BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
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:
As of XX/XX/2022 credit reporting agency XXXX continues to violate my federally protected rights under the Fair Credit Reporting Act 15 USC 1681 by reporting fraudulent consumer credit transactions that are due to identity theft. 15 USC 1681c-2- Block of information resulting from identity theft states that 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 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. Having this knowledge XXXX needs to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy by immediately blocking the accounts that are a result of identity theft from my XXXX consumer credit file and report. The purpose of the Fair Credit Reporting Act is to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 USC 1681. I have attached all requested proof of identity, a copy of identity theft report and notarized identity theft affidavit, identification of the identity theft information that appears on my XXXX consumer credit file, and a statement by me the consumer that the information is not information relating to any transaction by me. 

I AM A VICTIM OF IDENTIY THEFT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: CHARLES SCHWAB CORPORATION, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023, somebody got into my checking account, transferred {$5000.00} to my joint tenant brokerage account, and then proceeded to successfully wire {$3500.00} to what I assume was their own bank account. They attempted to wire more money out, but luckily my bank ( Charles Schwab ) blocked these wires from going through. Charles Schwab immediately contacted me in order to get me a new debit card, submit a police report, and fill me in on what was to happen moving forward. They stated that their fraud department would begin an investigation into what happened. They stated that the investigation could take up to 90 days to be completed. 
Well, as of today, it has been 90 days. I have yet to be updated on anything related to the investigation. Since XX/XX/2023, I have contacted Charles Schwab in relation to this investigation on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. These were all calls, but I also contacted them on other dates over online chat on the bank 's website ( of which I have no records of ). In all of these instances, the representative would tell me that they'd contact the fraud department and ask for an update. Each time, I also asked about the likelihood of me being able to receive my money back that was stolen. They would state that I SHOULD get my money back, but that they couldn't GUARANTEE it since it was not their expertise. During these past 90 days, I never received a call or email back from the representatives or fraud department. 
What should I do? I don't see how I could possibly be in the wrong here. Should I take this to court? I do not know. I am just a college student at the XXXX XXXX XXXX XXXX XXXX. This money that was stolen is part of my scholarship/grant/student-loan money. I utilize this for paying for my way through school... I really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: BB&T CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I visited a local lawn mower store by the name of XXXX XXXX. I received a quote for a lawn mower for {$10000.00}. As of today, XX/XX/2019, a loan was submitted on my behalf, without a binding contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have attempted several times to correct this in accurate reporting and this company has failed to do so which is a violation of my consumer rights. I am entitled to an accurate report according .I have attempted several times to correct this in accurate reporting and this company has failed to do so which is a violation of my consumer rights. I am entitled to an accurate report according to the FCRA everything must be 100 % accurate 100 % verifiable and 100 % complete. Pursuant to 15 USC 1681i ( 7 ) I have requested the description of procedure and have not been provided this 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
Consumer complaint received 2022-06-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On or about XX/XX/XXXX my son, husband and I opened a business checking account with a Wells Fargo representative via telephone. We submitted required documents via XXXX ( including all of our driver 's licenses ). We were notified that the application process was complete and we began receiving deposits and paying bills from this account on a regular basis. In XXXX we were notified that they did not have acceptable documents on file to verify my identity and that I would have to go to a branch office with ID. On XX/XX/XXXX I called Wells Fargo customer service immediately to ask what the issue was and to tell them the closest branch office was XXXX XXXX hours away. They were not able to explain why suddenly there was a problem. After XXXX hours, being disconnected 3 times and going through 4 levels of customer service I finally spoke with someone who reached out to a branch manager at the XXXX XXXX XXXX ( apparently this is where our account that was opened over the phone resides ). I was told I could fax my ID to this branch. I did so at XXXX p.m. on XX/XX/XXXX and have in my possession transmission confirmation. I also tried, unsuccessfully to contact that branch by phone but could not get through. On XX/XX/XXXX we logged into our account and discovered it was closed. A payment we made the night before did not go through and our {$1600.00} balance was not available to us. After several calls to WF customer service, I spoke to XXXX XXXX. She reached out to the XXXX XXXX branch, they were unable to say why my profile was not updated when the fax was received on XX/XX/XXXX. I faxed the information again on XX/XX/XXXX ( with proof of the transmission ), expecting that Wells Fargo would be able to reverse their errors and get the account reopened that day. Instead, I was told it would take 24-48 hours for the back office to update after the branch uploaded the documentation. XXXX tried to get through to the branch via phone to confirm they received the fax, but was unable. A complaint was opened, but today is XX/XX/XXXX my account is still closed and my money is unavailable to me. Everyone I spoke to said due to their " protocols '', there was nothing they could do to get my account reopened right away, despite the fact that they closed it due to their own errors. So far I've received a note from consumer advocacy that they've received my concerns on XXXX and then today I received notice from WF that my account is closed! This is unimaginable to me. They clearly mishandled my account with their repeated errors and have done nothing to rectify this with the urgency it deserved. I adamantly believe that both the XXXX XXXX branch and the consumer advocacy department need to be held accountable and that no one else should have to experience this.

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 2021-06-09
Company: Dovenmuehle Mortgage, Inc.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have an FHA XXXX loan with Dovenmuehle which is being serviced through XXXX XXXX. 

Due to either negligence ( or outright fraud ) by the HUD consultant assigned to my project by XXXX XXXX, the bank approved and allowed release of approximately {$63000.00} of my project escrow funds to the contractor which he then took and did not use on my project. The funds were released for project funding categories that the HUD consultant said work was completed, or that materials were ordered, where this was not the case. 

The HUD consultant also signed off on work where the contractor has caused damage to the structure of the house that now needs repair and for work that was done incorrectly and has to be redone and repaired. This has left my escrow account with inadequate funding to complete the needed renovations and repairs for my project. 

Thus far, XXXX XXXX has told me that I will just have to try and complete my renovation with the remaining project funds, which is unacceptable as well as impossible. and the renovation has left the project at a stage that no other contractor wants to take on without charging a premium. Also, costs of materials have risen since my contract was bid which would make it hard to complete the project even without the theft of $ XXXX from the escrow account. My house is just sitting now in danger of vandalism ( you name it ) and my project has lingered now for over a year ( closed on XX/XX/XXXX ). Ive been paying the mortgage faithfully for a house I cant live in which is emotionally and financially draining. 

I filed a complaint with HUD earlier this year in XXXX and they have completed their review and came to the conclusion that the bank is fully responsible for both the mishandling of the escrow funds as well as the HUD consultant. I got a response from HUD on XX/XX/XXXX that stated they were sending a directive to Dovenmuehle telling them they are responsible for the mishandling of the escrow funds ( and the consultant ) and that they need to determine to next steps and to comply immediately. Ive not heard anything or been offered any assistance and resolution as of today from the bank regarding this directive. 

I should not be required to pay for the mishandled escrow funds by the bank in my mortgage to the tune of $ XXXX with interest over the life of my loan. This to me is just a ludicrous notion. The fact that they just tell me I will have to try and complete the house with the remaining funds is insulting and negligent on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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: Personal information incorrect

Complaint:
I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses and names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, IL. The INCORRECT name that should be deleted is XXXX, XXXX, XXXX. 


I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A ACCOUNT WITHOUT MY WRITTEN INSTUCTONS

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX, has violate my rights.15 USC 1681section 602 states I have the right to privacy.15 USC section 604 A section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions.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 purpose.

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 2022-03-06
Company: PNC Bank N.A.
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: Account status incorrect

Complaint:
On XXXX we received an email from our Credit monitoring service that an account with PNC Bank that we just had pay them off on XX/XX/2022 that the account was 60 days past due, when in fact we have not been late on the account in over one years. We called the Company right away and told the rep. what just happen, and he was unable to help us, he just stated that we have to dispute the entry. This account was purchase from XXXX bank and since they purchase the account over a year ago, we have not been late. It is unfair for PNC to report something that is not true and make it seems like it just happened recently when it did not. By them reporting the way they do it took our credit report down XXXX points. 

Below are the statements for payments in the last year

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: CITIBANK, N.A.
State: RI
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 had an XXXX dollar balance with AMEX/CBNA they have had me showing a balance since XXXX when closed account. But never realized this and its XXXX dollars. 

I just paid this but would like the XXXX dollars removed from my history as delinquent as did not have or was not given notification had this balance. 

There is no reason should have had this on my credit report. Its absolutely erroneous and needs to be removed as negative impact. 


Credit usage 2 % Balance {$8.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Credit Card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO XXXX XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO - PAYMENT XXXX XXXX On Time CO Charge off - Data Unavailable

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 2023-04-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was trying to debt consolidate and move the amount I owed on the Wells Fargo credit card to my other credit card. I had first try to do it online but then the process was rejected and so I called and they told me I had done it wrong. On XX/XX/XXXX. I had an employee complete the transaction for me so that it was done correctly. Then for me that I should have no problems, and that everything was done correctly. a couple days later on XX/XX/XXXX my card was closed with no explanation. They claim they sent out mail but there is no way they could have sent mail and I had received it within just a couple of days. They said it was because of those two attempts to move the funds It was considered fraud. Again, I was not aware a bank was able to just close that account without calling or making sure if it was fraud. I explained that to them and no one ever got back to me. I kept calling and calling and calling and no one ever had any answers. Since then I have gone through financial struggle and my credit completely plummeted. I want to take legal action, but I was in the middle of having my first child, and I had too much to deal with to keep calling and haggling with them when they knew it was their fault. Below is a list of all the conversations and times that they should have even on their record. They record phone calls, so they have this on there and also. I have been a customer since XXXX and it is extremely heartbreaking All my hard work has gone to waste. 

Called to complete transaction : - XX/XX/XXXX Card Closed - XX/XX/XXXX ( Mailed of info about card ) Case Opened - XX/XX/XXXX Case Closed by bank - Case # : XXXX - XX/XX/XXXX ( XXXX ) XXXX Case was closed because the issues was resolved - Only point of contact or follow up was through mail Follow Up Call - XX/XX/XXXX - new case # created : XXXX - Intake group department # to follow up XXXX - Hours : M-F XXXX central time - Will be contacted within 10 days, stated by employee

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 2022-03-06
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I sent money to someone I know for tickets. the seller said the payment didn't go through so I sent it again. the agreement was the seller would refund it but in the end was unwilling to. I filled dispute with asperation bank and cashapp/ block did not assist me. 

claim you had mentioned in regards to the {$750.00} payment on XX/XX/XXXX. 

The claim you had filed about this transaction on XX/XX/XXXX is claim # XXXX. At this time, we've addressed the transactions you gave originally and have completed our investigation and closed this claim. 

Cash App is unable to cancel or refund this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: ENCORE CAPITAL GROUP INC.
State: TX
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 ask at this time to terminate the lawyers that you hired to process a summary judgment against me, as this firm simply violated my right by not serving the necessary complaint. I am open to negotiate directly. Please feel free to call me directly, and leave a call back message in case I can't answer. I did call in with an agent and was given three different settlement offers, so your company is open to this. I also requested a true copy original of the Bill of Sale, showing true ownership of the debt. XXXX XXXX

Company response to consumer: Closed with explanation