BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: WELLS FARGO & COMPANY
State: NC
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:
My wife called me from our home, she was on the computer and she told me that Wells Fargo had sent an alert to our home computer that someone may be trying to hack into our account. ( suspicious activity alert ) She called me and I immediately called the bank and spoke with a gentleman who confirmed that {$990.00} had been withdrawn from my account - WHILE we were speaking he asked me if I was making a {$3400.00} charge on my account. I said NO - especially since I was speaking with him on the phone and not buying anything. He said he had stopped that charge but was not sure he could reverse the {$990.00} cash withdrawal even though it had just happened. After a couple of weeks the bank informed me that they could not/would not return the {$990.00} to my account because it was a " legitimate '' withdrawal. I questioned how that could be when I was on the phone while this crime was being committed. The banks eventual rationalization was - " a trusted device was used by the perpetrator '' and since I could not prove that was NOT me is must be me. I told them that is what the justice calls fraud. I have spent hours, days on the phone with the bank, bank vice president, service persons pleading my case. I have filed 5 different complaint issues, been " recorded '' on the phone with at least 7 persons affiliated with the fraud division ALL have agreed with me and only the supervisor has denied my pleas. Even a loan officer and the bank Vice President have filed complaints on my behalf and all have been denied. Even one of the complaint persons ( ALL on recorded lines ) I told my story gave me advice on how to re-file and re-word the issue to get satisfaction. They say the trusted device had a phone number ending in XXXX. I assume now that this fraud was perpetrated a hacker that got into me computer and opened up a XXXX account. This employee said he recognized the pattern of opening up a XXXX account waiting two months then making a withdrawal. He said to explain this to XXXX XXXX the person hearing and denying my case. He said this was a common way to take out money, not to try and take out the money immediately but wait a while. I told them I did not fraudulently take {$990.00} from my own account. How would I benefit from creating a fraud against myself. Strangely enough this same bank hired me 15 years ago when it was XXXX  XXXX  and I sold securities and opened up accounts for this bank. My credentials have to be immaculate and spotless to work in a bank. I have a high profile in my community and this is a dangerous black mark I can not abide with. Pleas help, I have been trying to work with this bank for two months, to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/XXXX XXXX, XXXX  XX/XX/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 2022-03-09
Company: Experian Information Solutions 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:
It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BKPT CT FL XXXX XXXX Docket # : XXXX Source : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : XXXX  XXXX BANKRUPTCY DISCHARGED *** XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2021-04-18
Company: EQUIFAX, 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:
I pulled my credit report and saw a lot of incorrect information. I disputed this information with the bureaus XX/XX/21. I have not received a response nor have I seen any changes to my credit report. The erroneous items on my report has caused me tremendous stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Recently I opened an account with Bank of America, my account was later closed without an explanation. I believe this action was caused by false negative reporting ; however, when I asked for the information, " why I was denied a checking account? '' I was told I could not receive it. I have attached my XXXX report which does not reflect any negative check reporting.

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 2023-02-24
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: Personal information incorrect

Complaint:
I have made many attempts to get this address removed from my credit report. It was a temporary address and I am no longer able to receive mail there. Therefore, I can not receive any debt collection forms from any agencies. I no longer live at this address and have updated all of the creditors with my new address. Attached are a copy of my DL and most recent paystub.

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 2018-05-05
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was affected by scam and fraudulent transactions in all of my accounts, credit cards, checking accounts, XXXX, phone account, but mostly, by wells fargo. Wells fargo would only repay the smaller funds withdrawn from debit/credit XXXX XXXX online transations, but when it came to the larger amounts in the checking account, they declined my claim. My claim is equaling {$26000.00} that was transferred to other wells fargo accounts. I am a single mom raising XXXX kids on my own and this was all I had left to rely on. I thought at wells fargo I was going to be secure, safe and insured. I thought wells fargo was a reputable company that I transferred my IRA to your company. Now, I am unable to recoup this horrible act brought upon me and my kids.

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 2023-08-17
Company: Experian Information Solutions Inc.
State: CA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
n accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reached out to Transunion about two Inquiries XXXX XXXX and XXXX Bank in which was identity theft. I ask them to delete and they refused even after sending the agencies Fraud report. I am asking for the removal off my credit asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am unable to close my account and withdraw my funds from TD bank within a reasonable amount of time. In my experience trying to resolve this with TD bank, I was came across predatory practices that allow TD bank to withhold funds from customers. They have put many inconveniences, delays, and barriers that prevent customers from accessing funds in a timely manner. 

I wanted to close my TD bank accounts and had about {$22000.00} in there that I wanted to transfer out. I first tried to transfer the money through their website, but it said there was a 30 day rolling limit of {$5000.00}, so I called customer service to see how else I can access my funds and close the account. 

XXXX/XXXX/23 : I called TD bank, and explained the above situation to the representative. I asked them to close the account and issue me a check for the funds I still had in the account. They went through several inconvenient, unreasonable, and non-viable options with me : -they can only close my account if I had a zero  balance. But they could not issue me a check to zero my balance because the largest check they can send is {$100.00}. 
-withdraw funds by going into a bank : There are no TD banks in southern california where I reside. 
-withdraw funds using a debit card. This is much less secure than a online transfer, especially for substantial amounts of money. 
-withdraw funds using a check. It takes 2 weeks to order checks, compared to minutes or days for an online transfer. 
-request a wire transfer from my receiving bank : I have never heard of initiating a wire transfer this way, and tried going to two different banks, both of whom where unable to do this. This wasted time and effort. 

XX/XX/23 : Since the wire transfer did not work, I call TD bank again to discuss other options, but was told there was nothing else they could do, and that the limits are their for my own security. The limit for external transfers from TD is {$5000.00} every 30 days. This is very low. In contrast the limit for transfers in to TD is much higher, {$20000.00}. I was told that the limit is low because my external account hadn't been connected to my TD account for more than 90 days. That is a absurdly long amount of time to withhold a customer 's funds for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: WI
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:
XX/XX/2023 was the date I have sent a letter to Experian and was told the closed account from Social Secuirty was verified, by law according to under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they have not sent me any documentation showing this account is mines. I DO NOT CONSENT TO e-Oscar or any means of automated verification. Here is the account that needs to be removed, Social Security Admin- {$13000.00}. XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Please let them know if it is not removed, I will be filing a lawsuit. 
This account is not mines.

They are also breaking many laws such as, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Also accoringing to 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both.

8 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to anyfelony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 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 explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
The following 20 accounts with XXXX is in litigation and Experian must removed. Please see attached documents showing proof of case and the reported accounts to be removed from Experians database.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: JPMORGAN CHASE & CO.
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
chase changing for cash advance on XXXX purchases. charged 3X {$10.00} plus interest on small purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-05
Company: BARCLAYS BANK DELAWARE
State: TX
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:
Barclay XXXX XXXX closed my credit card account when I was in good standing. Barclay stated my credit score was too low to leave my account open, although I have been paying every month and was not delinquent. I had a revolving credit line and they essentially turned it into a high interest rate installment loan. This should be illegal. This happened last month around XX/XX/18.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
The items listed below are reported on my personal credit file and were found in my reportswith 3 credit reporting agencies. These items were opened fraudulently. Ive informed allparties of the issue & provided the necessary documentation to support my claim. Thecredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law inregard to identity theft. Additionally, the credit reporting agency & data furnisher have notprovided me with any evidence of an open contract, signed contract, or any valid proof thiswas opened, authorized, or created by me. Since this is a strict violation of FCRA laws I needthe items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$350.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$140.00} ; XXXX XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2023-06-30
Company: Debt Co LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/XXXX I received a scam letter about some fake debt in the amount of XXXX. 

The " company '' is listed on the envelope as : Debt Co LLC XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX XXXX They said the date of the fake debt was XXXX XXXX, XXXX  I called the number and told them I had no familiarity with " XXXX XXXX '' the owner of the supposed debt. They told me I filled out an online application. They had my bank and social sec. number which is alarming. 
The email that the lending company gave me - XXXX and the address connected to the email XXXX XXXX XXXX XXXX XXXX XXXX ( I have no connection to that email and I doubt the address exists. Having lived in XXXX for over three decades, I've never heard of it. 
Please help shut down these scammers. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: MN
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 requesting the following inquiries and account be removed for my credit report. 

Creditors Have Agreed To Remove Fraudulent/Unauthorized Inquiries : XXXX XXXX/XXXX  - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX & XX/XX/XXXX XXXX Account : Creditor Has Agreed To Remove. Fraudulent Account. 

XXXX XXXX XXXX Account number XXXX This account along with the inquiries have been removed from my XXXX & XXXX 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 2023-09-26
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I HAVE NO CONTRACT WITH THIS DEBT COLLECTOR. NO WRITTEN WET INK CONTRACT HAS BEEN PROVIDED. 

ALLEGED DEBT IS NOT VALIDATED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: Credit Technology, Inc.
State: CA
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:
I have repeatedly spoken to the fraud dept. with XXXX XX/XX/XXXX and XX/XX/XXXX and explained to them that the inquiries on my credit file are unauthorized and I requested that they be removed. I don't have any knowledge or business regarding those company inquiries and I explained this to XXXXXXXX XXXX fraud dept.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation