BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-27
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I believe I had a Wells Fargo account from around XXXX until XXXX or XXXX  During this time I earned fairly low wages and struggled financially. Wells Fargo had a practice to maximize overdraft fees on customers and they admitted it to me when I called to address. Many times over the timespan I was with them, I would be charged multiple overdraft fees when it should have been one. They would take transactions, no matter the order they were made and make them descend from greatest to smallest number. So if you really overdraft on like a car payment, they would have 3-4 smaller transactions behind it, even if the car payment was last. I told an employee on the phone what a fraud and scam that was and he told me they did this as a service to the customer, because dont you want to make sure your rent is covered? I feel this was so shady, unethical and should be illegal. I have been waiting to hear from any class action because I heard of some but I have received nothing. Please consider this. Thanks you, 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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since XX/XX/2023, I have not been able to access my credit score and credit report on XXXX XXXX. I have spoken with multiple customer care representatives both by phone and email numerous amounts of times. I believe my identity information may be compromised by this company as it relates to personal taxes. On XX/XX/XXXX, I emailed a response to the XXXX to let them know there is no reason why the company should not be able to retrieve my credit score and credit report information from Transunion and XXXX ; because my consumer credit reports are not frozen or locked. I called all major credit bureaus ( Transunion, XXXX, and XXXX ) to confirm this. I sent copies of the front and back of my driver 's license as well as copies of my social security card and a utility bill. I still can not access the details in my account. I was told to delete and create new accounts multiple times, with still no avail. Review included illustrations for more details.

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 2020-08-01
Company: Ad Astra Recovery Services Inc
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: SC
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 sent a letter to XXXX, XXXX, and Equifax on XX/XX/2023. Its been well over 30 days, I still have not received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 need to file a complaint on Transunion I have asked them to delete XXXX   XXXX from my credit report due to wrong account Number but they refuse to. per FCRA INFORMATION HAS TO BE REPORTING 100 % CORRECT I WANT THIS ACCOUNT TO BE DELETED TODAY. 
I'm sorry for sending so many dispute / complaint on you but as a aggressive consumer I feel if I have write dispute letters to you! drive to the Post office to  send certified mail to your business and wait 30 days and supply factual documents to you then wait 30 days talking about the account has been verified. after sending you Proof is unacceptable and very time consuming. I will let you Know I just sued XXXX the other and won for violation of the FCRA I Don't want to see the reporting company such as yours But you guy 's need to step up and do your Job. I found out last Thursday in court about the XXXX XXXX   system And how it works anyone can Punch in a code and go on their merry way I will not back down even if it means filing suit But like I said I don't want that all I ask is you got do what the fcra Req.again I'm sorry for the One by one complaint with the CFPB BUT IF YOU DON'T STAND UP AND FIGHT YOU WILL NOT GET ANY WHERE. PLEASE DELETE ALL ACCOUNTS THAT IS REPORTING ERRONEOUS AND NEG ITEMS 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 explanation
Consumer complaint received 2023-12-25
Company: The CMI Group, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/XXXX - collection reported to XXXX  by Credit Management LP, XXXX, TX XXXX for XXXX {$370.00} delinquent as 0f XX/XX/XXXX. Phone XXXX. 
XX/XX/XXXX - collection reported to XXXX  by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, TX XXXX delinquent for XXXX {$1300.00} past due account XXXX phone XXXX. 
I reported dispute to XXXX  & XXXX restoration. Accounts are fraudulently opened and they are not mine. I have lived at my residence for 30+ years and have no association with these accounts reported under my name and social security.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: SC
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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-24
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I, XXXX XXXX, XXXX have addressed this complaint over the phone to only receive more Suncoast Credit Union checking statements ; XXXX statements since this XX/XX/XXXX complaint. If Suncoast Credit Union want to be nasty, and play a game ; I'll bring fraud charges against their entity, for the fraud committed against me within the XXXX XXXX I have done business with them_ under fraudulent contracts. That I was not aware of ; I don't care who runs this entity, It should not take 60 days to close out an account that was to be closed in XXXX. XXXX have violated laws under breach of contract ( s ) of each loan provided me, as well as their credit card, and for XXXX XXXX to have their staff state they can not closed account, because I owe a credit, when it is irrelevant and I was not provided full disclosure on SunCoast contracts, when knowingly that their contracts were all fraud and can be fought, have XXXX XXXXXXXX to stop sending statements, when claiming to resolved this issue at hand. The checking account does not relate to any credit card to claim a reason not to close my checking account. This is harassment, and How dare Sun Coast to think that I would allow its company to drive this matter this way. keeping my account open when it is against the law, But anything goes in XXXX. The proper way to handle a credit dispute is to place this matter in court, not applied that Suncoast disallow my acct close because of a credit card that I do not owe, because who I am, and XXXX knows who I am, and fraud me anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-21
Company: Experian Information Solutions Inc.
State: NY
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 was reviewing my credit report I noticed a collection from XXXX XXXX company, I reached out to the credit bureaus to investigate its reporting to which it has come back verified, I then reached out to XXXX XXXX  I got no response I then filed a CFPB complaint on XX/XX/18 to which I got a response saying as follows " Company 's Response Our office is in receipt of the complaint filed by Mr. XXXX XXXX. We greatly appreciate this opportunity to respond. Please be advised that the very same concerns were recently raised by Mr. XXXX in a previous CFPB complaint. As we advised previously, we can not locate the file in question with the information that has been provided to XXXX as part of the consumers complaint. We would appreciate it if Mr. XXXX could provide us with information on the specific account in question. If he could please upload to his complaint a copy of a letter with a XXXX file number and/or a copy of his credit report, we would be happy to investigate the consumers concerns further. We trust this resolves your concern. 
Now I don't have any information to provide since I don't know what this is and since they couldn't locate the file i'm unsure how the credit bureus ever did a real investigation. Like what they refer to in the XXXX Vs XXXX  lawsuit.

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 2023-11-02
Company: EQUIFAX, INC.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXXXXXX XXXX XXXX XXXX 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 2023-01-11
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian have stated that thay went and verified a bankruptcy but did not disclose where thay verified the information last time I put in a complaint with a CFPB they said that they verified it through XXXX XXXX, which is false. I opt out of any reporting from XXXX XXXX, and I have loaded a court official document, saying that the court does not report this information to the credit bureaus. This is from a third-party vendor that experience on uses to put these false accusations on my credit

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 2022-03-03
Company: Experian Information Solutions Inc.
State: MI
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:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Experian Credit Reports. The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 

EXPERIAN XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX EXPERIAN XXXX XXXX Date of inquiry XX/XX/XXXX AXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX FXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX of inquiry XX/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 non-monetary relief
Consumer complaint received 2023-02-24
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is currently with Citizens One. 
I received notice, XX/XX/XXXX that my payment, due to escrow, is increasing by more than {$200.00} per month. 
I tried to get online to check what was happening, login failed. Called Citizens One for assistance. A 10-minute call dealing with an automated menu loop, which became degraded and kept looping back to the previous menu. Hung up and called again.

This time I got a person, breaking up in the connection. Explained that I was unable to log in. She informed me they would text me a code. Since I have a landline, text wasn't possible. She informed me she was unable to help me. I let it go until today. 
Called today after getting another notice about my payment increasing. 
Called ( XXXX ) XXXX and again, continuous automated menu loop! Just kept trying different menus until I got someone. 
Explained, tried to with a poor/breaking connection, what I was asking. All a got was to apologize for the poor connection, which had to be terminated. 

My issue is that I receive a Form 1098 from them every year they acquired the account, XXXX. Under the Escrow Reconciliation, it shows that every year a balance of at least {$1100.00} is carried over. and my payments are increased!

I receive a Homestead exemption every year, which is not reflected in the property tax amount. For the last 2 years, the state has given me another tax exemption in addition to my Homestead.

I want to know who has my overage?

The State Treasurer is supposed to send back to the institution any surplus.

I have been unable to get any information about my money.

I had contacted the State Dept of Revenue, they are looking into it. 
But still unable to get anything from Citizens One! 
Franklin Mortgage had it before, they would send a check-in in XXXX for any overages. Citizens One has sent only notice of increase of payment. 
The new payment for escrow will exceed my mortgage principal payment and my income! 
I want to know where all my escrow money is going? Is the State keeping it? Or Citizens One? 
Either way, there is no way to make an {$850.00} payment on Social Security. 


Copies of letters and Form 1098 can be attached as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX 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 report ( 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! 

Accounts to be deleted : XXXX XX/XX/2023

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