BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XXXX XXXX, my beginning account balance ( account ending in XXXX ) with bank of America was XXXX. According to my BOA XXXX statement, a deposit in the amount of XXXX was made to this account. My statement ending balance for XXXX XXXX was XXXX. Bank of America closed the account and reported it as delinquent with XXXX in the amount of XXXX. After being denied an account at my local bank, I later made a second payment in the amount of XXXX to bank of America to clear up this issue with XXXX. I learned that I should have never been placed in XXXX in the first place. Also, Bank of America owes me XXXX for an overpayment.

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 2024-01-18
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been trying to get the check from Wells Fargo that I am due following the settlement in the courts. There is a claim in place but they continue to not answer questions and follow up regarding the processing of my refund. The claim # XXXX. 

I have called several times at # XXXX XXXX XXXX, and I just get the run around from the third party vendor handling the claim. I need help with looking into the status and continuous delays of my claim settlement please. I'v asked to speak to a supervisor. They say they will transfer me to the escalation dept. But when they say they will transfer me the phone just disconnects. It has happened no less that 10 times in the past two weeks. 

I need help with looking into the status and continuous delays by Wells Fargo of my claim settlement please. Wells Fargo is not compliant with the settlement and has no accountability or commitment to customer relations and compliance with the settlement.

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 2024-02-04
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Over the course of approximately 6 years, I was charged surprise overdraft fees after Regions approved my debit card purchases. 
These fees amounted to thousands of dollars. i would not be exaggerating in saying it was $ XXXX. 
I have not been contacted, nor have they made an attempt to compensate me. The fees became such a burden on me that I allowed to account to be charged off. I opted out of overdraft protection and they still hit me with fees after allowing my card to go through. This company made it to where I could not pay my mortgage and/or car payment on multiple occasions. 
It is unsettling that people like this are allowed to walk around free after knowingly bilking working class people out of 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 2024-02-06
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was promised employment by a copy called XXXX then the company apparently sent me a check to deposit in my account that I needed to send to a an Office equipment supplier called XXXX XXXXXXXX. I deposited the money but before it could clear I was asked to send an equivalent amount via XXXX. I tried to send the {$4600.00}, in XXXX chunks through my accounts at XXXX XXXX XXXX and Wells Fargo. I was asked to send the money via through XXXX XXXX XXXX XXXX declined the transfer because according to them XXXX was not a registered XXXX user. However, Wells Fargo transferred the money in XXXX chunks without any questions asked. 
Here are other emails of individuals connected with this scheme : XXXX : had online chats from XX/XX/scrub>XXXX  to XX/XX/year> XXXX : email directing me to reach XXXX above XXXX : sent me the checque XXXX : received the XXXX transfer XXXX : affiliated name is XXXX XXXX I also have copies of XXXX transactions to 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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 complaint on XX/XX/2023 about XXXX, and they were given extended time to respond ; when I got a notice about their response this weekend, the file was already closed. I had to get information based on their response, and since the file was closed, I could not submit the attached items. 

XXXX reported to the credit bureaus that I agreed with them and applied a payment of XXXX to make it appear that I paid them money. Doing this creates a problem and extends the bad debt when paid in full by third-party insurance. Their fraud department opened another investigation and shared a letter with an investigative team, and then the recovery team stated the accounts were too old to capture information. Therefore, the bank falsified information and should be penalized. The fraud team found the stolen credit card document and information to the insurance company, but the information could not be shared as the account details for internal banking. needed extraction before sharing, which could take up to 10 weeks due to the age of the accounts. That, information was sent electronically to bureaus in XXXX, stating the accounts were resolved and they should be deleted. Then, after I started this investigation XXXX created a payment plan that was not discussed with me and reported it to the bureaus. Now, we have 8-year-old accounts that were once deleted back on my report and letters to an investigation agency that say the accounts are resolved.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: FL
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. 

XXXX XXXX XXXX {$110.00} Opened XXXX XXXX XXXX XXXX  Account # XXXX {$230.00} Opened XXXX XXXX XXXXXXXX XXXX Account # XXXX {$380.00} Opened XXXX XXXX XXXX XXXX Account # XXXX {$700.00} Opened XXXX XXXX XXXX XXXX Account # XXXX {$1900.00} Opened XXXX The amount of missed payment and multiple late fees are incorrect. 

Multiple accounts appear several times on my credit report. 

The accounts below have violated my rights.15. U.S C 1681 section 602A State I have the right to privacy.

15. U. S C 1681 Section 604 A Section 604 A section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U. S C 1681 c. ( A ) ( 5 ) Section states : No consumer reporting agency can make any report containing any of the following item of information Any other adverse item of information, other than records of conviction of crime which antedates the report more than seven 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 non-monetary relief
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On several occasions I have contacted the company XXXX  and the CRAs to provide a copy of a contract with a wet signature proving my business interaction directly with the reporting company of XXXX. Per XXXX, I was told to look online for this information and there no available information. I have asked to have the reportings removed if the information could not be provided and the companies continue to report against my request of proof. Neither of the reporting companies have given me a valid source of proof to report those disputed accounts.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: MS
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 viewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that weren't opened by me. This is hurting me during my process of purchasing a home for my family.

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 2024-02-01
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citi has one of the worst account opening systems I have ever experienced. THEY DO NOT LET YOU ACCESS YOUR NEW ACCOUNT AFTER OPENING IT. You open the account online, fund it, then click the button to link it to your existing profile with your credit card. It will NOT allow you to do so. There is no way to utilize the account until after you receive the debit card weeks later because you can not access ANY FEATURES OF THE ACCOUNT OR ANY FUNDS YOU HAVE PLACED IN THE ACCOUNT AT ALL, THEY SIMPLY HOLD EVERYTHING FOR WEEKS ON END WITH NO RECOURSE. If you call the call center they will tell you there is nothing they can do, a supervisor ADVISED ME TO CLOSE MY ACCOUNT and told me there was NO WAY TO GET HELP AND THEY HAD NO KNOWLEDGE OF IF THERE WERE BRANCHES, USELESS! Citi is an absolutely disgusting bank that is seemingly opening shell accounts like XXXX XXXX! Watch your identity!

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

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 2023-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have an automatic payment scheduled for the minimum due to avoid late fees but I prefer to pay my statement balance every month manually in the Capital One mobile app to avoid revolving interest charges. I select to pay on the due date ( XXXX ) and choose the remaining statement balance ( {$2300.00} ) option. Next there is a prompt, that asks if I want to keep the scheduled minimum payment ( {$44.00} ). I choose 'no ' because I have already covered the statement balance and wanted to avoid duplicate payments. 
The numbers in ( ) are from my most recent statement and I have included screenshots from the app for reference. The issue that I have is that my statement balance is {$2300.00} and I am not given that option in the payment menu and the remaining statement balance option that is given apparently deducts future scheduled payments including the autopayment I have scheduled. This is not disclosed and my understanding was that remaining statement balance was statement balance less payments/credits representing the payment required to avoid revolving interest. What is even more concerning is the subsequent prompt asking whether I want to keep the min due autopayment knowing it has been deducted from the remaining statement balance. And again it is not disclosed that this will cause the acount to revolve. This appears to be an intentionally deceptive and predatory practice and has caused my account revolve for months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried to access my Equifax credit bureau account with my proper user name and password well over a dozen times. The Equifax website gives me a message stating it is unable to grant me access at the time. I have also tried using their account recovery option that is linked underneath the login window, and get the same message. I've called Equifax three times to try having them email me a password reset link. All other financial businesses have this service. The first time I called, I was told by Equifax that they will escalate my request up the tier and someone will get back to me. I've waited a long while but never got called back. The second time I called Equifax they told me my login wasn't working because I must be behind a VPN. I disabled my VPN ( which makes me less secure ) and tried to login again without success. I called a third time and they told me it must be the browser I was using. I could have been using any browser as far as they knew! However, I told them I was using XXXX and they asked me to try multiple other browsers to " make sure '' if that was the issue or not. At this point, it has become clear to me that they do not want consumers to have access to our own account to control out own accounts. This is a security issue, because I need to freeze and unfreeze my account at times. I also need to update the password at least once a year to make things more secure. Why are they making MY OWN credit information less secure? Why are they keeping me from my own information? No other credit bureau does this disservice to consumers. Please, please, please .... can someone investigate Equifax before they have another XXXX XXXXssue or worse!? Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: TN
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 have submitted in writing via usps twice now requesting the removal of fraud/identity theft activites from my credit report. I submitted a copy of my FTC identity theft report in addtion to a copy of my credit report with all fraudlent activites circled, I also included a copy of FCRA regulations giving experian and XXXX 4 days to remove these fraudulent activites. I also included a color copy of my Drivers license and social security card as verification of my identity. with all of this both EXPERIAN AND XXXX refuse to follow federal regulations and refuse to remove these unlawful activities from my credit report. 

the next step is to follow a complaint with the attorney generals office and file civil action against both XXXX and experian. i have done what is required of me under FCRA regulations and at this point i need federal intervention! 

everytime i call experian to get a agent on the phone its always the same excuse " oh im sorry our system is down and we cant not access your file at this time '' experian is up to something unlawful in my opinion and need a investigation into their practices!

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, and Proof of Address with my most recent 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 non-monetary relief
Consumer complaint received 2024-02-03
Company: Amsher Collection Services, Inc.
State: DE
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Recently, I have experienced concerning interactions with Amsher Collections Agency that have led me to believe that they have engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer laws. 
Upon checking my credit report and as I have been a victim of identity theft I found Amsher Collections reporting to my credit file. I have not received anything in writing about this debt. I also requested validation of such debt via mail dated XX/XX/2024 but have yet to receive anything Specifically, I have reason to believe that Amsher Collections Agency has engaged in the following behaviors : XXXX. Failure to Provide Verification of Debt : Despite my requests, Amsher Collections Agency has failed to provide adequate verification of the alleged debt they are attempting to collect from me, as required by the FDCPA.

2. Harassment and Misrepresentation : I have received numerous harassing and misleading communications from Amsher Collections Agency, including threats of legal action and misrepresentation of their authority to collect the debt.

3. Lack of Compliance with Consumer Rights : Amsher Collections Agency has disregarded my rights as a consumer under the FDCPA, including the right to dispute the debt and request validation of the debt.

These actions have caused me significant distress and concern, and I believe they constitute clear violations of consumer protection laws. I am requesting that the Consumer Financial Protection Bureau investigate these allegations and take appropriate action against Amsher Collections Agency to ensure compliance with all applicable laws and regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: GA
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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