BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
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 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 2022-09-28
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

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. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 explanation
Consumer complaint received 2022-08-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I was contacted by a man claiming to be from Wells Fargo Fraud Dept. He was notifying me about fraudulent activity on my acct. I opened my app and found there was fraud on my acct. 
I started receiving texts from the same number Wells Fargo uses to send me codes, has me tell the the codes as verification. I told the man posing as Wells Fargo the codes numerous times and when I questioned it, he gaslighted me with scripted XXXX same as Wells Fargo. He finally slipped up and asked me for my entire social security number. I immediately hung up and called the number on the back of my debit card. 
I was assured it was fraud, but that they could fix it. I spent XXXX  hours on the phone with WF to close out my accounts ( both saving and checking ) and reopened new ones so no further fraud could occur. A new debit card was also ordered. 
On XX/XX/XXXX I called to ask questions about the fraud and was told everything I had previously had been told was wrong. I was also told not to question how or why it occurred and not to blame Wells Fargo or they just wouldnt give me my back. 
XX/XX/XXXX I went to Wells Fargo in XXXX, XXXX and spoke with a banker who helped me file a corporate complaint and was assured they knew it was fraud, a well known fraud, and that it would be handled and my monies returned. 
XX/XX/XXXX I was told my fraud claim had been rejected as not fraud, because I gave the man the codes. 
His phone number is registered on XXXX as a WellsFargo branch in XXXX. An attached link takes you to WellsFargo.com. He used Wells Fargos texting system to text me. Either he is fraudulently using their name and company, or Wells Fargo themselves are the fraud. Either way, its still fraud. 
Every time I talk to Wells Fargo I am asked to share codes that say not to do certain things. If I dont give them the codes, they will end the phone calls. Same as the fraudster. How is a customer supposed to tell the difference when the experience is, Just do it, or else with both the fraud and the bank themselves?

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 2022-09-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the last 6 weeks Portfolio Recovery Associates have called me from an auto dialer on a daily basis. They hang up every time I answer. I declared bankruptcy about 18 months ago. I finally got to speak to a live person who asked me if I owned a business. I told them no and I asked them directly to stop calling. The man consented but the calls continue. They call me during work hours, sometimes multiple times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is fraud related accounts that is reporting on my credit file. I have sent in a FTC report to all three credit bureaus more than 30 days ago and none of them took the proper action. Yet, those incorrect fraud accounts are still reporting on my credit report. This is violating. Instead of them removing the fraudently accounts due to me being a victim of identity theft they stated those accounts are verified. This is incorrect. I need those accounts deleted immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: ARS National Services, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
ARS national services inc is still continuing to collect debts from a person that is exempt from there debt collection CFPB Case No. XXXX, XXXX they were given this notice This will serve as your legal notice under the provisions of federal and state law, the Exempt Income Protection Act ( EIPA ) and the Fair Debt Collection Practices Act ( FDCPA ), to cease and desist all communication and collections with me in regard to the debt referenced above. they are voilating the cease and desist of all communication and collections with me in regard to the all debts they will be sued under the he Exempt Income Protection Act ( EIPA ) and the Fair Debt Collection Practices Act ( FDCPA ) if they continuing to try and collect any and all debts from XXXX bank XXXX national services inc can not contact me any more for any debts I am exempt from there debt collection which they do know that I am but keeps triyng to collect on other debts that are exempt from there debt collection ARS national services inc already knows that I am exempt from debt collection why do they keep trying to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: KS
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:
Called multiple phone numbers, I never get transferred to CSR. Automated recorded voice, " I can't get you to a specialist right now. I'm only able to transfer people in limited circumstances. '' So, apparently to experian as a consumer my call is not important. XXXX! On XX/XX/2022 My credit score was XXXX. On XX/XX/2022 Experian decreased it XXXX. WHY????????????? Nothing has changed. I still have 6 accounts, all accounts are paid on time, No account has been closed, No new accounts have been opened, My 3 credit cards are paid to XXXX  balance every month. My debt has decreased on 3 student loan accounts. Once AGAIN! I'm filing another dispute against Experian for decreasing my score!!! I want my XXXX added back to my score! I'm pretty sure my credit score would be way over XXXX if I had all of my points back that Experian has stolen!!! I'm constantly disputing this HORRIBLE/DISHONEST/DISCRIMINATORY company!! My Credit Reports and Scores are EXCELLENT with XXXX and XXXX!! Although, absolutely, no change on the consumers ( my ) behalf. Experian is a company that is purposely, lowering consumers credit scores ; so, they are forced to pay higher interest rates when they apply for a loan. Experian does not provide info or proof ( a cut and paste letter of reasons it can drop ) of why there was a decrease in my credit score. Those reasons do not pertain to my credit score. How is this 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 2022-06-09
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-06-10
Company: Early Warning Services, LLC
State: FL
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:
Greetings. 

I've been sending disputes since XX/XX/XXXX, and on XX/XX/XXXX, I sent in my most recent dispute to Early Warnings Services regarding XXXX  XXXX XXXX 's claim that check fraud has been committed. Within the dispute I have included all the required and supporting documentation : Identity Theft Affidavit - FTC Complaint Number - Copy of Photo ID - Police Report - Explanation Letter. 

I received a response through email from Early Warning Services on XX/XX/XXXX and they have not removed the requested information of check/checking account fraud by XXXX XXXX XXXXXXXX XXXX Which again was a result of identity theft. I have provided the necessary documentation to prove so and they are violating my rights by not removing said information from my Early Warnings Report. 

I will upload the docs on this claim. 


Early Warnings Services & XXXX  XXXX XXXX must provide proof that this was not Identity Theft If not they must remove information, please CFPB look over this claim. 


FTC Claim # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My vehicle was repossessed on XX/XX/2022 as at the date of repossession ; my unpaid payment amount was {$1700.00}. My monthly payment was {$1000.00}. I was shocked that Nissan Motor Acceptance Company LLC XXXX XXXX XXXX XXXX, Texas XXXX my vehicle. Secondly, when I called the customer representative, after the vehicle was XXXX, I was told that I will have to pay {$450.00} repossession fee to get the vehicle back, if I make the payment within XXXX days. If I am unable to make the payment within XXXX days and the vehicle is taken to auction, I will pay additional {$150.00}. I made the payment on XX/XX/2022, less than XXXX  days from the day the vehicle was repossessed ; the vehicle was never taken to auction. Nissan Motor Acceptance Company LLC, still, forced me to pay the addition {$150.00}. 
I am requesting that the repossession fee of {$600.00} be refunded to me, at the minimum {$150.00} be refunded.

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: 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:
SERIOUSLY DELINQUENT STATEMENT ON REPORT BY XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: TN
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, and Experian are all reporting inaccurate information on my credit profile, which is causing major damage to my credit history. The credit bureaus have stated they did a thorough investigation, but I find that hard to believe because I am still finding inaccuracies being reported. They are reporting different information, and this is illegal. If an accurate investigation was done, why are the account balances, dates of last activity, high credit limits, monthly payment balances, and account numbers different from the other? Shouldn't they all be reporting the exact same information if it was deemed accurate and properly investigated? I have attached screenshots along with the inaccuracies I found are highlighted. I am requesting the following accounts be removed immediately due to inaccurate reporting, proving the credit bureaus did not properly verify the inaccuracies that I have recently disputed.

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 2022-08-01
Company: EQUIFAX, INC.
State: TN
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:
Equifax, XXXX, and XXXX are all reporting inaccurate information on my credit profile, which is causing major damage to my credit history. The credit bureaus have stated they did a thorough investigation, but I find that hard to believe because I am still finding inaccuracies being reported. They are reporting different information, and this is illegal. If an accurate investigation was done, why are the account balances, dates of last activity, high credit limits, monthly payment balances, and account numbers different from the other? Shouldn't they all be reporting the exact same information if it was deemed accurate and properly investigated? I have attached screenshots along with the inaccuracies I found are highlighted. I am requesting the following accounts be removed immediately due to inaccurate reporting, proving the credit bureaus did not properly verify the inaccuracies that I have recently disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-10
Company: EQUIFAX, 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:
It has take said company more than 60 days to respond to prior complaints they arent reading the complaints they are using a system generated AI platform which the systems is deems it correct information. the XXXX XXXX XXXX I have asked the company to stop calling me to seized all contact me back XXXX. However, I am still receiving threating alerts from the credit card companys credit alert. Stating my credit score has gone done. even though they have charge off the account and written it off as a tax right out. This has caused me great stress health issues. I have called the XXXX XXXX was told the card was reopen and cancelled again XX/XX/XXXX previously it closed in XXXX. Account has been charged off and is a violation of my rights. 15 U.S C 1681 section 602 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 account without my 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 competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The Credit reporting agency is showing incorrect information account has been closed and charged off but is showing a late payment status of XX/XX/XXXX this is false information. Name on the card is incorrect. My Name is XXXX XXXX XXXX not XXXX XXXX XXXX this is a violation of my rights and is inaccurate if this account is not removed, I will seek legal action against XXXX XXXX and XXXX for misleading information 15 U.S. Code 1692c - Communication in connection with debt collection. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: U.S. BANCORP
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/22 My XXXX and my USBank Account was hacked. Sending a charge of XXXX Dollars to someone through XXXX, and a charge of XXXX through XXXX. I immediately changed my password on XXXX and called USBank to submit a claim as fraud. I didn't even have to lock my account because USBank flagged it immediately as fraud. I was informed it would take XXXX to 90 days for my dispute to be solved. When I called a week later to check up on the status of my claim, they informed me that they admit it was fraud but that my request was denied, and I would receive a letter in the mail if I disagreed. XXXX dollars is my livelihood and USBank has not worked with me at all in trying to investigate this very clear act of fraud that they ADMITTED TO. I have called USBank 8 times since this all started. I have gone inside 4 USBank to try to talk to a personal banker or someone who can do some further investigation. Even setting up another account to transfer my money to as been completely unprofessional. The response is always there is nothing that can be done ; they're not in charge of that department. On Tuesday XX/XX/XXXX I went into two more bank branches the same treatment of dismissing me with the words there's no number I can call, only an email. I've emailed the Fraud department about my concern, no reply. I have been a loyal customer of USBank for years and to be treated like that amount stolen from me doesn't matter is absolutely ridiculous. I have not been asked any questions to further the investigation, I have not been called or treated with any respect. To have to find out my request was denied while also admitting to fraud is completely illegal. I am going to go into a bank branch every single day until I get my money back. I will call and call until someone speaks to be about this issue and can explain how money I never authorized can not be returned to me. I called the very same day it was taken from me. I reached out to XXXX there's an investigation going on there as well. I have contacted XXXX 's chat agent twice on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX about the matter of disputing the XXXX sent over from my bank account over to another user. Whoever hacked my XXXX must have accidently sent the money to the wrong user because that user is my roommate. She forwarded the money back to me. XXXX claims to dispute that the money should have never been sent they need to contact the user but have not done so. I am a single woman trying to support myself and I can not have all of my savings I've worked hard for years to be taken in just one day, and to have these companies say they can do nothing about this issue.

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