BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX, at XXXX, I received a call from someone who said that she was from Wells Fargo and that someone had made a XXXX  transfer to " XXXX XXXX '' for {$1000.00} and a wire transfer of {$8100.00}. I don't know this XXXX XXXX. I called Wells Fargo and they canceled the wire transfer but Wells Fargo closed my claim on XXXXXXXX  and told me that they are not responsible for XXXX. Last year, XXXX XXXX chastised Wells Fargo for their lack of accountability and transparency with fraudulent XXXX claims. I want my {$1000.00} returned to my account. My life has been turned XXXX down. If Wells Fargo claims no oversight of XXXX, why do business with them? The account number that I listed in this complaint is actually my claim number for the XXXX claim

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: TX
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:
My personal information was fraudulently used to open a credit account. They used an address and phone number I've never do much as seen. I've tried to explain everything to Experian but they don't care. They claim to investigate, but that's a lie. If they had they should see I had nothing to do with the account.

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 2023-11-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Under the Fair Credit Reporting Act ( FCRA ), the account details provided below have infringed upon my federally protected consumer rights, specifically the right to have accurate information reported. 

Account Information : Account Name : XXXX Account Number : XXXX I am composing this complaint to formally dispute the accuracy of the information reflected on my credit report. According to my records, the mentioned account has been paid in full and currently maintains a XXXX balance. However, I have observed that your reporting indicates a balance of {$520.00}, which constitutes a blatant violation of the FCRA. 

This reporting discrepancy is impeding my ability to secure new credit, and I am seeking a prompt resolution to rectify this matter. Your immediate attention to this issue is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions 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:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/

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 2023-03-30
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 explanation
Consumer complaint received 2023-07-09
Company: EQUIFAX, INC.
State: IL
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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already contacted the police department about this issue and obtained a police report # XXXX which is attached. Please remove this fraudulent inquiry and account off my credit report, and send me an updated copy of my credit report. The following items should not be reporting on my consumer reports and is a result of fraud that I did not authorize : 1. This account is not mine and was not authorized XXXX XXXX : Account number XXXX 2. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XXXXPlease remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 under 15 USC 1681. 

Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXXXXXX Account # XXXX Account name : XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-09
Company: EQUIFAX, INC.
State: MD
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:
The listed accounts do not belong to me : XXXX  XXXX XXXX. Open date XX/XX/2023. XXXX {$23000.00} XXXX. Open date XX/XX/2023. XXXX {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: Bread Financial 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: Credit inquiries on your report that you don't recognize

Complaint:
I received a letter in the mail from Comenity Bank dated XX/XX/2023. It was thanking me for a recent application for a XXXX XXXX Credit Card. They were not approving the application. 

I DID NOT apply for this card. I contacted Comenity Bank to make them aware. I also filed a dispute with XXXX to have the hard inquiry removed from my credit report. 

I have also put Fraud alerts on all 3 of the credit reporting companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied to PNC Bank in XX/XX/2021 for a HELOC in our condo in XXXX. At the time of the application, we were told that the entire process would take 6-8 weeks to finish. We were constantly in touch with them and provided them will all the documents they asked for. We got conditionally approved on XX/XX/XXXX and were told that the reason it was taking this long was because of the amount of applications PNC had and not enough people to process it. We understood that and waited patiently for the final decision. 

When we initially applied, we specifically asked them if they financed condominiums and they said yes and thats why we proceeded with them. We also discontinued our process with another bank once we were conditionally approved because we were told that all our credit reports and documents were in order and that its just a matter of time for final approval. 

Then in late XXXX, the appraisal report confirmed the value of our property and we were told that the loan was undergoing final underwriting since all the requirements were met. On XX/XX/XXXX, we were then told that our building can not be financed because the commercial space in our building does not meet PNCs internal criteria ( greater than 25 % ). The hotel that is part of our building has nothing to do with our condo except that it was built by the same developer. They rejected our application after 15 weeks of going back and forth. 

In our view, this was shocking as there are several other lenders that have lent to residents in our building and the majority of our building owners apartments are financed. So, we failed to understand why PNC is unique here and more importantly why this was not told to us when we started the process. Every bank lets you know upfront during the documentation process whether the customer meets their requirements. We were told all throughout that everything looked good. We not only lost out on our HELOC, but also discontinued our other application and after 15 weeks were rejected. 

This is as bad an experience any customer can expect. PNC bank should respect their customers time and appreciate the effort it takes to provide all the documents. Had they told us upfront, we would have continued the process with the other lender that had already provided loans in our building. In our mind, there was complete disregard to basic courtesy and we will certainly not be recommending PNC bank to anyone we know. This cost us financially as well because the financing was to be used for home improvements and given the significant demand for developers, our project has now been delayed by 8 months. 

PNC bank should learn to respect their customers time and effort and have a process in place to first examine whether the building can be financed and then ask the customers for the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Genesis FS Card Services, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have received NUMEROUS ads in my email for a {$700.00} XXXX XXXX  card ... after they stated they only had {$300.00} limit cards... I spoke to someone who called after I sent an email to the CEO and she said I wasn't eligible and would take me off the list for emails ... .I continue to receive them even after I myself unsubscribed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
RE : DISPUTE : LVNV Funding LLC/ XXXX XXXX XXXX XXXX XXXX ID : XXXX Previous Balance : {$680.00} Account : XXXX account XXXX To whom it may concern : I am writing this letter to DISPUTE : LVNV Funding LLCXXXX XXXX XXXX XXXX XXXX I have called LVNV Funding LLC and spoke with XXXX XXXX at XXXX at XXXX on XX/XX/XXXX to make a settlement offer with good faith to close this account. After speaking with XXXX XXXX of my financial situation she agreed to accept the amount of {$400.00} as a full balance of the account and in addition agreed to delete the account on my credit reports. She also stated in approx. 14 days I will receive a letter confirmation that the account was settled and within 30 days the account will be delete it from all credit reports. After two weeks I received a letter dated on XX/XX/XXXX received on XX/XX/XXXX with the full balance of {$680.00}. 

I have sent a letter via fax on XX/XX/XXXX letting them know that this account has been settled and that I am still waiting for the letter. I have also let them know that this balance of {$680.00} should be an error. 

Today I checked my credit report in my XXXX account ( Through XXXX ) and LVNV Funding LLC is back reflecting with a balance of {$280.00}. 

I felt defrauded and scammed. They lied to me. I want to make a complaint and make a report these fraudulent practices they have done to me and who knows how many people out there looking for a relief like me in these difficult times when through something like this. They did not keep they're word by sending me a letter that this account has been settled and delete this account as we agreed over the phone. 

Please see proof of email payment for the amount of {$400.00} confirming the day, time that this account was PAID and was processed when I was negotiating with them. In addition to the letter letting them know that I'm still waiting from them a letter confirmation that this account has been settled by agreement. There information is not accurate and is actually a violation of the FTC. This account should not be reflecting on my credit report as they agreed to delete the account and accept the payment of {$400.00} as a full balance payment but they did not keep the promise as agreed. In the top of this I am unemployed and they knew it. 

This account should be delete it on all of my credit report and I want a letter via mail with the agreement that this account is settled for the amount of {$400.00} as they agreed and that the account have been deleted from all credit reports. 

I appreciate it all your help on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called numerous times throughout the years previous to my house being sold to inquire about my PMI still being applied.It should have fallen off long before the sale of my home. My accountant was upset about it. Was told that Wells Fargo based PMI on current value of the home opposed to the value at time of purchase. This was not fair business practice. My mortgage was purchased by Wells shortly after I refinanced it in 2011. They are not to have different terms than every other lending institution. I believe they overcharged me thousands in PMI.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Theres an article online by XXXX about a XXXX XXXX dollar settlement with Wells Fargo. I was a Wells Fargo customer from XXXX and only had a checking and savings account with them. When my funds were low and still in positive amount, Wells Fargo would put charges on hold until I actually did over draft and put the highest amount first to over draft me. Instead of paying XXXX fee of {$35.00}, I would pay multiple fees due to the way they arranged them. I know there was a settlement where they got sued for over XXXX XXXX and I never received anything from them. I called Wells Fargo XXXX and I asked them how can I get paid based on the XXXX article and they said they have no idea. Per XXXX it said to contact CFPB to see if I qualify.

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 2022-02-16
Company: SUNRISE CREDIT SERVICES, INC
State: WI
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:
A few days ago I received a letter from sunrise Credit Services out of XXXX New York they said I owed them {$110.00} for charter communications today they had called me and told me that I owe {$100.00} and want a payment over the phone I told him I do not owe that debt that I settled with XXXX communications already and that and I told him to send me proof of this debt and then he became very belligerent and threatening so I just hung up so at this point I did talk to spectrum or charter communications and they had told me that I only owe them {$40.00} I'm not behind and that I only need to make that payment when the bill comes this week and I'll be clear and free with them so obviously this company is a scam and I would appreciate if someone could investigate them thank you very much

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2023-11-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS1666b 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 response to consumer: In progress
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXXXXXX XXXX n 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 response to consumer: Closed with explanation