BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U-S-C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

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

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i had alot of problems With my account being used without my knowledge. money disappearing. money i didn't not use. i closed that account right away. and changed banks..did not like wells Fargo at all !!

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 2022-02-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am filing this complaint because I have sent multiple rounds of letters to credit bureaus to reinvestigaste XXXX accounts that are reporting false information and it is costing me thousands of dollars a year. They are violating my rights and they have the nerve to not even respond to my letters! These inaccuracies are highly injurious to my credit rating. 

First account is open sky which is a closed account that was paid in full of {$100.00}. 

XXXX XXXX XXXX  acct # XXXX balance of {$620.00} XXXX XXXX XXXX  acct # XXXX Balance of {$420.00} Open sky acct # XXXX Closed paid acct Furthermore, in accordance with the fair act credit reporting act, public law XXXX, Title VI, section XXXX, subsection A-D, please provide me the names and business addresses of each individual with whom you verified the above, so that I may follow up. IT IS ILLEGAL TO REPORT FALSE INFORMATION! 

They are all reporting different information all across the board! I have asked for the accounts to be deleted immediately and please forward me send me an updated credit report after you have completed your investigation and corrections!

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 2023-07-08
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have sent back the form signed for the mediation. Because I'm sick of how wells fargo is treating me and calling me a liar basically. When they admitted it themselves with them falsely accusing me of harassing XXXX XXXX. Is the reason why they closed my checking account. I have a target on me for some reason. Wells fargo didn't know who I was but by the word of mouth by XXXX XXXX XXXX lies against me. 

When the police didn't arrest me and take me to jail. Because they saw that I wasn't doing anything wrong. This angered XXXX XXXX to lie to wells fargo for them to take action against me and close my account. This proves wells fargo wronged me and did an injustice against me! 

XXXX XXXX didn't need to provide any evidence when she falsely accused me of harassing her. She purposely put herself at wells fargo bank on that last day I was at the bank. It was all a setup. There was nothing wrong with my first checking account for them to close it anyway. Why was she allowed to snoop through my private information? She had the employees at the XXXX XXXX location wells fargo branch tell her when i would be at the bank. So she could be there to falsely call the police on me. When the police didn't arrest me. This further angered her. XXXX XXXX was already slandering my name at wells fargo bank. Well, they paid the price for siding with her with all the legal troubles they have been in since 2016. And for the wrong and injustices they caused me. I didn't deserve to be put through this. I don't know what it is about me. When people see me they can treat me wrong and do all these evil things against me. XXXX XXXX was XXXX XXXX XXXXXXXX with all she said in her letter just like XXXX XXXX. Making me think she was going to settle with me. But I played along with her because I knew what she was up to already. When she kept asking me what she can do to settle this. I never in my entire life would have thought. I would have a neighbor who works at a bank to harass me like this. Because i fought for my property rights and XXXX XXXX didn't like it. Wells fargo is the reason why she is the way she is. Nobody has never made her be accountable for her actions.

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 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have submitted information to the CFPB, XXXX  and to the companies reporting negatively and inaccurate information on my credit file and I recently received information back from XXXX  saying that they verified the account and I would like to know how they did when the information you have on there is not only inaccurate, but the information does not line up. you're reporting different information and need to remove it before I submit this information to small claims court. 
Referencing the account from : I. XXXX XXXX XXXX I have submitted the following documents, none have been addressed and verified by XXXX  XXXX 
- QWR ( Qualified Written Request ), - ( 1 ) NOTICE VERIFIED MORTGAGE HOLDER BILLING ERROR DISPUTE FORM - ( 1a ) Affidavit - Notice of Adequate Assurance of Due Performance - ( 1b ) NOTICE and -DEMAND to Cease and Desist Collection Activities Prior to Validation of Purported Debt - ( 2a ) Affidavit of Truth - ( 2b ) AFFIDAVIT ( Bank ) - ( 3 ) Affidavit - NOTICE OF ALLEGED LOAN DISPUTE - ( 4 ) Affidavit - NOTICE OF HOLDER IN DUE COURSE STATUS - ( 5a-1 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 1 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 5b-2 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 2 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 6 ) Affidavit - NOTICE OF BREACH OF AGREEMENT - ( 7 ) Affidavit - NOTICE and DEMAND FOR FULL DISCLOSURE I also showed the discrepancies in reported information.

They need to remove it. 
II. XXXX XXXX is also reporting different information and needs to be removed from my credit file. 
I showed the discrepancies in reported information. 
They need to remove it We're having the same issue with XXXX  and Transunion LLC.

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 2022-02-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Someone fraudulently opened up a Wells Fargo checking account under my name ( XX/XX/XXXX ). I immediately called Wells Fargo when I received a debit card from them out-of-the-blue in the mail. I told them I had never opened up a Wells Fargo checking account and they said they would report the fraud and close the account. The case number Wells Fargo provided to me was XXXX or XXXX ( there are two numbers ). I immediately put a freeze on my credit reports with all three credit agencies and ordered a report from XXXX as well. In XX/XX/XXXX, I received the XX/XX/XXXX bank statement from Wells Fargo. I called again and they assured me the checking account was closed. Today, XX/XX/XXXX, I received the XX/XX/XXXX bank statement, so they obviously have done nothing to close this bank account XXXX. We believe that Wells Fargo is acting fraudulently in keeping this account open so that their " open accounts number '' is inflated and thus their business looks better than it really is.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX P, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX, has violated my rights.

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX  XXXX / XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act,, has violated my rights.

In Accordance with the Fair Credit Reporting act,, has violated my rights.

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-04-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In early XXXX, I noticed my mortgage account had a XXXX balance in my escrow account, my yearly taxes is XXXX and my insurance is around XXXX. Therefore, the XXXX balance does not make any sense. I called Lakeview loan care service, the rep asked me to submit a tax statement from the county website. Which I did same day. Last Wednesday ( XX/XX/2023 ) the escrow balance grew to almost {$11000.00}, I called them again since it was already over a month to update the status, the rep confirmed they received the document I provided. They are still processing the request, she did escalate it so it would be done in a week which is the XXXX. Today XX/XX/2023 we called them again and the rep said they need to do another analysis and said it should take another week. With deposit rates at 4-5 % APY, I feel I am losing a lot of money putting this XXXX in their escrow account not making a XXXX. In the past, when I had a mortgage with a larger financial institution, I requested a similar escrow distribution and they processed it same day. I believe XXXX servicing should refund the balance immediately and compensate me for two months interest I lost at a 4 % APY.

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 2023-06-22
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX website informs me that my credit card has been permanently closed, written off, and acquired by a third party. SEE ATTACHED DOCUMENTS Yet XXXX  XXXX Reports to Equifax XXXX, and XXXX that the account is written off, currently past due XXXX as of this month, and that XXXX is over XXXX crefit limit so my credit utilization is 120 % Since XXXX  XXXX no longer OWNS the account, they can not report it as past due as of this month, XX/XX/XXXX, or any month they haven't owned it. Therefore the balance should be zero for XXXXl XXXX since they wrote it off and someone else acquired it. And since balance should be zero, they can not continue to report it past due as of XX/XX/XXXX, or any month. SEE ATTACHED DOCUMENT WITH THE WAY ALL CRDIT BUREAUS CONTINUE TO REPORT Crdit Bureaus won't even look at it, speak to me on the phone about it, or anything, because they almost instantaneously respond to my dispute that XXXX XXXX has confirmed and they won't they wont even look at my paperwork that says differently THIS ACCOUNT HAS BEEN WRITTEN OFF FOR SINCE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: OH
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Someone accidentally sent me money ( {$580.00} ) through paypal Goods and Services when they were supposed to send me a payment request. I immediately called paypal to try to get it reversed. I was able to get the senders money reversed but Paypal decided that they needed to have my Social security number which they do NOT need since this mistake was under {$600.00} ( threshold for it to be taxed ). I spent hours on the phone. The first call to XXXX was dropped by paypal after about 21 minutes on hold. The second call ( 1 hour and 5 minutes ) I reach XXXX, then account specialist XXXX, then supervisor XXXX. They were not helpful and offered no solutions. There is a large banner over my account when I log in. They said I need to provide them with my SS # to be able to send money and use the account, EVEN THOUGH I AM BELOW THE {$600.00} LIMIT WHERE THEY WOULD NEED IT!!! And next year when the balance toward the {$600.00} limit is zero they still want my SS #. They just want to have it!!! I will NEVER give them my SS #!!!!!!!! Shame on them to collect and store people 's SS # s!!!!!! The worst part about all this is that the money being temporarily in my account was a mistake by someone else who was suppose to send a money request. SHAME ON PAYPAL!! What an unethical company!!!!! And in this age of identify theft, with databases being breach every day, they are totally unethical to collect such sensitive information ( PII ) when they do not need it ( accounts not reaching the {$600.00} limit ). What an awful company!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been trying to get this company to validate the debt they said i owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting that you provide verification of this debt. Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation