BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear CFPB, I am writing to express my extreme frustration and dissatisfaction with Wells Fargo Bank in the ongoing dispute I have with them. I recently had a 50-minute conversation with them in which they claimed to have initiated the processing of four disputed transactions and provided claim IDs : - XXXX - XXXX - XXXX While this might appear to be progress, a significant concern remains. When I inquired about whether I would be required to make payments for these pending claims next month, Wells Fargo 's response was utterly unsatisfactory. Instead of providing a clear answer, they shuffled me between multiple departments, leaving me without a resolution. Eventually, I was told that these claims are still pending due to missing documentation. 

It is crucial to emphasize that I have diligently followed Wells Fargo 's process, reporting each claim over the phone and providing all requested information based on their inquiries. Despite my full cooperation, they persist in delaying and evading the claims ' processing. Their claim that I haven't provided the necessary information is confounding, especially when I possess the claim IDs as evidence. 

This situation clearly indicates the bank 's intent to procrastinate and allow these claims to linger indefinitely. It is evident that Wells Fargo 's actions are not aligned with their purported commitment to promptly and transparently resolve disputes. Their inability to address these claims raises serious concerns about their practices and their dedication to customer service. The potential for them to profit from unresolved claims, particularly when they possess the necessary information, is both disheartening and unjust. 

In light of this distressing situation, I implore the relevant authorities to intervene and closely monitor Wells Fargo 's activities. Their behavior warrants a comprehensive investigation and appropriate measures to ensure that the bank adheres to ethical practices and treats its customers with the respect they deserve. 

I deeply appreciate your attention to this matter and your role in safeguarding the rights of consumers. 

Sincerely, 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 2022-05-02
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy CHILD SUPPORT XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$38000.00} ; U S DEPT OF EDXXXX XXXX* Balance XXXX {$33000.00} XXXX XXXX XX/XX//2022 ; 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 explanation
Consumer complaint received 2022-12-16
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account was compromised as XXXX bogus checks were deducted from my account. Reported all data to M+T Bank. Was told they had to open a new account. XXXX months have passed. Many checks are being blocked. I can not pay my bills. Bank has approaved reimbursment however they claim to have problem because my bank account has set up in my trust XXXX not tell me how long it will take to set up a new account. Need help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: IL
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 acXXXX XXXX XXXX XXXX Account 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 response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THEY REFUSE TO PROVIDE THE FOLLWOING : 1.COPY OF SIGNED LOAN AGREEMENT AND/OR CREDIT CARD APLICATION/CONRTACT TO PROVE AND VALIDATE DEBT 2. COPY OF CANCELLED CHECK FROM ME TO THE ORIGINAL CREDITOR TO PROVE AND VALIDATE DEBT 3.THEY ALSO HAVE NOT DELETED NOR REMOVED THEIR REPORTING ON MY CREDIT REPORT WITH ALL CREDIT REPORTING AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Consumer Adjustment Company Incorporated
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with XXXX XXXX  and I do not have a contract with consumer adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: PA
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Statewide Mortgage, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
After completing necessary credit corrections requested by your loan officer XXXX XXXX I was granted an approval to purchase a {$210000.00} home with a VA Loan. A day before the closing day and seller vacating the property I was informed of judgments that would preclude me from purchasing home. I should have been informed of these judgments against me before I was pre-approved for home and definitely before the seller moved out of her home.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
DID BALANCE TRANSFERS TO XXXX XXXX XXXX XXXX THAT XXXX XXXX AT CAPITAOL ONE CONFIRMED INITIATED BY CONSUMER THAT CUSTOMER COULD NOT VIEW BUT CAPITAL ONE CAN. THE AMOUNTS WERE FOR XXXX NUMEROUS OTHER TRANSACTIONS TO SAME CREDITOR AND AMOUNT WERE CONSUMATED .THESE OTHER 5 ARE OUTSIDE THOSE TRNASACTIONS AND NOT TO BE CONFUSED WITH ONES SPECIFICALLY BEING QUESTIONED.ALSO ALL THESE CALLS WERE RECORDED, THE INEPTNESS OF CERTAIN REPRESENATIVES I SPOKE IN TRYING TO RESOLVE THIS ISSUE IS BEYOND BELIEF.I LETTER WAS SENT TO PRESIDENT A COPY CONTAINED .THIS IS A NIGHTMARE DEALING WITH THESE PEOPLE. ALL THESE CALLS WERE RECORDED ALMOST EIGHT REPS LAST 2 WEEKS WITH THE CULMINATING FRUSTRATION WITH REP XXXX WHO I THOUGHT GRASPED THE PROBLEM BUT DID NOT XXXX XXXX A CAPITAL ONE IS THE REP TO INTERVIEW

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: SC
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$640.00} ; XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXX  XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX  XXXX Balance Owed : {$200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : 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 2022-05-02
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Hi, Good morning. I financed a XXXXXXXX XXXX XXXXXXXXi was paying the car but, I moved from XXXX XXXX to XXXX. I can't afford to pay the loan. & the car have some issues that I can move the car.XXXX take the car and sale maybe I owned money tickets ect.but the loan is going up every year..from XXXX to this date. the Comapny Name is ( credit acceptance financed ).

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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Reporting Act, the following accounts have violated my rights 15 USC 1681 section 602 A states that I have a right to privacy 15 USC 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instruction XXXX REPORT XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Accounts # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX XXXX XXXX  Accounts # XXXX # XXXX # XXXX # XXXX TRANSUNION REPORT XXXX # XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX XXXX  XXXX  XXXX  XXXX  # XXXX XXXX  # XXXX # XXXX # XXXX XXXX XXXX # XXXX # XXXX XXXX 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

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 2021-07-28
Company: Mr. Cooper Group 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: Account status incorrect

Complaint:
On XX/XX/XXXX we made our monthly payment by bank e-check to Mr. Cooper. 
XX/XX/XXXX - Looks like they haven't cashed my check that should have arrived XX/XX/XXXX. 
Called and spoke to " XXXX '' who said that they are now asking people to send in checks and maybe they just haven't gotten to mine yet. Made a note not to charge me a fee. 
XX/XX/XXXX - XXXX -They weren't able to take electronic bill pay this month so they will not be charging me a fee for late payment. 
XX/XX/XXXX - Followed up with a text message on their site re : XXXX Mortgage XX/XX/XXXX - Called again about mortgage and they said I should cancel with my bank and send another check. Sent check for {$3800.00}. 
XX/XX/XXXX - Talked to XXXX who said that they back dated the XX/XX/XXXX payment to apply to the XXXX payment that was MIA. I got an email saying that XXXX  thought I was delinquent. XXXX says that I am not. I am insisting that they contact XXXX  and the other credit companies to clarify. Submitted a request to the Research Team to look into any thing submitted to XXXX, will make sure that anything is redacted if necessary. 7-10 Business Days. Might take a month to see the change on the credit report. Anyone in the call center can view the case and see the status. 
Talked to XXXX XXXX and got her number and email. Emailed her XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and left message XX/XX/XXXX. 
XX/XX/XXXX Credit data still indicates that we are delinquent on payment, reducing our credit rating by 170 points. XXXX, says XXXX nor XXXX filed a case. Says that no one talks to customers in the research department, but I can email XXXX. She is now filing a case. Will get a email notice from their research department 24-48 hours from now. 
Sent an email to file a complaint- XXXX as well as to the Research Department XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM 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 XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-12-09
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:
Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 5 complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the accounts from my report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX  XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: AR
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 checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
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  In addition please provide evidence that the following items belong on my report and that my rights have not been abrogated. In the event that no record exists, please correct the inaccurate items information as quickly as possible.

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 2022-04-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I believe this company is sharing information to people with the intention of collecting debt. I had someone who I believe is somewhat affiliated with this business ( XXXX XXXX formerly of Virginia ) contact my place of business and Participate in harassing activity and intentional fraud. I believe they have done this several times over as well as having this updated beyond seven years, at this time theres a settlement in place and which Im paying on however I believe that this is retaliation to a former complaint that was filed against portfolio recovery. 

I believe they have done this for over seven or eight years and I believe that they are accessing bank accounts and checking balances and expenditures based on the information they receive from companies to collect debt. It is racketeering at the minimum. It is human trafficking for them to profit while placeing people in the disadvantaged position. I dont know circumstances to anyone from portfolio recovery or any debt collection agency be ever allowed to conduct business with anyone with access to the holder of an account under the supervision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The original creditor Citibank N.A was notified that the credit card was opened fraudulently. I have tried to resolve the issue for 2 years now. I have filled out the paperwork the bank sent stating charges were fraudulent. I had the credit bureau Freeze my reports do to this incident.

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