BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: WELLS FARGO & COMPANY
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Starting around XX/XX/22 I have tried to set up mobile banking with Wells Fargo. I was approved for a credit card and tried to add it to my current account I already have open. They allowed me to do a balance transfer that is over {$7000.00}. But when I tried to view it online I couldnt. I made the transfer over the phone. I have called numerous times to have this sorted out and merged with my current account. I have been told people would call back, have been told 5 different things as to why I cant see it. I have been asked to come to a branch when the nearest branch is over 3 hours driving distance. I have had numerous cases opened and not one person has called me back to rectify this. They do how ever call me and send mail about my current $ XXXX account and making payments to it. I am not making payments until I have resolved this issue

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 2023-06-14
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello! I have collection accounts that i never had and companies want me to pay money that i never owe. Im XXXX XXXX about it because it stops me from living like normal person or even criminal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, XXXX was reporting an open date of XX/XX/XXXX however Transunion was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month inXX/XX/XXXX and received the same response.

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 2021-06-29
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2021, the attached dispute was sent to XXXX. USPS receipts indicate the dispute was delivered on XX/XX/2021. To date, no response has been received from XXXX. Despite this, the public record in question remains on my 3 major credit reports and XXXX report. I have attempted to dispute the record in question with the credit reporting agencies ( Equifax, XXXX, and XXXX ), however they have stated in writing on several occasions that they were able to verify the record despite my XXXX report being frozen at the time. This would also mean XXXX continues to provide my information despite the freeze existing which supposedly legally bars them from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage and an home equity loan from Wells Fargo. I was attempting to locate the dates of when the mortgage had taken two mortgage payments from my account but the credit unioXXXX was brought out by another payment credit union. In additional I was always being charged additional fees. I was finally able to refinance with another company but i was there for years with XXXX  from that company.

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 2021-06-29
Company: MoneyLion Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have sent several correspondences to Money Lion about an open end consumer plan asking for an audit trail of this consumer credit transaction on XX/XX/2021 so that I could dispute the validity of this debt. This transaction is hindering my credit report so I am hoping to check for any billing errors and to see if I was properly disclosed about the use of my credit both pursuant to 15 USC 1601 Truth In Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Jon Barry and Associates, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In early XXXX I spoke with a woman at paragon revenue group after receiving multiple calls while I was at work. I told her that I was at work and it was not a good time and requested that she call me back after I leave work. She got an attitude immediately, telling me that she wouldn't be calling me back and I have to call her back unless I want to go to court. This woman is the same one I've spoken with several times and every time she has been rude and uncooperative with me in regards to making payment arrangements, even threatening to send me to court because I had no money at that time and was unable to start the payments. After me telling her that I was at work and unable to continue the conversation, I still received calls during my work hours. I made it clear that I am only able to answer my phone during work hours for emergencies. Today I called to make payment arrangements as I am finally able to. A gentleman answered the phone and at first was very helpful until he realized that I wouldn't be paying the full amount. He was very condescending to me during the creation of the payment plan, huffing heavily when I told him that an amount he suggested wasn't financially feasible. After we finally came to an agreement on an amount, I asked for an email or a letter just stating that we had made the payment arrangement. The gentleman became very condescending, even going as far as to laugh at me and tell me that " thats not something they do '' When I asked if he could at least just type me an informal email saying that a payment arrangement was made today with a payment made today and he laughed again and said " Do you know how many hospitals we deal with? How many patients every day? '' At which point I was so disgusted by his flippant behavior, I simply wished him a good day and hung up. We are in the middle of a global pandemic with unprecedented mass unemployment rates ; to use such tactics and attitudes when dealing with a consumer is absolutely abhorrent. If they spoke to me like this, I can only imagine how they've treated those who have lost their job and have debts. A quick XXXX search of the company revealed 86 reviews with a one star average. Reading some of the reviews, their business practices are absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Citibank for the 3 rd time for no reason removed my credit limit from {$9000.00} to {$2100.00}. Just this last XXXX they fixed this problem and now XX/XX/XXXXXXXX XXXX XXXX Im having the same problem. I have never been late on any of my credit cards in my life. I have always maintained good credit. My mother just passed away XX/XX/XXXX th and Im trying to plan a funeral with credit I thought I had being ripped out from underneath me again for the 3 rd time. I have left phone calls and emails. I just wish someone would call me back and fix this again. 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 2019-04-25
Company: National Credit Systems,Inc.
State: GA
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:
About 5 years ago my personal information was compromised and my identity was stolen. Over the passed few years I have noticed inquiries on my credit that I did not authorize and had no prior knowledge of, Sometimes it was accounts ( cable, phone, utilities ) most were easy to prove fraud. 
Beginning in XXXX I saw these instances become more frequent for a while it was over 30 per week. Whenever I learned of these I would contact the companies extending credit and notify them of the fraud. 
In XXXX I began to notice many apartments showing up, many of which were actually signed leases in my name and some were just applications. A lot had utilities connected in my name as well. 
Last year, I learned a XXXX person named XXXX XXXX was arrested in XXXX FL for fraud and counterfeit charges I contacted the apartments and learned he was claiming to be me and had an apartment in my name that was in default, he was giving the office fake checks to pay rent and was thousands of dollars in debt in my name. 
I have police reports and FTC filing but can get nowhere with the bureaus, collection agencies or creditors. 
I need assistance getting my life. Back. 
The companies are : -XXXX  XXXX XXXX XXXX 1 ) XXXX XXXX XXXX XX/XX/XXXX {$4600.00} 2 ) XXXX XXXXXXXX XXXX XX/XX/XXXX {$270.00} 3 ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX {$370.00} 4 ) XXXX XXXX  XX/XX/XXXX {$320.00} 5 ) XXXX XXXXXXXX XXXX XX/XX/XXXX {$100.00} - XXXX XXXX XXXX 1 ) XXXX XXXX XXXX XX/XX/XXXX {$3300.00} - XXXX  XXXX XXXX XXXX 1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX {$4700.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00} -XXXX XXXX XXXXXXXX XX/XX/XXXX {$160.00} -XXXX XXXX XXXX XXXX  XX/XX/XXXX {$450.00} XXXXXXXX XXXX  XX/XX/XXXX {$300.00} These are the ones currently showing. Some of these have part my correct info and some inconsistent. I need help reclaiming my life. I have statements, FTC Filing and police reports but I cant get the bureaus, agencies or creditors to help me. 

Can you assist me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: SC
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 am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Money move from my account, without my permission on several occasions. Reported and nothing done.

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 2021-06-28
Company: Northstar Location Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I ignored the call because it said spam call. They called back. I hung up again. Then they called back for a third time and I told them to quit calling me and that Im at work and can not be on my phone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-01-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
please remove my late payment from XX/XX/2022 its been updated with the other XXXX credit bureaus its hurting my credit profile

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 2021-01-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am a customer of Wells Fargo. I opened a new personal checking account online through their website. I funded the new checking account from my business checking account. 
It took 5 business days to fund my new account from the business account, which as I believe is more than what is allowed by regulators. 

Please look into this for me. 

Thank you. 
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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
there are company that reenter bill that was in bankruptcy XX/XX/2017 discharge. add amount to it and my score down now. bill that was paid off in negative. car that was repossess, change collector name and put back in my report. out of work because of pandemic and they add all these late charge to my account credit card.

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 2019-04-25
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX continues to report a medical debt in the amount of {$62.00} that was paid by my insurance provider. XXXX XXXX purchased this " debt '' from XXXX XXXX XXXX. XXXX XXXX XXXX no longer has any information on this alleged debt. Their number is XXXX. Harvest Associates Inc is reporting that this alleged debt has been delinquent since XXXX. That is not true as XXXX is the date that we were serviced. I spoke with XXXX at XXXX on XX/XX/XXXX who stated that she could see that something happened to my son 's arm and demanded that I pay the debt. My son is a minor and she should not be able to just spread that information regarding what he was seen for. Her supervisor XXXX XXXX. He will not return my emails. The information that XXXX blurted out is a HIPAA violation. Further, XXXX XXXX began collection only 120 days after the bill was paid by my insurance provider. This is a violation of the NCAP settlement agreement. Per the NCAP policy collection agencies are supposed to allow 180 days from the date of delinquency to pass before attempting to collect on a debt.The 180 days is to allow the insured and the insurance provider to ensure that the medical bill has been paid correctly and to sort out any issues of coding error, policy error, administrative errors, etc.The payments regarding this service were made in separate check increments. Attempting to collect additional money on this claim is a violation of the FDCPA. XXXX XXXX keeps verifying that this is a valid debt with XXXX only in an attempt to collect on it. Both XXXX XXXX XXXX XXXX XXXX XXXX XXXX are located at XXXX XXXX XXXX XXXX, TX XXXX. Please find attached a copy of the balance sheet provided to me by XXXX XXXX XXXX XXXX that proves that the services were paid and the date that the claims were paid electronically to the providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: OneMain Finance Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
I have two different financial institutions Onemain and XXXX XXXX stating I put in an application to receive a line of credit. This was not done by me. I contacted the banks and told them about this issue. Can you please remove these from my credit report. Dates XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Since XX/XX/2021, I have notified XXXX that they are reporting inaccurate information regarding an alleged bankruptcy and they still have not provided the information to show that they are reporting complete and accurate information : XXXX XXXX XXXX XXXX FLORIDA | DOCKET # XXXX | Date Filed : XXXX | XXXXr : XXXX | Status : Discharged Your cooperation in this matter will be greatly appreciated.

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