BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-29
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
hello. My name is XXXX XXXX. I'm calling in reference to a fraudulent activity done on my online banking with Wells Fargo. The amounts were {$1800.00} and {$700.00}. The date this happened was on XX/XX/XXXX 2019.an ex-girlfriend of mine somehow got into my online banking account and transferred herself these two sums of money to her own account through the XXXX  app . I called the bank the same day after I saw an email so that my contact information was changed to her contact information. She must have gained access through this method. Wells Fargo denied me the claim because they thought I gave her my online banking information which was not true. I waited many days for them to resolution to simply be denied.I followed all the correct steps as far as a fraud case goes where I called in a timely manner close my accounts change my online information reopen new accounts and also filed a police report. My Wells Fargo claim number is XXXX. Also the XXXX city police report number is XXXX. I am upset that my bank will not retrieve my money from an unauthorized user fraudulently accessing my 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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 an 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 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 2023-06-06
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to XXXX and TransUnion last XX/XX/2023, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-11-11
Company: AMERICAN EXPRESS COMPANY
State: TN
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 disputed this inaccuracy and the lack of reporting of this account with the creditor and the credit reporting agencies and sadly more incorrect information is now being reported. I currently have a CFPB case open with American Express that they have not even acknowledged and a complaint with the XXXX. I have tried to call the creditor to resolve the issue several times though out the year and have been laughed at as I explained that everything was related to Covid 19 including the direct lose of my father. I have been hung up and on hold for upwards of 2 hours and transferred and the line disconnected. I have provided documentation showing that the credit reporting agencies were reporting inaccurate information on my reports and instead of investigating and fixing the problem they go in and report even more wrong information. Since the creditor and the credit reporting agencies refuse resolve the matter, or have any empathy at all. I am left with no other choice, I have gone ahead retained an attorney to represent me as it relates to this account. The violations of FDCPA ( harassing and threating calls and documented conversations I received at all hours of the day and night, which my cell phone records, voice mails documentation and show ) that took place during the term of this account and the continue inaccuracy and lack of proper investigation from the credit reporting agency. Is the main reason why I will be moving forward and filing the law suit. I have also filed a complaint with the state attorney generals office as it relates to this account so that they can conduct there own investigation with American Express and the credit reporting agencies as it relates to this account I personally feel like I have tried everything to resolve this situation on my end and have even explained how this account was related to Covid 19 and that there own employees seem to find joy in laughing as I explained that my father had passed due the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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 moved out of an apartment everything was left clean and immaculate everything was paid and then I see a collection on my credit report from this rental company for no reason trying to charge me {$4500.00} for a dog cage they said that was left in the backyard mind you I did not even own a dog!! This is an error and it's impossible to speak with anyone that will help! Ive always paid my bills on time and never had any issues and now I need to move and this collection that SHOULD NOT be on my report is hurting me from getting a new home. PLEASE HELP!! These people XXXX are liars and won't even bother responding to my letters requesting PROOF!!

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 2022-12-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Fair Collections & Outsourcing is attempting to collect a debt for unpaid rent in violation of Cal. Civ. Code 1788.66. 

I attempted to dispute the collections via XXXX dispute process but the dispute was denied for unknown reasons. 

XXXX and my previous landlord are liable for violating Cal. Civ. Code 1788.66 and I am preparing to file a class action lawsuit seeking damages and imposition of punitive damages pursuant to the code section below. 

Cal. Civ. Code 1788.62 ( ( b ) In the case of a class action, a debt buyer that violates any provision of this title shall be liable for any statutory damages for each named plaintiff as provided in paragraph ( 2 ) of subdivision ( a ). If the court finds that the debt buyer engaged in a pattern and practice of violating any provision of this title, the court may award additional damages to the class in an amount not to exceed the lesser of XXXX XXXX XXXX dollars ( {$500000.00} ) or 1 percent of the net worth of the debt buyer. ) I believe that XXXX is actively purchasing consumer debts in violation of Cal. Civ. Code 1788.66 and request that the CFPB take immediate action to provide relief to other consumers/renters who are qualified for protection as well.

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 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 2023-06-06
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:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party.

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 2022-10-27
Company: EQUIFAX, INC.
State: HI
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Approximate two and a half to three years ago we inadvertently submitted a mortgage payment late ; I believe it was XX/XX/2015. We were never notified that this payment was late. In fact, we didn't know until our homeowner 's insurance was canceled because OCWEN Loan servicing never released the escrow payment to them. This wasn't until almost a year later. So, in that time we had no homeowners insurance on our home, nor did we know that there had been a late payment. Every time we talked to someone it was a different person and we could never get a straight answer. We were put in touch with a " relationship manager '' who we could never reach because we had to have an appointment and we never could seem to connect with them. Eventually we contacted someone from the North Carolina Foreclosure Prevention Fund and  they started the process of assisting us with a loan modification. That was six months ago. 

For the last six months we have been getting the run around. Every time we get someone on the phone with OCWEN they have no idea what is going on and will not put us in touch with the proper party. Every time we try to get in touch with our " Relationship Manager '' they are not available or they tell us they are working on it. We have submitted numerous documents, jumped through every hoop and just yesterday they told us that because it has taken so long, we now have to redo section 4 of their paperwork, meanwhile for the last 3 years my credit score has been dropping and there is no end in sight. 

I have submitted everything they asked for and still it is not enough. Four times in the last several weeks I have had to get letters and printouts from my job about my salary and each time they ask for another piece of information that can simply be gleaned from the information already provided. We feel this is a deliberate attempt on their part. Again, because of their foot dragging the paperwork has expired and we have to start all over again. We really need this to be done. It is putting a huge burden on my marriage and we are in financial limbo because we can not even begin to repair our credit until this is done. 

We would also very much like to have them drop the PMI because they are going by the original appraised value of the home from 10 years ago. A truer picture of our home 's value would put us far beyond 20 % equity. Please help us end this nightmare that we entered through no real fault of our own. We desperately want this to end so we can refinance and get away from this horrible company. We are also filing a complaint with HUD and possibly the Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Another individual 's address and related credit information have been wrongly associated with me. This was incorrectly reported to my record on XX/XX/XXXX. I have been wrongfully associated with individuals with similar names and dates of birth from the county of XXXX since XX/XX/XXXX. That is the first time information has been wrongfully associated with my record and has only been repeated as I was associated with another individual after that and again in this instance but related to my credit. I have already appeared in court on XX/XX/XXXX to clear this mistake but it seems like it has not been completely fixed yet as I am still being associated with this incorrect information tied to my record. After a dispute that was issued on XX/XX/XXXX, the disputed item was removed from my credit report which was XXXX XXXX XXXX, reporting a balance of {$4200.00}. But it appears that the information has not been completely corrected yet as they keep referring to me with the wrong name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX menulis : Dear sir, Base on Support XXXX Ref : XXXX i need legal aid from advocacy. 

I just want to know how to access funds that will be sent to me, from the XXXX people who played a role in requesting payment from me on behalf of a claim based on the name of the Wells Fargo Bank company, regarding international remittances to me, through proof of receipts and receipts that I have received. and on behalf of my own account as beneficiary funds. 

the XXXX individuals have had their respective roles in the order to request payment from me using the name wells fargo : 1. the sender named XXXX XXXX XXXX based on the bank receipt i received i will receive the transfer XXXX {$2.00} claiming to be XXXX requesting crypto payments from me ( someone claiming to be from XXXX is asking for crypto payments that I've transferred for international remittance payments ) 3. the head of the international wells fargo bank fund transfer center XXXX who acts as an employee of wells fargo bank with the nametaxt employment of wells fargo bank , as director of the bank named XXXX XXXX XXXX. ( someone who asked to collect my payment processing international funds, that I got the winnings XXXX $ and I have received the receipt of proof of delivery ) of the XXXX individuals have had their respective roles who have requested payment from me through the XXXX that I have transferred. 

they are the XXXX unbroken link in the wells fargo bank that has switched roles to contact me. 

Even though in your investigation, they are not part of you, but they do have the official wells fargo bank receipt that I have received. and lastly the ball is in the third person, namely XXXX and XXXX. 

I don't know how you found access to my remittances working in law enforcement within the United Federal State government? 

So you can immediately decide for yourself without me involving wells fargo customers to lead to law enforcement police offices or law enforcement offices. if it's true they're definitely all involved in a fraud syndicate, froud, international code of ethics. because I don't really know and don't know about the laws that apply to all federal states. On behalf of Wells Fargo Bank I need your help, to resolve this case to a transparent law enforcement and sense of justice. 

What is certain is that a customer only needs the funds that have been issued for payments that have been transferred to all of them, to be able to return to my bitcoin account or address, which I can use to pay my XXXX XXXX credit card monthly bills in XXXX as my loan for crypto purchases in my wallet. For the payment to them. 

Thus my explanation is so that it can be understood, for your attention I thank you.

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 2022-04-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have mailed my documentation of late payments that have been forgiven. There still has not been a change in the status of my credit report concerning this. It is damaging my credit. This is a violation of 15USC 1681. I demand that this be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: NC
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:
Incorrect payment status for all accounts involved and attached on this letter. It is stated that this account has not satisfied the debt but you have been refusing to investigate. I will be seeking legal assistance due to noncompliance and per 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, theres multiple deviations, deficiencies, inaccurate information and unauthorized information listed on my credit report. It has been 9 months and there has been no any response to my previous request to validate the debt. Invalid account numbers and asterisks dont match or corresponds to the accounts involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was young and I didn't know anything about credit. Once I got older I realized that my identity was used which i do not understand how people was able to open any accounts in my name because i was not old enough at the time or aware. I did not know anything about credit. I am just now learning about credit. 

I have 3 closed accounts on my credit report that I did not open : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Accounts -XXXX XXXX XXXX I have one collection that I did not authorize : - 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 2022-06-20
Company: EQUIFAX, INC.
State: NC
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 need help with a dispute that I submitted on XX/XX/2022 with XXXX, Equifax, and XXXX. I haven't received any response as of yet. I need them to be held responsible for investigating my dispute.

Company response to consumer: Closed with explanation