BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX and I am writing this email to inform ___ about an incident involving myself and Wells Fargo. 

On XX/XX/2022, an individual with a cloned copy of my Wells Fargo debit card and PIN ( I have never lost possession of my debit card ) went to XXXX different XXXX locations in XXXX Texas and purchased money orders and gift cards totaling {$4600.00} all within XXXX hour. This person then went to Wells Fargo branch XXXX XXXX XXXX XXXX XXXX Tx and withdrew a total of {$2000.00} over XXXX ATM transactions. I've attached a list of these transactions to include each store location/amount/time/date. ( Document XXXX ) I reported these fraudulent transactions to XXXX Police Department and visited each XXXX store and Wells Fargo branch to see if I could locate video footage of these fraudulent purchases to assist with identifying the purchaser. ( Document XXXX ) I also went to this Wells Fargo branch location ( XXXX XXXX XXXX XXXX. ) and was told to contact fraud card claims because they couldnt give me any information without police involvement. 

I made a fraud report totaling {$6600.00} to Wells Fargo including the facts and police report and it was declined. I asked for a higher review and again the claim was denied. ( Document XXXX ) I went into a Wells Fargo branch at XXXX XXXX XXXX XXXX XXXX TX XXXX and asked Associate XXXX XXXX to help me and call the fraud department and try to understand why my claim was denied. I asked how it was possible that {$2000.00} was withdrew from my account when I always had the limit set to about $ XXXX. How did my daily limit get increased? Why was my card not blocked after so many ATM transactions at the same time and same location? I was given NO answers from the Wells Fargo fraud department. 

The detective assigned to my case subpoenaed the video footage from Wells Fargo from these ATM transactions and she was denied the footage? ( Document XXXX ) I have been a Wells Fargo client for XXXX and I have been severely let down by this institution. None of this process has made sense to me, I suspect this claim was handled incorrectly.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX Account number : XXXX Balance {$8000.00} XXXX XXXX has written off the alleged debt of { {$8000.00} } as a charge-off. A Charge off by law is " the writing off of a debt and termination of collection activity without release of personal liability. '' According to the IRS Publication site XXXX XXXX are to File a 1099c for any amount over { {$600.00} } and send the consumer a copy of the filed form. Also amount would be now considered income for me the consumer and they must remove this account from my credit report. The CRAs can not report income, the can only report debt. I want this matter investigated immediately. I will not hesitate to reach out to the IRS and TIGTA to do an investigation. 



THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681C-2- 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft

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 2019-09-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was denied credit by XXXX XXXX. They sent me a letter saying why they denied it and listed Equifax as a source for their denial. On XX/XX/2019, I attempted to obtain my credit report from Equifax online. The website said they were closed and to try again later. On XX/XX/2019, I attempted to access it via their website again and the website told me that online delivery was unavailable. I next tried calling the XXXX number they gave to me. That number referred me back to the website or to obtain it via US Mail -- which is unacceptable for me as I need to see what derogatory info was in the report so I can continue to try to buy a car ahead of winter. I went back to the website and tried the online chat. I informed a rep named XXXX that I needed to speak to a live operator as I had a problem that the website did not address. She then gave me a number that was just like the number on the website that didn't have a live person. Since I had called that number I told her that there was not a live person at that number and then she gave me another number and said I could reach a live person on that number. I then asked her why she didn't give me that number in the first place. I mean, does Equifax really think that people who live in poor, communities of color are stupid in addition to being poor? I then asked for a supervisor and a rep named XXXX was put on the line. She gave me the website number also and then finally gave the live number -- all in all, this was the runaround from Equifax and a waste of my time. They said they worked for Equifax but they didn't seem familiar with my rights under the FCRA. After I finish with the two people on the chat support from Equifax, some person named XXXX calls me back and says she's from Equifax and proceeds to try to verify my account info which I give in good faith. Although she was asking for odd information like when I put freezes in place, etc. Basically, it was information that one does not normally keep for later use. Finally, she asks me when I last got a credit report and, not remembering when ( since it was also a problem and I had to make a formal complaint to the CFPB as well ) I said XXXX of 2019, this XXXX person then informed that since I had already received a free report this year Equifax would not send me a free one again. I then inquired if she was familiar with the laws of the United States of America and she seemed not to care. I then realized I was getting nowhere and I finally hung up on her.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/XXXX, I sent my FTC report. My license to Experian, XXXX, and XXXX. I have fraudulent accounts reporting on my consumer report illegally. I am filing a civil suit. I need evidence to show I followed the lawful process.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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 2023-06-30
Company: CCS Financial Services, Inc.
State: OH
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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I cashed a check from my business account at XXXX XXXX XXXX in XXXX PA for {$9000.00} and deposited XXXX of it into my checking account at Wells Fargo Bank in XXXX FL. My balance at Wells before that was {$1200.00}. The receipt and teller told me that {$400.00} of the XXXX deposited would be available right away and the rest on XX/XX/XXXX, the next day. The next day, XX/XX/XXXX I got an email from the bank saying that the funds will be held until XX/XX/XXXX ( 12 days ). I also got another email stating that my Ending Balance was {$2700.00} and my Available Balance was - {$6300.00}. I checked with XXXX XXXX and found that they cleared the check for {$9000.00} on the XXXX, the same day I cashed it. I went to the Wells Fargo bank on the XXXX and showed them that the check had cleared my bank and even showed them a copy of the cleared check from my bank. The person XXXX called someone and told the story and was told that nothing could be done. I asked her to make a complaint for me and she did it while I was there. I also called Wells at the number on my banking app on the XXXX and was told nothing that could be done to make my funds available before the XXXX. Today I got a letter in the mail dated XX/XX/XXXX stating that the money was being held for " Unusual deposit account activity '' until XX/XX/XXXX. There was no information on the letter about who I could contact to correct this.

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 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
Product: Credit reporting, credit repair services, 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:
please see the inquire ( s ) below and remove or block the inquires listed below. these are unauthorized and should be removed or block. 

1.The XXXX XXXX  XXXX XXXX XX/XX/ 2XXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/ 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 2023-06-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to express my dissatisfaction and disappointment with regards to the fraudulent charges made on my account. I have put Citi Bank on notice about the fraud on my account XX/XX/18 which I had held with them. I spoke with them and they confirmed that the account has claims of fraud. 

It has come to my attention that Citi Bank did not properly vet this account before selling it to your XXXX XXXX. As a result, I have been left with fraudulent charges that I did not authorize or make. This is unacceptable and has caused me a great deal of financial stress and XXXX. 

In summary, the FTC rules and guidelines prohibit the sale of fraudulent or deceptive goods and services, including debt. Sellers must provide truthful and accurate information about the products they sell and must not make false or misleading claims about their benefits or effectiveness. 

XXXX card account ending in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX This letter is a formal complaint that this Company has reported inaccurate, unverified, unproven and untrue credit Information to the credit bureaus. Federal laws require furnisher 's of Information to report accurate credit Information to the Credit bureaus and in this case you have failed to do so. Every step must be taken to assure the Information reported is completely accurate, proven verified and correct. I have been disputing the below account for the last 8 Months, and never ever have I received any proof from Lending club regarding this alleged debt below : XXXX  XXXX XXXX Account number XXXX - UNVERIFIED, UNPROVEN, UNTRUE AND NOT MINE. 
THE ADDRESS ASSOCIATED WITH THIS ACCOUNT IS NOT MINE AND DOES NOT MATCH ANY PERSONAL ADDRESS INFORMATION ON ANY OF MY CREDIT REPORTS. 
This inaccurate Information must be deleted from my credit file immediately, please contact the credit agencies you have reported it to and remove this misleading information from my credit file, because I never received a copy of any contract from your Company bearing my personal signature, and because the Address you are reporting associated with this account does not match any of my personal addresses on my credit report. I reserve the right to sue your Company for violations of my Consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. Kind regards, 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 2022-09-06
Company: Asset Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2022 AMOUNT OF {$920.00}. I XXXX XXXX XXXX XXXX have disputed this with the Bureaus and got back a verified letter stating the information is accuarte. However that is inaccurate since my legal name is said above and the name attached to this account is not mine. I am disputing this for a second time stating the information is incorrect and according to the FCRA when an item is in accurate and can not be verified is must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-09-06
Company: ENOVA INTERNATIONAL, INC.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I lost my job XX/XX/XXXX and requested assistance for loan forgiveness Net Credit - LOC Account # XXXX Due Date : XX/XX/XXXX chg to XX/XX/XXXX every other XXXX Customer Support : ( XXXX ) XXXX Loan Processing : ( XXXX ) XXXX Collections : ( XXXX ) XXXX NetCredit XXXX XXXX XXXX XXXX, TX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: CCS Financial Services, Inc.
State: PA
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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, 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:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation