BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Wells Fargo contacted me in the Summer of 2019 indicating they believed my card was being used fraudulently. Multiple charges were being made in XXXX, MD, my home is in Pennsylvania. Of note, I do not have a cell phone, I have a land line only at my home. As such, when they called I was home to receive the call. I indicated those were not my charges. They informed me that they had received a change of address and had then sent a new card to the new address, it is a boarded up row home in XXXX. I told them I have not moved and had not requested a new card. The card was closed and I received a new card. A few weeks later I received a letter from Wells Fargo they had reviewed the charges and determined they were mine. I called the company to dispute this, again, I was home in Pennsylvania when they initially contacted me, I was told I had to submit a rebuttal in writing. I immediately wrote a letter and sent it to the address they provided. A few weeks later I received a bill with late charges. I again called to ask about the status of my rebuttal. They claimed they never received my letter and I needed to submit a new one via fax. I printed my letter and took it to the Wells Fargo office in XXXX, PA. To date I have not received an answer, but did receive another bill telling me I am delinquent and they were closing my 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 monetary relief
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The collection accounts on my credit report is fraudulent and do not belong to me i have recoeve no communication from these companies about me owing a debt. I have no affiliation with XXXX 

According to the FCRA ; The credit bureaus are reporting inaccurate information on my credit report their is a collection that is reporting as opened.. Company XXXX XXXX been reported as opened, 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 2017-02-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
XXXX XXXX, XXXX To whom it may concern : In XXXX of XXXX, I entered into a contract with XXXX HVAC to install a new furnace and air conditioning unit. As arranged by XXXX, the work was financed by Wells Fargo Bank, via a VISA credit card, [ Account # XXXX - Amount : {$6300.00}, ( see copy included ) ]. 
Approximately one year later and after more than {$2000.00} in payments, I received a notice on the back page of my monthly coupon/statement ( which I did n't notice ) that the VISA feature was being suspended and transferred to a new non-bankcard credit line ( see copy included ) ; to use only for home repairs and only with one specified vendor - Home Projects, account # XXXX ( see copy included ). This seemed like a bait and switch deal to me. Needless to say, I was not happy. 
I eventually decided to transfer the balance of the Wells Fargo card to a legitimate bankcard ( VISA, MC, etc. ), preferably with friendlier terms. I chose a XXXX credit card ( per XXXX XXXX ) and applied for the transfer. When my approval was announced it was only for half of the amount requested [ VISA account # XXXX, ( see copy included ) ] and I was informed no changes could be made until after I received my card and paperwork. 
Once I received the card and called XXXX, an attempt was made to transfer the remaining balance from the original Wells Fargo account. I was immediately rejected ( less than 10 seconds ) and I had to suffer another ping on my credit score for the additional credit inquiry ; with no results, despite the representative 's guarded optimism and the short span between inquiries. 
Now I 'm stuck with two credit cards ( each with substantial balances ) and a compromised credit score that I will have to compromise more in order to get the total balance transferred from Wells Fargo. 
Ideally, I wanted this not to have happened, so I would n't have to pay the price I 'm paying now to fix it ; but my desired resolution would include : -- Complete transfer of the Wells Fargo balance to one bankcard ( VISA, MC, etc. - preferably the new XXXX card I presently have ), with equal or better terms as that XXXX card, at no cost to me or my credit score. I no longer wish to do business with Wells Fargo. 
-- If that option is not possible, I 'd like the remaining balance on my Wells Fargo card to be converted or transferred to a bankcard ( VISA, MC, etc. ), with agreeable terms and at no cost to me or my credit score. 
Thank you for your consideration.

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 2017-11-26
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The Sherman Anti Trust Act, regulates Trusts & Business Conglomerates. 

Estates & Trusts, land and property being held, & " used. '' A Trust was once a Common Law, Law of Precedents, one previous decision, weighing on the next, using a Judge only, weighing, " right from wrong. '' The XXXX XXXX County Court House, dismantled & converted to state statutes only, with no foundation of any Trust except Statutory Trusts. A Successor Trustee who is liable and competent can not " appear '' for the XXXX XXXX XXXX XXXX XXXX XXXX, which is still held on XXXX XXXX XXXX, as casino run off of XXXX XXXX, XXXX XXXX, S.D. with hundreds of other defunct Trusts, failed XX/XX/XXXX. Congressional Indenture Act, Corporation actings as Trustee , Securities & Exchange Commission, ( Conglomerate ) failed XXXX XXXX XXXX. & another completely different EIN, and fictitious name Wells Fargo & Company, as XXXX XXXX XXXX XXXX. EIN XXXX went inactive and now not valid, and failed hundreds of branches in 40 USA states, and hundreds of other business using that EIN number. 
As some-sort-of-Conglomerate, they did not honor their own failure and they plead that they use non existent persons employed un gainfully as XXXX XXXX XXXX already since XXXX, and have no contingency plan, and owe me {$330000.00}, and shouted to the State of CT. they will or can not pay, and they have to all be picked up as non existent and have no  use of the criminal justice system at all. 
They can receive XXXX XXXX, and be " straightened out '' at their own expense to delay their disposal.

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 2021-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am troubled and upset by recent actions taken by Bank of America 's subsidiary Merrill Lynch. The first was a XX/XX/2021 email notice from Merrill Lynch under the subject, Action Needed : Please call us as soon as possible to confirm or update your Merrill Lynch Account Information. Warry that the telephone number could lead to risk of fraud, I logged in to my Merrill Lynch account. 

I was astounded an upset that I was forced to update my account before actually being able to enter the account. Proceeding through the long laundry list of information that I was forced to supply in order to get past the update roadblock I grew more and more upset by the information being asked for. None of the information required was essential or beneficial to my interaction with Merrill Lynch. All of the information required is beneficial only to Merrill Lynch employees who might choose to use it to attempt to do more business with me or make more profit off of my account. 

Ive now wasted an hour of my time providing information that is in no way beneficial to me and can be used by Merrill Lynch and Bank of America in a way that is detrimental to me. This forced action by Merrill Lynch and Bank of America reminds me of the actions taken by XXXX XXXX XXXX  over a period of years that were not in their customers best interest. 

I no longer trust Merrill Lynch or Bank of America as I have in the past. This forced siphoning of information from me seems unethical and perhaps even illegal. 

I believe the Consumer Financial Protection Bureau should investigate this inappropriate and forced fishing expedition for information.

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2021-08-24
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank closed my checking account for unknown reasons on XX/XX/2021. I received an email on XX/XX/XXXX advising me of this. I had XXXX in my account at that time and I was told that a deposit of XXXX and XXXX were invalid. That would leave XXXX in my account that Citibank owed me. I called on XX/XX/XXXX, and spoke to a XXXX who supposedly was a supervisor in the Electronic Fraud Department and she told me she was going to email the investigation depart to mail out a check to me and to call back 2 days later to verify that a check was issued. I called back 2 days later and spoke to XXXX and she said I had to wait 30-60 days for a check. I called today, XX/XX/XXXX, and XXXX said I wasnt due any money. I told her that I wanted to speak to a supervisor. I was connected with XXXX who was a supervisor in client relations and he told me that there was no supervisors in the electronic fraud department Which means that I was lied to once again. I received a letter from Citibank today saying that no funds were owed me and that as far as they are concerned the matter is closed. How can their representatives tell me that a check is in the mail and then that they owe me {$110.00} ( which I agree with ) to not owing me any money with no explanation?

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-07-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
When I went to the car dealership XXXX XXXX XXXX XXXX XXXX  they said they was only going to run my credit ones and ran my credit Numerous of times these are all the credit Inquiries 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 XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: AZ
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX FED XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX  XXXX : {$14000.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX  XXXX XXXX Balance : - XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX  XXXX XXXX : {$25000.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
When I went to the car dealership cXXXX XXXX XXXX XXXX XXXX  they said they was only going to run my credit ones and ran my credit Numerous of times these are all the credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2016-09-13
Company: WELLS FARGO & COMPANY
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX I purchased a XXXX VW Jetta GLI from XXXX XXXX in XXXX, AZ, financed through Wells Fargo Dealer Services ( WFDS ). At the time of purchase and completion of the sale I maintained a current and valid auto insurance policy through XXXX. This auto insurance policy was listed and on file ( agreement to purchase insurance ) at the time the sale was completed. On XXXX/XXXX/XXXX I contacted my auto insurance to confirm this purchase and addition of my new vehicle. It should be noted that I took possession of the vehicle from the on Monday XX/XX/XXXX. 

A month later WFDS sent a written request notifying me that I needed to purchase insurance and list WFDS as the payee in the event of a loss. I resubmitted proof that I maintained insurance on the vehicle via WFDS ' website XX/XX/XXXX. 

XX/XX/XXXX I began receiving multiple phone calls per day from WFDS in an attempt to collect a debt for not maintaining insurance on this vehicle. For a third time, on XX/XX/XXXX I re-submitted proof of insurance as well as a letter to WFDS. Since this time I have received no further response in writing. The phone calls to collect the debt which I do not owe have continued.

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 2023-05-08
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am writing to file a complaint against Barclay, which that has failed to comply with the Fair Credit Reporting Act ( FRCA ). Despite several disputes of this alleged debt, Barclay continues to inaccurately report on my credit report and has not produced real evidence that the account belongs to me. I have been disputing this account with Barclay for several years now, and they have failed to provide any concrete evidence that the debt belongs to me. Despite my repeated requests for proof of the debt, Barclay has continued to report the account on my credit report, which has negatively impacted my credit score. This is a clear violation of the FRCA, and I am deeply concerned about the impact this is having on my financial well-being. We are not at the point that this alleged debt has aged out and should no longer appear on my credit report regardless. I urge you to investigate this matter and take appropriate action against Barclay for its failure to comply with the FRCA. I also request that you ensure that Barclay removes this account from my credit report and takes steps to correct any inaccurate information they have reported. Thank you for your attention to this matter.

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Date opened XX/XX/XXXX Details XXXX  The account was not listed in XXXX nor XXXX TransUnion has almost failed to allow me to see my complete report over online as well as over the phone Additional information Account is in violation 15 usc 1681a Account closed and charged off status of XX/XX/XXXX which is failure to report complete and accurate information. Showing a past due balance on XX/XX/XXXX as XXXX with XXXX XXXX XXXX usage is 0 %. How is it possible with the accounts reflecting XXXX in balance and usage and no payments history be charged off the is no original creditor listed and I agave Resolution I am demanding is deletion of this XXXXl on my account I have allows TransUnion 30 days per law to investigate and as you can see per the inaccuracies and incomplete information on the account the investigation was not properly done TransUnion I will file sue for damages up to XXXX per my FCRA law 15 usc 1681i if this account is not removed as it is in violation of 15 usc 1681 for not providing complete and accurate information

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