BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-18
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:
My new checking account was closed right after I opened it. Wells fargo and XXXX XXXX refused to give me the reason. But I new the reason when XXXX XXXX purposely put herself at the bank while I was opening my new account. She falsely called them saying I harassed her while i was minding my own business and the banker i was working with knew i wasn't harassing XXXX XXXX. The police didn't do anything to me either. Wells fargo for XXXX years didn't put in writing that why my account was closed because I was harassing XXXX XXXX. She was harassing me falsely accusing me and she kept getting away with it. Wells fargo finally admitted after XXXX years were up that it was because I was harassing XXXX XXXX which is why my account was closed. I had the original opened for XXXX  year until XX/XX/2015 when I couldn't log in to my online account. I was being set up by XXXX XXXX to pull what she did. 

They need to find someone who isn't in cahoots with XXXX and XXXX XXXX to investigate my complaint. Because if they had looked at the footage of the security cameras. It would show the time XXXX XXXX walked in and the time i walked in. I had no idea at the time she was at the bank. She got away with falsely accusing me once before she was going to do it again. 

When the police didn't do anything. She whined to XXXX XXXX who wrote me a nasty and hostile letter with saying XXXX at the top of the letter stating that wells fargo was exercising their rights to close my account. I was only to call on the phone to conduct any business. This was a violation of my civil rights! XXXX XXXX refused to investigate the security footage that I wasn't bothering or harassing XXXX XXXX. It would show that I was minding my own business talking to the banker helping me. This was dirty and criminal. Then someone at wells fargo said they don't handle domestic issues. Well, XXXX XXXX brought the domestic issue to harass me in the bank to slander I and my son to influence wells fargo to close my account. 

A lawyer told me I can sue for millions for the mental distress and breach of contract for them wrongfully closing my account since this was at the bank where XXXX XXXX continued to harass me. That makes wells fargo responsible for the actions and misconduct that she committed against me. XXXX XXXX is not in charge of my life of what I can or can not have but she is being allowed to treat me like she did.

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 2023-03-18
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: Account status incorrect

Complaint:
On XXXX of XXXX, I thought my XXXX XXXX XXXX XXXX card was lost and called to cancel it. XXXX offered me the option of a temporary Lock which I agreed to. I then found the card but forgot to reinstate it until several months later. 
When I called back, they asked me for a passcode, but the code I had written down did not work. They were unwilling to verify my identity by text or other methods. 

On XX/XX/XXXX, I called and spoke with XXXX. On XX/XX/XXXX I called XXXX and spoke with XXXX and XXXX. The first person could not grant me access to talk about my account saying my passcode was invalid, the second verified me by text, admitted someone had impersonated me and changed my address and passcode. He changed them back to correct passcode and address. And agreed to send me out a new card. 

However, once the card arrived and I tried to validate it for use, XXXX said " already verified ''. I called XXXX and between the time they sent a new card, and I received it, someone else charged over {$1000.00} at XXXX, a place I normally do business at. Having worked in banking for 25 years, I knew immediately that this is internal fraud at XXXX, yet they refuse to admit it. I then closed all my accounts with XXXX, XXXX bank accounts business and personal, and XXXX credit cards business and personal. They agreed the charges were fraudulent and the account was not in dispute. 

However, all during XXXX of XXXX I have been getting alerts from XXXX and other companies saying my credit score is declining, so I looked at my credit reports, and of course it says I owe over {$1000.00} on this credit card. But today, XXXX says the account is indeed closed and no monies are in dispute. Yet they continue to tarnish my stellar credit history. I spoke to XXXX people today at XXXX and no one is able to help me by providing me with a letter or some proof for the credit agencies that this account is closed and not in dispute. 

I have had no issues with all my new accounts at XXXX XXXX XXXX, and realize that XXXX has major security flaws, and I would never ever trust them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-18
Company: Phoenix Financial Services LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I wasn't notified by " Phoenix Financial Services '' OR " XXXX XXXX XXXX  ''. On or about XXXX XXXX alerted me of the accusations. 
I disputed XXXX, but the Derogatory accusation remains on my report. I don't know who Phoenix... or XXXX... are

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Resurgent Capital Services L.P.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Block, Inc.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX I noticed of several fraudulent transactions to my Cash.app account I called them immediately and requested the transaction cancelled or reversed because of fraud and blocked my account from all card transactions All of them where reversed outside of a XXXX transaction with XXXX XXXX XXXX 

I requested the documents used to make the decision and they sent me a transcript of the transaction claiming my claim is denied because I made the transaction. 

This is not correct. I did not do this transaction I have called every week for two months letting them know that my card was stolen and I did not authorize this transaction There was no signature requested by merchant or pin capture.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, 2024 I made a purchase from XXXX XXXX for {$130.00} The agent at US bank says the transaction was authorized Authorized approved : XXXX {$130.00} However, XXXX XXXX says that there is no such approval or order confirmation on their end. 

US Bank representative, kept blaming my notification settings was the issue. She kept stressing that because I didnt have my phone number selected for notifications. That was the reason why that I was not getting any of my transactions approved.

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 2023-03-18
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2022, I sent a letter to Transworld Systems Inc, regarding an inaccurate debt that they claim I owe. I asked for validation of this debt, as I do not believe that I owe anything. In addition to that, I also asked that further communication regarding this matter, should be handled via mailed correspondence. 

Since receiving my letter, Transworld Systems Inc has yet to provide any sort of proof of said debt but they also continue to call my phone, repeatedly, from different numbers throughout the day. Transworld Systems Inc calls from different New Jersey area codes, since I have a NJ number, in hopes that I would pick up a call from New Jersey. Clearly this is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and subsequent actions should be taken to address this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 Capital One Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
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:
On XX/XX/XXXX I signed a contract for Solar Panels on my XXXX XXXX  home through XXXX  XXXX. Part of the contract was a performance guarantee, which stated that the solar panels were guaranteed to produce a specific amount of energy, which could be monitored via a mobile application. 

Within days after the install, I noticed that the solar panels did not produce nearly the amount promised by the company. I contacted the company, who sent a technician out to check the panels. 

I have hundreds of emails saved documenting all of the hours I invested attempting to get this issue resolved. 

I have the original signed contract, which states " If, for any continuous twenty-four ( XXXX ) month period during the Guaranty Period, the Actual System Output is more than XXXX percent ( 15 % ) below the projected total in kWh of the Estimated System Output for the same twenty-four ( XXXX ) month period, as set forth in the Work Order related to the PV System, XXXX shall be obligated to cure any shortfall such that Actual System Output is within XXXX percent ( 10 % ) of Estimated System Output going forward. '' In XX/XX/XXXX, XXXX  finally sent out XXXX XXXX, an independent third party to assess the situation. The findings of the third party were that the solar system that was installed was inadequate, and would never produce the amount of electricity guarantied in the contract. 

I discussed the findings with XXXX, and they indicated that they had no intention of replacing the solar panels with the correct ones. At this point XXXX  charged off my loan and it destroyed my credit. 

I have contacted TransUnion, and filed a dispute, since this was clearly a breach of contract case. TransUnion closed the dispute, and the negative entry still remains on my credit report.

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 2023-03-18
Company: CAINE & WEINER COMPANY, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt from CAINE & WEINER was already paid and I had no knowledge or written notice from this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX {$0.00} : XXXX XXXX XXXX {$0.00} XXXX XXXX these account are being reported wrong!!! demand them to be removed fruad demand them to be removed XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX  {$130.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1600.00}XXXX XXXX XXXX {$9700.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$500.00} these fraud account has affected my mental and emotional day to day living and I demand them to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company Credence Resource Management , LLC is appearantly working a scam on XXXX XXXX. I received a call from them on Thursday, XX/XX/XXXX. They claim to be attempting to collect on an Already Paid Debt, for ambulance service, dating back to XX/XX/2012! 

First off this debt ( ambulance service ) incurred due to a work related accident. This debt was billed to and PAID FOR by XXXX XXXX XXXX 

Now ELEVEN years later, Credence Resource Management , LLC is attempting to be paid a second time, in hopes that a XXXX XXXX XXXXXXXX XXXX XXXX  has forgotten the details and will render payment a Second Time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: IN
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 dispute to Experian, report # XXXX regarding an account that report on my credit report out of the blue. I was in the process of applying for a home loan and as a result of this negative account, was prohibited from moving forward. 

Experian continued to send generic letters stating that the account had been verified and would remain. 

So I reached out to the original creditor to gather more information about the account. 

In spite of Experian generic responses saying the account was verified and would remain, the original credit stated that they had sold the account to XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX is not who reported this account on my credit report in XX/XX/XXXX, which caused the dramatic drop in my credit score. 

Clearly, Experian did not do a thorough investigation of my dispute. I am requesting the removal of this account entirely and the negative reporting.

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 2023-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am filing this complaint against Bank of America due to this business allowing my sensitive data to be illegally acquired by malicious parties to attempt to open a deposit account using my identity. This is called identity theft and Bank of America is facilitating it. I made several calls today, XX/XX/2023 to their fraud department who dismissed my complaint and informed me that I needed to go to a branch with two forms of ID. I will not go to a branch and expect this issue to be permanently resolved without further endangering my life ( about ten years ago, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a result, they illegally, immorally, and unethically endangered my life by dispatching cops with itchy trigger fingers that threw me against my company vehicle while handcuffed and proceeded to physically assault me ). This is the reason I will NOT step one foot on BOA property. In addition to reporting this facilitation for identity theft to the XXXX, I am reporting BOA to the FCC, FTC, local, state, and federal authorities. 

I requested that my personal data be destroyed when I closed my accounts ten years ago ( clearly this was a lie and deception communicated to me by this bank ). I want this data destroyed immediately and a legitimate proof of destruction. 

I want all impact to my credit report to be expunged from my record. 

I have tried to communicate and work with Bank of America representatives to resolve this, however, they refuse to listen, care, or take action to remediate. Instead, they continue to insult my intelligence and attack me. 

I have spend about 4 hours trying to resolve this issue with Bank of America account representatives who refused to transfer the call to a member of upper management and actively chose to aggravate the situation. 
I am seeking resolution from upper management in 7-10 business days.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I contacted Transunion regarding unauthorized hard inquires on my credit report from XXXX XXXX  ( XXXX XXXX XXXX ) and XXXX XXXX ( XX/XX/XXXX ). I also filed a FTC report because I am a victim of identity theft. 

According 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code, A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines thatExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; Its been 2 weeks since I contacted Transunion and was told hard inquires would be removed and the inquires are still on my credit report.

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 2023-03-18
Company: Southwest Credit Systems, L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company : Southwest Credit System My name Is XXXX XXXX. XXXX, My address is XXXX XXXX XXXX XXXX XXXX  XXXX Phone XXXX and my birthdate is XXXX. 

After checking an updated copy of my credit report. I have found several accounts that I dont recognize. I understand that before any account or information can be furnished to the credit bureaus ; all information and all accounts must be 100 % accurate, verifiable and properly validated. I am not disputing the existence of the debt, but I deny I am the responsible debtor. I am also aware that mistakes happen. I believe these accounts can belong to someone else with either similar name or with my information used without my consent either from the furnisher itself or an individual. 

In accordance with the Fair Credit Reporting Act, your agency is required to do a reasonable investigation into the matters of accuracy, completeness and be able to verify each specific entry. I am demanding physical documents with my signature or any legally binding instruments that can prove my connection to these erroneous entries, failure to fully verify that these accounts are accurate is a violation of the FCRA and must be removed or it will continue to damage my ability to obtain additional credit from this point forward. 
I hereby demand that these accounts listed above be legally validated or be removed from my credit report immediately. 
I understand that you must complete the investigation within 30 days of the receipt of this letter. Please send all replies to the address above with an updated copy of my credit report after all investigations are properly done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The Pentagon Federal Credit Union Foundation aka Pentagon Federal Credit or PenFed Credit Union is reporting inaccurate, erroneous, misleading information on my consumer reports which is defaming my character and keeping me from accessing new capital. 

They have reported late payments they refuse to remove from my consumer reports. Even though they updated my account to show the account is not past due. They also failed to remove late payment charges and fees totaling {$120.00} from the account. 

I sent them a second billing error dispute letter that they ignored. PenFed is continuing to willfully and intentionally adversely affect my consumer reports. I am demanding the CFPB intervene and require they fix these billing errors.

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