year I had to complete a security check for a financial institution, XXXX XXXX, and failed the check. Then on the XXXX XX/XX/2022, I failed another security check with XXXX, an insurance company. From the questions both agencies asked me and the answers that were presented, it appears that the company/companies compiling this information has me confused with a person with a similar that is my age and lived in cities that I also lived in but is not me. My recent credit reports do not have me confused with this other person, only these security questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: CITIBANK, N.A.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I mistakenly paid my car payment to Best Buy. No one at Best Buy has helped and they actually told me that they couldn't help me. I no longer have an account with them so the payment is just sitting there. My bank reached out to Best Buy but they haven't responded.

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 2022-08-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I received an email from XXXX XXXX for an unauthorized service. During the conversation with XXXX XXXX with this company, he made a {$35000.00} wire transfer to my account and later said it was an error and that I URGENTLY needed to go to Wells Fargo to wire the money back. Upon getting to Wells Fargo XXXX XXXX greeted and helped me at his desk. He allowed me to make this transfer back to XXXX XXXX WITHOUT ever checking my 40+ years of banking history and following protocol to protect their XXXX customers. My daughter went to speak with XXXX personally on XX/XX/XXXX, and ADMITTED to seeing all the red flags with this transaction but STILL failed to protect his customer and allowed the wire transfer to be completed to a bank in XXXX. I have spoken with a previous Chief Executive Manager of Wells Fargo and she has even said Protocol was not followed to protect me. I have banked with Wells Fargo for over 40+years and have NEVER made an international wire transfer and if PROPER PROTOCOL WAS FOLLOWED THIS TRANSACTION WOULD HAVE NEVER HAPPENED

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 2022-08-01
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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Southern Auto Finance Co
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:
My balance not correct on my credit reports they all different last reported XX/XX/2022 amount XXXX I was told they show the same on my credit reports but they dont

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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 XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # 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

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 2022-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
XX/XX/2022 : Capital one refuses to give cosigners of credit cards online access. 

I was told by several supervisors and workers that in order for co-signers to get access to the online portal we have to use the same username / password across all users of the credit card. So I would have to use the Primary owners credit card user/password. By doing that it will give us all access to all credit card information on the username. 
That is absolutely unacceptable, as I am not the cosigner on any of the other accounts by that user and should never have access to all of his account information. 
the fact that they say that each credit card is only allowed 1 log in is against financial protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Mercedes Benz Financial Services
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:
I, went to Mercedes-benzes of XXXX  XXXX and was discriminated against, and deceived, " I was told I did not met the criteria to extend my consumers credit because of unfair credit reporting ; as stated by law that shall be a considering factor in a consumers transaction. They acquired my personal info shared it and under 15 usc 1602 ( p ) I received no benefit in that consumers transaction.

Company response to consumer: Closed with explanation