BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
-On XX/XX/XXXX, I tried to deposit a check in the amount of {$8900.00} through Wells Fargo XXXX XXXX  and received and error message stating that I was over the {$5000.00} daily mobile deposit limit. 

So I went to Well Fargo Branch # XXXX XXXX to deposit the check along with requesting {$250.00} cash back from transaction. The teller gave me my cash and advised that there would be a temporary hold on the check but I will have access to all of the funds XX/XX/XXXX. 

I received a printed receipt showing that {$8700.00} would be delayed XXXX business days and that the date funds would be available is XX/XX/XXXX. 

XXXX XX/XX/XXXX I received an alert through Wells Fargo XXXX XXXX XXXX XXXX Deposit Hold Alert Deposit Date XX/XX/XXXX Deposit Amount : {$8700.00} Amount Delayed : {$8700.00} Hold Reason : Unusual Deposit Account Activity Date Funds Will Be Available : XX/XX/XXXX -As of XX/XX/XXXX, I still do not have access to my funds. I contacted Wells Fargo and was advised by ( XXXX ) supervisors that XXXX  XXXX XXXX was holding up funds. 
Then a second supervisor stated that the issue was with the company that issued payment. Which was flat out lies. 

XXXX  XXXX XXXX and the party that issued payment confirmed confirmation that the check cleared. They also provided the BOA Sequence # XXXX along with WF transaction/sequence # as XXXX. 

This has caused a domino effect my transactions and use of my checking account in an attempt to cause me to incur overdraft fees. Wells Fargo is being deceptive in their business practices and illegally withholding my 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 2022-07-11
Company: Experian Information Solutions Inc.
State: OH
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 Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
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:
According to FCRA section 611, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. You should not report any allegations that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your allegations are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims are unverified and require further investigation. Please report any verified claims immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is a followup t o CitiBanks  response to my complaint  XXXX , which you sent to me yesterday. As a result, CFPB decided to close the case. Please reconsider your decision after you review my response as follows : Lets make it clear : I, the consumer, have never expressed or denied my liability or responsibility to pay with Home Depot credit card for the proposed project. As a result, I agree with  CitiBank  that you provided a representative of  XXXX   XXXX   XXXX , with your credit card information, including your account number and expiration date, thereby assuming liability for any resulting charges. The only issue here was when and how to pay.     The hand-written agreement signed  on  XX/XX/XXXX  stated : Buyer   agr ees to pay for job in full at time of construction completion & final inspection There was no mention of payments by installment.      1 ) Th e  XXXX  card purchases were conducted by a third party without my acknowledgement and authorization.      2 )  The card usages were not related to the project. Based on my investigation, the cabinets were ordered with cash from the  contractor  a t Home Depot in   XXXX , NJ. According to the receipts you attached, the card transactions were completed at  Home Depot  in   XXXX    XXXX , NJ.      3 ) Pe r Consumer Affa irs Rule, N.J.A.C. 13:45A-16.2 ( a ) 10.ii, Final pay ment to t he contractor is not required to be made before a final inspectio n is performed. Although the  contractor obt ained the complete card info, it was agains t the Law  to take the last payment before the project was even completed.     Lets make it clear again that the store credit of {$4900.00} posted on   XX/XX/XXXX  c ame directly from the  contractor as t he  XXXX  must have realized the consequence if they failed to make a correction.

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/XXXX and XXXX, XXXX  and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns because I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2017-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted several complaints in regards to the deletion of obsolete credit reporting on my credit file. Transunion is also reporting incorrect payment history with this obsolete account with  XXXX   XXXX , account number  XXXX . I have not been late. I am within my rights as per FCRA to have old account stemming from  7-10  years of age removed and this old account fslls within thst category. Transuion should have removed the old account ; is too old to be on credit file ; however, since  Transuion  did not remove the account, I requested for deletion. I also requested verification of form of dispute and who verified the dispute. I requested this information so if the old debt is not removed from credit file, I will have the information when I seek legal representation for the removal of the outdated account

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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 was dated XX/XX/XXXX 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. 

XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00}, XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1500.00}, and XXXX XXXX  XXXX. XXXX Date Opened XX/XX/XXXX XXXX {$270000.00}.

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 2022-04-03
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a claim with PayPal Credit for an amount of $ XXXX for a XXXX XXXX transaction. I placed an order online that never was picked up. PayPal Credit ( Syncrony Bank ) denied my claim with no clear reason, I never received an explanation of why my claim was denied and the credit was reversed to my account. I called Syncrony Bank and XXXX account manager did not have a valid reason, he said that XXXX XXXX provided documentation and they want something from me. I explained XXXX that there is not documentation to provide at my end. I placed an order online to pick up, the following are the terms from XXXX XXXX in regard of this kinds of orders : XXXX XXXX XXXXXXXX? XXXX Here 's how it works : During checkout, choose Store Pickup and select your store We'll show you an estimated pickup date Place your order and wait to receive a " Ready for pickup '' email ( this is a separate email from your order confirmation ) Bring your ID, credit card and order number to the store and pick up your items We'll hold your items at the store for 5 days ; if you don't make it in by then, we'll cancel the order and refund your method of payment If you cant pick up your order within 5 days and you dont want it to be canceled, check your order details for extended pickup options. 

Will asked for proof that I canceled the order, but the terms an condition in regards a cancellation for this kinds of orders are the following : Changing or canceling Store Pickup : If necessary, you can change or cancel your Store Pickup order. 

Time frames to keep in mind : To switch from Shipping to Store Pickup, let us know within 30 minutes To switch from Store Pickup to Shipping, let us know within 5 days You can cancel a Store Pickup order anytime Well hold items at the store for 5 days if you dont make it in by then, well automatically cancel the order If you cant pick up your order within 5 days and you dont want it to be canceled, check your order details for extended pickup options https : XXXX? XXXX - Per terms and conditions, I am not required to call to cancel the order, as the order gets cancel automatically after 5 days if not picked up. I did not picked up the order, and XXXX XXXX is refusing to refund my payment method.

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 2023-03-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a third Follow-Up Letter ( XX/XX/XXXX ), and a Fourth Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ). In total, I have sent four letters asking for a correction to my credit report.

To date, I have had to dispute incorrect medical collections along with inquiries that are not mine four times. On different occasions, I have received responses from all three credit bureaus with resolutions being removed/deleted from my credit report. 

The inquiries 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 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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XX/XX/XXXX Credit Inquiry Dispute - Removal of misleading information Dear, TransUnion Consumer Solutions, I am writing to dispute certain credit inquires listed on my credit report, which I believe contain misleading information. These inquires were made by XXXX XXXX, XXXX XXXX and XXXX. I have already contacted these companies, and they have acknowledged that the information in question is fraudulent. They have taken the necessary steps to delete this information from XXXX and XXXX. I kindly request that TransUnion takes similar action and removes these inaccurate entries from my credit report as well. I have always been diligent in managing my financial affairs, and it has come to my attention that the inclusion of these fraudulent inquires on my credit report is significantly impacting various aspects of my life, it is crucial for me to maintain an accurate credit profile. 


To support my dispute, I have included the following relevant details : Creditor Name : Factual Data Date of Inquiry : XX/XX/XXXX Account Number : No Account Creditor Name : XXXX Date of Inquiry : XX/XX/XXXX Account Number : No Account Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account Number : No Account

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 2023-01-18
Company: Experian Information Solutions Inc.
State: NJ
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Sezzle Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I tried contacting XXXX XXXX after receiving a letter in the mail in an attempt to collect a debt in which I sent an email as one of the methods indicated for the dispute in regards to dealing with a third-party app named Sezzle not working on my behalf to deal with a fraudulent merchant that they sponsored on their website. The email was sent on XX/XX/XXXX, and they have yet to respond to my dispute nor acknowledge that they received my dispute. A week following I sent a follow-up email which they also have not responded to. The amount requested is {$760.00} which I deny and do not accept as a charge being that the merchant whom I purchased from was not as described and was not up to the company 's promise or standards. 

A quick background on the debt : I made a purchase in XXXX of XXXX and have dealt with negligence from the merchant from the very beginning. I have called and been strung along, emailed over and over, and even contacted Sezzle, the third-party payment app to contact the merchant as well. Sezzle denied after several attempts to handle the situation or contact the merchant after getting no response from them either. Sezzle began to get very upset with me for contacting my original payment card used to dispute the charge due to fraud and mislabeling from the merchant on top of negligence and stopped offering to help me. After months of requesting a refund and offering to return the item for my funds to be returned, the company changed their refund policy online and I was not able to retrieve my funds due to this being a new term they added after my purchase and after my complaints. XXXX also has deleted my warnings and reviews from their online websites and social media accounts and only keeps positive reviews. I have reported the merchant to the XXXX  and I was informing Sezzle of this negligence and constant fraudulent behavior constantly and even requested that they would remove this merchant from their app as a form of punishment. Instead of helping me as a consumer, Sezzle wanted to keep the merchant happy and was instead asking me to handle the situation on my own after months of no response and being at a standstill they have reported my debt to XXXX XXXX who are requesting for me to pay them the full amount before XX/XX/XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I AM A NATURAL PERSON. I HAVE TIGHTS UNDER 15 USC 1681. MY CIVIL RIGHTS WRE VIOLATED NUMEROUS TIMES AND I AM REQUSTING/ DEMANDING THESE INQUIRY ACCOUNTS/ COLLECTIONS BE REMOVED XXXX XXXX NA XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ARE NOT MY ACVOUNTS, WHICH LOWERED MY XXXX XXXX, HIGHER INTEREST RATES, PLEASE REMOVE THESE INQUIRIES/COLLECTIONS

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