BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-25
Company: WELLS FARGO & COMPANY
State: SC
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 had XXXX XXXX Withdrew and I didn't even get any money. They just charged me when I got my XXXX put back in

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXX/XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX FRAUD/REMOVE XXXX ACCT # XXXX FRAUD/REMOVE XXXX ACCT # XXXX FRAUD/XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX INQUIRY : XXXX XXXX XXXX XX/XX/2023 FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "

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 2021-09-08
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice from XXXX stating my credit had been flagged I have, & NEVER miss payments as I have a high credit rating and knew that what they were saying was impossible.. It came as a debt they say I owed XXXX I have the XXXX account number and I knew there could be no money owed as so purchased my number and had it ported to another company over 2 years ago.. They never port, or sell a number without all accounts paid including the last bill.. I still contacted them they gave me the account number and said there was a XXXX balance as well.. After further investigation, I saw the name CONVERGENT XXXX  Mind you, I have never been contacted by this company other than to ding my credit and a look into my identity was posted..I have tried to reach them to no avail!! Its JUST UNBELIEVABLE!!! I have since discovered it is Blatant FRAUD, I am following up with you because it has been brought to my attention that others have tried as well Please get back to me, so we can not only stop these people but rectify the situation.. 
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 explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: DE
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : 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 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2019-02-09
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On, XX/XX/2019 I requested debt validation ( letter attached ) then responded with a generic letter not addressing any request ( attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or list of inquiries XXXX5 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 explanation
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 Convergent Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
State: OH
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 have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request verification of the following accounts : 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 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: JPMORGAN CHASE & CO.
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted multiple different mortgage companies to shop around for a mortgage on our new home. I already had chase accounts so I checked with them as well, I was told that I would receive XXXX bonus points on my Chase Freedom card, XXXX points on my Chase Sapphire Preferred card and {$500.00} cash back in my checking account as a signing bonus once the mortgage closed. I was offered over {$2000.00} cash back with another local company but because I already had Chase accounts and they offered something comparable I decided to start a mortgage with them based on their offers to me. The mortgage has closed and I have now not received the full offers that were made. I received the XXXX points on my Chase Freedom card and the {$500.00} cash back in my checking but not the XXXX points on my Chase Sapphire Preferred card. I have contacted chase multiple times regarding this, have emails stating I would receive the points and have yet to receive them. I just spoke with chase resolutions and the gentlemen advised there was nothing he could do because they can only offer XXXX points to only 1 account. This is not what I was told and if I would have known this or had been told this I would NOT have gone with Chase for my mortgage. These points are equal to {$500.00} in cash back or {$500.00} X 1.5 for travel and I would not have gone with chase if I was not offered these perks. They falsely advertised and are not willing to follow through with their offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions 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:
In accordance with fair credit reporting act XXXX  XXXX 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 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an 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 2015-05-05
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I recently refinanced and paid off our Wells Fargo mortgage loan. We paid our own insurance and taxes and no escrow was ever opened under our Wells mortgage. According to Wells ' XXXX/XXXX/15 payoff quote, the total amount due through XX/XX/XXXX was {$370000.00}. Also per the payoff quote, for each additional day, per diem interest of {$33.00} was required. Our transaction closed on XX/XX/XXXX, but on a refi there is a mandatory 3-day rescission period ( excluding Sundays ) before funding can take place. So the funding date for the loan was XXXX. XXXX XXXX added 7 days of per diem interest to the payoff, which made it good through XX/XX/XXXX ( {$33.00} x XXXX = {$230.00} + {$370000.00} = {$370000.00} ). The wire confirmation I have obtained from the title company reflects that {$370000.00} landed in Wells ' account on XX/XX/XXXX. At this point, Wells owed me 1 day of per diem overage totaling {$33.00}. 

Also on XX/XX/XXXX, Wells accepted an automated monthly P & I payment of {$1700.00}. Because my loan had already paid off, Wells now owed me a total of {$1800.00} ( {$1700.00} + {$33.00} ). 

Bizarrely, on XXXX/XXXX/15, I received a " Notice of payoff shortage '' letter from Wells telling me I owed Wells {$47.00}. Because this appeared to be in error, I called Wells, and after getting bounced around to numerous representatives I finally spoke to someone who said Wells would open a " work order '' and that they would issue me a check in the correct amount. 

Perplexingly, Wells then sent me a check dated XXXX/XXXX/15 in the amount of {$1700.00}. After more calls and getting passed around to a bunch more representatives I was connected to a Wells representative named XXXX XXXX, who promised to look into all this and get back to me. I gave her my work number and asked her to reach me there during business hours. She did not call. I called her and left a message for her to call me at work. She called me back a few days later, during business hours, but at home. I left her several more messages. She called me at work, but after business hours. I left her several more messages asking her to call me at my work number, between XXXX and XXXX CT. 

I have n't heard back from XXXX and Wells still owes me {$80.00} ( {$1800.00} - {$1700.00} ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-27
Company: CITIBANK, N.A.
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:
In 2017 we contracted with XXXX to replace our roof. We paid with our Citi Card. The work was not done correctly and we filed a dispute with the Citi trying to get XXXX to correct the problems. We originally received a credit for our dispute and that was later cancelled and we were billed again. We contacted Citi and had a dispute manage helping us. She agreed that XXXX needed to correct the problems and were again given a credit on the account. After years of contacted XXXX and getting inspections from an in depended contractor to document the problems XXXX agreed to correct the problem. I the mean time Citi started to send us bills and demand payment before the work was completed. After numerous calls to Citi we agreed to a payment and Citi was told to cancel the card. Citi did not cancel the card and we were billed a membership fee even after the card was supposed to be canceled. We started to get a call all in XXXX except for my name and Citi card. I do not speak or understand XXXX so I assumed this was a scam call. I finally called Citi Card and was transferred three times and was told would continue to get calls. I told the rep that I would be filing a complaint and on XX/XX/XXXX I received a letter telling me my calls would stop but they would be reporting to a credit reporting agency that the account is delinquent. This is not acceptable.

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 2023-11-08
Company: JPMORGAN CHASE & CO.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023, BY MY MISTAKE, I instructed XXXX XXXX to make an electronic payment ( {$3600.00} ) to a credit card account in my name at Chase Bank - that credit card account had been long ago closed at Chase Bank. No payment was due to Chase Bank ; I mistakenly sent the money to Chase Bank. 

I spoke to Chase Bank payment service agents on XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ), asking for a refund of the money I had sent from XXXX XXXX to Chase Bank. Both agents acknowledged Chase Bank had received my money from XXXX XXXX, acknowledged the credit card account was long ago closed, and said Chase Bank would investigate making a refund. I heard nothing back from Chase. 

On XX/XX/XXXX I sent personal email to CEO of the Chase Banks credit card business, seeking resolution. On XX/XX/XXXX I mailed a certified letter ( duplicate of the XX/XX/XXXX email ) to the CEO of the Chase Banks credit card business. 

On XX/XX/XXXX Chase Banks Executive Services agent ( XXXX ) called me to say : she had my XX/XX/XXXX email, she is my contact point for this issue, Chase Bank is investigating, and XXXX will keep me informed. 

On XX/XX/XXXX, XXXX of Chase Bank Executive Service called to say : she has found the transaction and Chase Bank is processing a refund to my account at XXXX XXXX ; the refund will be completed in 7-10 business days. 

On XX/XX/XXXX, I called XXXX of Chase Bank Exec Services and left this message : my account at XXXX XXXX has not received any refund ; please provide transaction tracking information I can provide to XXXX XXXX. XXXX of Chase Bank B did not call back. 

On XX/XX/XXXX, I again called XXXX of Chase Bank Executive Services seeking tracking information. I said would initiate a complaint with CFPB if Chase Bank did not call back. 

On XX/XX/XXXX I initiated this CPFB complaint, and provided a copy to the CEO of Chase Banks credit card business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2017-03-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I bank with Wellsfargo and I made sure to deposit enough money into my account to clear all transactions for the day ( XX/XX/2017 ). I made sure to deposit my cash before the cut off period of XXXX and at I checked my balance afterwords to show that my account balance was positive. Wells Fargo then processed XXXX ACH transactions at XXXX as part of the same business day causing XXXX overdraft fees. I believe that this may be considered malpractice as there is no way for me to deposit money into my account during the window ( XXXX - XXXX ) in which they are processing these transactions to cover the transactions. I believe that if they are going to process transactions out of my account I should have the opportunity to process transactions into my account. Also FYI, my direct deposit went into my account the next morning.

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 2020-01-29
Company: EQUIFAX, INC.
State: GA
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:
Today ( XX/XX/20 ) I called XXXX, Equifax and XXXX. I have a recorded conversation with all 3 of them that claims that when I disputed the bankruptcy on my credit report, they verified the bankruptcy directly from the court. When I followed up with the courts, they sent a letter to me stating that they DO NOT verify bankruptcies with 3rd parties like credit bureaus. XXXX, Equifax and XXXX  knowingly gave me false information in the attempt to keep this unverifiable bankruptcy on my credit report. Also in all 3 reports, the name is incorrectly abbreviated which calls for more grounds of removal. This is a clear violation my rights according to the fair credit reporting act. I plan on taking legal action against the companies if the bankruptcy is not removed from my report within the next 15 days.

Company response to consumer: Closed with explanation