BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: BANNER CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I received a check for a job that I was supposed to start. The check was supposed to be used for materials I needed to start my XXXX XXXX from home. XXXX XXXX and associate with XXXX XXXX sent me a check for XXXX and instructed me to deposit it. I waited for the check to not be on pending status, he then instructed me that I was to buy gift card and send him pictures of the cards so he can send them to his distributors to but my computer and home office supplies. The next day on XXXX XXXX he told me that it wasnt enough money for everything so he sent me another check in the amount of XXXX. I deposited the check and waited for the check to get out of pending status and did as I was instructed and purchased more gift cards. I sent him pictures of the cards I had bought and he said he would send them in for my materials. On XXXX XXXX he then told me again that it still wasnt enough money so he sent me a check for XXXX and instructed me to deposit it again which I did. I was waiting for the third check to get out of pending status when the first check was charged back. I called the bank and told them what was happening. They informed me that they suspect that it was fraud and put a freeze on my account. That also informed me that it was a scam and the other two checks would be charged back as well. I informed XXXX XXXX about what happened. He told me it was just a miscommunication from banks and told me the issue would be resolved but it hasnt. My account will be overdrawn by XXXX once all the checks get charged back. All the funds I had in my bank for bills are now going to checks that are bad.

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 2023-07-20
Company: Experian Information Solutions Inc.
State: NJ
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 these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXXXXXX 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 2021-04-20
Company: Experian Information Solutions Inc.
State: NC
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:
This company XXXX XXXX XXXX and reporting a debt to my credit report. Below is the information pertaining to this account : Collection opened XX/XX/2021 Account number XXXX Balance {$1200.00}

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 2018-03-21
Company: MIDCOUNTRY FINANCIAL CORP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Did not received any documentation to the response the company made to previous complaint : ID XXXX. Will like documentation that support response.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has 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. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Balance : {$5800.00} TransUnion : XXXX XXXX Balance : {$5800.00}

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : This account has been inaccurately reporting. This account is reporting differently across all three credit bureaus, yet all three bureaus deem their information to be 100 % accurate. It is in fact impossible for all three credit bureaus to be correct. Payment History, Account Type, and All Lenders Contact Information both Address & Phone Number are reporting differently on this account. I demand that this inaccurate account be removed from my consumer report immediately upon notice of this dispute, as it is my right as a consumer to receive accurate reporting. 

I am aware of XXXX XXXX previous lawsuit due to reporting inaccurate or incomplete information and see that my account is also reporting inaccurate and the credit bureaus are also at fault for not thoroughly investigating my disputes!

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 2021-04-20
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Today XX/XX/21 was the last day I spoke with Pen Fed about a lost reverse payment amount of {$7200.00} and after speaking with XXXX XXXX. XXXX XXXX they said Pen Fed needs to do an investigation of the lost check with XXXX XXXX and then XXXX XXXX would look into this matter. Then I called PenFed who said their Bank XXXX XXXX said I needed to tell XXXX XXXX to initiate sending documents about what they did with the reverse check. XXXX XXXX said PenFed needed to do this and PenFed said it was against their policy to do anything. I called XXXX XXXX back and after being placed on hold my phone was disconnected. I got the impression XXXX XXXX didn't want to help and just disconnected my phone from them. Both companies to me are really incompetent and don't know how to help their customers. I have been calling PenFed credit union and XXXX XXXX to no avail for XXXX weeks. Personally I believe both companies are incompetent. I really need help in getting PenFed to credit my {$7200.00} back. Both of these companies are just giving me the run around. Also, Pen Fed is not even giving me credit for this mistake and I have a {$5900.00} negative balance and they reported that I was overlimit to XXXX I want to make sure that PenFed does not impose any fees for this problem and they correct my credit report. Thanks for any assistance you can give me. 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 2016-03-10
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is a follow-up to Case XXXX concerning Wells Fargo statement that they have not been able to get a hold of XXXX XXXX to discuss correspondence regarding XXXX. 
On XXXX XXXX I spent 2 hours on the phone and explained 5 times about the sale of my home to Wells Fargo and then finally transferred to XXXX. She gave me the fax number XXXX to fax to them final copies of the sale of my home on XXXX/XXXX/XXXX to XXXX XXXX from their lawyers XXXX, XXXX XXXX XXXX XXXX, XXXX Wi XXXX. Registered Mail. A sheet was received stating all XXXX pages and cover sheet was received. It explained the assessed value of {$86000.00} not {$140000.00}. Sale XXXX/XXXX/XXXX while they said abandoned XXXX/XXXX/XXXX to the IRS. It said I owed them {$100.00} while filed papers stated 5 times it was under XXXX allowing them to sell in 3 months and not holding me deficient for any amount. On XXXX XXXX, XXXX I called back and was on the phone over an hour and finally ended up talking to XXXX who constantly tried to get my phone number. I called on a blocked number. I would not give them my phone as they had harassed me 3 to 4 times a day until I had to have my phone removed. AND THAT WAS AFTER THEY HAD GIVEN ME PERMISSION TO LEAVE MY HOME XXXX XXXX, XXXX ... AND THEN DENIED IT.

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 2021-04-20
Company: EQUIFAX, INC.
State: NC
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:
Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent on XXXX ) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 this account 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 be investigated and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$7500.00}

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 2023-09-25
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX  a letter was sent to Synchrony Bank via USPS. The letter was formatted per and sited Fair Debt Collection Practices Act stated that the account is disputed and validation is requested. 

The letter made clear that it was NOT a letter of verification of mailing address or other information, but of validation per the FDCPA. Per that act, it informed Synchrony that they had 30-days from the date of the letter to respond, which they have failed to do. 

The letter also contained a formal request for DO NOT CALL or EMAIL, which Synchrony has abided by, which would indicate receipt of said letter.

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 2021-04-20
Company: Convergent Resources, Inc.
State: TN
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 viewing my report, I noticed negative account that I have never applied nor any communication with them. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. I don't owe this debt. This is a formal notice pursuant to FDCPA 15 USC 1692g stating your claim is disputed and validation is requested. I have never receive any documents bearing my signature, showing that I have a legally binding contractual obligation to pay your company.

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 2022-05-25
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX {$790.00} Date opened XX/XX/2020 in accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2023-02-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX XXXX XXXX by Wells Fargo On XX/XX/XXXX we have a withdraw from our business account for the amount of {$31000.00} this is the total withdraw for all my employees for this pay period. 

On XX/XX/XXXX we received a notification from one of our employees that he has closed his bank account so the funds can not be access. We contact our payroll company about this issue and requested the funds back just for this single employee in the amount of {$1200.00}. This amount was return to our account on XX/XX/XXXX. 

We issue a company check to this employee for the same amount {$1200.00} for him to cash and he did it on XX/XX/XXXX ( check # XXXX ) Wells Fargo never contact us back regarding any issues about this in XXXX. 

On XX/XX/XXXX the same check # XXXX for {$1200.00} was cashed again by the same employee ( at this time he is no longer employee ) On XX/XX/XXXX I dispute the charges with my bank ( wells Fargo ) while they investigate they credit my account {$1200.00}. 

On XX/XX/XXXX The bank withdraw the funds back again for {$1200.00}. follow by a letter with reference # XXXX " based upon our research, we have determined the transaction has posted correctly ... .. please consider your claim closed. 

I have been to the branch already 5 times to get a detail explanation why they don't understand that the check was chased twice. in conclusion always get the same response. we can not do anything about it in the branch. You have to escalate it over the phone. 

I have call 3 times to the number the branch manager give to me to escalate the complain and always end up in the same result. We can not transfer you to that department, they will call you back in the next 24 to 48 hours and I have never received the call back. I have already wait 10 business day.

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 2022-05-31
Company: EQUIFAX, INC.
State: VA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.Medical XXXX Balance : {$95.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had a credit card with XXXX XXXX XXXX XXXX Account # XXXX balance of {$6100.00}. My husband filled a XXXX XXXX  bankruptcy XXXX XXXX. : XXXX File Date : XX/XX/2018, and XXXX was part of the bankruptcy. It is still showing on my credit report that there is a balance and past due.It also says it was " written off ''. Non of this is correct.

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 2023-07-10
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:
EQUIFAX ACCOUNT # # # # # # XXXX, dispute XXXX, COLLECTION : XXXX  XXXX. please remove this account. under federal law you had 30 days to complete your reinvestigation and youve failed to comply with FAIR DEBT COLLECTION PROTECTION ACT. THIS ACCOUNT WAS ALSO REMOVED FROM XXXX PLEASE REMOVE THIS INNACURACY FROM YOUR BEREAU AS I UNDERSTAND IT IS YOUR JOB TO PROVIDE ACCURATE REPORTINGS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Discovery Bank claims that I owe {$830.00}. I've asked Discovery to send me the original contract for this account. They can not provide any documentation with signatures. They are claiming this debt is mine through a history of transactions. They have not properly investigated this account. 

In addition, they written this debt off and claim that I owe a debt they've falsly attached to my name. Please provide my signature to this debt or DELETE IT! 

This is abuse of power and this federal violations has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: NY
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. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 

XXXX Account number : XXXX 15 U.S.C 1681 section 602 A. states a consumer 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 an account without my written instructions.

15 U.S.C 166 B : A creditor may not treat a payment on a credit card account under an open and consumer plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/ ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief