BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In 2015 I supposedly opened a joint checking account using my power of attorney for my step father and myself. Now Im bring told Im not on the account. I was told during annual reviews I was on the account for at least 6 years. No mention if I should have a beneficiary added. Using my power of attorney in conjunction with a letter from a doctor stating my step father was mentally incompetent to handle his financial affairs i thought I set up a joint checking account. This was done to prevent scamming on Wells Fargos advice. I could of named anyone to the account and named anyone beneficiary. Legally. This account was set up during the time period Wells Fargo was convicted of problems with setting up accounts. Either an inexperienced or untrained banker set up this account. I didnt know it at the time. The bank needs to correct whatever paper work they screwed up so I can close the account and withdraw the small amount of funds.

This has been the most unprofessional experience I have ever had in my life. I trusted wells fargo to help me and got screwed. 
The bank needs to correct their accounting error.

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 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
all ftc violations XXXX XXXX {$13000.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX co {$1200.00} XXXX XXXX XXXX {$490.00} XXXX {$10000.00} Pursuant to 16 C.F.R. 2.10 (  a ), Petitioner SLAC , Inc. ( SLAC ) petitions the Federal Trade Commission ( FTC ) to limit or quash the Civil Investigative Demand ( CID ) issued to SLAC on  XX/XX/XXXX, XXXX SLAC objects and seeks to quash and/or modify the CID as being improper and unenforceable because the CID seeks information that is irrelevant information beyond the scope of the FTCs investigation and is part of an unlawful, unauthorized investigation. 
If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court.

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 2023-09-06
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I submitted an application for a business line of credit with Wells Fargo. However, the approval process was temporarily suspended due to the presence of an outstanding judgment dated XX/XX/XXXX. It is essential to note that my business was officially incorporated on XX/XX/XXXX, and subsequently granted an Employer Identification Number ( EIN ) on XX/XX/XXXX. Wells Fargo has been duly furnished with the aforementioned documentary evidence. 

Regrettably, despite the incontrovertible evidence presented, Wells Fargo has expressed reluctance in acknowledging the evident reporting inaccuracy. I have communicated to Wells Fargo the implausibility of a five-year charge on my business account, given the company 's recent establishment, spanning only a few months. 

In response, Wells Fargo advised me to initiate contact with XXXX XXXX XXXX XXXX, the credit reporting agency involved. However, my interactions with XXXX have been marked by a notable reluctance to provide meaningful assistance. Rather than effectively addressing the underlying issue, I have been subjected to a protracted and fragmented procedure, deviating from the expeditious resolution of the matter at hand. 

In light of the aforementioned circumstances, I wish to express my serious concerns regarding the handling of this matter by both Wells Fargo and XXXX XXXX XXXX XXXX. I seek a prompt and equitable resolution to rectify this credit reporting inaccuracy, which has adverse implications for my business.

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 2023-04-22
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: Personal information incorrect

Complaint:
To Whom It May Concern, I am writing to dispute the inclusion of inaccurate and unauthorized information in my credit report. Specifically, I am concerned about the addition of temporary employment and incorrect addresses without my permission. 

The inclusion of temporary employment on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ) under Section 607 ( a ) ( 3 ) ( B ), which requires that credit reporting agencies ensure that the information they include in credit reports is accurate and up-to-date. The addition of temporary employment has no bearing on my creditworthiness and is irrelevant to my creditworthiness evaluation. 

Additionally, the inclusion of incorrect addresses is a violation of the FCRA under Section 607 ( b ), which requires that credit reporting agencies maintain reasonable procedures to ensure that the information they report is accurate. The inclusion of incorrect addresses can negatively impact my credit score and can potentially lead to identity theft. 

I demand that the credit bureau remove all inaccurate and unauthorized information from my credit report immediately. Furthermore, I demand that you provide me with an updated credit report after the change is made. 

I expect a prompt response from you in accordance with the FCRA. If I do not receive a satisfactory response from you within 30 days, I will pursue all legal remedies available to me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern around XX/XX/2022 I have recently sent letters to all three credit bureaus about a XXXX on my credit report, I have gotten proof from the Illinois courts stating that they do not give, sale, furnish or verify court documents to any credit bureau, or consumer reporting agencies. The letters I sent with proof stating such, is accurate proof from the United States Court all three credit bureau, blaming XXXX  for their source of verification, XXXX XXXX said the verification is from pacer which are all reporting agencies. they all are defaming my name and my character and would like to have this XXXX removed immediately. Thank you. Best regards.

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 2020-07-25
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
At approximately the beginning of XXXX, I reached out to US Bank to refinance my home mortgage. Because the interest rates had dropped, I thought that this would be a good time and I could lock in a 20 year loan for the same amount as my 30 year loan. I began the process with them immediately. By XX/XX/XXXX, I'd received some follow up communication, which implied the appraisal had come through. I sent them an email on XX/XX/XXXX because I wanted to see the appraisal. On XX/XX/XXXX, I received an email that I could view the appraisal, which I did. On XXXX, I sent an email asking if their refinance would be processed in enough time for me to keep the rate they had locked me in at when I applied. On XXXX, they told me my loan was still with underwriting in the initial review. On XX/XX/XXXX, I was asked for additional information, which prompted me to send two emails and to make a phone call. I finally spoke to my loan officer and asked about an amount of money they were wanting statements for, why I couldn't get ahold of anyone, and what was going on with my HOA ( my HOA requires a fee for a refinance which the loan officer was not aware of and even argued that it wasn't normal for them to do that, but I've refinanced on this home before so I am 100 % certain it's required ). The loan officer FINALLY increased the loan amount on XX/XX/XXXX ( had asked her on XXXX ) so I wouldn't have to pay cash at closing. On XXXX, I was told they had emailed my insurance company to switch the information over to US Bank. The processor implied that my insurance company was making them wait. I've worked with the insurance company for over seven years and they are extremely efficient so I knew it wasn't them holding this process up! On XX/XX/XXXX, I emailed the loan officer asking if this refinance is going to be finished before my XXXX mortgage payment is due. That we are now on THREE months for a refinance. THREE MONTHS! I have bought 4 homes and refinanced this one before so a total of 5 closing experiences not counting this one. In all of those times, not once did the process take over a month. I honestly want out of the refinance at this point but they've already charged me their fee and with their lackadaisical approach, I'm sure there are papers floating around everywhere half finished. If it takes 3 months to do the paperwork, I have no doubts that something will be wrong. The processor already spelled my name wrong and I had to correct her on that. That is literally her only job. I have been a loan processor before.

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 monetary relief
Consumer complaint received 2023-09-06
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
We are making significant improvements on our house and using the credit card to fund the majority of the purchases. We make regular purchases and regular payments to ensure adequate availability on the card. We have never had a late payment, and we pay the balance off monthly. Yesterday, we made a payment totaling half of the outstanding balance on the Synchrony website. After making the payment, the website indicating the payment would be posted the same day. The payment was not posted as indicated. We called customer service informing them we were traveling out of state and concerned we would not have availability when out of town. We were informed it could take up to 24 hours to process the payment regardless of what the website indicated. Last evening, our card was declined at a restaurant despite having more than adequate availability. Customer service was called again the following day and informed Synchrony was holding our payment for one week sighting potentially fraudulent activity. We have always used the card as agreed, pay off the balance monthly, and have fraud alerts text to our phones from both the retailer and the Synchrony when payments are made. If this was the first time we had problems with a decline, I would try to understand, but this is not the first despite having thousands of excess available on the card. We are just a small customer. Maybe they will listen to the cfpb, or someone with a bigger stick. 

Regards

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Report Act XXXX, Account : XXXX, Receivables Performance, 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. 
I do not owe this debt collector.

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 2023-09-16
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a phone call from Online Information Services informing me that I had a debt in collection. I promptly informed them that I had never lived at the address they mentioned and questioned how I could have a debt in utilities for a place I have never resided in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
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 status incorrect

Complaint:
bank america XX/XX/XXXX account # XXXX They decided to close my account with a line of credit of {$3600.00} just because? I asked them, why was my account late? I told them about what happened to me with the pandemic of, XXXX and what they did was close my account and with valance but it is already paid and they refused to help me with the late payments

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 2020-03-31
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Problem # 1 : In light of the economic crisis in XX/XX/2020, I had to spend 3 times my normal monthly expenses. Funds became scarce and I asked CITI/Credit Card to allow me to make a reduced payment pf {$25.00} for the next 4 months instead of the $ XXXX  monthly payment. They refused me. 

Problem # 2 : On XX/XX/2020, I made a $ XXXX  monthly payment in advance, which was due on XX/XX/2020. Then on XX/XX/XXXX, CITI withdrew a second {$100.00} from my checking account. I was charged twice for the XXXX payment. I called CITI on XX/XX/XXXX and was told they wouldnt do anything to correct the problem. 

I called CIT I2 times and asked them to lower payment to {$25.00} for 4 months and to have one of the XX/XX/XXXX payments to be applied to XXXX payment. They told me to call back about the double payment which I did. Each time I called, they said no. I finally wrote them a letter summarizing the problems and asked for help. I got a letter from CITI and again saying NO. In good faith, I will be making a $ XXXX  monthly payment for the next 4 months, but If something is not resolved during that time, I will have to stop all payments and default on the balance of the credit card.

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 2023-04-22
Company: Experian Information Solutions Inc.
State: FL
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 Report Act XXXX, XXXX, XXXX XXXX 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 an account without my written instructions. 
I do not owe this debt collector.

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 2020-03-31
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:
all ftc violations XXXX XXXX {$13000.00} XXXX XXXX XXXXXXXX  {$1600.00} XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX {$490.00} XXXX {$10000.00} Pursuant to 16 C.F.R. 2.10 ( a ), Petitioner SLAC , Inc. ( SLAC ) petitions the Federal Trade Commission ( FTC ) to limit or quash the Civil Investigative Demand ( CID ) issued to SLAC on December 6, 2017.1 SLAC objects and seeks to quash and/or modify the CID as being improper and unenforceable because the CID seeks information that is irrelevant information beyond the scope of the FTCs investigation and is part of an unlawful, unauthorized investigation. 
If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court.

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 2020-06-06
Company: EQUIFAX, INC.
State: SC
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:
Complaint : The Equifax Credit Bureaus have failed to verify the two accounts listed below within the allotted time per the standards of the Fair Credit Reporting Act ( FCRA ).

Background : I filed a dispute with Equifax per the FCRA, Section 609 ( a ) ( 1 ) ( A ). In my letter, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file for these accounts. In my dispute, I also demanded the two accounts be Verified or Removed immediately : Account Name : XXXX  Account Number : XXXX  Reason : Unverified account Account Name : XXXX Account Number : XXXX  Reason : Unverified account Additional Facts : Certified Dispute Letter Received by Equifax : XX/XX/2020, at XXXX XXXX ( See Attachment ) Deadline to provide Verifiable Proof : XX/XX/2020 As of XX/XX/2020, Equifax has failed to provide Verifiable Proof that meets the standards of FCRA, and these two accounts remain on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
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: Information belongs to someone else

Complaint:
I contacted the creditor about the inquiry i receive on credit report, they looked in to the issue and saw that it was done fraudulent. They send me a letter stated that the inquiry should be remove out of my credit report.

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 2021-03-01
Company: ADIR INTERNATIONAL LLC
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I placed on online order with XXXX using their credit card for a cell phone. They sent me an email stating that my item had shipped and that I would receive my item by on XX/XX/XXXX by XXXX. However, a few hours later XXXX sent me an email stating they could not deliver the item to me on XX/XX/XXXX because only the shipping label had been created and they had not received the cell phone. I called XXXX to confirm this. I emailed XXXX customer service and called a Mr XXXX in the Escalations department as well. At first, everyone I was dealing with kept insisting the item had shipped. Mr XXXX " looked into it '' and finally agreed the item had not been shipped. However I was charged {$870.00} when I placed on the order on the XXXX. In light of this, I asked if he could just arrange for me to pick up the item as their main store is a few blocks from me. He stated he could call me back. Then, I began getting emails from XXXX XXXX in Customer Service. She advise me that the item I wanted was out of stock and asked if I wanted to wait for it or cancel the order. I responded that I wanted to cancel the order. Then she wrote back that item had shipped and she could not cancel. How can an out of stock item be shipped? We went round and round and I kept insisting the order be canceled and the charge be taken off my account. She finally agreed and said they would honor my request for cancellation. She asked for some information and I never heard from her again. I attempted to reach her two more times but I was ignored. In the meantime, I was still speaking with Mr XXXX. I had asked repeatedly for my order to be cancelled. He started promising to call me back but did not on two occasions. The last time I spoke to him on Friday XX/XX/XXXX he suggested I drove 20 miles to another store location and pick up the phone. I got very upset, explained I do not drive and did not want to do that. I again asked for the charge to be taken off my account. His entire demeanor changed because I didn't want to do what he wanted me to do. I again asked for the charge to be taken over by account and an email confirm this. I asked that it be done by close of business to which he agreed. It was not done. I checked with XXXX again and found that XXXX cancelled the shipping label. Yet the {$870.00} charge still sits on my account. I even gave them a few days to comply before filing this complaint. I have documentation to substantiate this entire account of what happened. I have no faith in them as an ethical business anymore. I have been in good standing with them and deserved far better treatment than this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation