BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX 3 fraudulent charges appeared on my Wells Fargo Business checking the XXXX XXXX in XXXX, NY ( totalling {XXXX} ). I noticed the charges on XX/XX/XXXX and immediately cancelled my card and reported the charges. Wells Fargo opened a fraud claim and ordered me a new card. A week or two later I was informed that my claim was denied because they believed I authorized the charges. I informed them that was not at all possible. I was in XXXX FL at the time working, and had my debit card with me. They told me the charge was made via XXXXXXXX XXXX  which I do not have nor have ever had. I asked to speak to a manager. I explained the situation to the manager/supervisor agreed it seemed like it was fraudulent and re-opened my claim. They asked for 10 business days to make a decision. I contacted them after probably 15-20 business days ( after receiving no correspondence ), and again was informed that my fraud claim was denied. About a week later I reached out to my local branch manager informing him I was considering closing my account because I no longer felt protected by Wells Fargo. He said he would file a complaint on my behalf. A few weeks ago I received a letter that my claim was still denied, and that the decision was final.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: NY
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 one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXXXXXX. Please delete this account ASAP.

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 2023-04-19
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: Account status incorrect

Complaint:
I sent a letter off and told the credit bureaus to investigate every piece of information on the account foXXXX XXXX XXXX XXXX account # XXXXThey stated my account were verified but how is that possible if they did not do the proper investigation according to the law. Also every piece of information on this account are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have credit report showing the inaccuracies.

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 2023-08-30
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: NY
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:
I hope this letter finds you well. I am writing to express my deep dissatisfaction and growing frustration regarding the numerous attempts to correct a late open account associated with my credit report with Credit Bureaus. Despite my persistent efforts, I regret to say that this issue remains unresolved. 

I first brought this matter to your attention, when I noticed that my account statement inaccurately reflected a late open account, which has continued to negatively impact my financial standing. Following my initial communication, I engaged in extensive correspondence with your customer service department and provided all necessary documentation to support my case. Despite the promises of resolution, the problem persists. 

I have attached copies of my previous correspondences with your company, as well as the account statements that clearly illustrate the ongoing issue. It is imperative to reiterate that this discrepancy is not a result of any negligence on my part, but rather a recurring error on the part of your company 's accounting department. 

I have made repeated efforts to address this issue, each time with the expectation of a satisfactory resolution. However, I find myself still facing the same problem with no resolution in sight. This not only causes frustration but also adversely affects my credit score, financial credibility, and overall trust in your company. 

I urgently request that you take immediate and decisive action to investigate and correct the inaccuracies in my account statement, specifically regarding the late open account. It is imperative that this matter is resolved expeditiously to ensure the accuracy of my financial records and the integrity of my credit report. 

Furthermore, I kindly request that you provide me with written confirmation once the correction has been made and an explanation of the steps your company is taking to prevent such errors from occurring in the future. Timely and accurate account statements are essential for maintaining customer trust and satisfaction. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: Kriya Capital, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was approved for ACP benefits during COVID-19. I contacted XXXX XXXX XXXX  and they verified I could receive the discount. I opt for the lowest plan in order to effectively zero out Internet bills. I was contacted by phone to reapply since apparently the ACP expired. During this time I received no bill or mail from XXXX XXXX XXXX for over a year. One day my internet goes out so I call XXXX XXXX XXXX and the rep tells me I owe {$800.00}. I never upgraded, I didn't let the ACP expired, I never received a bill for XXXX XXXX XXXX until months after my service was disconnect. When I called to try to understand the situation the rep told me " just to pay my bill '' because apparently that is the only way to handle an error on their part. My internet goes out when I don't pay the bill. That doesn't even begin to explain how I could possibly have an {$800.00} bill on a free plan. Even if I didn't have the ACP plan and paid monthly, {$30.00} X 12 months is only {$360.00}. The only explanation that makes sense is someone made a careless error without double checking which account they pulled up. All I am very sure of is I did not upgrade ( because I wanted free internet ), I never received a bill in between {$0.00} to {$800.00}, I wasn't informed there could be a problem or that there was a problem, and I have been blown off by XXXX XXXX XXXX. The account is now in collections by a company who bought the collection. The collection provides zero information. I disputed it and the company just came back with the account has been verified without providing me a single shred of information. The account was bought by XXXX XXXX  XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: EQUIFAX, INC.
State: NY
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:
THE ACCOUNTS BEING DISPUTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS ARE REPORTING INACCURATELY AND I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT. I HAVE BEEN FIGHTING FOR THOSE INACCURATE AND DEROGATORY ACCOUNTS TO BE OFF MY CREDIT FILE. THEY HAVE CAUSED SERIOUS DAMAGE AND IT HAS NOW BEEN HARD TO ACQUIRE NEW CREDIT DUE TO THE DEROGATORY ACCOUNTS STILL REPORTING. PLEASE INVESTIGATE THOSE ACCOUNTS AND HAVE THEM OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A wire in the amount of {$100000.00} was sent XX/XX/2023 by XXXX XXXX to Citizens Bank for the benefit of a Citizens Bank account ending in XXXX ( outgoing fed reference confirmation # XXXX ). 15 minutes later it was discovered and a wire recall request was supposedly initiated by XXXX at that time, with the appropriate trailing hold harmless/bond agreement from XXXX to Citizens following on XX/XX/2023. Additionally, Citizens was contacted on XX/XX/2023 to make them aware they had a Fraudulent Account within their system that was set up to defraud an unsuspecting consumer as well as Title Company. Over 20 requests for information have been made to XXXX XXXX and Citizens, only to receive a consistent comment of " Call back in 10 days as your case is in the queue and will be addressed in the order received ''. It has now been over 60 days since the incident and still no information regarding the resolution of the case. It is believed the money is simply sitting in a Frozen Account at Citizens and they are slow playing the addressing of this case in order to take advantage of the deposited money in the account. At a minimum, they should be sharing information regarding whether or not the money is being held or has been released and lost. Unfortunately neither XXXX XXXX nor Citizens is willing to provide any information and simply hide behind the fact this is a possible Fraud Case and it is under investigation, no further information is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
On XX/XX/XXXX Spouse had a car accident XXXX XXXX XXXX which was totaled by XXXX XXXX XXXX on XX/XX/XXXX. Claim # XXXX. USAA paid XXXX to XXXX XXXX XXXX XXXX, XXXX FL and did not honor the Total Loss Letter sent to the Customer. Instead USAA sent Customer a late notice for Auto Loan Payments on the XXXX XXXX XXXX which was totaled by USAA. I've contacted USAA several times regarding this matter because I informed the Repair Shop on XX/XX/XXXX to stop all Repairs due to the Total Loss Letter received by USAA dated XX/XX/XXXX and XX/XX/XXXX. USAA let the Repair Shop continue with Repairs even after the Customer told them that he would not accept the Vehicle due to the fact the Vehicle is only worth $ XXXX and Repairs totaled $ XXXX resulting in 95 % repaired. This is XXXX XXXX XXXX XXXX XXXX TX that has decided to send late notices and collection notices regarding an Auto Loan for a Vehicle that was Totaled by USAA on XX/XX/XXXX. USAA stated to the Florida Insurance Commission that the XXXX XXXX XXXX XXXX XXXX would not give up the Vehicle. Note : This was not the Customers Shop of Choice and  USAA decided to repair Vehicle at the Shop and not the Customer. USAA is sending negative reports to the Credit Agencies regarding Customer not paying for a Loan on a Totaled Vehicle. On XX/XX/XXXX. XXXX the Bank Officer and Insurance Adjuster informed the Customer that the Auto Loan would be paid off due to Vehicle being totaled. This never happened and USAA kept of sending funds for Repairs even though they asked the Customer to send back Title and Keys to Vehicle. This entire matter is still going on with the Shop stating as of XX/XX/XXXX that a Final Payment is still owed even though the Vehicle was totaled on XX/XX/XXXX. USAA should correct any information they've sent to Credit Agencies because per their letters they were supposed to recover Vehicle and pay out the New Car Replacement Policy and the GAP coverage which was on the Bank Loan! I've sent complaints regarding both XXXX XXXX and XXXX XXXX XXXX XXXX with the Florida Insurance Commission and Department of Agriculture. Note : I was in NY attending my Little Brothers Funeral when the accident happened on XX/XX/XXXX and did not return to Florida until XX/XX/XXXX. I signed the Repair order XX/XX/XXXX which was immediately revoked by letter from USAA on XX/XX/XXXX stating the Vehicle was a total loss. Now I've lost use of Vehicle for 5 months, new car replacement coverage and GAP coverage. Also getting late and overdue notices on my Credit Reports which should not be happening because the Vehicle was totaled and the Loan was supposed to pay off by USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: NY
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 one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX. Please delete these accounts 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 explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX LA : # XXXX, XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Not able to open 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 2018-10-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have sent the attached information to all three credit bureaus and nothing has changed. 

The report states the original charge off was {$5000.00} and High Balance {$1000.00}. 
When actually it was {$10000.00} initial loan.The credit report further shows that no payment was received after XX/XX/XXXX, my attachments clearly disprove that. 

I took out a loan with XXXX XXXX for {$10000.00} on XX/XX/XXXX. I paid it every month at the bank until I went into the bank XX/XX/XXXX and was informed that I didn't have a loan. The teller said it was not in her system, I called Mississippi to the corporate office as I was told. Finally, I was called back and told don't worry about it we will just take your collateral ; I explained I didn't put up any collateral I had good credit. I was referred to XXXX XXXX in Louisiana and he set up a payment plan of {$300.00} a month XX/XX/XXXX which was paid through XX/XX/XXXX until I received a XXXX Cancellation of Debt. The credit reports. reflects no payment was made after XX/XX/XXXX. On XX/XX/XXXX a process server put a citation of service in my Mothers door. XXXX XXXX was suing me for {$3500.00}, I hired an attorney XXXX XXXX, the claim was settled for {$3000.00} ( check copy attached ) Section 2 of settlement documents states it was paid in full. On the credit reports it still reflects incorrect information. I have disputed multiple times and sent copies of my documentation. It is still reflected as an adverse 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 2023-08-30
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was involved in an investment opportunity and has wired the following 3 wires from my Wells Fargo Account to XXXX and later find out that it was transferred to Scammer 's account that I couldn't transfer back or can't withdraw. I have tried to get help by Wells but kept on denying my request. See attached complaint letter for more detail. 

1. {$5000.00} XXXX on XX/XX/XXXX Case # XXXX 2. {$3000.00} XXXX on XX/XX/XXXX Case # XXXX 3. {$32000.00} XXXX on XX/XX/XXXX Case # XXXX Thanks, 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 explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX derogatory remarks reporting from XXXX of XXXX through XXXX of XXXX. The remarks show as XXXX days late. I was actively enrolled in the XXXX forbearance assistance program that was being offered by XXXX XXXX. I spoke with multiple representatives at this time and each XXXX of them ensured me that there would be no credit ramifications from entering this program. 

I was informed today by XXXX different representatives XXXX, XXXX, and XXXX that they were unable to see any type of missed payments or delinquent remarks on my account dating back to XX/XX/XXXX. This has negatively impacted my wife 's and my own XXXX XXXX by over XXXX and XXXX points. 

I am requesting that these remarks be removed as soon as possible. I was informed by XXXX XXXX that this was something that I would have to take care of myself, and they would not be able to help me. 

They also sent several correspondences stating that they were attempting to collect a debt while I was enrolled which is a direct violation of the FDCPA.

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