BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-09
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Wells Fargo Bank added XXXXXXXX XXXX  to my new truck which I had the same full coverage as the day I bought it. The XXXX was put in the loan at a high interest rate which raised my truck payment alot and I could not afford the payment after. 
I called wells Fargo and talked to them several times in the XXXX XXXX XXXX the scammers working there assured me I need this to keep my truck. I struggled with the payment and had made 7 late payments and in MN is the bank takes those payments then before a repo there required to send a XXXX letter. The Bank violated mn law and had the truck stolen and then never sent a letter as to where the auction was. 
Months later they finally sent a letter saying they sold the truck for way less than it was worth. Come to find out they ran another scam they sold my loan to another bank and the Truck was left in my name for years waiting on Wells to settle with me. I was forced to also file bankruptcy and that was alot of money and destroyed my credit. 
Wells Fargo Used a bad arbitration place and all I ended up with was pennys on the dollar. They didnt even fix my credit report nothing. They XXXX and should be shut down They say there going to make it right and they XXXX XXXX again.

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 2021-01-21
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Tuesday, XX/XX/2021 our account was frozen we could no longer access any of our money in both XXXX XXXX and personal checking account. We have contacted SunTrust multiple times for answers they have not given us any. We have been told that there is no timeframe on when we will receive our money. We have not been given a reason why our account is frozen and in the process of being closed. And theres no way to access our money. We owe no debts to anyone so it is not a debt problem. We have had no fraudulent activity on our account. We run a XXXX XXXX and have no access to any money because it is all held within SunTrust. We were given no notice that our account was going to be frozen and then after will be put in the process of closing. On Monday, XX/XX/2021 our account was working and we were using it as normal. No notice was given but then the next day on Tuesday, XX/XX/2021 everything was unusable including debit cards and any access to account online. once again this was without any notice.

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-01-21
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXXXXXX XXXX shows account opened XX/XX/XXXX. Not possible. haven't had account with original creditor XXXX since XXXX. Never owed a balance such as this, {$3600.00}. Maybe about XXXX. I could be victim of Identity Theft. I filed dispute with XXXX, and have currently done so with XXXX XXXX but that will be with their help negotiating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I requested an update on my credit file. My request was taken lightly. Thats not what happened I disputed the accuracy of the information. The XXXX XXXX said its accurate even though XXXX XXXX received and posted to my account XXXX XXXX dollars over my limit. I sent money order receipts to prove payment with the dispute. The report was not changed.

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 2021-01-08
Company: Experian Information Solutions Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Experian Credit illegally obtained my debit card information and placed a charge for {$19.00} on XX/XX/21. This was after I paid for membership through bill pay directly from my bank account. Also I did not give Experian my debit card information, I did not give that new information to anyone, because I recently placed a fraud alert on my credit. Then Experian goes and obtain my debit card information from my bank account and place an unauthorized charge, they're supposed to be protecting me from idenity theft yet they commit fraud and idenity theft. I feel violated in the worse way. Contacted my bank immedately. Paid for membership through bill pay on XXXXI have, removed all banking services from Experian membership.

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 2023-01-22
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted regarding a debt from XXXX XXXX In XXXX or so when I was XXXX, I along with other XXXX were conned into providing our information to open up a XXXX XXXX bank account. This person ultimately opened up car loans, credit cards and more in our names. This was disputed and ultimately found to be fraud in or around XXXX and it was removed from my account. Now, 10 years later a collection agency LVNV funding is trying to collect a debt that is not mine. I informed them it was fraud and requested they verified the debt with a signed contract, any payment history, and proof they are legally allowed to collect in my state. The only thing they sent was a bill from XXXX XXXX with my now married name ( XXXX ). When they called, I told them it was fraud and the lady stated " you can pay it or you will end up in court. '' I am a 100 % XXXX veteran that is already dealing with health difficulties, this has caused additional stress that I can not handle at this time. Nobody at LVNV has tried to help, just threatened to take legal action. I was in the process of trying to refinance my home and can not because of this derogatory mark on my account. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: I.C. System, 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:
Data Breach information compromised. Don't recognize 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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters, However, I need these laws applied to my report or I will take legal action. 
15 US code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U, S code 1692k civil liability

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06
Company: Remitly, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
Victim Information : Name : XXXX XXXX XXXX Age : XXXX - XXXX Address : XXXX XXXX XXXX XXXX/XXXX./XXXX XXXX : XXXX XXXX City : XXXX Country : United States of America State : Minnesota Zip Code/Route : XXXX Phone Number : XXXX XXXX Email Address : XXXX Description of Incident : On XX/XX/2018 morning, one fake person hacked my friends ( Naming XXXX XXXX ) XXXX account and sent me a message that his mother is very ill and is in XXXX. He needs {$3000.00} immediately and he would return that in couple of weeks. 
He provided account details as XXXX XXXX XXXX XXXX : XXXX and account # XXXX. He also provided a phone number XXXX but told me not to call as he is in XXXX. 
I know XXXX XXXX from last 14 years, so I decided to help him out by sending {$1500.00} via money transfer service called Remitly via express transfer which takes place in 4 hours, but because it was early Saturday morning it did take place immediately. 
It was Saturday early morning, as the transaction did not go through and in the afternoon, I realized that it was scam as I called up the number to know the condition of my friend 's mother. 

I immediately contacted Remitly to stop the payment, but they did not take any action. I reached out to them many times after that, but they failed to take any action to stop the transaction, they have given me complaint number XXXX. 
Remitly later harrased me asking for XXXX $ more when i filed a dispute on transaction with XXXX XXXX XXXX. 

I contacted XXXX XXXX customer care, but they asked me to contact XXXX XXXX XXXX instead. 

I contacted XXXX XXXX XXXX on Saturday and Sunday, but they told me that they can not file a dispute unless the transaction goes through and as soon as that happened they have taken the case and launched the dispute. The Case ID # XXXX.On XX/XX/2018 XXXX XXXX XXXX declined my claim stating that as I initiated the transaction i have to bear the charges. 


I will be extremely grateful if you can help in take any action and recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I just sign into my email and saw Wells Fargo Home Mortgage placed a forced home insurance on my private property that I did not consent to also this force place insurance has recently as 1 week ago refuse to repair water damage done to my property in XXXX just as in XXXX when it wasnt repaired, these are FDCPA, FCRA and Respa and much more violations its also Identity Theft and assumption deterrence act of XXXX and 18 U.S Code 2312. Its unlawful and illegal for Wells Fargo to also place there name on forced insurance and Owner of my private property I am the Entitlement Holder in due course all credits came from me and all debt and interest are owed to me. I didnt give anyone permission to place insurance of there choice thats isnt repairing no way violations violations violations no stop.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Closing an checking account and 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 2023-04-04
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

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 ( {$47.00} ), XXXXXXXX XXXX XXXX XXXX # XXXX ( {$390.00} ), XXXX XXXX XXXX XXXX XXXX XXXX ( {$2700.00} ), XXXX XXXX XXXX XXXX ( {$910.00} ), XXXX XXXX XXXX  XXXX ( {$560.00} ), incorrect name variations like : XXXX XXXX ( this is incorrect ) XXXX different addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. Also phone numbers that do not belong to me : ( XXXX ) XXXX. Also Email addresses that do not belong to me : XXXX. All these accounts and wrong personal information being reported on CHEXSYSTEMS have 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 explanation
Consumer complaint received 2021-01-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I get these " warnings '' quite often : XX/XX/XXXX Dear Customer, Your Accounts at Chase has been disabled due to attempted failed login.

Due to security reasons, we have disabled your accounts at Chase.

Follow the link to recover your account and prevent further disabling of your card and protect your account Recover Your Account If we determine the transaction ( s ) was/were authorized or correct. We will reverse the funds from your account and notify you.

Your Personal Details is protected by advanced online technology. For more, you can review our online privacy policy. 

Thank you Sincerely, Chase Customer Care Chase Privacy Operations, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX Chase Online and Chase Mobile are registered trademarks of JPMorgan Chase & Co . 

XXXX JPMorgan Chase & Co .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I had submitted a written debt dispute letter within 30 days of notification of collection. This collection agency has continued to call multiple times a day and has refused to acknowledge my dispute in any way, and is still attempting to collect the debt without investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to dispute the following XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am trying to recover money that was taken from my checking account by citibank and wired to an unknown person. I have been a Citibank Priority customer for more than 30 years and have never used their wire transfer services. 

On XX/XX/22 at XXXX I received an email alert from citi that I had added a new payee ; at XXXX I received an email alert that I had been successfully enrolled in wire transfer services. There was a note on email that if I hadn't enrolled, I should call them. I immediately called. 

While on hold and simultaneously online, I watched as three transfers for a total of {$2500.00} were made to a stranger, XXXX XXXX, at XXXXXXXX XXXX  XXXX XXXX XXXX XXXX in XXXX. 

When Citibank answered, I told them that the transfers were unauthorized and fraudulent. I asked to be transferred to their fraud department and reported to " XXXX '' what had happened. She transferred me to another person and I again relayed my story. I was told Citi would investigate and get back to me. I also asked that I get a copy of Citi 's written records adding the new payee and authorizing the wire transfer. I have not received either. 

Over the next couple of days, I put a hold on my Citi accounts, went to my local Citibank office and spoke with my personal banker ( and she told me I was the 3rd person that day to have been victimized by the same wire transfer transactions ), went to the XXXX and filed a report for Grand Larceny, called Citi 's Global Cash Investigation group and filed three notarized affidavits of unauthorized online wire transfers.

Although it's been 3 months, about 10 branch visits and 30 phone calls, I have not received written notice of the disposition of my case. Nor have I been shown written records of the fraudulent transactions. Upon calling the XXXX XXXX XXXX XXXX, I was told I would not be repaid b/c the receiving bank no longer had the funds.

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