BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
7 years ago I was a victim to Wells Fargos banking regulatory rules when they converted my accounts to a fee-based account without my consent. This was after the Feds had caught Wells Fargo for converting accounts to fee based accounts without the account holders knowledge and WF was fined millions. In XXXXXXXX XXXX XXXXXXXX I received a text from the buyer of my previous home address in XXXX XXXX Florida that she was receiving g mail from Wells Fargo addressed tome. I had given WF my new address in XXXX so I was concerned that mail was going to my previous address. I asked he too [ en the letter and text me a photo of the contents. Turns out the letter was a statement showing Wells had {$1300.00} in an account in my name that they were sending to unclaimed accounts. I filed a formal complaint with WF on XX/XX/XXXX and the banker told me I should receive my funds by check from WF within 10-days. I went into the XXXX XXXX branch on XXXX XXXX. on or about Monday, XX/XX/XXXX and spoke to the bank representitive XXXX. She called their escalation department while I was at her desk and she started a formal review to get WF to release my funds. On XX/XX/XXXX I received an email from WF with a case number : XXXX stating my case would be resolved in ten business days. Today, XX/XX/XXXX, I called the WF enterprise complaints management office at XXXX EST and spoke with their representitive who transferred me to their corporate accounts escalation department representitive. This representitive assured me my money would be forthcoming and that I needed to physically go to the XXXX XXXX branch and speak directly with the bank rep, XXXX. I asked him to please contact XXXX, ensure she was at the branch today, and inform her that I was on my way. He placed me on hold and came crack on the phone a few minutes later and confirmed XXXX was at t eh branch and she would get this issue satisfied. I ask him why he couldnt tell me the status and he said it was confidential and I would need to speak to XXXX in person. I immediately drove to the branch, and met with XXXX. XXXX knew nothing of my conversation with corporate and stated no one had called her. So she got the branch manager involved and I waited for thirty minutes while they attempted to contact the escalation department rep. After a half hour I told them I was leaving and I would be back with the news media. Both XXXX and the branch manager apologized for my continuing inconvenience. This bank is obviously a thief and I need your help in retrieving my monies. Thank you.

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 2021-09-28
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When my ex-wife and I was married she put a lot of credit cards in my name would guess she was paying on them. When we divorced is when I learned I had all these cards in my name leaving behind all the payments. I would like to do a dispute on them. Also it looks as this account was opened longer then 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged XXXX for XXXX twice and they didnt even pay for the item for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16
Company: Experian Information Solutions 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:
I believe XXXX XXXX has done a dark pattern on my credit report also my information was shared with third parties without my consent some of the inquiries on my report should not be there they are either closes or was part of a bankruptcy etc

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 2020-07-02
Company: EQUIFAX, INC.
State: NC
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:
its been 3 months since I notified the credit bureauby mail that my identity was stolen. I have been sending letters and placing several calls a week disputing the fraudulent information on my credit report. The erroneous information is ruing my life financially and need this removed asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: NAVY FEDERAL CREDIT UNION
State: NC
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 Account # XXXX, has violated my rights. 

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: ENCORE CAPITAL GROUP INC.
State: MS
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:
Midland refused to stop publishing inaccurate information in my credit file to all 3 credit bureaus as well as honor my request have the accounts deleted from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-23
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Newrez/Shellpoint has reported my mortgage delinquent to all three credit bureau agencies . This reporting is inaccurate I called the mortgage company to Inquire what they had and they insisted that my payments are up to date and on their end they have not reported my mortgage account as delinquent yet this does not align with my credit report. They are refusing to do anything about this and I pay my mortgage every month. I am highly upset this is a e ethical and fraudulent. I am requesting that they remove these incorrect delinquent reports from my credit report ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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: Account information incorrect

Complaint:
XXXX XXXX account # XXXX the date opened is different from all credit bureaus. 

transunion opened date XX/XX/XXXX XXXX  opened date XX/XX/XXXX XXXX opened date is XX/XX/XXXX last reported date is different from all credit bureaus transunion last rteported date XX/XX/XXXX XXXX  last reported date XX/XX/XXXX XXXX last reported date is XX/XX/XXXX high credit amount is different from all credit bureaus transunion high credit amount {$30000.00} XXXX  high credit amount is {$30000.00} XXXX high credit amount is {$8300.00} plese delete for multiply inaccuracies.

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 2018-12-08
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
My information was compromised due to a theft that took place a few years back. Im not really big on credit but some of these accounts showing on my credit I do not recognize. I believe that this account is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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'm looking to by a house and wanted to get preapproved for a loan. The agent found several problems on my credit report. There were 10 credit cards on my report that I never applied. I believe I am a victim of Identity Theft and these cards are fraudulent and I need them off my credit report. I have submitted a number of disputes through XXXX XXXX and XXXX. I will be submitting a police report also. Here are the cards in question : XXXX XXXX {$590.00} Limit {$500.00} Opened XX/XX/XXXX ( 3 mos ) On time XXXX {$0.00} Limit {$8000.00} Opened XX/XX/XXXX ( 6 yrs, 3 mos ) The XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 2 yrs, 1 mos ) Closed on XX/XX/XXXX XXXX Closed Limit {$600.00} Opened XX/XX/XXXX ( 4 yrs, 9 mos ) Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Limit {$3000.00} Opened XX/XX/XXXX ( 5 yrs, 0 mos ) Closed XXXX XXXX Closed Limit {$500.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX Closed Limit {$700.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 4 yrs, 8 mos ) Closed XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 1 yrs, 10 mos ) Closed This Information download from XXXX XXXX and XXXX websites

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 2020-11-22
Company: PNC Bank N.A.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am letting you know ... ... i have many complaints about my bank ... .i always have money deposited into my account like always ... the past few months have been a nightmare ... the bank refuses to let me use the outside atm machine ... the manager told me that the atm machine is broken ... and yet there are people litaraly taking money out of the machine ... it just wont let ME ... ..the bank also has kicked me out serveral times for not wearing a mask ... as well as give me my money that is in my account ... after multiple attempts ... .they now said they would let me walk up at the drive thru and in person have to take out my money ... this is crazy ... ..i need some advice and justice served ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2023 dispute this account Information incomplete and inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: REGIONS FINANCIAL CORPORATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We were victims of wire fraud- the real estate agency that we were working with emails were hacked and my husband deposited {$350000.00} into The Regions Bank based in XXXX XXXX AL in an account on XX/XX/2023 the wire was supposed to be sent to Title Agency and had the title agency name and our name. 
The Regions Bank accepted this wire in the account with a different person name ( knowing it was not the title agency ). 
We have tried numerous times to recover this money and they refuse- even though they know it was done due to fraud. 
We want to report The Regions Bank for failing to respond/ refund fraudulent money. 
We know the money is still in the account- we have talked to a nice teller lady. 
The longer this goes on- we will not get our {$350000.00} back which is most of my life savings! 
I need someone to please help us. 

My name is XXXX XXXX and my phone is ( XXXX ) XXXX and my email is XXXX. 
I need assistance in recovering my money Thank you for your time Sincerely 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 2020-02-22
Company: USI Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
T a t/c on XX/XX/XXXX stating that it was a call to collect a XXXX Visa balance from XX/XX/XXXX in the amount of {$14000.00} w/interest. I stated I never had such a card and it was never on my credit history the person whose name is XXXX XXXX ( unknown if that is her real name ) became  aggressive and said I should be thankful it wasn't and they can do a search of my " assets '' to satisfy the balance. She then transferred me over to a man ( name unknown ) to used a strong arm tactic to obtain my bank info. STUPID ON MY PART I know. They both said if I paid {$3000.00} the account would be settled and pulled the money from my account. I received an e-mail which contained a letter that asked me to " ACCEPT ' the terms however in order to read the letter I would have to accept first. I refused and sent the e-mail to spam. I contacted all credit card companies and have no outstanding balance with any, The representative at XXXX Mrs. XXXX went back to the beginning of time and validated that fact. I called this company back and became angry and very aggressive with them for their SCAM on me. The company is called USI Solutions and their address is : XXXX XXXX XXXX, XXXX, Pa., XXXX, their phone number is XXXX. I am ashamed and angry that I fell for this and would like your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: LEXISNEXIS
State: NC
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 that should be on the report is missing

Complaint:
XX/XX/2020 I received a payout from my homeowners insurance of {$8200.00}. This was for damages caused to my home and out building due to a tornado that touched down less than 20 foot from my home. My roof on my home was leaking, shingles pulled off and my building was missing the doors, tin from the roof and post were knocked from the ground. I didn't ask for {$8200.00} to be issued to me, that was the adjustors choice. Why am I being penalized for using my homeowners insurance? 

The outbuilding is not listed on the claim and I felt it was important for it to be known the total damages was not all on the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX continues to misapply payments made in each month to my loans with the company. The most recent representative called me to say I did not make a payment in XXXX of XXXX, when I made a payment this month. Also, the representative before her told me I didnt make a payment in XXXX of XXXX, when I made a payment to XXXX XXXX in that month as well. Moreover, a XXXX XXXX representative called in XXXX of XXXX to place me into a forbearance program as long as I initiate automatic payments out of my account. I agreed and preceded the contractual agreement over the phone. After the forbearance period, there was not a payment automatically pulled from the account. I had to call XXXX XXXX and inquire about the missed auto-debit when I was informed that I never qualified for the program to begin with and therefore I was liable for the forbearance period. I spoke to a manager in the call center who promised a call back, but never called back. This has resulted in late payment reporting on my credit report and interest charges due to payments being considered late.

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 2023-05-26
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: Account status incorrect

Complaint:
a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2021-09-28
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XX/XX/XXXX, I notified Best Buy that I did not agree to a monthly charge for debt protection program. Customer Service Rep told me that I signed up for the service in XX/XX/XXXX when I opened the account. This is a deceptive advertising because I did not agree to this monthly charge. I asked the rep to remove monthly charge from my account and to refund all the months I received the charge. Rep indicated that it would take 30 days for a decision. I received a letter after 3-4 days indicating that I would not receive a refund. I have researched the internet and found that in XXXX Best Buy Citibank was supposed to refund all customers for this deceptive practice for debt protection. I do not recall receiving a refund and dont understand why they did not remove the service from my credit card. I would like a full refund from all the months I incurred this charge.

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 2023-08-22
Company: Experian Information Solutions Inc.
State: MS
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:
I have attempted to resolve by phone and by mail XX/XX/2023, XX/XX/2023 to no avail. 

Per the Family Educational Rights and Privacy Act ( FERPA ) as a federally protected consumer, I am now revoking all authorization I, the consumer may have given you written, non-written, verbal, and nonverbal per 20 U.S.C. 1232g ; 34 CFR Part 99.

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I filed a dispute with all 3 credit bureaus they failed re remove the accounts affected by identity theft within 4 days per FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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 ALL REQUIRED PAPERWORK SENT CERTIFIED MAIL USPS

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