BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
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 fraud alerts or security freezes

Complaint:
Please remove the following alerts from all three of my credit reports : TransUnion : # XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2018-08-31
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: Account information incorrect

Complaint:
RE : Medical Collection Dispute Report # XXXX for XX/XX/XXXX Dear Sir/ Madam, I refer to the above Experian credit Report # XXXX for XX/XX/XXXX specifically medical collections as follows ; Please note that the above medical collections are erroneous and should not exist. During the time collection was placed I have an active California XXXX ( XXXX ) Insurance Coverage from XX/XX/XXXX to the present and I should not be receiving these medical bills. See attached Medical Status Report from XXXX XXXX County Eligibility Service dated XX/XX/XXXX, Case Number 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 2017-11-29
Company: SYNCHRONY FINANCIAL
State: NJ
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:
Numerous inquiries.. not mine

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have had {$59000.00} stolen from my accounts. The thieves transferred $ XXXX from my equity line and then used payroll services to pay themselves two bonus payouts from my business checking account. I notified Wells Fargo of the fraud on the equity line account and they closed my small business checking account and opened a new one. At that time the transfer from my equity line had not yet posted. They did NOT stop that transfer. They put the equity line money in the new account and that allowed the thieves to continue their crime and take the money. If they had stopped the transaction as I notified them or blocked the account from unusual transactions the thieves would not have had the money to take or posted successful transactions. The bank claims my notification was too late and that an ACH transaction ( the payroll transactions that were posted ) only have 24 hours to be recalled. My position is that is on them. The crimes happened on XX/XX/XXXX and XX/XX/XXXX. My notification of the fraud on the equity line was on XX/XX/XXXX. The notification of the ACH draws was on XX/XX/XXXX ( after the holiday weekend ) Additionally, when they closed my original bank account, they did not review posted or pending transactions with me. The payroll fraud ( 1st fraudulent payroll ) had already occurred on the XXXX and we could have identified the plan of attack if that transaction had been identified earlier. Wells Fargo fraud and claims departments have only sent unhelpful letters that simply say the claim is denied. My local bankers are trying to help, but they don't seem to have any better support or interaction then I do.

Please be advised that the FDIC may contact your financial institution or company to obtain additional information needed to respond to your inquiry or concern.

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 2023-03-06
Company: BARCLAYS BANK DELAWARE
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I signed up for a navyist rewards card for old navy at a location in XXXX on XX/XX/XXXX, I was told that there would not be any interest or other charges on it unless I made a purchase. I never received the card and didnt think about it until I noticed on my credit statement that I lost XXXX points due to an outstanding charge of {$29.00} that was increased by {$200.00} on XX/XX/XXXX to a total of {$230.00} I called Barclays in late XX/XX/XXXX or early XX/XX/XXXX and filed a fraud report and asked them to cancel the credit card, they told me I would get a call regarding my report in 2-3 weeks, I waited 4 weeks and called them mid XXXX to check on the status of my report, they redirected me to someone who asked for my credit card information, I told them I never received the card and that I was calling to check on the status of my report, they told me they couldnt do anything without my card number.

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 2018-08-31
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2017 My house burned. I had to have a public adjuster group assist in getting fair value. They took $ 30K of all monies. XXXX gave all monies to the mortgage company Looking at the Freedom Mortgage web I was given {$140000.00}. {$140000.00} - {$30000.00} = {$110000.00} Freedom Mortgage gave me $ 40K and said when done 50 % they would give more. How do I get 50 % done on $ 25 % of the monies. I fought for more. finally got it and completed 55 %. They gave me another $ 25 % and said I get the rest when 100 % done. I fought again How do I finish 100 % on 75 % of the monies. they finally gave me another $ XXXX and I am at 80 % complete. I have been fighting to get the remaining $ XXXX to finish rugs, doors, dining room floor and molding. They will not release it. My mortgage is only {$720.00} per month. In essence Freedom is holding 22 months of mortgage payments. The monies given to Freedom were about $ 40K above the actual mortgage and they did not even put the monies, that were technically mine in an interest bearing account. I take care of a homeless man and his XXXX XXXX XXXX son which also contributes to expensis All the above letters, inspections, and requests to Freedom Mortgage can be found on their web sites. I will supply anyone with the info to log in and see dates and times.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2020-03-27
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am two months behind on my mortgage payments ( I am making the full payment every month but I am behind due to a work layoff ). Wells Fargo sent me a letter stating they are putting my mortgage into a loan modification plan that will extend my payments out another 38 years. I did not ask the bank to do a modification, I do not want a modification and did not agree to this in any way, shape, or form. I have tried calling them and sent them a message through their website but I can not get in touch with them.

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 2021-02-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My Wells Fargo Savings account had {$500.00} removed on three separate occasions for a total of {$1500.00}. Wells Fargo had temporarily placed {$1500.00} in my account while they investigated. Wells Fargo informed me they are taking back the {$1500.00} on XX/XX/2021 from my Savings account. This theft occurred on XX/XX/XXXX, XXXX, and XXXX 2021. It was removed by a Wells Fargo money transfer system called " XXXX XXXX XXXX ''. I did not request or set up. Wells Fargo XXXX account. I did not transfer any money to anyone. Wells Fargo investigated and determined that I authorized these transfers. I never heard of XXXX until I was scammed. Wells Fargo allowed this to happen without my knowledge. I'm a XXXX veteran and XXXX XXXX XXXX and {$1500.00} is a lot of money to me especially in these times. I notified Wells Fargo fraud department immediately when I saw the transfers. Wells Fargo says it will take 30 days to send me the paper work stating what their investigation revealed. I don't believe Wells Fargo made much of an attempt to investigate this problem since this isn't much money to them. 
I can't understand how Wells Fargo sets up programs, without a persons knowledge, to allow transfers of money to happen. Wells Fargo encouraged scammers or stole the money 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 2022-04-08
Company: DISCOVER BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I placed a domestic wire transfer on XX/XX/2022, and until now ( XX/XX/2022 ) they are not able to see where the funds are even after placing a trace on the wire transfer. The beneficiary has not received the funds and they already pulled them from my account on XX/XX/XXXX, the day I placed the wire transfer. 

I called almost everyday to check if there has been any update, but every call it ends up being the same thing being either " no update yet '' or " we can place another update request '' and it has been those two responses over and over for the past few weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months ( passed 180 days already ) and now im having another problem they wont let me link my visa card ends with XXXX which is very frustrating cause I have still money left there, but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: EQUIFAX, INC.
State: NV
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:
Im reporting to you that i am a victim of Identy Thief and possible fraud. On or about month of XX/XX/XXXX. I pulled my credit report to check for any Inaccuracies cause I'm trying to purchase a house. I notice that on my credit reports. My name is listed numerous times and also spelled incorrectly. And also addresses that i never lived at. I also notice the i have numerous unauthorized inquiries for Credit cards and Peronal loans. And some Auto loan inquiries. I called numerous times to dipute this. Also i mailed them letters to have them removed. I just found out that my informiation. NAME, SSN, ID NUMBER AND ADDRESS and AMONGST other information pertaining to me. Was involved in the Equifax data breach of XXXX also part of the XXXX data breach Of XX/XX/XXXX. As well as the XXXX breach So basically i am a victim of identity theft due to the information that was leaked from the 3 Credit Main Bureaus data breaches. Is there anything you can assist me with to have them remove the names and Inquiries That has been unauthorized. I have placed Security freezes and Fraud alerts on all my reports. Jus to start. THIS IS A BIG PART OF ME FILING FOR BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, 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 XXXX XXXX - account # XXXX ), ( XXXX XXXX XXXX - account # XXXX ), ( XXXX XXXX XXXX  Account # XXXX ) have violated my rights. 

15 U.S.C.1681 SECTION 602 A. States I have the right to privacy 15 U..S.C. 1861 SECTION 604 A SECTION 2. It also sates a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Remitly, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I started an express transfer on XX/XX/2020, and the money was supposed to reach its destination by XX/XX/XXXX. I called their customer line on XX/XX/XXXX and XX/XX/XXXX, and each time they asked me for personal, sensitive private information ( bank statements ). After complying with their requests, they assured me each time that their partner bank had approved the information and that the money would be deposited in the recipient 's account after 2-4 hours. Money is still not available after a week. 

Starting from Friday XX/XX/XXXX, they have stopped answering calls, emails and chat. On their help page they specify to call if a pending transfer has issues, but lines only have a pre-recorded message to use their help page. Even their twitter account stopped responding since Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account status : Closed, Account Name : XXXX XXXX XXXX, Account status : Closed, Account Number XXXX 15 U.S.C. 1681section 602 A. States that I have 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. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
A Wells Fargo customer presented me with a check of approximately {$3700.00}. I checked with Wells Fargo to make sure that the funds were available. Wells Fargo assured me that the funds were available and honored the check. Wells Fargo later dishonored the check and accused me of fraud. They then took the funds from my account and closed my Wells Fargo 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 2021-08-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently filed a report with XXXX, XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I wrote to the credit bureaus requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the fraudulent information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: AMERICAN EXPRESS COMPANY
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: Other problem

Complaint:
We booked a room at a hotel in XXXX for a week, using our American Express card. Upon arrival to the room, the heater was broken and it was 11 degrees outside. The next day the hotel maid stole a pair of diamond earrings from the bathroom counter of our room. We called police and vacated the room immediately. The hotel manager charged us for the full week although we stayed two days. 
We filed a dispute with American Express under the terms of our card holder agreement. This agreement has numerous rules violated by the hotel. It also clearly states the card can not be used for illegally activity. The hotel was given 20 days to respond which they did not comply with. The consumer protection laws of XXXX make it illegal to rent rooms without heat. 
Initially, American Express sided with us and gave full credit for the charge of {$1800.00} from XXXX They later reversed this decision and recharged our account. We believe American Express compared the amount of annual business we do, vs the annual business the hotel does and violated agreement terms in favor of XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: IL
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:
I sent letters in XXXX, XX/XX/XXXX XXXX XXXX asking them to verify these bankruptcy accounts, they have sent letters saying the bankruptcies were verified by XXXX XXXX which is false because XXXX XXXX do not have these bankruptcies list on my report. I provided letters from XXXX stating these were removed in XXXX of XXXX because they could not verify that these belonged to me. XXXX, XXXX and Equifax are continuing to report false information on my report which is hindering me from buying a home and getting the credit I need to better my life. I have sent in letter from the courthouse several times stating the information is indeed not being verified by them.. A rep from XXXX even told me I need a lawyer to sign the letter from the courthouse! XXXX have disputed the information in my behalf from the credit bureaus telling them they are not reporting this information but yet all the CBA are falling saying XXXX are verifying these accounts. Ive called several times and asked them to remove them from my report and the lie and say they are being verified, even after they see the letters I sent! I want these bankruptcies removed from my credit report.

Company response to consumer: Closed with explanation