BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In XXXX of 2021 I bought a car and was financed by Credit Acceptance Corporation. I was unaware of the amount I was being charged with my financing rate as well as other add-ons that was not discussed in much detail.

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 2023-06-21
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have sent cease and desist letter registered mail which was received by PenFed Credit Union on XX/XX/2023. I also sent a money order/bond that was received on XX/XX/2023. 

My personal property was repossessed XX/XX/2023, but stated they couldnt find my mail I sent registered mail. 

I do not consent Penfed to give my personal information to another company and the repossession company was not in contract with me.

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 2023-05-25
Company: Experian Information Solutions Inc.
State: TX
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:
I kept on telling Experian that they are disrepecting and diregarding Fair Credit Reporting Act laws and regulations. 

According to 15 USC 1681 i ( 5 ) The Credit Bureaus said everything was complete and accurate and I asked them how is that if the open date is wrong, the amount owed is wrong, the balances are wrong, and ALL comments are wrong! 

Then I ask them VIA certified mail # XXXX to provide me a description of the investigation according to 15 USC 1681i ( 7 ) and they never did. I have proof of mail I sent ( attached ).

Also according to 15 USC 1681 s-2 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.

This is violation after violation. The is causing me stress because I have no hope in this system.

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 2023-09-28
Company: EQUIFAX, INC.
State: MA
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX Balance : {$17000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have a XXXX XXXX monthly payment on car loan, they never contacted me during pandemic if they can help me with something about the payment. Ever since i'm still paying the same amount. It started XX/XX/2020.

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 2023-02-03
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: Account information incorrect

Complaint:
XXXX XXXX just reported our payment as XXXX days late, which isn't at all correct, as our last payment as we are not behind at all. 

Additionally, we are completely unable to make our payment anywhere. We upgraded our consumer account to a business account with XXXX, which resulted in our XXXX XXXX account disappearing from our XXXX account, which meant we were wholly unable to make the payment through normal means. We also contacted paypal and they know about the issue at hand and have known about it for multiple years, as their own customer help forum indicates. Several customers had this issue and XXXX has done nothing to assist in resolving the matter, as they love collecting the late fees that come in from customers paying late. I have no way of even accessing any of my account information, as XXXX says my account is Restricted when calling in and that they can't provide any information or even accept a payment. I can't make a payment through the mail because I don't know my account number and I can't make a payment through their IVR because it immediately transfers me to a representative when typing in my personal identifying information.

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 2023-02-01
Company: DISCOVER BANK
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a savings account with Discover Bank in XX/XX/2022. Their webpage ( https : XXXX? XXXX ) says that I can get {$150.00} bonus after depositing {$15000.00}. I deposited {$15000.00} right after opening the account. However, I still have not received the bonus. I contacted the bank and asked for the bonus. They in turn asked me to provide the promotion code. I was confused because my understanding was that the offer wass public and should not require a code. When I opened the aforementioned webpage again, I found a code inside a big paragraph of text in small font. I asked them to apply the code I found, but they said the code was not valid for my account. I am very frustrated with their behavior. By hiding the promo code in a big paragraph, they are essentially denying any customer who did not find the code of the bonus. This is a very unfair and misleading practice. A screenshot of the current webpage is attached and anyone can tell that the code is hard to find. I believe all their customers who opened the account through the advertising page, myself included, deserve the advertisied bonus regardless of whether or not they have included the promo code in the account opening process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: IN
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 and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX  XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX  XXXX Balance : {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I contacted Bank of America because I was not receiving e-alert emails for my account activity. I had numerous calls with Bank of America about this issue, and they repeatedly told me that there was nothing they could do about this. They told me to contact my email provider ( XXXX ) about this. XXXX told me that there was nothing on their end that would prevent me from receiving Bank of America emails. Because I couldn't get Bank of America to resolve this issue, I opened a complaint with the Better Business Bureau. I was contacted by XXXX XXXX from the Wealth Management Client Care Executive Escalations Team. This complaint is in reference to a letter dated XX/XX/XXXX that I received from XXXX XXXX that made false statements about what transpired in my communications with Bank of America about this issue. He stated that I " refused to process any troubleshooting requests '' and I " refused to allow a new e-alert to be established to test if adding the email address correct the issue. '' Both of these statements are completely false, and it is unacceptable for a Bank of America employee to make false and disparaging statements like this about one of their customers. On XX/XX/XXXX I contacted Bank of America and submitted a complaint about this employee and I was told I would receive a call back from Bank of America within 48 hours. It has been 2 weeks and I haven't heard back from anyone at Bank of America about this complaint. I called Bank of America back on XX/XX/XXXX, and spoke with a supervisor named XXXX and she didn't have any explanation as to why no one has contacted me. I told her that I will close my Bank of America credit card if I don't receive a call from them by XX/XX/XXXX. Its unacceptable to be treated like this by one of their employees and for Bank of America to not even contact me regarding the complaint I made about this employee.

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 2023-12-02
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 the date of XXXX made a check deposit of XXXX dollars. Which they set a hold on the founds which they held a delay for approximately 3days and only provided XXXX on XX/XX/21 of the XXXX dollar check..After about 9days from that date they provided the rest of XXXX on XX/XX/21 the remaining amount of the XXXX i deposited..i feel as if my money wasnt fully provided to me. I felt like i had either been skimmed or scamed out of the XXXX. The money only lasted in my account for like 4 more days after my statements where ether had over charged or double amounts pulled from the same transaction atm fees non-sufficient funds/NSF, and overdrafts that shouldn't have been on there since i banked with wells fargo they where very unprofessional about the situation and made me feel that i was wrong and wasting my time in trying to futher get explained where my founds where. I didnt feel like i would get anywhere with them i felt very helpless. I had to do my own investigation which i got refunded a few amounts of dollars which i had to get them to do desputes for. I feel that wells fargo kept or miss placed my XXXX dollars that i feel wornt ever placed in my checking account. Please help me get further founds and help me investigate where all my founds where spent and if they did follow protocol on delaying of my founds. I don't see why they would do such things with my funds from XXXX rental relief check.

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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: FL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-04-16
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-10-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX  using the domain XXXX, which involved me making deposits for a total amount of XXXX USD from my TD Bank account to fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: NC
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 have ask the credited bureau to do a investigation to make sure every thing was accurate they said they did and every thing was accurate and I did a research of my own and found inaccurate on my report even after they said they did a investigation.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 XXXX ; XXXX XXXX XXXX Account XXXX ; XXXX Account XXXX ; XXXX XXXX XXXX. Account 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 an account without my written instructions. 15 U.S.C 1681C. ( a ) ( 5 ) Section State ; 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 response to consumer: Closed with explanation