BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In late XX/XX/XXXX I ordered a stove from XXXX XXXX that cost {$720.00} to be delivered on XX/XX/XXXX in time for XXXX. The stove did not arrive and XXXX XXXX said that they could not schedule a delivery nor could they give me a refund until the stove was returned to inventory. XXXX XXXX said the stove was on a truck waiting to be delivered. XXXX XXXX refused to cancel the order. I ordered another stove and had it installed in time for XXXX. I filed a claim with my bank Wells Fargo and was given a temporary credit for {$720.00} while they investigate. I received notice that Wells Fargo had completed their investigation and the credit was permanent. On XX/XX/XXXX XXXX XXXX finally refunded my money. Wells Fargo did not take the credit back on that day instead they sent me a letter that I received last week stating that they would take the credit on XXXX XXXX. The issue that I had with that date is that I don't get my paycheck direct deposited until XX/XX/XXXX. I called multiple times to get the date moved but was told that the system generated the date. I questioned why the system would generate a date before my paycheck was direct deposited if not for me to incur excessive fees. I made multiple calls and was finally told that they had successfully moved the date and that I would not incur any fees associated with them taking the credit back. However, those were both lies. The credit was taken on XX/XX/XXXX and I have since incurred multiple fees because all the recurring payments that I already had set up have been returned and my account in now in the negative for almost {$750.00} and the amount is still going up.

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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

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 2022-10-21
Company: Experian Information Solutions Inc.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian for almost 3 years now will not let me file online disputes. I've done everything asked as in trying different browsers and machines. Yet friends are able to dispute on my devices. I've even paid for the premium service because they told me that would fix it ... a year later still nothing. I just get ignored. And I'm certain it's because they purposely removed my ability to do so. As I've spoken with many others online with the same problem same runaround and same results. If they're just randomly removing people 's ability to dispute online that gives way to ask ... are they even looking into the disputes? Why send XXXX in the mail? I have XXXX faith this company will do what they're quite literally in business to do. This company needs to be watched and closely. They have the ability to make life impossible for anyone if they neglect duty. Even sending this complaint I feel as though my credit will suffer just from the treatment I've already received from them.i lack any faith in this companies abilities to do its job as it should. They take action randomly removing ability to dispute online e why wouldn't they neglect to add or remove information that would help that individual? That account is clearly flagged in some way.

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 2023-01-10
Company: CITIBANK, N.A.
State: WI
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: Card was charged for something you did not purchase with the card

Complaint:
Ordered some XXXX from a company in XXXX This Citi Bank card refused to pay for it. So I cancelled this card in XXXX or XXXX of XXXX a couple months later I started getting statements from them saying things had been charged on it. Called them talked to fraud department to let them know it had been cancelled and charges where not mine, the card was already cancelled. they agreed the charges were not mine. Went through the steps to cancel card again. they started calling me XXXX or XXXX times a day for most of the year leaving messages, and just plain harassing me. I called them and cancelled this card 4 times in 2022 and they still keep calling me telling me I am a valued customer I don't want the card and the debt is not mine need this card cancelled and debt cleared.

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 2022-10-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX purchased my mortgage from guarenteed rate on XXXX XXXX the day I paid guarenteed rate. They immediately reported my account delinquent to the credit bureaus instead of waiting the 60 day window for me to sort out where the payment was to make sure I did not double pay. I was told by a truist representative that the late payment report was based on an accounting error by truist : their system says they have owned my mortgage for months longer than they actually have. However no matter how many times I call I can not get to anybody who can actually fix the problem, they just submit support tickets endlessly. This should be a simple dispute since they are supposed to wait 60 days, but the credit bureau dispute I filed was not successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX has violates my rights under the fair credit reporting act. 

They are reporting a charge off account to my credit file claiming the charge off account balance is {$2300.00} and they contradict themselves and report on the same report that the Charge off amount is {$0.00} I am entitled by law to gave have accurate, fair, and complete reporting or data and you can see by the attached document that XXXX has reported data that incorrectly and against federal law 15C.

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 2023-06-27
Company: Experian Information Solutions Inc.
State: GA
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX I made a full payment of my credit card balance to the Bank of America for {$560.00}. My balance was XXXX. A couple of days ago I received a statement from the Bank of America requesting I make a pay for additional fees of {$59.00}. I have called to inquire about the fees but been given unsatisfactory 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 explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, 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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law.These accounts must be investigated and updated 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. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I'm sending this complaint due to new fraud items on my report. Please note, that I'm not using any third party and I represent myself by myself, I have been a victim of identity theft and my personal information has been stollen. I got some hard inquiries on my report that I have never authorized. YOU are reporting the INQUIRIY that is the result of the fraudulent activities. Therefore, this inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. XXXX has attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. This inquiry is the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it MUST BE REMOVED IMMEDIATELY. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or information within my credit file. My credit issues are very specific, this item not mine. This means that you are reporting incorrect information within my credit report. It is with this in mind that I request that this listed item be DELETED! Policy states I have included here : copy of my SSN, ID, proof of address and FTC REPORT. I HAVE INCLUDED IN THIS PACKAGE : copy of FTC REPORT, COPY OF my DL, SSN, proof of address.

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 2022-10-21
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} Charge-off : XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry:XX/XX/XXXX XXXX XXXX XXXX Date of inquiry:XX/XX/XXXX XXXX XXXX Date of inquiry:XX/XX/XXXX XXXX XXXX XXXX Date of inquiry:XX/XX/XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry:XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
To Whom This May Concern : This is the second time I file, I filed with my own personal bank XXXX  XXXX XXXX and informed them I was a victim of a scam. After a long winded detailed report informing my bank I was a victim of XXXX fraud they refused to return {$2800.00} dollars I was scammed of. 

COMPLAINT ID XXXX Now, I am reaching over to the bank whom actually received the money, handles the money of individual and has all the information of the individual whom actually stole the, money in the process of the fraud/scam and requesting the information of the actual individual so I can take proper legal procedure. 

I need all the proper information to take the individual to court : Full Name : DOB : Address : Driver 's License : Phone Number : Social Security Number : Essentially what I need is all the information the person had to submit to the bank in order to open a bank account.. 

I have wasted time, money and energy in this process along with pain and suffering, I asked for the {$2800.00} to be returned and has yet to be returned. I am not a lawyer by any means, but the time I have invested in my own case should be compensated in this case. 

I will remind the CFPB this is the propose of your existence, and I would like the money I was scammed out of back or if not the proper information so the person whom scammed me and others like is brought to justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I mailed the debt collector ( Enhanced Recovery LLC ) a debt validation letter. I have not yet received any communication from them. They are still reporting the debt to the credit Bureaus. On XX/XX/XXXX which is the deadline for Their 30-day validation window. If I do not receive a proper debt validation that proves they are legitimate owners of the debt along with a signed contract or official document where I stated I am taking on the debt. Then I would like the collection taken off all credit reports and stopped being pursued in my name as is my right under the Fair Debt Collections Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: AL
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I visited my Truist branch on XXXX and closed out my checking account. About a week later I received a letter that the closed account had a balance of {$36.00}. 

This is the first problem which should not have occurred. Truist should have alerted me that the account would be in the red after I closed it. However, I decided not to pursue this problem and had someone drop off a check for the {$36.00} at the same branch to settle everything. This check was cashed on XXXX. 

About 2 months later I received a letter from Truist XXXXecovery Department which claims that I owe {$56.00} on my closed account. 

This is the second problem, and I find it even more upsetting than the first. There had been no communication from Truist informing me of another balance. The XXXX letter does not provide an explanation for this so-called charge-off account fee. 

I have sent an email to my Truist branch but have received no response. I have also called the Truist Recovery Department twice. Although this line says I would receive a call-back within XXXX hours, I have heard nothing.

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 2023-05-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: Experian Information Solutions 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 Account # 1 ) XXXX 2 ) XXXX 3 ) 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 2022-10-21
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Since the Month of XXXX, I have sent numerous letter to the credit bureaus asking them to remove my bankruptcy. I have received a letter from the XXXX XXXX clerk verifying that my bankruptcy was not reported to the credit bureaus. I have sent multiple copies of this letter to the credit bureaus and they are refusing to remove the bankruptcy listed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: CA
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 called Equifax and XXXX after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there erroneous accounts on my credit report which are misleading to me. I sent a letter to Equifax and XXXX on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that these accounts will be corrected. 

XXXX XXXX Balance : {$9900.00} ; XXXXXXXX XXXX  Balance : {$9800.00}

Company response to consumer: Closed with explanation