BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have an account with Wells Fargo and have never had any issues, however, I was the victim of fraud recently. The company, when contacted, is refusing to help and purposely providing me with misinformation. On XX/XX/XXXX I finished using the gym for a few hours and picked up my bag with my phone in it- I noticed notifications from XXXX about recent account activity. I checked the activity and it showed a cancelled transaction from a XXXX XXXX for {$370.00}, and Completed transactions for the same amount from a XXXX XXXX ( {$370.00} ) and and additional {$100.00} for a total of {$470.00} money stolen. I do not know these people and have never heard these names in my life, and the money that was taken caused me great distress. I went on social media and noticed other people in the area reported that this individual ( XXXX XXXX ) has been hacking peoples accounts and to be on the lookout. Seeing this, I contacted my bank shortly after and they agreed to open a case. They said there is no need to file a police report and instructed they will call me within several business days. The next week ( XX/XX/XXXX ) I called back since I never received any updates as was promised. I spoke to a reporesentative and he stated the investigation was complete- they denied my claim due to them determining it was an authorized transaction which is not correct, I asked to appeal this under Regulation E as was advised by my employers legal advisors and they stated the following : Sorry, XXXX XXXX are not protected under Regulation E. I asked This was unauthorized. Are you saying fraudulent XXXX transactions are not protected even when unauthorized? And the representative stated, That is correct, sir. He said the only way to have this reopened is to write a formal letter and send it via post or fax it, but even then he does not believe this will be looked at. This attitude and the way this was handled is an infringement of our rights as consumers and makes us feel we have no protections when it comes to banks, they simply do not want to help. I am deeply frustrated and disappointed and would like your assistance with a resolution to this. They make this very difficult for an everyday person to manage and outright dissuade and misinform rather than escalating or looking into a case of fraud further. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX XXXX XXXX  Credit card is reported as CLOSED on XX/XX/XXXX to TransUnion however it was XXXX days late reporting closure on XX/XX/XXXX instead of the prompt mandatory XXXX XXXX  and FCRA required automatic reporting on XXXX As oXXXX XXXX this Closed account still has not been reported as Closed to XXXX and the last reporting was XX/XX/XXXX in willful violation of XXXX XXXX and FCRA protocols. XXXX XXXX  was required to report XXXX to XXXX on XXXX so it is now XXXX  days late. Closure was required to be reported simultaneously to every CRA on XX/XX/XXXX instead of piecemeal only after receiving a XXXX XXXX compliance complaint. Due to XXXX XXXX obvious compliance deficiencies my XXXX XXXX XXXX account must be deleted from all my credit reports permanently plus statutory damages of {$1000.00} for each and every FCRA willful violation of the FCRA against every violator.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
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:
On XX/XX/XXXX a collection account showed up on my credit report from a company called Professional Bureau Of C  for the amount of {$7200.00} showing an account opened on XX/XX/2020. 

I have sent a letter to the company requesting that they remove the inaccurate information from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
BofA closed my account after 8 years without any notification claiming I had used my credit card too much but there was no balance at all for years. I opened my account around XXXX. I have not used my credit card with BofA for years, but I'm doing some renovations and wanted to use my card now. I requested a replacement card and it arrived yesterday. When I tried to activate it today, I could not login to my app or online banking account because it said there were no open accounts. I spent 30 minutes on the phone speaking with one clueless rep after another telling me they didn't know what had happened either. Finally, one rep explains that after issuing me a replacement card they decided to close my account because I had used too much credit on my card. I explained that there was XXXX balance on my card and I hadn't used it in years. I asked what this decision was actually based on and without consulting me at all. She didn't know. She claimed a letter had been mailed to me and I should've received it last week. ( I've received all other mail without any issues. ) I asked how come I got numerous updates via the app and via email about the status of my replacement card, but that I have to call them to find out they closed my accounts without my authorization. She couldn't answer that either. I have been a customer with BofA since XXXX with no issues whatsoever ( no late payments, no large balances, nothing ). The whole thing is incredibly insulting and disrespectful. I moved back to the U.S. as an adult in XXXX and had to build my credit from scratch, despite have had my own credit cards since XXXX ( in XXXX ). I am employed, pay all my bills on time and own my house outright. I am not a credit risk - other than that I am an unmarried woman and I've been told by BofA branch staff before that BofA tries to avoid giving credit to single women, so is that what's going on here? I've spent the past 20 years doing research. Do I need to look into how many other long-term customers have had their accounts closed this year without warning? It'll be interesting to see how many of them were women and/or minorities.

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 2022-05-06
Company: EQUIFAX, INC.
State: DE
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 following accounts have violated my rights 1. XXXX XXXX XXXX  - Account # XXXX, 2. XXXX XXXX XXXX XXXX  - Account # XXXX 3. XXXX XXXX - Account # XXXX 4. XXXX XXXX XXXX XXXX - Account # XXXX 5. No Name Provided - Account # XXXX 6. No Name Provided - Account # XXXX 7. No Name Provided - Account # XXXX 8. XXXX XXXX XXXX XXXX  - Account # XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XX/XX/2017, XXXX XXXX XXXX - Banking did a charge off on a balance and closed my account. The account is listed as closed with Experian. However, XXXX XXXX  has submitted a new charge off for the same one-time charge off monthly since XX/XX/2017. My credit report says there are XXXX separate and distinct charge offs. XXXX  decreases the amount on a regular basis and submits it as a new charge. It has prevented me from getting credit and employment. I contacted XXXX  with copies of the Experian report as well as emails from XXXX  showing that I tried to pay the balance. The materials were forwarded to the head loan person. I received an email requesting the same information I had sent. I have not heard from him since. I spoke with Experian. The representative said they are all new charge offs. Can XXXX take one charge off and list it as XXXX separate new charge offs monthly for several years?

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
from- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX Dear XXXX. 

Despite my attempt to get you to remove the late fees from my record, you refuse to. 
It appears that you are all extremely ignorant about consumer law or you are willfully refusing to comply. I once again refer you to -15 u.s.code 1681 ( a ) letting you know that late payments are illegal. I as a natural person, decide what is reported and not reported on my file, according to consumer law. I am the ORIGINAL CREDITOR : ONCE AGAIN - XXXX with account number XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed additionally late payments are illegal and you are violating the right to my privacy. refer to 15 u.s.code 1681 ( a ). 
In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. 
Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 

You could have just deleted the illegal and unethical late payments and I would have been satisfied. But now due to the fact that you are affecting 35 % of my credit score negatively, you leave me no choice but to sue you. 

I will send you a certified mail- for the affidavit of support and invoice for all your violations. NOTE : Keep in mind that ARBITRATION will cost you an additional $ XXXX {$12000.00} in attorney and court fees so I suggest you pay up within 10 days upon receipt, or I will proceed as planned. 

Most sincerely, 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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
After reviewing my credit report I noticed I had late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM ACCURACY. I have never been late on a payment. This account XXXX/DEPT OF ED OPENED XX/XX/XXXX AND XXXX/DEPT OF ED OPENED XX/XX/XXXX PLEASE INVESTIGATE and provide proof with statements showing that these payments were late if proof can not be provided I demand these late payments be updated TO ON-TIME as they should be because I WAS NEVER LATE. This account is not accurate XXXX states I was late however XXXX states I was never late. This is a violation of the Fair Credit Reporting Act. 15.US Code 1681e- Compliance for Accurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
N. 1- Personal information is, real name is XXXX XXXX as it appears on social security, correct address since XXXX is XXXX XXXX XXXX XXXX XXXX fl XXXX. 

N. 2- The inquieres were not authorized only XXXX XXXX XXXX 

N. 3- Account N.2. That purchase was disputed at the Florida Deparment Agriculture and they did not comply with what they agreed with this department. XXXX / XXXX XXXX XXXX XXXX. 

N. 3- Account N.3 XXXX  XXXX XXXX Account collentions XXXX XXXX that account has already been claimed by the licensed XXXX XXXX and they are placing it with another name ... XXXX XXXX I do not recognize it .... XXXX XXXX XXXX was claimed in the three companies by lawyer XXXX XXXX. XXXX XXXX   XXXX {$1700.00}. 

N.4-XXXX XXXX is the company with which I have the house loan. The company XXXX  reported me late payments in XXXX, XXXX and XX/XX/XXXX and I was protected for three months under federal law for people who were victims of Hurricane Irma and I was a victim of Hurricane Irma. I want to change the status that appears on my credit for payments made on time. 
In XX/XX/XXXX I applied for a foruobance program with XXXX XXXX  and was eligible for the program and the house mortgage payments were different and authorized by XXXX XXXX, this program with the coronavirus spread. I have reported with the Experian credit bureau late payments from XX/XX/XXXX and continuing. I want to change the status of payments for payments made on time N.5- The XXXX student loans appear divided into four, it seems to me incorrect, only one total should appear and they are still not authorized to charge me, therefore I want them not to be until they are authorized. 

Very Thank for helpmy

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 2023-12-11
Company: Freedom Mortgage Company
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Fees or costs after closing

Complaint:
Reference the attached Mortgage Statement from Freedom Mortgage from XX/XX/XXXX shows a payment due of {$940.00} with XXXX balances for late fees and escrow. 

Reference the Final Payment attachment, {$940.00} was paid to FM on XX/XX/XXXX bringing my balance to {$0.00} for the mortgage. 

Reference the FM Fee attachment, FM requested, and I paid {$28.00}, in fees on XXXXXXXX Not really sure what that was for but it seemed like it was worth it to get FM to close out the loan and give me a canceled promissory note, updated deed of trust and certificate of satisfaction. FM has provided none of these. I would like a refund of {$28.00} or at least a description of what I paid for. 

Reference the first unsolicited Payoff Statement from FM dated XXXX XXXX, FM sent me a Payoff Statement showing that my final payment of {$940.00} was placed in " Less Unapplied Funds Balance of - {$940.00} and listed a Total Payoff Due of {$1600.00}. This document clearly illustrates that FM received my final payment and just didn't use it to make my final payment as listed in the attached Mortgage Statement from FM. I asked FM why they are you asking for {$1600.00} for a loan that has been paid in full? 

Reference the second unsolicited Payoff Statement from FM, it still shows that I have an unpaid principal, adds late fees to a loan that has been paid in full, adds Additional Items Due without explanation and no longer accounts for my payment in XXXX of {$940.00}, and requests a Total Payoff of {$1800.00} for, again, a loan that FM 's own records show has been PAID IN FULL. 

I asked FM tp please provide an explanation for why you are asking for additional money, what the fees listed in the Payoff Statements are for, where did my final payment of {$940.00} go in their last iteration of a closeout statement. I also asked that they lease provide a written response and a senior POC and phone number that can explain this mess.

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 2021-04-16
Company: EQUIFAX, 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:
Equifax Dispute P.O Box XXXX XXXX, GA XXXX To Whom It May Concern, I sent a letter to you disputing accounts as erroneous on ( XX/XX/2021 ) and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on ( XX/XX/2021 ). It is now ( XX/XX/2021 ) and I have not received a response from you. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
Enclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all the accounts I have disputed. 
US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) DEPT OF ED/XXXX  ( xxxxxxxxxxx XXXX XXXX Thanks in advance to your timely response to this request. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I live with someone else. This is the second time Since XX/XX/2018 my account information has been co-mingled with our living partners. I have requested twice a validation of Debt in writing with no written or electronic response. Under the law [ FCRA/FDCPA ], this alone proves the debt is NOT MINE. This greedy " corporate '' entity is still trying to take advantage of people during COVID-19 an collect money from sick people who have little health coverage during the pandemic. The account they have been trying to collect from, is from a bank I have been a member of a credit union since before then. Very uncooperative when trying to call on the phone and explain their mix up, I don't have time for this as they reduced hours at work since the start of the Corona virus outbreak. It is such a RipOff the have XXXX XXXX have complete access to all the consumers credit reports and then try to force them to pay for debts that at not even theirs. They say I owe {$100.00}, I say I owe {$0.00}.

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 explanation
Consumer complaint received 2019-01-29
Company: ALLY FINANCIAL INC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ally from XXXX PA unlawfully submitted a loan on my behalf. I never applied for a loan with them. ally claimed that they had incomplete information on my personal records but still reported to the major credit companies that I applied for a loan, that I never authorized. Without my authority and without ally having any information on me they gave the credit bureaus fraudulent information against me. They sold my information to credit companies. They hired staff to harass and stain my credit history. ally is in the business of selling fraudulent information. the letter enclosed proves 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