BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: Early Warning Services, LLC
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My bank XXXX XXXX XXXX  informed me that I cant use Zelle through XXXX XXXX XXXX  because Zelle has put a permanent restriction on my phone number : ( XXXX ) XXXX and my email address : XXXX, even though, I have never had a Zelle account. I have never used Zelle or had an account with Zelle through any bank or credit union that offer Zelle services. So my phone number or email address shouldnt be restricted and I should be able to register my phone number and email address with Zelle through my participating bank. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have tax escrow account through US Bank for my mortgage. I was issued the escrow check in XX/XX/XXXX and paid the county once it was XX/XX/XXXX for tax purposes. I forgot about the check and ended up sending it in 8 days late, which was my fault. The bank stopped payment on the check, I believe on XXXX XXXX, without talking to me to see if it was paid. I was assessed {$150.00} in interest and penalties which I am fully responsible for. My problem is that once the payment on the check was stopped, the bank then assumed responsibility to pay the taxes since they still held my escrow. I called the bank immediately upon receiving notice that the check was stopped and they assured me that they paid it. The county did n't receive the payment, so I called the bank again the following week. I was again assured that they sent a check, it still was not received by the county. I called a third time and was told that the check was sent to the county on XX/XX/XXXX and I would incur no more interest or penalties from the county because it was postmarked before the second month that it would be late. They did n't actually send a check to the county until XX/XX/XXXX, resulting in a second month of interest and penalties of {$150.00} which I should not be responsible for. There was absolutely nothing that I could have done to prevent the second month of interest and penalties other than call them repeatedly, which I did, because they held the money to my escrow. Instead of taking responsibility for the second {$150.00} charge, they took the entire 2 months of interest and fees from my escrow account. I called the bank a final time today, XX/XX/XXXX, to resolve the issue and I was escalated to the manager who refused to accept any responsibility for the late payment and hung up on me mid sentence. Every time I call, US Bank verifies my phone number, so the hang up could not have been an accident because they did n't call me back. I see no other recourse other than to file this complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I have repeatedly provided IQ Data with my bankruptcy paperwork, and XXXX with the paperwork required. This was on my bankruptcy in 2008 and has been discharged. No matter how many times I tell these people this has been discharged they will not saying it is an open collection and will not remove it from my credit report. The people are rude and aggressive and I have had enough.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Account opening, closing, or management

Complaint:
Visited the Wells Fargo Bank at XXXX XXXX XXXX. XXXX, Georgia XXXX to cash a check in the amount of {$120.00}. The check was drawn on the Wells Fargo Bank. I was asked to present XXXX forms of ID and a " Thumb Print '' on the check. After a few minutes, I was then asked if I had an account at their bank. I told them that the check was drawn on their bank and that I was doing electronic work for the owner of the checking account. The bank told me that there was a {$7.00} dollar charge for cashing this check, and if I opened an account, there would no charge to cash the check. I am XXXX years old and I did not like the high pressure tactics used to get me to open an account at the Wells Fargo Bank. No signs were displayed anywhere in the Bank to let the public know of their policy and charges for non customer check cashing. Just the high pressure sales pitch!

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 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed inaccurate information that was being reported by XXXX different creditors on my consumer reports with the XXXX XXXX XXXX TransUnion, initiated over 6 months ago, and I never received any correspondence that the investigation was started or completed and there is no evidence on my recently ordered credit reports that an investigation was ever conducted. It is my right under the Fair Credit Reporting Act to dispute inaccurate information. I sent letters to dispute inaccurate information on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to no avail.

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 2015-10-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX owner is cancelling credit card processing service with the XXXX. As a part of XXXX XXXX cancellation process it is charging {$290.00} cancellation fee because 3 year of service term which according to my card processing application does n't indicates. I believe is not a fair charge & seeking to reimburse it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016, we contacted Wells Fargo Customer Service by phone and asked for our XXXX Wells Fargo accounts to be closed : a Checking account, a Balance Plus account, and a Wells Fargo Advisors account. The customer service representative told us that the accounts would be closed immediately and verified our mailing address so that they could mail a check to us for any remaining funds. On XXXX XXXX, we received two letters from Wells Fargo. One letter, from the Deposit Products Group, dated XXXX XXXX told us they were converting our checking account from a PMA account to a Wells Fargo Everyday Checking Account and included a list of fees. The other letter, from Wells Fargo Advisors, dated XXXX XXXX, was a PMA Benefits Expiration Warning and a list of fees. Apparently, Wells Fargo has not honored our request to close our accounts. Instead they have converted them to some other types of accounts that we did not request. We would like to get Wells Fargo to close our accounts, refund any fees they may have charged since XXXX XXXX, and send any remaining funds to us.

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 2023-01-09
Company: EQUIFAX, INC.
State: MI
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 BANK acct # XXXX. the Credit reporting agencies are reporting this account inaccurately. I've reached out multiple times. they are breaking federal law. According to 15 u.s.c. 1681a ( 2 ) ( b ). it clearly states the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In accordance with the fair credit reporting act, XXXX, XXXX, and Transunion has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 USC 1681 section 602 A states I have a right to privacy. These addresses do not belong to me : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX, La 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 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS/BANKRUPTCY AND INACCURATE INFORMATION from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: Self Financial Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am contacting you to urgently address and rectify a significant error in the credit reporting by SELF/XXXX regarding my account ( Account # : XXXX ). This error pertains to late payment entries that have been inaccurately reported, constituting a clear violation of my consumer rights and a breach of the Fair Credit Reporting Act ( FCRA ). 

Immediate Rectification Required : The credit report inaccurately lists late payments on my account as of XX/XX/2023. This reporting is erroneous and is a grave error on the part of SELF/XXXX. I have consistently managed this account with diligence and responsibility, and there have been no late payments. The continued misreporting has unfairly impacted my credit score and stands as a detriment to my financial integrity.

Demand for Immediate Deletion of Erroneous Entries : I am not merely seeking correction but the complete deletion of these false late payment entries. The persistence of this incorrect information is damaging and unacceptable. As a consumer, I am entitled to fair and accurate credit reporting, as mandated by the FCRA.

Background and Key Concerns : Inaccurate Reporting Despite Dispute : Despite disputing this information, which was acknowledged as meeting FCRA requirements, the resolution remains unfulfilled. The failure to rectify this error is an ongoing injustice. 
Negligence in Address Update and Consequential Risks : After informing SELF/XXXX  of my change of address following mail theft, they neglected to update their records, leading to severe consequences, including misdirected communications and increased risk of identity theft and financial fraud. 
Legal Stance and Consumer Protection Rights : Under the FCRA, I am legally protected against unfair and inaccurate credit reporting practices. The inaccurate listing of late payments on my credit report is a direct infringement of these rights. Moreover, this misreporting could be viewed as an act of negligence, or worse, willful non-compliance by SELF/XXXX. 

Psychological and Emotional Toll : This issue extends beyond financial implications ; it has caused me significant stress and anxiety, exacerbating the feeling of being wronged and powerless against a flawed system. 

Conclusion and Ultimatum : I demand that SELF/XXXX immediately delete the false late payment entries from my credit report. Failure to comply will compel me to take further action, including seeking legal recourse for the damages caused by this reporting inaccuracy. 

Your prompt attention to this matter is not only expected but required. I trust the Consumer Financial Protection Bureau will advocate on my behalf to ensure that my credit report reflects nothing but the absolute truth of my financial conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions Inc.
State: SC
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:
I mailed a Debt Validation ( 609 Letters ) dated XX/XX/2022 for verification of accounts listed under my name. This inaccurate information is giving a negative impact on my credit report. I also sent another letter for the method of validation. I have the right, Under FCRA that unverifiable accounts must be removed and it's been more than 30 days, I haven't received any response.

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 2016-05-02
Company: WELLS FARGO & COMPANY
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I have a bank account with Wells Fargo which are charging me fees so I want to close it and transfer the money to XXXX XXXX XXXX. When I originally tried to transfer the money disappeared, I contacted them and they said a bank check was sent ( which I did n't ask for ) and that they have to request it back which is going to take 10 business days to have the money in my account. First of all why are they doing a bank check when I am sending an electronic transfer? Anyway after some time the money appeared. I tried to transfer again, then I could n't because on-line banking would n't allow a transfer then I kept at it and find away to add XXXX as a bill payee. So, I tried to send a transfer then it said I did n't have enough money, then I figured out they were taking {$3.00} to transfer to I made it less. Almost at the stage of transferring and it says I need an access code to my mobile. Well I do n't have a XXXX XXXX anymore because I am in XXXX XXXX now. I tried to change my personal details and it wont let you change the number to XXXX. I then had to contact International toll free number, then it says you ca n't ring on a mobile! So I have to find a land line to use. I find one then the guy says to me I ca n't transfer it, that he ca n't give me an access code because I do n't have any security questions on file! I just ca n't believe the hassle with this, how hard is it to get my money out of this bank and put it in another. I have many bank accounts around the world and this is the only bank that at every step is stopping me taking my own money out. Also, they keep charging me fees. It 's two months now since I tried to take the original amount out. So, the operator says I may have to do a bill payment, when I go to set it up its says I ca n't. At this stage I 'm just so angry and having sent numerous emails to Wells Fargo with no proper solution I go in and change the mobile number to my friends. Well when I go back in to do the transfer, they have now stopped this service. I am just so sick of this bank, all I want to do is take my money out and put it in to XXXX XXXX XXXX. Surely they deal with people all around the world, you ca n't tell me they ca n't transfer money from one bank to another when someone is XXXX!!! I 've never had any problems with my other banks. I want to make a complaint because from what I can see, they are holding on to my money and stopping me taking it out. I just want my money and be done with this shocking bank.

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 2016-10-20
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Navy Federal Credit Union ( NFCU ) implemented improper debt collection practices in order to obtain payments for my NFCU VISA Platinum card from XX/XX/XXXX through XX/XX/XXXX. 
NFCU conducted the following practices during the timeframe listed : 1. Falsely threatened me with legal action and wage garnishment through verbal telephone communication and written correspondences. 
2. Falsely threatened to my contact commanding officer to pressure me to make payment to my delinquent account. 
3. Contacted my commanding officer on numerous occasions to ensure I made payment to my delinquent account. 
4. Illegally froze access to my accounts : disabling my debit card, ATM card, credit card, and online access to my checking account until payments were made

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX items on my credit report Trans Union refuses to investigate Chapter XXXX bankruptcy account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: PA
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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Kriya Capital, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to report CREDENCE RESOURCE XXXX with there bad business practices and violating my rights as a consumer and violate the Fair Credit Reporting Act. 

CREDENCE RESOURCE XXXX with account # XXXX, and a balance of XXXX I stated that I never receive a loan or receive service or products from CREDENCE RESOURCE XXXX, I have have no transaction experience with this company. 
As a consumer I have the right to request a copy of a contract that i personal signed with CREDENCE RESOURCE XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account has and currently is still being marked past due with many late payments being reported when my account is paid on time and needs to be updated. By law, a creditor shall not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
this creditor is reporting inaccurate information on my consumer report. the account is inaccurate because it is listed as an inaccurate status that does not correspond with the current status that the account is in. i requested the form 1099c as per the irs when the account is in charge off status or a form 1099c was not filed therefor the account was not charged off. so its been reported inaccurately and pursuant 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. This account must be deleted pursuant these laws

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Wilber and Associates, P.C.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX - Subrogation Support Clerk Phone XXXX Fax XXXX My mom called me on XX/XX/21 stating that she received a call and was told I owe {$3300.00} to pay for the damages to another person 's car from a hit and run accident in XXXX or I would be sued or get my license suspended. My mom also stated that they called my brother. 

Then on XX/XX/21 they emailed my mom documents which included a letter stating the amount, the bill for the other person 's car, and the crash report that the other person filed. 

Nowhere did they identify themselves as a debt collector and all along they implied they were an insurance company or attorney. Also no where is my car make, model, color, or license plate identified to prove this is even really my debt. Whereas, I can prove with receipts and five witness accounts that I wasn't even in XXXX on the date of this accident nor was I allowed to drive due to a medical procedure that was done the prior day.

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