BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: EQUIFAX, 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:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the items as soon as possible : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$1000.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$23000.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the items as soon as possible : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance XXXX {$23000.00} XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: Foris DAX, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
This all began with a message sent to me through my XXXX  account by a woman named XXXX XXXX 
XXXX XXXX XXXX XXXX.

Eventually she gained my trust to start a self-directed crypto investment account on Crypto.com and Crypto XXXX XXXX. Both of which looked totally legitimate. She was
promising to teach me how to invest in crypto currencies to make profits. She had me start very small with XXXX experiment, which yielded a gain of XXXX. After this I was talked into taking my government Thrift savings account and putting it to work in the same manor. Since I had retired last XXXX XXXX, I could move all my XXXX  monies, XXXX out and into what I thought was totally a safely guarded account of my own on Crypto.com and then XXXX XXXX that I was sole ownership of. After
another set of transactions where I gained 25% profit, she encouraged me to up the amount of earning by taking some loans out that supposedly would be only used for the short term and I would be able to pay back on the short term.
 
These loans amounted to XXXX  on a XXXX XXXX, and XXXX on a home equity loan. Once these came through, I moved them into the same account and waited for her to show me how to make the investments earn profits as before. That didnt happen of course, and she has been quite ever since. My account still shows that I supposedly have all my money there, but now when I go to transfer back, I get a message that
says my funds have been frozen and to contact customer service for processing. When I open the online window and ask for help, there is only one reply which is "How may I help you?"  I then ask for problem resolution and there is never a response to what ever I ask. 

This fraudulent scheme used Crypto.com and Wallet to transfer unwittingly to a supposedly secure self-directed crypto wallet that I thought was using Crypto.com XXXX XXXX, when in fact my funds were sent to this url: XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a home warranty through XXXX XXXX XXXX ( XXXX  ) contract # XXXX with coverage for HVAC breakdown. During a heat wave this Summer, I opened a ticket for broken AC. XXXX approved the ticket ( covered item ) and sent a XXXX. The XXXX would not fix the issue because he said he was new and did not know how to fix the problem. I called XXXX several times waiting on long holds. The rep did not speak XXXX well and kept reading scripts, but not listening to my complaint. I wanted another XXXX to be sent out to fix our AC ( our family had to sleep at our neighbors house due to 95 degrees in our apartment ). I called back a few more times, getting different reps that also did the same thing, no help. I finally called a local XXXX company and they came out and fixed it the same day - I had to pay a hefty charge. I called again to XXXX  to ask for reimbursement, was given a " supervisor '' who said my claim was closed and I owed them the {$75.00} deductible for the contractor coming out. I refused to pay it since their contractor said he didn't know how to fix it and they wouldn't send another contractor. The supervisor said they would send me for collection if I didn't pay them. I told them to cancel the warranty altogether, which also was refused. I stopped the auto pay from my checking account the next day. I do not owe them - they have very DECEPTIVE ABUSIVE PRACTICES to avoid paying a claim, and not providing me any options to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: LA
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:
These are fraudulent and inaccurate items are on my consumer report. I havent received anything regarding these fraudulent accounts, yet they remain on my report. Someone has stolen my identity, and I have also made filed a complaint witht the police officer concerning this matter, as directed by the represented of your company they also told me to send this FTC paper which is attached. These fraudulent accounts must be removed as they are not mine and are identity theft. I am trying to get my house, so my lender told me they can not be in a dispute they need to be removed, so please remove them as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: WELLS FARGO & COMPANY
State: TX
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/XXXX I received an unauthorized XXXX transfer for {$3000.00} from my sisters account. I returned the {$3000.00} same day via XXXX using her phone number. She did not receive the {$3000.00} from XXXX and filed a claim with Wells Fargo. 
On XX/XX/XXXX Wells Fargo takes {$3000.00} out of my bank account and credits my sisters account {$3000.00}. WF did not notify or contact me in anyway regarding the removal of every dollar I had. They did not investigate into my sisters account being hacked ; they simply took the money from my account. I had already sent/returned the {$3000.00} same day. When I filed a claim with WF ; they denied and said the funds were used. I disputed that saying they were not used, but returned to my sisters account but possibly intercepted by whoever originally sent the money. They have been " investigating '' my case for over 30 days. I am constantly given the run around by WF. I call regularly for updates hold for hours and they tell me they are still investigating and will call me back. NO ONE HAS CALLED. 
They took {$3000.00} out of my account leaving me overdrawn for over a month!

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 2022-12-13
Company: Foris DAX, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX who posed as an agent that worked in XXXX XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which were transferred from my wallet -- utilizing theiXXXX XXXX XXXX XXXX services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Mr. Cooper Group Inc.
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage got transferred to a new company. I went to set up automatic payments and get caught up on my loan payment. I set my XXXX time payment for immediate payment and my auto pay for The next month. I got double charged immediately. They carried my auto pay over without telling me. I told the company to stop or cancel payment while it was pending and they refused. They said I have to submit my account statement for a refund. I can not get that until next month. They charged exactly when my statement was released and would not show the double charge until next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the items as soon as possible : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance XXXX {$23000.00} XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$1900.00} XXXX XXXXXXXX XXXX XXXX XX/XX/2022

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 2022-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2022 I sent in a payment to Capital One trying to pay the account in full. The payment was denied and they closed my account XX/XX/2022. I called back and tried to remedy the situation and they declined to reinstate my account. I have excellent payment history and was simply trying to attempt to pay the account in full. Since then I have paid the account in full and there is a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: SANTANDER HOLDINGS USA, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are hard inquiries on my credit reports that i did not authorize. I am a victim of identity theft. I have attached a copy of my police report. I ask that these be removed from my credit report immediately. 
The inquires that i did not authorize are : XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXXXX/XX/2022, SANTANDER CONSUMER USA XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/XXXX - paid off a lease buyout for {$11000.00} for a XXXX XXXX XXXX that had a lease maturity date of XX/XX/XXXX. 

XX/XX/XXXX - submited odometer reading document and fedex account number to hyundai motor fiance as requested. 

I have called customer service and the lease end dept literally every day sincenpayingnoff the buyout to ensure I had done everything I was suppose to and that there would be no issues or surprises. 

XX/XX/XXXX - XXXX was told that the title was to be released and mailed overnight with my XXXX account number on Friday, XX/XX/XXXX. I would recieve no later than Saturday, XX/XX/XXXX. 

I did not receive the title on XX/XX/XXXX. 

Instead on XX/XX/XXXX when i called to request a tracking number, i was told it woudlnt be mailed out until Monday, XX/XX/XXXX. 

Title was notnmailed on XX/XX/XXXX. On XX/XX/XXXX i was then told that titles are only mailed Tuesday and Thursday. 

I was then told my title would go out overnight from my XXXX on XX/XX/XXXX and i would receive XX/XX/XXXX absolutle latest. 

It is now XX/XX/XXXX and still no title has been overnighted to me. 

From XXXX I have called multiple times every single day to ask for updates, a tracking number, stslatus of title etc. 

I have literally been told conflicting information by every single time. That includes the time I was told on thing by a rep then transfered to a supervisor who gave me the exact opposite on THE SAME CALL! This happened during two different supervisor calls. 

During this time I have also been hung up and cursed at by a supervisor who was responsible for taking escalated calls. His name was XXXX. 

I have been lied to. 

I have lost multiple offers to sell this vehicle due to their continued failure to deliver on the promise of having the title to me by specific dates. 

I was offered $ XXXX for this vehicle by XXXX that was good up until the day after I should have received my title on XX/XX/XXXX. The offer as of today has gone down to {$15000.00} and will likely expire before I get the title if I ever do. They have cost me XXXX XXXX XXXX thus far. 

I have sent at least 30 emails requesting a update and tracking number with ZERO responses. 

Customer service refuses to help and states they have no way to contact the title dept. 

This complaint is my last resort to get any type of hopeful resolution

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: VA
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 in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: WI
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 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. 

XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records : XXXX XXXX  Bankruptcy XXXX Inquiries : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Name XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX Public Records : XXXX XXXX  Bankruptcy XXXX Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Collecons : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records : XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation