BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
They let somebody deposit checks into my account which caused me to have to close my account and I was accused of fraud and I showed them proof that it wasn't me and whoever was doing it had my information and my work information and they were accepting checks through them and I was at fault and they close my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Chime Financial Inc
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT. I HAVE NOT FILED A COMPLAINT ABOUT THIS IN AN ENTIRE YEAR AND MORE HAS HAPPENED SINCE THEN. PLEASE DO NOT MARK MY COMPLAINT AS A DUPLICATE AGAIN Chime Bank has botched both of my disputes I had against the same merchant, XXXX. For a year I resent my claim with supporting documentation to prove that the merchant sold me defective merchandise and refused to refund me. This was for merchandise that physically could not be returned to the store because it was installed into the ground and the merchant refused to send out their installation team to remove the faulty product. All of this had already been explained to Chime. Periodically I would receive a response back stating, I understand that you are upset. I assure you we are doing everything we can to resolve your dispute. However, they never did. The answer would always be the same a generated email stating, Weve completed our investigation of your billing inquiry, and we have determined that no billing error occurred. And whenever I emailed them telling demanding information as to why, they stated to email them and request the alleged documentation they relied on. Yet thats what I was doing by emailing them asking them why ( Obviously ), as well as I sent them a separate email requesting the information they so-called relied on in making their decision, but no response. I had asked them for this information several times. They do not respond with said documentation because there is no documentation to show .. No documentation that would classify as a good reason to deny my claim anyway. They are simply lazy and do not handle claims appropriately and/or are afraid of a lawsuit from a big name merchant, and so they automatically denied my dispute. Either or is not my problem and if thats the case then they need to apply the funds back to my account via their own pockets.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following account : XXXX Balance {$0.00} Opened Date XX/XX/2017. 
XXXX XXXX  XXXX Balance {$0.00} Opened Date XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: LEADER ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
RE : Unauthorized hard inquiry on credit bureau reports. 

On Saturday, XX/XX/2019, I was notified by my credit monitoring services that a new hard inquiry had been recorded on my credit bureau reports. Upon investigating the report, I found that XXXX XXXX XXXX, in XXXX XXXX, Idaho, had performed the inquiry. 

On Monday, XX/XX/2019, I contacted XXXX XXXX XXXX  regarding the inquiry. I learned that the inquiry had been ordered by XXXX XXXX, with Leader One Financial, XXXX XXXX Loop XXXX, XXXX XXXX, XXXX XXXX, Texas, XXXX ( the offices of XXXX XXXX dba Leader One Financial ). I was very concerned over this matter as I had never done business with that company, nor had I applied for any lines of credit recently. 

I called Leader One Financial and spoke with XXXX '' who informed me their company was in the process of refinancing my ex-wife 's residence, for which the loan was still solely in my name. XXXX said that XXXX XXXX was handling the mortgage application and that they had, in fact, pulled my credit. XXXX claimed that the inquiry should've only been a " soft inquiry '' as it would have been for a mortgage history file. I pointed out to XXXX that, regardless of the type of inquiry it was, Leader One Financial was neither my lender, nor my refinancing company, and that I had not authorized or  consented to have anyone pull my credit. I also told her that the inquiry had been recorded as a hard inquiry on all 3 credit bureau agencies and that I wanted the unauthorized inquiry removed. XXXX told me the quickest way to resolve it was to dispute the hard inquiry with each individual credit reporting bureau. I asked if Leader One Financial could simply issue a letter of removal/deletion to have it taken off my report. Again, I was instructed to file a dispute with the credit report agencies and was also told that the on-line systems of the agencies would let me dispute the hard inquiry. 

Following her instructions, I started with XXXX  's online site, created an account, and initiated the process of launching a dispute. Halfway through the process, I found that I could not dispute hard inquiries online. 

I then contacted XXXX XXXX XXXX  again, where I explained my dilemma to XXXX XXXX. XXXX was most courteous and agreed to help me with my situation. Since that time, XXXX was able to correct the fraudulent transaction that was performed by XXXX XXXX and Leader One Financial. 

I have never done business with XXXX XXXX or Leader One Financial and I have never given him/them my consent for my credit report to be pulled. His/their actions were not only a violation of the rules/laws, but also unethical.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX - I received a text from " Wells Fargo Fraud Alert asking if I attempted a {$3500.00} XXXX transfer '' I did not get a chance to reply to the text as within minutes I received a call from " Wells Fargo '' ( the caller had hidden their actual phone number and replaced it with the actual 1-800 number on my Wells Fargo card ).

The caller identified himself as XXXX XXXX with Wells Fargo, badge # XXXX. 
The caller then walked me through the process of filing a claim with XXXX for these fraudulent transactions ( {$1000.00} & {$2500.00} ). 
Once complete, the caller told me I would receive an email from Wells Fargo with a link & instructions for resetting my username and password within 30 minutes. 
When I never received an email, I called Wells Fargo and told the rep I needed to speak with someone regarding the fraud case that was just opened an hour ago. 
This is when I was informed there is no fraud case open on my account. which is when I realized the whole " filing a claim with XXXX '' was actually the scam. 

XX/XX/XXXX I opened the first claim with Wells Fargo regarding this unauthorized Electronic Fund Transfer. 
Wells Fargo claimed they have no responsibility because XXXX is a separate entity XX/XX/XXXX I escalated my dispute to the " escalations team '' at Wells Fargo XX/XX/XXXX Wells Fargo Corporate complaints department denied my claim for same reason. I disputed their findings and sent them a link to the CFPB FAQ page " Unauthorized EFTs '' Question # XXXX XX/XX/XXXX - Wells Fargo emailed me that they have completed their review and agree with previous finding they are not responsible. 
XX/XX/XXXX - I disputed this resolution again and asked if they read the info from CFPB. The agent I spoke to asked me to email the info directly to her. XXXX XXXX. 
I did, which opened a new Case number for my dispute. 
XX/XX/XXXX - I received an email from the new person handling my dispute which again says Wells Fargo is not responsible for XXXX transfer scam and they consider case closed. 
XX/XX/XXXX - I replied to email with a link to CFPB FAQ page and screenshot of " Unauthorized EFTs # 5 answer and " example '' ) I also left him a voicemail to call me to discuss

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 2023-01-10
Company: Experian Information Solutions Inc.
State: TN
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:
Pursuant to notice sent by Experian regarding XXXX XXXX. Neither financial institution were given consent by the Natural Living Man to run credit check because theres no such thing as credit check nor were there any consent to have third party non affiliates involved in private consumer transactions. If any employees from the Corporations disagree than proof must be provided. XXXX XXXX  conspired with experian to extort funds from the Natural Living Man regarding security interest in the financial instrument and yet theres no wet ink signature signed by the Natural Living Man regarding funds being given away or split between these corporations which are owed to him. Employees of XXXX XXXX has failed to validate any obligations via email in writing and yet employees of XXXX XXXX are willfully and knowingly violating 15 U.S.C. 1692d ( 5 ) -causing a telephone to ring or engaging any ( person ) in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. Employees at XXXX XXXX are in violation of 15 U.S.C 1692e-false and misleading representation because banks or financial institution do not loan out or any assets of its depositors, employees of these financial institutions only buy and sell securities. Therefore Speedy Cash Employees were asked to validate in writing any such obligations but most importantly they have not specified the Language theyre implemented, XXXX XXXX, XXXX XXXX Manual or XXXX XXXX XXXX. 15 U.S.C. 1692f prohibits so called debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. ( 8 ) using any language or symbol when communicating with an alleged consumer by use of mails or by telegram. 

Therefore Speedy Cash is required to specify what specie of money granted, what specie of money are they demanding to be paid, who are they demanding to pay an obligation pursuant to XXXX XXXX, XXXXXXXX XXXX XXXX  and/or XXXX XXXX XXXX, has an obligation been breached by way of the Truth and Lending Act Regulation Z and provide the definition of the word Bill. Also Experian Employees admitted that they act as trustee in regards to the Social Security XXXX, Name and Account Number yet they have not provided the contractual obligation/personal responsibility contract where they were assigned trustee for the beneficiary. If they are creating bondage on the Natural Living Man then whos pretending to be the Trustee?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: CA
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 recently submitted a complaint against XXXX and Experian regarding collection accounts from XXXX XXXX that are listed on my credit reports. XXXX and Experian consistently list these accounts as VERIFIED and UPDATED without providing me their methods of verification for these alleged debts.

Company response to consumer: In progress
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX, I am submitting the complaint myself and there's no third party involved. 

XXXX consumer notified me that I was in a class action suit due to my loan qualifying for a settlement because they were practicing subprime lending practices. 

They admitted that they broke the law after I've submitted several disputes. After I received the settlement I disputed again and the dispute was denied. The loan should have been removed from my credit report already and is now affecting my score and ability to move forward with financing a vehicle. 

Lawfully, they're not reporting accurate 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 explanation
Consumer complaint received 2022-01-21
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX CAPIO XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 o
f this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAPIO XXXX CAPIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV Funding LLC. has not proven that credit one is my credit card account. 
I asked them to show proof of a contract, my name, and my social security number. 

The FCRA states by law a collection agency should send information regarding the collections. I have not received any information which proves XXXX XXXX is my account. LVNV can not prove my name, address, phone number nor Credit Card number belongs to me. 

I dispute this accounts belongs to me and had I been notified properly a police report would have been filed for FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo continues to engage in unfair and illegal banking practices against their customers and small businesses. They continue to place holds on funds and overdraw your account against the funds they placed on hold and charge you a { {$35.00} } overdraft fee. Then they claim your paper deposit checks are placed on hold and only allow certain amounts of the funds to be available sometimes XXXX hours or as long as 10 days. It's a harmful cycle to consumers that they continue because they make money on the overdraft. When it comes down to deposits and credits versus debits on ATM withdrawals and debit card purchases. They will take the debits out first to purposefully overdraw your account and charge you fees. Or they will take the largest debit first so they can hit you with multiple overdraft fees on all of your smaller debits. Have the transactions pending for days before they clear so the balance of account was never accurate When you know more funds where in the account This is an illegal practice that Wells Fargo has been doing for years and get caught and called out they just end up paying fines and it continues. I have been a customer with them for 4 years both personal and business and if I were to add everything up over the period they would likely owe me thousands of dollars in money they stole from myself and my business. Wells Fargo deserves more than being able to get a slap on wrist pay a fine and act like this never keeps occurring Someone should go to jail.

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 2023-01-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a XXXX credit card. They are also associated with XXXX financing since the month of XXXX they have been recording inaccurately on my credit report. Someone used my credit card fraudulenty XXXX was notified at least XXXX times and have never corrected the situation. This problem has brought my credit score down by at least XXXX or more points, they are very unprofessional. They are inconsistent, and they shouldnt be in business..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company LoanCare Escrow analysis came in and my county tax was raised approximately 700 %. I called mortgage company and they had no answers that was the numbers provided. I call my county and they said mortgage is absolutely insane it would never increase and gave me the new rates and number for 2023. Mortgage company wont go by the county government website they need a bill which hasnt been issued yet. Ive missed 2 payments so far XXXXXXXX XXXX XXXXXXXX.

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