BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-22
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit 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:
I am writing to express my deep concern and frustration regarding an ongoing issue related to fraudulent activities on my Wells Fargo account, as well as the bank 's alleged violation of Regulation E. 

I initially reported the fraudulent activities in XXXX and assumed the matter had been appropriately addressed. Unfortunately, I recently discovered, while reviewing my tax records, that the issue persists due to what appears to be a series of oversights and errors in handling the fraud reports. 

Despite my repeated attempts to rectify the situation by filing additional reports in XXXX, it has come to my attention that these subsequent filings were mishandled as well. The matter has now been escalated to the executive office, where I find myself in a disconcerting situation, with the bank attempting to hold me liable for the fraudulent charges. 

The explanation provided by Wells Fargo 's fraud team, suggesting that my continued payment of credit card bills implies my awareness of the situation, is not only inaccurate but also unfair. I made those payments under the assumption that the bank had taken appropriate action to address the fraud, as any customer would expect. Furthermore, if I did not make these payments that are required by law Wells Fargo would have reported a delinquent account and immensely hurt my credit. 

The fraudulent charges include expenses for a dentist, lawyer, and various other items, totaling over {$10000.00}. I want to emphasize that I have not visited a dentist in the United States other than my longstanding dentist in XXXX, who has been my sole dental care provider throughout my life. 

This incident raises serious concerns about Wells Fargo 's commitment to honesty, professionalism, and adherence to federal regulations, especially concerning the mishandling of Regulation E. As a disabled person, the situation is particularly distressing, and I believe it is imperative that this matter be promptly and thoroughly investigated and resolved. 

I kindly request your immediate attention to this issue, aiming for a fair and just resolution in compliance with regulatory standards. I trust that Wells Fargo will address this matter with the urgency and seriousness it warrants. 

Thank you for your prompt 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 2021-02-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2020, I sent a Notice and Demand to Validate Debt Claim. 

On XX/XX/2020 the company sent me a correspondence that there was no debt owed. 

The company is still reporting that there is a debt and is still reporting to third party credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
It's been about 19 months ago that my wallet had gotten stolen and immediately contacted Wells Fargo customer service for help and explained the situation and they said they would do an investigation and they contacted me weeks later, stating that they could replace the funds. Again I explained that my wallet was stolen with all my information in it, and they apologized. Better never refunded money. Then about 8 months later they called and asked would I like to refile a claim. At that point I was frustrated and declined the offer. Also the account was closed due to lost funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Greetings CFPB, My complaint is against Huntington National Bank where I had a checking account in good standing. This account was opened involuntarily as my original account was held by XXXX XXXX which closed. I had my account at XXXX for a number of years in good standing and I was not at all interested in having my account converted to Huntington. However, I had no option and for the most part the transition was smooth. I had a number of payments made from this account so I decided to move to Huntington for simplicity, what a mistake. The account was opened XX/XX/2019 and there were no problems with overdrafts etc, but last week they decided that I was a risk and notified me that my account was closed. As a carryover from XXXX a large portion of my paycheck goes into this account and now stability for my family is jeopardized. I was advised that the payment will potentially be returned to my employer making scheduled payments late. This will cause undue hardship on my family as I am the primary earner. Huntington has no definitive explanation of the risk that I pose. Quite frankly they appear risky as they have lost contracts inside of our local major retailers and the turnover rate is astronomical for employees. I am complaining that without risky behavior I have been deemed a risk and suspect that red lining may be the reason. I have researched some complaints against this bank and often there is a recurring theme and the sketchy actions usually originate with the bank itself. 
Thank you for your thorough review of my complaint and this unfounded accusation that they are making against me. I am able to provide all documentation of account activities since it was opened through merger in 2019. 

Respectfully submitted, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: ENCORE CAPITAL GROUP INC.
State: PA
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:
Midland Funding continues to furnish information on credit file which is incorrect. Company failed to comply with FCRA Guidelines. Requested validation and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/XXXX. I mailed my FTC report and my license to XXXX, Transunion, and XXXX. I will be filing a civil suit about fraudulent information reporting on my consumer reports.

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 2023-12-02
Company: Affirm Holdings, Inc
State: NC
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:
Affirm inc has an account that just recently showed up on my XXXX credit report only. Supposedly opened in XX/XX/XXXX and went to collections and showed up on my report in XX/XX/XXXX. I have never used Affirm and have XXXX missed payments on XXXX accounts. Filed dispute with XXXX and returned XX/XX/XXXX that Affirm said reporting correct. No account numbers or anything to investigate. Called Affirm. Stated phone number and name werent in their system so they couldnt help me, but would love to help me open an account. Need help removing this from my credit report. This is a shady company and I am very uncomfortable giving them anymore information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: WELLS FARGO & COMPANY
State: GA
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:
Overcharge my account then closed it

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 2023-12-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXXXXXX  and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I would like to work online for my school to pay off debt for my XXXX XXXX cant get anyone to assist in getting me started my health will not allow me to compete in any service oriented jobs to wash the loan or get rid of half amounts I am of age now and this is causing me a lot of unneeded stress Thanks for a solution I have many friends younger than I am a their student loans are eradicated and this is very disturbing and negatively effecting my over XXXX XXXX unnecessarily my loan have been hanging over my head for over XXXX yrs and nothing has been done except delayed only to come back on my report and now I cant go out in the workforce

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 2019-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX not mine

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 2023-12-18
Company: EQUIFAX, INC.
State: TX
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:
Dear XXXX.Equifax, XXXX There is info on my credit report that is a result of Identity Theft. I did not provide written permission or instructions for the identitified transactions to be reported, on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to being blocked made on the basis of material representation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: EQUIFAX, 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
State: PA
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 have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

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 2023-02-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Well Fargo froze a joint account my husband and I shared back in 2011. It was for a few XXXX dollars being deposited by the military, it caused us a significant amount of trouble because it directly affected our lives we were late on rent and other bills and end having to pay a significant amount of late fees due to the account being frozen. It took more than a week for them to correct their error. This event led to us closing our accounts with them permanently.

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 2019-11-04
Company: EQUIFAX, 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: Account status incorrect

Complaint:
accounts showing past due when they are current dept of Ed/XXXX no late pay Dept of ed/XXXX no late pay these accounts are in deferment and should not be showing 30/60/90 days past due

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have contacted Transunion on several occasions regarding inaccuracies to my credit report and I have received constant push back. I wrote letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX also have spoken to representatives via phone about the inaccurate information. Transunion has yet to remove the items that are on my credit report. Despite my multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? Transunion still have not identified who in their company verified the accuracy of these accounts or how they verified them? Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days. 

I dont know if this error is intentional or not, created by your system, or by the entity who reported this to you, but this is affecting my credit & my score. This is an important issue for me, this affects my finances & it has come to a point where I cant even sleep well at night. As you can see, this list is detailed and quite self-explanatory, I demand you to put as much effort as needed to resolve this issue as soon as possible. 

Items : TO BE REMOVED 1.XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: EQUIFAX, 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 Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
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: Account status incorrect

Complaint:
Called credit card company to find out why my account was closed and found out it was due to a typo on bank account number, which caused their auto pay transactions to get declined- which resulted in my account being automatically closed. 

However, I got no notifications from the credit card company that this was happening and I was manually making payments on my card on time. I called customer service and my account was reopened in XX/XX/2021. It's now XX/XX/2021 and my credit report still shows the wrong account status and wrong balance. 

I disputed it with XXXX  and they found in favor of credit card company. I'm appealing the decision as I have current credit card statement showing my account us open and balance is {$0.00}.

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