BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I call wells fargo XX/XX/2024 about my account that they have double charged me and in the middle of me asking a question the customer service rep hung on me. I just don't understand i been with them so long and now I'm just now having major problems with the company. It should not 10 business days for me to get my money because it took like two seconds for my money to be taken out my account. Also they need to the fees are ridiculous i will be changing banks this time.

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 XXXXXXXX XXXX account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. 

Please see this account is removed from my file at once. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX FRAUD, PLEASE, REMOVE!!!!! 
XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE, REMOVE!!!!! 

If you continue to report this information without truly verifying the information I will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within 30 days of this letter if its not removed. 


Please see this matter is removed at once.

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 2024-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Lost or stolen money order

Complaint:
I was told by a Bank of America branch in XXXX, NY that I could deposit a international check. 

I made the deposit on XX/XX/XXXX and by XX/XX/XXXX I was deposited on my account an amount way over the amount that the check had. 
I went to the branch and spoke with an account specialist and she contacted somebody else in the bank by phone and that person said they were going to substract the money and just deposit what I was supposed to get. To this date ( XXXX XXXX, XXXX ) I havent receive my money nor the check. All they send me was a copy of the original check I deposited. At this point I dont know if my honesty ended up with them stealing for me, I dont want their money, all I want is my money, I have principles and thats why I went to the bank because they deposited 3 times the amount I was supposed to get.

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 2023-12-14
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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-12-14
Company: Experian Information Solutions Inc.
State: NY
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2024-02-03
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
I ended up purchasing a car from a not so reputable dealership out of desperation to have a safe vehicle for my family. Little did I know I was signing into terms, that were not accurately provided to me and had additional hidden fees. Fast forward a few months I had XXXX unfortunate back to back situations that caused me to be late on my payments. As a responsible consumer I reached out to notify them of my situation to see if there was any assistance they could provide. Initially I asked if the payment could be moved to the back of the loan because typically thats what auto loans usually do. I was advised the company doesnt do that and all they could do is break the payments up. I spoke several times to someone, who then assured me my account was in good standing, but then I just received a letter stating if Im ever late again they will repossess the car without notice. I dont know what type of practice that is but this has been one of the worst financial decisions Ive made, I truly regret it. I provided the CEO XXXX XXXX and the compliance analyst XXXX XXXX emails advising I have a hurricane that came in my area which led me to relocate my family and that I struggled to buy food and had no electricity, the following month I lost my grandmother and did not work for a month as I went home to be with family and physically couldnt function to work on a daily basis. I provided proof via email and also had conversations with XXXX. He advised my account was current and that he was sorry I had unfortunate situations but it was nothing he could do. Now Im receiving a letter saying if Im ever late again theyll repossess the car without notice. Thats truly insensitive, I had legitimate reasons why I fell behind and tried to work something out so that they knew what was going on. I really feel the way this was handled was unprofessional and inconsiderate. Calls are recorded so it can be played back to note there was never a conversation regarding default.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my extreme frustration about the accounts on my credit report that I believe are due to identity theft. I demand that these accounts be removed immediately. The questionable accounts are : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$6400.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$450.00}, and XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$1500.00}. I already submitted a dispute to XXXX and XXXX regarding these accounts, and they have already removed them from their records. They found an error and were able to verify it. I'm confused how you've verified these accounts while the other bureaus have already removed them. Please delete these accounts from my file. They are inaccurate, erroneous, incomplete, or unverifiable. I was the victim of identity theft, and I'm not sure why the credit reporting agency is not complying with the law. The other bureaus have followed suit. I'm very confused why this one seems to ignore my requests. Your fast attention to this matter is not only crucial, but it is also your legal obligation. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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 found hard inquiries on my credit report that do not belong to me

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 2023-12-15
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is to express my extreme frustration and indignation at the persistent and utterly unacceptable inaccuracies in the reporting of my credit history. It has come to my attention that your bureau is erroneously reporting late payments on my account, despite the fact that all payments were made in a timely manner. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am astounded and infuriated by your blatant failure to accurately reflect my credit history. The late payment information reported by your bureau is unequivocally false and damaging to my financial standing. 
Cease the erroneous reporting of late payments on my account. The payments were made on time, and there is no justification for tarnishing my credit history with such inaccuracies. The negligent reporting of late payments on my account is not only damaging to my creditworthiness but also a direct violation of the Fair Credit Reporting Act ( FCRA ). I am appalled at the lack of attention to detail and accuracy demonstrated by your agency.

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 2024-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
On XX/XX/2023, XXXX XXXX XXXX put my XXXX XXXX account into collections. They put it into collections because XXXX XXXX was in a company corporate name that wasn't personally guaranteed. This account never belonged on my credit in the first place. They took my consumer information and placed it on my credit report and that's not what should have happened. 

16 CFR 313.7 15 usc 6802 Per the FCRA as a federally protected consumer I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbally and non verbally per 15 USC 6802 it is effective immediately and indefinitely. 

Since the debt is now with a third-party collection agency, it has already been charged off. As outlined in Tax Topic 431, this represents a certificate of indebtedness, which is categorized as income. It's important to note that income is not reportable on my credit report. 

" If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. '' - Tax Topic 431

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 2024-01-31
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had XXXX  auto insurance. A 6month policy. I move and change my address.right before the 6 months before it was Time to renew. I paid my car insurance up to that last month. When it was time to renew it. I canceled it and did not renew it. I got another car insurance. Now a debt collector from credit collection services at XXXX XXXX XXXX is harassing for XXXX for a car insurance that I never renewed and canceled in XX/XX/year>.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or rectify the following inaccurate accounts in my 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

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 2024-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Bank of America Prepaid Debit card department notified me twice by letter that there was remaining funds in my account. I told them I know longer had this account. I went to the branch to verify the letter was not a scam. The branch ensured me it was real. I called the number listed on the letter and verified myself and my new address so the check could be reissued to my address. Then after going through all verification they refuse to reissue my check to me telling me that I needed to mail copies of my license to them. That is suspicious. Once a customer is verified in the system you don't have to do this for employees.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This matter arises after reviewing my consumer credit report. I noticed that there were incorrect accounts and even some fraudulent information that's been reported on my Consumer credit report from XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX. XXXX, Transunion and XXXX never gave me my rights to opt out and they never asked for my permission to furnish this information. 15 USC 1681 A2 XXXX, Transunion and XXXX falsely reported information that resulted in defamation of my character. Furthermore, they have assumed this vital role and have infringed upon my rights to privacy by selling my information to third party debt collectors. In pursuant to 15 usc 1681 ( 4 ) My privacy has been invaded and damage has been done. The damages that arose were to my financial, mental health, emotional and it also stopped me from traveling to and from work. Due to identity theft this should be removed. 15 USC 1681 Congressional findings the first the banking system is dependent upon fair and accurate credit reporting. I hereby put your organization on notice and would like to inform you that I never gave consent to this reporting this report being furnished by you on my behalf. 15 USC 6802 Gramm-Leach-Bliley Act, XXXX, Transunion and XXXX may not disclose as a financial institution non-public personal information to to a non-affiliated third party unless such financial institution clearly and conspicuously disclose to the consumer in writing or an electronic or an electronic form or other form permitted by regulations prescribed under Section 6804 of this title that such information may be disclosed to such third party right to opt out. your organization neither exercises responsibility with fairness and impart impartiality nor protects my right to privacy.15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts. 15 U.S. Code 1681c2 - Block of information resulting from identity theft. DELETE FRAUDULENT INQUIRES BY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. PLEASE DELETE FALSE AND DEROGATORY INFORMATION FROM MY CONSUMER CREDIT FILE NOW, THANK YOU!

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 2024-02-01
Company: Shellpoint Partners, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I currently have a mortgage with Newrez. Prior to that it was XXXX XXXX XXXX. I recently noticed there was an additional {$20.00} charge on my paper statement. I initially assumed it was escrow adjustment, but when I called, I was informed it was a non sufficient fund ( NSF ) charge. I looked back through my statements. Sure enough my payment went through on XXXX, XXXX. They then attempted to draft my account on XXXX XXXXXXXX XXXX, in which I had insufficient funds, because they had just taken my payment the day before. I received multiple excuses, such as XXXX had the account XX/XX/year> and then Newrez took over the account XX/XX/year>. I'd like to point out my bank statement and the NSF letter I got from my bank showed Caliber home loans. I attempted to reach out to XXXX, but low and behold, the number connects me to Newrez. Or that sometimes it takes multiple attempts to go through. All excuses, no proof. I sent a statement, along with my banking documents to Newrez via USPS. Along with filing a complaint with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation