BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items offof my Credit File as soon as possible : 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 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2022-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Im submitting a claim to you all about XXXX XXXX thats located in XXXX Indiana. I currently have a used XXXX XXXX XXXX I purchase from the used car lot, back in XXXX  I had the car for a few years. I keep up with the maintenance on my vehicle when it was needed. In XXXX  I had my XXXX XXXX so I figured I should XXXX back into the XXXX. So I travel a lot with my vehicle come XX/XX/XXXX, my family and I was traveling to the base for military duties, and after leaving XXXX XXXX for an oil change my vehicle Engine went completely out on the highway I feel embarrassed afraid and stressed out and Im still facing XXXX XXXXfrom traveling due to this incident. My husband and XXXX  XXXX  stay on the highway for 3 and a half hours waiting to get a tow. Once we made it home safely I XXXX a recall for my vehicle I found the engine for all XXXX was going out there was a major recall on them. I called to set an appointment for my car to be seen and get another Engine. Its been very challenging for us these past few months to get around. Today is XX/XX/XXXX, I havent got the new engine I have creditors calling me daily to pay my notes, however. I Suffer financially from our vehicle bed and I have them process it without it being repaired so I cant pay anything or anyone my husband does his best to pay for everything alone. Since I dont have transportation I send a letter to Capital one. Stating 15 U.S. Code 1692d - Harassment or abuse. I give them 10 days to respond by writing I still havent heard back from anyone. Ill like the car Repair to be removed from my credit also have my title and my down payments and notes I pay back in my hand for false information about the vehicle.The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

amount : {$8500.00} After finance amount : {$15000.00} Monthly : {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I receive sometimes multiple calls a day from this number XXXX either as Name Unavailable or Receiveables. They do n't leave a message. Ringing my phone is very frustrating as I have an XXXX parent who may be trying to call me so I need to check the phone each time it rings. Please stop this nuisance!! And please insist that companies that accept credit applications CONFIRM the phone number before thay issue the credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached 2 FTC reports with accounts and fraudulent inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a checking account with TDbank back in XX/XX/2019 and at the time TD was not charging international transaction fees and that's one reason I opened my account with them. XX/XX/XXXXthey charged me two fees XXXX for international transactions and another XXXX for what they consider international transaction. I called them to dispute it and they said they started charging in XX/XX/XXXX. I am prejudiced by lack of prior notice and was not afforded a chance to close my account before they start charging.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-12
Company: Innovis
State: OH
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 have found several address and numbers that do not belong to me on my credit file. I am looking to start my own company soon and I need my personal information to reflect the correct and accurate data. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX please delete the following cellphone numbers they are not mine : ( 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 2017-05-31
Company: EQUIFAX, INC.
State: NY
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 found recently that is an account has been reported to my credit file and its not even belong to me, i contact with company to find out but i found poor respond from their end this account is not belong to me and its damage my financial life,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company calls our business daily.  When you answer they hang up. You call them back and they are asking for a person that does not or has ever worked here.  I have asked them repeatedly to take our number off of their call list.  XXXX 
They have called XX/XX/2015  XXXX
XX/XX/2015  XXXX  XXXX  XXXX
XX/XX/2015 XXXX
XX/XX/2015  XXXXM

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Receivables Performance Management, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
These people called several times and when I finally returned the call they called themselves Receivable Performance Management ... when I asked about why they called they asked if I was XXXX XXXX ... they then asked to verify my personal info like address and social security number ... I refused to provide them with it ... they then put me on hold for an extended time ... I owe no one and am up to date on all my legitimate credit accounts and have done no business with anyone in years and years outside the current accounts I have ... I want these people to identify what they want and contact me via mail only ... then leave me XXXX alone ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Lockhart, Morris & Montgomery Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have a few creditors on my report thats Hindering me for roughly XXXX I send it to All three of the bureaus. Only for the same student loans and private loans to be on my credit files. Ill like them to be removed ASAP. Its false information. I also will like my address to be removed as well as misrepresented of the person I am I dont want to be contacted about any loans that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: ALLY FINANCIAL INC.
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX, 2016 at around XXXX, I submitted a Fed money wire of {$18000.00} via XXXX XXXX website to XXXX of my online savings accounts at Ally Bank . I received via the XXXX website a completed wire conformation with the the federal reference number. On Monday, XXXX XXXX, 2016 I contacted Ally Bank since the money was still not in my Ally savings account. The service rep at Ally showed no pending wire transfer activity and also checked with their wire department at my request. They found no activity. 
This same day I contacted XXXX and they said their records reflected that the {$18000.00} was delivered to Ally Bank. I then asked and XXXX agreed to arrange a conference call with Ally Bank to try and determine the cause of the problem. We confirmed the that the routing number and account number were correct. We ended the conversation with Ally Bank, since they still showed no money transfer activity from XXXX into my account ( at AllyBank ). 
XXXX was very helpful and said they would try and find out what happened and if Ally Bank had rejected the transfer, it would take XXXX days from XXXX XXXX for XXXX to see it. The XXXX management rep said he would pursue it further and would call me in the afternoon of the next day. 
The next day XXXX XXXX, 2016, XXXX contacted me and said Ally Bank had in a fact rejected the transfer. I was told that the apparent reason for the rejection stated, unable to apply to account due to incorrect routing number and or account number. We had already confirmed that all the routing and account numbers were correct- so the reason for the rejection was incorrect. That same day XXXX sent another wire of {$18000.00} which was delivered into my account on XXXX XXXX, 2016. 
I again called Ally Bank and spoke to another supervisor who took my information and gave me a case # XXXX. He still could n't provide me with why the original transfer had rejected back to XXXX. I also sent an email to Ally bank customer service yesterday ( XXXX XXXX ) and indicted that if I did n't get an answer today, I would write to the CFPB. As of the writing I 've received no reply. 

All I want to know as I 've asked Ally Bank repeatedly is what was the actual reason my money wire was rejected and for them to reassure me that It would not happen again. As I mentioned to Ally Bank I had to use money from other sources because the money was not in my account on XXXX XXXX, 2016. Please help get an answer. I 've received no help at all from their customer service or customer disservice in this case. Thank you for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-03-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I noticed {$500.00} was withdrawn from my Wells Fargo checking account on XX/XX/20. I contacted Wells Fargo immediately to report the fraudulent activity. I filed a few cases with Wells Fargo and they have denied my claim. Wells Fargo has a fraud guarantee that covers all my online accounting, however they don't want to stand behind their fraud guarantee policy. They are saying someone used my username and password to send {$500.00} via XXXX to an unknown recipient.

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 2020-12-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
1. Tried to redeem rewards points into a checking account on XX/XX/XXXX. Did not realize it had to be an HSBC checking account and the application accepted my account number. Within a few minutes I realized my mistake and called HSBC to cancel the redemption. They could not and said the points would automatically go back into my account when they found no HSBC checking with that number. 

2. Received a letter dated XX/XX/XXXX saying that I had tried to redeem points into an invalid account, and the points had been put back into my rewards account. 

3. On XX/XX/XXXX, I checked my rewards account on the points had not been put back as the letter indicated. I called HSBC again, and they said they would open an " escalation '' to investigate the problem. When I called a few days later for an update, I was informed that escalations might take up to 10 business days to be addressed. I was not sure why I had to open an escalation for the points to be redeposited as the letter indicated. 

4. On XX/XX/XXXX, I called to find out why the escalation had not resulted in the points being put back into my account. After being on hold for quite a significant amount of time with the " rewards department '', I was told that the rewards " Back Office '' could not return the points, that the credit card company had to do that. I was transferred to the credit card division. After another long wait while research was done, I was told that a ticket had to be opened and escalated yet again with the " Back Office '' and that I needed to wait another week for a possible resolution to get the points I had been told were already put into my account. I told them that I had waited long enough for resolution and wanted my points payout immediately as I wanted to cancel my credit card. I was told that I would not get my reward if I cancelled. That I had to keep my card open until this issue was resolved or I would not get paid. I indicated that I was done waiting and that I did not feel confident the back office would resolve it as I keep getting sent in circles. I indicated I was going to reach out to you. I am owed {$49.00} by HSBC. I am attaching the letter they sent indicating funds had been returned to my account and they were NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I keep challenging the same accounts every month regarding the status, account information, and missed payments plus charge off information errors on accounts. I keep seeing nothing has been done or the information comes back as accurate or verified when no proof has been sent to me. This has been going on every month for 2 years with all the 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: DISCOVER BANK
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OBTAINED AND MAINTAINED A CREDIT CARD WITHOUT MY CONSENT. I HAVE NEVER AUTHORIZE FOR THE DISCOVER CARD TO BE OPENED AND MAINTAINED. THIS ACCOUNT IS NOW CLOSED, I NEED THIS ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. THIS ACCOUNT IS CLOSED, WITH XXXX BALANCE I NEED THIS ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Westlake Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I financed a vehicle in XXXX XXXX with my kids dad and it became abusive and he ended up going to jail and I no longer could afford vehicle and it was repossessed with all my belongings and license plate which I ended up getting a flag for because I could not get license plate and company sold vehicle and never turned in license plate and it accumulated a toll fee in XXXX texas because they drove through tolls with my license plate still attached to vehicle and they marked the loan on my credit as a charge off with a balance XXXX the finance company is Westlake financial and balance was updated XXXX XXXX.when I contacted them several times to update the balance to {$0.00} or delete all together because the vehicle was sold and they recieved a 1099 c from irs which means they received a tax credit so they should no longer collect from me and the irs so o feel as should they update that balance to {$0.00} and they refused and even contacted XXXX and they not doing anything

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 2022-10-09
Company: Possible Financial Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I keep challenging the same accounts every month regarding the status, account information, and missed payments plus charge off information errors on accounts. I keep seeing nothing has been done or the information comes back as accurate or verified when no proof has been sent to me. This has been going on every month for 2 years with all the 3 credit reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Experian Information Solutions Inc.
State: GA
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 reported 2 late payments on the account when in fact the account was set up on auto pay and the two " late payments '' actually did happen. I contacted XXXX and the credit bureaus and they did not change it. I also provided them with a statement showing the minimum payment was debited out of the account.

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 2020-12-24
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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