BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My grandfather who Banked at Wells Fargo off XXXX XXXX XXXX in XXXX Ga had many accounts and a safety security box. He passed away and left me his granddaughter in charge of things. However, my father and sister had broken into his home in 2018 when he passed and had stolen all his finiancial records. They fraudulently gained access to his va accounts, savings, checking, brokerage, and convinced the bank with fraudulent papers to access his box which contained the will. I had a judges order for my father not to have acccss to that box but he did it anyway. They were able to transfer millions of dollars from his accounts by my sister having used her notary stamp fraudulently to gain access. The Wells Fargo was aware of all of this and did nothing. They were not suppose to allow him access to that box where he destroyed the will and took off with jewelry and bonds. I spent XXXX fighting this but had horrible representation due to me becoming very XXXX with XXXX XXXX. My grandaddy was my best friend and a decorated XXXX XXXX in the XXXX in XXXX and XXXX other wars. He did not deserve this greed and had every right to have his wishes known and served to his liking. My dad and sister funneled his money and bought out my sisters company partner which she became partner because of my grandfathers stolen money. XXXX XXXX is her company. Her name is XXXX XXXX XXXX. My father is XXXX XXXX XXXX. They both have illegally laundered that stolen cash along with wire fraud. They opened up mailboxes and also broke into my grandfathers accounts to move them to their addresses along with his phone and didnt even declare him deceased so they could use his XXXX XXXX and stellar XXXX XXXX XXXX. Please help.

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 2023-10-25
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXXXXXX XXXX XXXXXXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. It reports late 90 days!!!! REMOVE NOW!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: FL
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:
I recently checked my credit and noticed a handful of fraudulent inquiries and accounts still reporting on my credit report. I've been going back and forth with the bureau since XX/XX/2022 trying to get this fix because I am a victim of identity theft. This has been nothing but frustration and stress. I did not consent to, authorize nor benefit from any of the following accounts and inquiries. Block and delete them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: FIRST HORIZON BANK
State: TN
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 XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tn. XXXX You are in direct violation of The Fair Credit Reporting Act ( FIRST HORIZON BANK ), has violated several of my rights.

15 U.S.C. 1681 Section 604 A. Clearly states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 21 : It also a consumer reporting the agency can not find an account without my written instruction.

15 U.C.S. 1666B : A creditor may not treat a payment on a credit card account under and open-en consumer credit plan as late for any purpose.

Remove this late payment and update this account immediately as you an indirect violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that these items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-08-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
According to the fair credit reporting act 15 USC 1681 SECTION 602, The consumer reporting agencies are to insure the reporting with grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I the consumer. My right to make assure my information isn't shared which is aided by 15 USC 6801, that it is policy of the Congress that financial institutions have an affirmation and continuing obligation to respect the privacy of its customers and to protect the security of those consumers nonpublic personal information. ( Furnishing of information to credit agencies ). 15 USC 1681 section 604 a section 2, In accordance with written instructions the consumer reporting agencies may furnish a consumer report. XXXX and XXXX do not have my written consent to furnish this report. any and all verbal, nonverbal, written or otherwise, consent to XXXX and XXXX have been revoked. 15 USC 6802 ( A ) ( B ), Financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnishing of information to credit agencies ). I was never informed of my right to exercise my nondisclosure options. 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies may not make any adverse reporting other than reporting of conviction of crimes which antedates seven years. This account is an adverse item they are reporting without my permission which is against the law. 15 USC 1681S-2 ( a ) ( 1 ), A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. 15USC 1681E, All consumer reporting agencies shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7, A consumer may exercise the right to opt out, I am opting out of the reporting services. 

XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: WELLS FARGO & COMPANY
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 XX/XX/2023 i submitted a fraud claim # XXXX for transactions i have incurred the past couple of days, however they denied my claim within a couple hours without even investigating thoroughly the legitimacy of the transactions. 

I was a victim of a car break in where my wallet along with numerous credit/ debit cards, identification cards such as my drivers license were stolen along with audio equipment attached to my vehicle as well as my cellphone/apple watch. A police report was filed and also an insurance claim with XXXX ( car insurance ) and XXXX  ( Cell phone insurance ). 

Im extremely frustrated with the handling of my claim by wells fargo as you cant expect to have a trough investigation into a claim from 4 different merchants to be concluded. 

I was able to reach out to one of the merchants ( XXXX ) and was informed that indeed my information was used to purchase tickets with them and if i wanted to dispute the purchase i would have to go thru the financial institution. The gentleman i spoke to mentioned that the transaction was made by an " XXXX XXXX " " XXXX '' to whom i have no knowledge who he or she is nor did they have authorization to conduct such a transaction with my information. 

Police report # XXXX taken by XXXX Police Department ( XXXX ) XXXX, XXXX Claim # XXXX, XXXX claim # 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 2019-07-30
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: Information belongs to someone else

Complaint:
I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide evidence. CFPB step up and delete ALTERNATIVE XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX   XXXX ( ORIG CREDITOR : XXXX XXXX XXXX  XXXX XXXX ), XXXX XXXX   CREDITOR ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 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 2023-01-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX  I received an email from Wells Fargo that there were fraudulent XXXX transfers made from my account. They were in the following amounts : {$100.00} Ref # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called Wells Fargo immediately and was informed by a representative that they would be locking my online access to prevent more fraudulent charges. I also deleted XXXX from my account, as I had never used this ETF service before. I reported that my phone was out of my possession the previous day and could have been accessed by someone else. ( Despite my face ID being activated on my cellphone ). I also filed a police report to report the online fraud. 
I filed a claim XXXX XXXX XXXX XXXX, which was denied on XXXX. I contacted Wells Fargo on XXXX XXXXo ask why it was denied and was told that research showed the charges were made from the same IP address and could not be fraud. The rep would not provide me any further information upon my request. At this time, I repeated that my phone was out of my possession the day before the charges were made. 
I went into a Wells Fargo branch on XX/XX/ to file a complaint ( # XXXX  ) regarding this issue, as I was told I could not appeal the decision. I was then contacted by a complaint representative who looked into the claim denial more and was told that the transactions occurred from fingerprint access to my phone. I have never used this security feature on my phone, so this is not accurate. This is also inconsistent with the previous rep telling me that it was used from the same IP address.

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 2022-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I got a message from a number claiming to be Wells Fargo, detailing that someone had committed fraud on my account. This number was XXXX. Upon answering NO to if it was an authorized transaction, I got a phone call from what appeared to be Wells Fargo from the caller ID. I heard the automated Wells Fargo message and was connected to a representative by the name of XXXX XXXX. He explained that in order to secure my account, I needed to transfer funds to myself. I transferred {$3500.00} as well as {$500.00} for a total of {$4000.00}. Once I had realized what had happened, I brought this up to my bank. I had an understanding that due to Regulation E, customers were still entitled to a refund or compensation even when tricked to give personal information. They have denied my claim, even though after reaching out to others, I found out that a similar scam happened to a friend using XXXX and was able to get his money back in a week.

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 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 2021-06-01
Company: EQUIFAX, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Select Portfolio Servicing is deliberately posting payments late, so they can illegally charge late fees. Today is XX/XX/2023 and my payment has not been posted. I have never been late on my payments, however, Select Portfolio Servicing continually violate my civil rights by unnecessary harassment and lies, among other violations of my civil rights. I have a paper trail of deceitful, fraudulent, fake documents, that were copied and paste from Select Portfolio Servicing. And I also have my own paper trail, that will prove their deceitful practices. I also receive my annual statements late and the law states that mortgage should arrive in a timely manner. Prior to SPS, I had never had any problems receiving my mortgage statements or payment being posted. Receiving my annual statements on time, and mortgage statements on time, is the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried to pay this debt multiple times and had no response and then the debt was sold and distributed to multiple collections agencies at once. I have multiple agencies or companies contacting me about the same debt. Two separate agencies owned the debt in the same month on dates XX/XX/2022 and XX/XX/2022 and will not work with my hired lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, the primary complaint is as follows : XXXX. I started a small business account many years ago. 
XXXX. The business account was not utilized a lot and thus we accumulated a lot of monthly fees. 
XXXX. We always paid the fees, etc. but ultimately without me asking, Wells Fargo closed the account, I think early in 2022. 
XXXX we received a check for the residual amount in the account in XX/XX/2022. 
XXXX the check was made out to the business account that was closed. 
XXXX. Since they closed the account they would not cash it. 
XXXX. I went to the bank on several occasions, and ultimately again today trying to find a solution. The amount of the check was small XXXX and so not worth a lot of my time, but the Wells Fargo bank branch turned me away. I asked to speak to a XXXX and they said they could not do anything. The gave me a number to call and I called this number and they passed me to another number and then passed me to another number. 
XXXX. The last call was with someone in the small business area that sends out checks. They told me the only way to do this is to go to the branch where the account was set up. 
XXXX. I have about XXXX hrs in on trying to get the check re issued in my name or cashed but no one can help. It is not worth my time and energy but on the other hand if this is the practice of the bank, they are making money off of this. strategy.

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 2023-12-11
Company: ZWICKER & ASSOCIATES
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Zwicker and Associates issued a lawsuit on behalf of XXXXXXXX XXXX when I defaulted on a loan account. The promissory note signed between XXXX and myself mandates an arbitration clause that reads If either you or we elect arbitration, neither you nor we shall have the right to litigate that claim in court. XXXX is violating this binding promissory agreement by litigating when I have elected arbitration in this case. The attached promissory note also outlines that the arbitration provision survives termination of the loan and any legal proceedings by us to collect a debt owed by you. ( See subsection T of promissory note )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  has violated my rights under 15 USC 1681 section 602i have the privacy 15 USC 1681 section 604 ( a ) ( 2 ) states that consumer reporting agencies can not furnish an account without my written instructions under 15 USC 1666 ( b ) a creditor must not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any purpose.

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