BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my account information was stolen and accessed without my knowledge. They made a tele transfer of all funds from my two savings account to my checking account, and then made several international purchases, draining the account. I immediately contacted Wells Fargo and made them aware of the fraud.

The card used in the checking account for these transactions was ending in XXXX. That card was never in my possession, and I did not authorize its use or have any knowledge of it. 

There is some documentation of them using a XXXX XXXX phone, which I have never owned or used, and can be verified by my current phone company. 

I checked my online messages through the banking app and saw that on XX/XX/XXXX someone made two unauthorized telephone transfer to move the funds from my two savings accounts. Reference # s : XXXX and XXXX I have attempted multiple times to resolve this with Wells Fargo, and was told the claim was denied, and refused an explanation of why or how to proceed. These are clear fraud, and easy to see as such just by looking at my account history and the transactions.

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 2023-07-04
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/21 I filed a complaint against TransUnion showing that there is incorrect information showing on my report, they are not reporting the method of their investigation, the last investigation request to complete through this bureau has not completed. So just this information alone under the FCRA should complete my request to delete all negative information on my report because they can not properly verify what's on my report. Furthermore there is an attempt to assassinate my credit file further. On 3 occasions over the last 2 months my credit score has dropped the 1st time 152 points, the 2nd time 122 points, and the 3rd time 112 points. There has not been anything major happen in my credit file. I called TransUnion yesterday and they said they would not discuss over the phone even-though I went through their " dispute credit report '' option on their phone system. They did convey that one of the credit cards are showing that I'm in delinquent status. That's impossible I pay on them every 2 weeks. If you go back through the history it will show that fact. In addition when I went to remove a credit freeze on my credit report it was showing my credit file in " unknown '' status I had to call in to have them remove the freeze. All of this has ruined my chances to refinance my mortgage at a more competitive rate, it's forced me to 20 % interest rates to purchase a vehicle, and it threatens my employment + the ability to travel for my job due to the inability of my credit file to be able to get approved as my job requires for a credit card that can hold a substantial balance. In fact the bank scores being pulled are substantially less than the consumer view I'm getting. I would have a better score in bankruptcy than what I do trying to work forward with the credit file I have. How sad is that? Something needs to be done and I will continue to fight this until my credit file is reporting accurately and the scores reflect the true credit I actually have. It's bad enough we have been told to essentially shelter in place for this pandemic and then have to be hamstrung even further with all of this. There is no excuse this needs to fixed once and for 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 2023-11-28
Company: WELLS FARGO & COMPANY
State: CA
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:
Over a month ago, a purchase from XXXX, AZ was made on my debit card to a fraudulent travel agencya transaction I did not make and a service that does not exist. I called Wells Fargo and they assured me I would be refunded {$490.00} ( the amount charged to my checking account ). Today, they took that money out of account and I am very frustrated because I did not make that transaction, as I live in another state and it was done so through a fraudulent service.

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 2018-04-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My pay ment is {$400.00} A month and only {$90.00} actually goes toward the principal. 
It has been this way for over 4 years and the balance will not go down. Ive tried to contact the bank to ask them to assist me but the bank won't communicate with me.

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 2023-11-28
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around mid XXXX XXXX Resurgent Capital Services email and later a ltr. to me stating I owed a debt in the amount {$2900.00} for a credit account that was originally w/XXXX. It states this amt. was owed as of XX/XX/XXXX. I have never had an account in my lifetime w/XXXX. I disputed this account first via email, then because the company continued to contact me I sent a certified registered letter stating I officially dispute this account and indicating I have never had an account with this company and felt it could possibly be a case of identity theft. I requested Resurgent to provide a copy of the original contract with XXXX showing the original signature on the contract. The company did not provide this document, only a letter showing the account summary. I pulled & printed out my credit report and there is no place on the report showing an unpaid account or balance with XXXX or any other creditor. I did receive ltr from company titled XXXX XXXX XXXXXX/XX/XXXX, stating a recent cybersecuity incident involving my personal infomation was disclosed. But I have never at anytime had an account for credit card with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to follow up on my previous communication last time via mail, in which I requested validation of the alleged debt that I found from my credit report. 

COLUMBIA DEBT RECOVERY Original creditor : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XX/XX/23 Recived a call about equity in my home due to someone running a report on the morgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Letters were delivered certified mail to Santander Consumer USA XX/XX/2021 and I have confirmation it was received. Santander Consumer USA has failed to validate the debt as well as cease any and all illegal activity. I've yet to receive a response and Santander Consumer USA is still reporting on my consumer report which is in fact ruining my reputation. I have not given consent to, authorized nor benefit from this account. As a consumer I have a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
American Express has a policy of approving transactions on expired cards if they are a subscription. this is Fraud as Amex is approving unauthorized charges from a merchant that doesnt have current account information ( I.e. incorrect expiration date, incorrect CVV ). In talking with their reps - we all agree I didnt authorize the charge and American Express assumed I wanted them to go through. I did not

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is my second complaint regarding Mr. Cooper. Mr. Cooper charged me PMI since the beginning of the loan in error. My home had over the required amount of equity when the home was transferred from Seterus. After the first complaint ; Mr. Cooper ONLY reimbursed the amount based on my request in writing. However, I had CALL SEVERAL times prior to sending the email in XXXX of 2020. 

I am requesting the Mr. Cooper reimburse me for EVERY XXXX  they took from me. They should NEVER have charged PMI. They should also pay me interest for taking my money and forcing me to have to beg them, write letters, and submit complaints to get my own money back. 

If they do not REIMBURSE every dime - I will seek an attorney to assist me. IN addition, each time I contact them regarding my concerns - they try to SELL me something. It is very insulting and unprofessional!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: CA
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:
I am a natural person. 
I am a living human being. 
I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681.

And they violated my rights multiple times.

I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : # 1 ) XXXX XXXXXXXX XXXX # 2 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Fraudulent charges were made in a different state while I was out of the country using my credit card information, and I filed a fraud report through the bank company. The bank company initially refunded my stolen funds, and they advise they would get back to me within 10 days with the results of the investigation, however I did not hear back from them. A month later my funds were removed from my bank account without warning. I had to call the bank to find out what happened, and they informed me that they found me responsible for the transactions. They stated this was based on that fact that some of the purchases were made by me in this time frame. I advised them when i initially reported the fraud which transactions were mine during this period, however they included them anyway and used them to justify their findings. I was advised i could escalate the matter by filing a complaint, which i did, and was again promised to hear back within 10 days. It has been another month without hearing from them, and the funds have not been returned.

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 2023-01-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Agencies report info does not reflect credit denials in recent inquires. XXXX credit rating XXXX. But have been denied any credit time and again. Info exchanged with me is not reflected with info to creditors. XXXX wanted {$310.00} to clear it all up. I refused because I believe it to unethical even in XXXX, XXXX, XXXX and texas. ( unregulated states where all these Agencies come from. Is there no agency north of XXXX in this country ). This shakedown and retaliation would be illegal anywhere else. They have XXXX whitewashed me. Please could use any help. My mortgage lender says I have no history showing there at all. Even though I just paid off loan with them 3 years ago. This I believe is happening because of independent contractors shaking down customers. Don't know if XXXX works. Phone 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 2021-08-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After checking my credit report, I found unknown inquires from XXXX XXXX on both my XXXX  & Equifax report. I reached out to XXXX XXXX stating I never authorized them to pull my credit. On XX/XX/2021 XXXX XXXX provided a letter stating they were unable to provide permissible proof to run my credit. They then informed me they have sent a request to all major credit reporting agencies to have the inquiries removed from my credit report. I reached out to XXXX  & Equifax to confirm confirmation of removal. Both Equifax & XXXX  have received nothing from XXXX XXXX as of XX/XX/2021. Equifax stated they will NOT remove inquires without a complaint to the FTC and a Police Report, although XXXX XXXX has express these inquires were NOT authorized. XXXX  has reiterated the same statement as Equifax. I have called numerous times to Equifax to only be hung up on every time, they refuse to follow the law & refuse to remove the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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: Account status incorrect

Complaint:
Agencies report info does not reflect credit denials in recent inquires. XXXX credit rating XXXX. But have been denied any credit time and again. Info exchanged with me is not reflected with info to creditors. XXXX wanted {$310.00} to clear it all up. I refused because I believe it to unethical even in XXXX, XXXX, XXXX and texas. ( unregulated states where all these Agencies come from. Is there no agency north of XXXX in this country ). This shakedown and retaliation would be illegal anywhere else. They have XXXX whitewashed me. Please could use any help. My mortgage lender says I have no history showing there at all. Even though I just paid off loan with them 3 years ago. This I believe is happening because of independent contractors shaking down customers. Don't know if XXXX works. Phone XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, 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:
They continue to report inaccurate information to my credit report that does NOT belong to me and they did not verify or investigate as per FCRA guidelines!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 compiled with the credit reporting agencies, in all there requests in to remove all inaccuracies that they are furnishing on my credit consumer report. Now I want to file a lawsuit.

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 2022-10-15
Company: Velocity Portfolio Group
State: TX
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:
This is my official request to have the listed account investigated and removed from my credit report. The account is listed as open and late but is in the collection. 
Enclosed may be additional evidence to support my claim. 


Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
XXXX XXXX  aren't including a clear disclosure of wire fees and foreign currency exchange fees to consumers. I realized that wire payments from XXXX in XXXX being converted by Bank of America were showing consistently lower conversion rates than the daily average rates for 60+ days prior to conversions being made. After fighting to get through to submitting a complaint with the Foreign Exchange department, I finally spoke with someone who explained that it's common practice and that " it's in the disclosure, but ... no one reads that ''. Not only am I being charged {$16.00} per wire which I was aware of, Bank of America is skimming 3 % of my wire total as a fee that I had no idea of. 

The banks are required to verbally disclose a number of things prior to opening accounts for consumers. Shouldn't this be included?! It's a deceptive practice that appears to be standard within the industry.

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 2023-09-18
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:
Transunion is reporting a charge off form XXXX XXXX that is past the statute of limitations in my state and in violation of the USC 1681 2 ( a ) ( 1 ) and USC 1681 s2 and USC 1681 a. They have no right furnishing my personal experieence with outside CRA without my prior autorization. this is a vilation of my Consumer rights. Also XXXX XXXX is repeatedly harassing me with settlement offers, emails, and phone call even after the statute of limitations has passed in my state which is a grave violation of the FCRA and 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