BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I had noticed there was {$800.00} transferred from my account to another account via XXXX  on XXXX  morning XXXX. I contacted Wells Fargo the same day about the situation to file a fraud claim claiming that it wasnt me. They told me theyd get back to me in XXXX business days. Today was the XXXX business day so I decided to call them to see where the process is at, because XXXX XXXX received a call or any update referring to my case. The agent I spoke to stated that my claim had been denied on XX/XX/XXXX & that there was nothing I can do to dispute the charges. I am now filing this claim in hopes to properly get this resolved.

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2022-04-03
Company: EQUIFAX, INC.
State: WA
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:
Returning from military duty XX/XX/XXXX. Did not authorize or open this account. Have previously opened an identity theft claim on identity theft.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I respectfully implore you to promptly update my account with the correct information.

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 2022-11-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I got an auto loan with Wells Fargo XX/XX/2022 I paid my loan on time its been almost a year and there's no auto loan showing on my credit report, I called them in XXXX of 2022 and reported that my loan was not showing on my credit report and I have been making the payments. They said they were going to send a dispute error to all credit bureau. I never received and correspondence on what was the updated. I tried to trade my car in XXXX XXXX and the dealership ran my credit and still NO AUTO LOAN showing on my credit report. I made another complaint to Wells Fargo and they said that they was going to send another dispute to all the credit bureau and I have yet receive a correspondence. I just don't understand how I been making payments for a year and I have no credit for it.

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 2018-04-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan modification was denied based on lack of ability to pay which I believe is incorrect. I've attached supporting documents to substantiate my income. It has always been my intent to repay my loan and keep my home. My home is scheduled for foreclosure on XX/XX/2018. I am only asking for an additional time to explore my options for saving my home and be able to resubmit and an application for loss mitigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: TX
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-08-16
Company: Westlake Services, LLC
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 information incorrect

Complaint:
Westlake financial is still reporting a balance on a settled account to XXXX. 
The account was settled nearly three months ago and should have been updated by now. 
This is making it difficult to secure a loan and hurting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
XXXX. XXXX XXXX, account number XXXX. XXXX. XXXXXXXX XXXX XXXX, account number XXXX. XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX account number XXXX, I have sent certified letters to Equifax credit bureau requesting full break down of validity procedures due to these account being illegally reported to my equifax credit report. Ive also requested Equifax do a thorough investigation on these accounts and also to send me originally signed contracts between me and these companies, they havent provided them and its been legally past the statute and timely manner to do so. There are still no proof of these account being mine and there are still inaccuracies reporting on these accounts on my credit profile. Equifax is now part of the litigation including these reported account companies listed above due to clear violations of 15 United States Code 15 ; FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRUIST FINANCIAL CORPORATION
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
NEVER USE TRUIST BANK! 
Date : XXXX Actions : I'm buying a new house and the new loan was denied because of the Truist Bank wrong reporting and refused to make corrections. 
My loan was sold to Truist three month ago. I talked with Truist from XXXX to XXXX  and they kicked issues among them and could not resolve anything, and I requested to talk with management level person but every time each person kept me waiting for 24-48 hours and I never received any calls. 
My new loan officer showed me a regulation from CFPB showing that Truist violated the 60-day late payment during transfer laws. I've paid off all the dues and tried my best to negotiate with Truist, but their attitude is so horrible and not helpful. Everyone is like a robot and manager is hiding.

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 2023-08-26
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Us auto sales went out of business I didnt know they transferred my loan to Westlake Portfolio management and they refuse to furnish my original contract and payment details. They also have started charging me late fees when I have never been through that with my original people us auto sales. Im also behind on my payment and they are constantly harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Nationwide Recovery Systems, Ltd
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently received notification that a collection was added to my report in the amount of {$1400.00} by Nationwide Recovery Systems. I received no notification of this prior to it being placed for collections. I later discovered that it was from an ER visit I made to XXXX XXXX XXXX for XXXX XXXX  sometime in the beginning of XX/XX/2019. 
I am XXXX and am insured by Medicare and at that time XXXX as a Medicare XXXX program that covered Emergency Room visits. XXXX XXXX was given this information at the time of my visit. I contacted this hospital recently and they have no record of any bills being owed to them. I then contacted Nationwide Recovery and they informed me that whether I had insurance at the time or not, was irrelevant and it was too late to furnish this information, they wanted payment in full and would continue to report this alleged debt as a collection to all the credit bureaus. They have ruined my credit and credit scores and I have even enlisted the help of XXXX in verifying that I was covered and to be billed like this is in fact a violation of the FCRA. Unless this debt is removed from my credit reports immediately, I intend on filing a lawsuit against both the hospital and this collection agency. I also requested verification of this debt and have not gotten any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03
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:
In accordance with the fair credit reporting act 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
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/2023 I sent a check to XXXX XXXX XXXX for {$17000.00} and mailed it at the XXXX XXXX, Florida, XXXX XXXX. On XX/XX/2023, Wells Fargo deducted the money out of my account clearing a check made out to XXXX XXXX XXXX but endorsed by someone named XXXX XXXX. On XX/XX/2023, XXXX credit card informed us that we had not paid their latest invoice and cancelled all our charges. When we checked with our Wells Fargo account online we discovered that they had mistakenly paid someone other than XXXX XXXX XXXX. I immediately contacted Wells Fargo fraud line on the phone and informed them. They gave me a case number. I have called the fraud department a dozen times and asked for updates as to when we can expect the return of our money and have never heard back from them once. I went to my branch manager and told him to find out what happened and he said it could be resolved in a few days or NEVER. I have spoken to Wells Fargo complaint department and they now say that another bank cashed this check in error and they have to recover the money from them before we can EVER get our money back. I have reported this to the police in XXXX XXXX and they also say that they will investigate but there's nothing they can do. In the last two months no one from Wells Fargo will return my phone calls except one person in the 'complaint ' department and she says that there is nothing she can do-nothing any of her managers will do either. I don't understand how it is possible for a bank to mistakenly pay the wrong person and then penalize the bank client that trusted the bank not to do that.

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 2019-12-04
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE A COLLECTION REPORT STATING THAT I OWE {$280.00} FOR ALDOUS AND ASSOCIATES CONCERNING XXXX XXXX! I DON'T KNOW WHAT THAT IS AND I NEED IT REMOVED FROM MY CREDIT REPORT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-25
Company: EQUIFAX, INC.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Account # : XXXX XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On ( XXXX of XXXX ) I checked my consumer report and your company reported an alleged debt on my consumer report. I do not agree with the amount your company has put in my consumer report. Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuant to 15 USC 1692g ( a ) ( 1 ). Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Also please keep in mind that only the creditor is the person who can validate these debts. Pursuant to 15 USC 1692a ( 4 ) the term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. Only a consumer like myself are the only people who can extend credit. So therefore, I have created the debt, but I do not own the debt. If you claim that I own the debt than please send me the instrument of indebtness with my signature. Also please keep in mind numbers or ID numbers is not a signature. If you can not provide me this instrument of indebtness than the debt is not owned by me and this has to be removed from my consumer report. Please keep in mind I am not requesting that you send me proof of location information ( my place of XXXX  ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated plus the instrument of indebtness with my signature of me approving this debt. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: FULTON FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to enroll in a bonus receiving checking account through applynow.fultonbank.com. I learned of the bonus receiving account through an online blog page. I am not absolutely certain of the exact blog page. The enrollment process required an opening deposit of {$25.00}. I provided routing and account numbers associated with my Truist checking account. Once I did so, the enrollment was cancelled. I called Fulton Bank customer service and they informed me that I would need to go to a physical branch to complete enrollment. I went to the branch at XXXX XXXX XXXX in XXXX, Virginia. I have two deposits, totaling {$.00}. The deposits were described as, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have relevant XXXX  XXXX XXXX XXXX. Fulton Bank did not offer contact information about the service. I do not know if contacting XXXX about the deposits was relevant, as I have not received anything from that address. I do not want to keep the {$.00} I received. 

Dates and explanation of events - XX/XX/2023 Enrolled through applynow.fultonbank.com. That enrollment was canceled. 
XX/XX/2023 Account verifying, test deposits were posted to my checking account with XXXX. 
XX/XX/2023 Completed enrollment at the Fulton Bank branch at XXXX XXXX XXXX, XXXX, Virginia. 
XX/XX/2023 Contacted XXXX about the unreturned test deposits. 
XX/XX/2023 Contacted Fulton Bank by phone about the account verifying deposits. 
XX/XX/2023 Received an email stating Fulton Bank knows nothing about the ( account verifying ) deposits. 

Fulton Bank, N.A. 
Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX Telephone Number : XXXX Website : fultonbank.com Consumer Electronic Fund Transfer Services Disclosures and Agreement

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 2022-11-20
Company: Professional Debt Mediation, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy. 15 USC 1681 section 6 O 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consume credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: CL Holdings LLC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: AL
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 have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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