BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I am writing to file a formal complaint against Wells Fargo Bank for their dismissive response to my dispute and their gross negligence in assisting me to recover the funds lost due to fraudulent activity. 
Furthermore, I am appalled by the bank 's lack of proper due diligence that enabled a significant transfer for cryptocurrency purchase without adequate scrutiny into its legitimacy. 
I initiated a dispute concerning a transaction of {$170000.00} from my Wells Fargo Bank account to the entity " XXXX XXXX '' ( SCAM ) on XX/XX/. This transaction was undertaken without my authorization, and it subsequently became evident that " XXXX XXXX '' is a known fraudulent enterprise, preying on unsuspecting victims for financial gain. A warning issued by the Financial Commission further substantiates the illegitimacy of this entity, indicating a pattern of deception and fraud. 
Having been a dedicated and trusting customer of Wells Fargo Bank for an extended period, I have held an expectation of security and safeguarding of my transactions. The incident involving the transfer of a substantial sum to a fraudulent organization with minimal investigation is an alarming breach of the bank 's commitment to ensuring secure banking services. 
I demand Wells Fargo Bank to take immediate action in resolving this issue. The bank is obligated to refund the entire sum of {$170000.00} back into my account promptly. Furthermore, I insist that Wells Fargo Bank conduct a thorough and exhaustive investigation into the matter. The purpose of this inquiry should be to determine how such a transfer was permitted to occur without requisite scrutiny and to establish robust measures that prevent such incidents from recurring. 
It is the unequivocal responsibility of Wells Fargo Bank to protect its clientele from malicious financial activities. I urge the bank to treat this matter with utmost seriousness, addressing the issue earnestly to provide the full restitution of my funds. As a longstanding patron, I anticipate the bank to demonstrate transparency, dedication, and resolve in rectifying this situation. 
I implore your office to intervene in this matter and to ensure that Wells Fargo Bank undertakes the appropriate actions to retrieve my funds. I insist that the bank 's approach be proactive, comprehensive, and effective in preventing such episodes from arising in the future. 
Kindly apprise me of the status of my complaint and the ensuing actions taken by Wells Fargo Bank. 
Timely resolution and appropriate compensation are of the essence in this matter. 
I await your prompt response and a satisfactory resolution to this grave issue. 
Thank you for your immediate attention to this formal complaint.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

Please correct these accounts : XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00}

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
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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 2022-05-27
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Vystar has started updating their systems-supposed to take a very short time to complete... however it has now been several days! Starting XX/XX/XXXX. 
No access to MY money unless I drive to Vystar everyday which I am unable to do at this time unless Vystar wishes to compensate me for gas.I went to Vystar XX/XX/XXXX and was only given a printout through XX/XX/XXXX. My card along with my sons debit card, has been declined when there is supposed to be money in our accounts. I attempted to buy a XXXX at the hospital when my grandchild was sick and my card was declined for $ XXXX-how RIDICULOUS! Luckily I had my wife 's XXXX debit card and was able to buy something.They keep saying on social media that our money is safe and accurate-how do we know if we can't look at it??? Do we just accept their word for it?? When I have been able to use my Vystar debit card, it has been blindly-I have no idea of my balance. I have upcoming bills to pay and I need to be able to 1 ) go back and check to make sure my acct is correct since XX/XX/XXXX 2 ) I need to be able to see my balance, my deposits and deductions. We are no longer in the 70 's or 80 's when our parents used a check book register to keep up with our money-If I had known this would turn out like like this I could have gotten a print out of everything BEFORE they started their updates on XX/XX/XXXX so my life wouldn't be so difficult now. In this time, almost everyone does online banking so what happens when we are basically restricted from our money?? I know Vystar thinks it's no big deal, just drive to your closest branch every day or your closest ATM. But why? Why??? I have been with Vystar for a long time but it looks like I will have to look at other banking options just to pay bills!! And that means, I have to not only change my direct deposits for my wife ; s employment but for income taxes also. Why is it okay for Vystar to be this incompetent but we have all the stress and burden?? Also, Vystar tells everyone to use XXXX XXXX, well guess what? XXXX XXXX doesn't work either. Myself, & children have tried. Check out Vystars posts on XXXX and you will see other people who have the same issues and complaints.Please check out interview with Vystar executive XXXX XXXX who also sits on the board for XXXX who is the company that was hired to do this hot mess of a update for Vystar, 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 2023-03-23
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX, Account : 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 15 U.S.C 1681 ( 2 ) ( a ) ( i ) States exclusions on " consumer report '' does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Form 1099-c must be filed regardless of whether the debtor is required to report the debt as income.

According to the IRS a charge off is considered income and not debt and a 1099-c must be filed along with taxes. 

Section XXXX of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete.

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 2019-10-26
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account in XXXX Citibank branch at XXXX. The branch teller XXXX told me if I opened account I can get XXXX cash bonus when I keep XXXX in 60 days. So I opened accounts and finished their requirement. I also received Citibank email to confirm my account will receive the bonus in 30 days at XXXX. Between 30 days I contacted their customer service to double confirm I will get pay soon. I wait for the last day to get nothing still. I called them again, but they changed story now. They said I already got pay for a XXXX thank you points. So they denied my XXXX bonus. What? I never received any thank you points. And I didnt even enroll XXXX thank you points offer. So I went to the XXXX branch where my account opened. Another teller told me XXXX not work here anymore. He didnt know what happened. So I felt I was been treated like football. They kicked me each other. I think they offer me this promotion to me, they should honor 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 monetary relief
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX I have already submitted a complaint About Bank Of America Freezing and keeping my money {$9000.00} dollars that I Have tried Multiple times to personally resolve issue by Providing documentation on how I legitimately received the money I called many Multiple times to customer service spoke to I believe every department from fraud to risk dept, cheak holding, ect.ect. Ending up with the same outcome everytime No Clear explanation or Answers as to where my money went or why I have yet to get it back because of this I have become Homeless Not having access to this money I was unable to pay rent and myself and my XXXX yr old son have No Home And Struggling to find housing FOR this reason I am in Desperate NEED and Want My Money I already have a complaint filed to Bank Of America which their response was they are working on it they have been working on my issue since XX/XX/2021! What is there more to work on? My original account was frozen and closed after their " investigation " to where they found Nothing proving the money was gained fraudulent ANYHOW they keep saying they are working looking into it and honestly I see no problem to keep looking into? I was contacted via email from a XXXX XXXX who claimed would be my point of contact until issue is resolved she provided a phone and extension to reach her but when I call it is not reachable number so I tried getting a hold of her through customer service and was advised she would contact me the following day it has been XXXX  days since then and I have yet to receive a phone call or email from her or anyone I feel I am still getting the run around and my issue is not being addressed seriously which I believe it should being my son and I are homeless and need my money back I also feel that my next approach should be civil suit for loss and damage I really hope Bank of America would acknowledge the severity of my issue and address it Thank you once again. 
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 monetary relief
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, XXXX and Equifax are reporting supposed late payments on my behalf which I didn't give consent to do. In accordance with the fair credit reporting act, this creditor has violated my rights, under 15USC1681 Section 602 states I have the right to privacy, 15USC1681 Section 604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction, under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently saw this account added to all three of my credit reports, but have no knowledge and have received no notification of the debt. On my XXXX   credit report it is listed twice as a collection and once as an active account in good standing. I don't understand this as I have no contract with this company. I have not received any written notification and have not been provided an opportunity to request verification and/or validation of this debt. I have no contractual agreement with XXXX XXXX  at all. They are in violation of the Fair Debt Collection Act. I have now made disputes through XXXX, XXXX, and XXXX. They must validate, verify, prove all debt with 100 % accuracy and they have not. They are violating the Fair Credit Reporting Act. XXXX XXXX must provide proof of any debt that I allegedly owe with copies of any contractual agreements bearing my signature. 2 weeks ago I called them asking to see this " collection '' and have yet to receive any information. They indicate I owe {$970.00}, but when I talked to an employee there he said they can lower it to ... so right there, they are reporting wrong. I was never given notice of this collection. I never signed anything with them and I also was not given the 30 day period to respond before the collection was added to my credit reports. It just showed up about 3 weeks ago within a few days of each other, and shows it has been reporting sinceXX/XX/XXXX, which is incorrect as this same debt was being reported by another agency and this was removed from ALL of my credit reports just last month, which means they are stating they were engaged in duplicate reporting. This needs to be removed IMMEDIATELY or as others said, I have no choice, but to sue them and bring them to court. XXXX is in full violation of the law and this needs to be taken today. I am also advising concerns that they do not have my proper info. They were not able to verify my correct address or refused to and wanted me to do so and I have not received any information from them regarding any recent activity from phone calls and or their supposed debt purchase and entry of information onto my credit reports for all 3 reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: VA
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've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX, 2021, which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation