BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This isn't a complaint the but the many complaints I have filed against Wells Fargo. 

Foreclosures, Foreclosures XXXX and their Firms and co-counsel. 

I have never dealt with such misinformation, miscommunication and misinterpretation from this XXXX XXXX calls Wells Fargo. No other corporation which that holds the same business license in the same capacity as Wells Fargo ever did me wrong as much as this bank has. 

I have never had a foreclosure against me. I should have sued Wells Fargo before the foreclosure. 

I pray to XXXX that the Foreclosure laws change, if and when a bank makes the financial error the loan is dismissed with prejudice. Banks to show payment, principal, interest and balance. All loan documents will have the rate on the loan documents. Any change in interest rate will be disclosed to consumer 60 months prior. No documents will be ambigious. No documents will be manipulated. 

A banker, a loan officer will know exactly what transpired and explain in detail everything about the loan and not give an excuse of " I don't know what they did. '' One should not have to go to a CPA, who they could not understand how one loan can turn into two loans. where the added interest rates came from.

We are talking about a person 's home, a person 's credit.

Can you imagine if you have to travel for you job, like federal agents, who can't be there to fix the problem or talk to someone over the phone who can't explain to the person. Banking should not be ambiguous to anyone.

I have two banks I deal with it. Nothing is ambigous to me. Everything is detailed where my money is and how it is distributed. Even with my stocks account. 

Wells Fargo is the most ambiguous and manipulative bank I have ever dealt with. Wachovia customers got screwed royally from and by Wells Fargo. We are the ones who are paying the price and suffering due to Wells Fargo 's manipulative and ambiguous ways. 

Foreclosures Attorenys and their Mills are right in line with Wells Fargo. 

All of this needs to be discussed and changed and make people whole again. That is all what " victims '' of a criminal entity wants. To be made " Whole Again! '' RICO ACT needs to be applied to MegaBanks and Foreclosure Attorneys and their Mills if it is dealing especially with the equity ointheir home. 

Sincerely, XXXX XXXX Thank you for you service and committment to making things right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: GA
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 Account # XXXX, has violated my rights. 
15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 
15USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURINSH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR AN PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
XXXX, XXXX, Experian, Have not been updating my credit reporting every 30 to 45 days I do believe this is retaliation from me filing a complaint against all three credit book bureaus and I like this problem to be fixed immediately it is preventing me as a XXXX on business from receiving funds for my business. Someone has gone in and changed all my personal information on my credit report and continues to do it in the credit bureaus are failing to report it to the consumer that this is happening to such as myself. From months I have been trying to build up my credit score and the credit bureaus were fused to report my good payment history.

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 2021-07-31
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Attn : Dispute Dept.

To whom it may concern, Im requesting validation of debt with proof of a contract bearing my signature. As of now, you have failed to do so. To report this account is illegal when disputed. 

Account # XXXX please provide all paperwork or proof. If not, delete account from the credit bureaus. 

My goal is to correct the record on file. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2021 I was in process to buy a new cell phone on XXXX website and chose to finance my purchase by way of monthly payment over 36 months. The site directed me to TD.com for approval. I was asked to call ( XXXX ) XXXX in order to complete the credit application process, which I did. After verifying my information, I was put on hold for a while and then was told that my credit application was denied and I would receive further information by mail. 

I paid for the phone in cash using my credit card. 

I received a standard letter stating denial of credit and asking me to contact TD Bank for further information within next 30 days, which I have done. by email as follows : Quote I am in receipt of your letter dated XX/XX/2021 denying credit for purchase of XXXX phone. I am highly surprised by it and also extremely disappointed at TDs incompetence in handling of this matter. 

In short, I am considered as a high net worth ( can provide the documents for liquid assets of about {$2.00} XXXX ) with excellent credit score over my entire life, never had a single overdue bill in my entire life, NO DEBTS, fully paid up home, no car loans, no consumer loans. I have two credit cards issued over decades ago which have never had outstanding balance and one decades old credit line for overdraft protection which has never been used. I have high income and have been charging between {$7000.00} - {$10000.00} per month on my credit card for decades, which is paid off in full each month. 

I do not see any reason for denial of credit based on my financials and would like a detailed explanation to show that such denial was not based on illegal discriminitory practices under the law. I am also filing a complaint to this effect with Consumer Financial Protection Bureau. 

I look forward to hearing from you. 
XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One told me to have a fraud. Somebody sends me the money, but I don't who are they and Capital One frozen all my account, and I can't get my money from my saving account. Now, I can't make a downpayment for my mortgage!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

According to my consumer report I received dated ( XX/XX/XXXX ) and I have noticed various areas in the way CRA are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted any credit reporting agencies or XXXX XXXX XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. 

These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX XXXX, Acct : XXXX, 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 2021-07-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have been dealing with Wells Fargo on accounts which were opened due to sales tactics in the aftermath of my Fathers death in 2010, but they have only dealt with accounts opened under Wells Fargo and not Wachovia. The representatives I dealt with were the same across all accounts and operated as Wells Fargo representatives in a post merger world. They should be looking at those accounts as well. I believe I was charged fees that drained my account and brought the balance to negatives thus accruing more fees.

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 2023-04-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: OH
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:
Equifax didnt respond back on a hard inquiries complaint ( XXXX + business days ) Complaint company hard inquiries XXXX, XXXX XXXX XXXX, XXXX,,, XXXX XXXX XXXX XX/XX/2023 and XXXX XXXX, XX/XX/2023. 

I have a fraud alert on my credit profile and didnt give no one permission to look into my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: Accelerated Financial Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX appears on my credit report last updated XX/XX/2018 for Accelerated Financial. I have reached out to them requesting information spoke with a rep name XXXX ( I think ) that said she only had 2 pieces of information that was the same information and no signed contract to provide. I asked her to remove the account from all 3 reporting agencies until she had proper information because I have disputed them 3 times which these last XX/XX/18 came back as valid. The rep transfer me over to XXXX XXXX where he states he has all the signed documents and could send them out to me. I told him to fax them and he said no and the debt will remain and he was not going to remove. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all  unverified accounts must be promptly deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There were several fraud transactions occurring through my credit card for which i have never made a purchase since XXXX XXXX. These transactions were happening without any XXXX  however keep on getting messages that transaction has been made for the same. This is being reported to CitiBank and Card was blocked immediately due to which no major mishap occurred. Although hackers are keep on attempting to make a transaction but failed due to immediate blocking of card. 

So far around 6 transactions of amount Rs. XXXX were done for which amount is reflecting in my credit account and also several failed attempt for around Rs XXXX was made post blocking of card. Also attempt of transaction were made in another currencies other than 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 2021-07-29
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I asked for XXXX XXXX  to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.

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 2023-09-27
Company: EQUIFAX, INC.
State: TN
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:
According to FCRA section 611, acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it is important that we have accurate records on file with those who rely on them most- including not just customers, but also potential lenders or employers. 
After doing some research into Metro 2 compliance standards, I have found that there may be some inaccuracies in reporting going forward if these issues are not promptly resolved. 
correctly.Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records. 
The content mentioned has never been certified to meet reporting standards. The data provided has never been verified as accurate, complete, current, or valid. In order to ensure compliance with any consumer legislation and reporting obligations, I demand that any incorrect, incomplete, or unsupported material be deleted immediately. 
Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
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: Investigation took more than 30 days

Complaint:
I asked for XXXX XXXX  to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The website for Barclays credit cards is incredibly confusing. There is no clear stated total transaction cost amount on the website. I have to personally calculate how much money will be owed on my upcoming bill, by adding up all the transactions myself. Currently I have several pending transactions and that is also not totalled anywhere. It is incredibly confusing and misleading to use this website to try and determine how much money I will owe on my credit card every money, prior to the actual bill.

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 2023-11-04
Company: EQUIFAX, INC.
State: MI
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:
hello i obtained my report and noticed some credit card accounts on there reporting as closed that im unaware of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I asked for XXXX XXXX to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: 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: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 use 1681 section 602 states I have the right to privacy 15 use 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my writing instructions 15 use 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-06-23
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation