BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-10
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I want to make all consumers and stores aware of more fraud being used by Wells Fargo banks. I opened a store credit with XXXX XXXX to finance new windows and siding on. When first on the website applying I did not know it was backed by Wells Fargo. Had I known prior, I never would have used their financing. As Wells Fargo takes extra steps to fraud its customers. I signed an agreement on XX/XX/2023. My contract states I would receive a promotion of 6.99 % for 48 equal months. My total amount is {$16000.00}. Even though the windows and siding where charged seperate days, they are both under the SAME promotional deal. which should make the payments {$400.00} My husband noticed an issue when the second bill arrived, that would show the charges for both windows and siding and it did not reflect an accurate amount. We are being billed {$400.00}. While this XXXX seem small, it adds up! I called Wells Fargo on XX/XX/XXXX and spent XXXX minutes on the phone trying to get them to explain their math. To which no one could explain. I finally spoke with a woman and was told she was further up the chain and could explain why my bill was slightly higher. ~ I recorded this call at this point~ She said to me that Wells Fargo XXXX my total amount and used a base intrest rate of 2.42 % ( not divided over months ) and that is where they come up with {$400.00}. That amount based on that math matches what my bill is. However it is NOT abiding to my contract and is allowing them to slip in {$3.00} extra each month. I was told I would go into a 10 day dispute process to resolve the issue, but only received another call on XX/XX/2023 stating they find no errors and the previous information was wrong. I recorded this lady also, because I'm also being charged ans extra {$27.00} intrest fee and their calculations are still incorrect. I was told that extra intrest fee was a 4.99 % charge on my monthly balance. To which she would bounce back and forth between 6.99 % and 4.99 % not making sense of why now I its an extra 4.99 %. I'm not sure if they simply read a script from a book, but when I would question her, she would claim she didn't say 4.99 % but said 6.99 %... again I would repeat and ask her to re explain the fees and she would say it again. I had enough of her XXXX XXXX XXXX  XXXX, and told her I was ending the call. 
I fully believe Wells Fargo is slipping in small portions of extra fees on every customer. Most consumers do not think to figure the math, especially if the amount is decisively close to the actual amount. 
Wells Fargo is also not keeping to their agreements with businesses to honor their promotions. Which most consumers will blame the businesses for

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 2023-02-03
Company: Experian Information Solutions Inc.
State: TN
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I keep getting denied credit cards due to unable to verify identity adverse action and would like any hindrances to be removed.

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 2023-02-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I FOUND OUT LAST MONTH THAT A CREDIT CARD WAS TAKEN OUT IN MY NAME OF XXXX DOLLARS AT A DENTIST OFFICE IV NEVER BEEN TO. I DO KNOW THE PERSON WHO OPENED THIS CARD WITH MY SOCIAL SECUIRTY NUMBER. XXXX XXXX WHO ACTUALLY WAS MAKING A PAYMENT ON THIS CARD AT XXXX POINT STOPPED AND BECAUSE THE MAILING ADDRESS WAS UNDER HER MAILING ADDRESS I HAD NO IDEA THIS CARD WAS EVER EVEN OPENED UNTIL I CHECKED MY CREDIT SCORE AND SAW THIS WAS TAKEN OUT IN MY NAME WITH OUT ME APPROVING XXXX DOLLAR CREDIT CARD LIMIT. THIS WAS ON XX/XX/2019 2019

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 2023-02-03
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: 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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-14
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have told Experian as well as other platforms that they are not posting the correct info on my report and they allow the companies to continue to do so which for XXXX is illegal and XXXX, violating my right to fair representation!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions 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 status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-01-11
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My father passed away, I still live in the house. Freedom mortgage confirmed me as a successor in interest, the deed is now in my name. Freedom mortgage will communicate with my over the phone, but refuse allow me online access to access loan documents and make payments. They claim they will only allow me online access if I refinance the loan.

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 2023-04-27
Company: Experian Information Solutions Inc.
State: TX
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:
Experian has failed to handle this matter via multiple communications of disputes, i.e., phone, letters, dispute resolution center, and CFPB. These attempts have been frustrating and mentally draining, not to mention financially damaging. The failure to provide an appropriate lawful and legal response will only have me seek further action. I asked that you respond no later than 10 calendar days ; if not, I will see this as Experian agreeing to the alleged debt is not valid. I also require that your response not be one of verified or been verified I asked that you verify, validate, and show legal and lawful documentation stating or showing I am LEGALLY obligated or responsible to pay these alleged debts. Just stating verified and been verified are not lawful or legal responses. Please delete the following INSTANTLY from report # XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ( reporting two potentially negative months ), XXXX XXXX ( reporting 72 potentially negative months )

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2023-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had multiple vendors that I bought items or paid for services from that were never delivered but I was still charged. I tried to cancel the services or cancel the items, request refunds and ask for the automatic debts stop with the merchants with no success. These caused me hundreds of over drafts and thousands in fees and lost monies. When I tried to dispute things with Wells Fargo, they never cancelled the debits, blocked the reaccuring charges, or pursue action against these unauthorized debits, never refunded overdraft fees, kept charging overdrafts, pretty much never helped me, had my back, or treated me like a valued customer, just a number. In the end, the caused my business to fail and close its doors.

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 2022-10-29
Company: Experian Information Solutions 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:
I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2023-01-22
Company: Amsher Collection Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have taken all appropriate measures as well as reaching out to all of the credit bureaus making them aware and also placing freeze holds on them. I have filed multiple reports with all of the sources, disputes, and complaints with XXXX XXXXThere are multiple phone services suddenly popping up on my collection reports and this is just one of the 3 accounts I have to attempt to resolve. My business has also been compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo took out of my account double and I couldn't use ATM card alot of times my account was taking off savings and I would use my card and it was XXXX making it embarrassing when money was there fraud would freeze my account having to step back in line for purchase

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 2023-04-27
Company: EQUIFAX, INC.
State: AL
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:
I am a human being. I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. They have violated my rights several times. I demand the accounts below to be removed from my credit report because according to 15 USC 1681 I have the right to privacy and did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Hello I just received my investigation report back from Trans Union, File # XXXX issued on XX/XX/2023. 

I informed Trans Union that my name and ONLY name is : XXXX XXXX XXXX as proved on my Social Security Card and Drivers License attached. 

It seems Trans Union left WRONG names and Incorrect Names and Names that are not me on my credit report such as : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX all of which are not me whatsoever. Who are these people? And why are they on my credit report? and why did Trans Union not delete these names when I asked the to correct all these incorrect names? 

Please Delete ALL the incorrect names, I should have only 1 Name which is my own. 

Correct Information : Name : XXXX XXXX XXXX SS : XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX Employment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please have the Wrong Information Deleted and Corrected to the above, the Wrong information is hurting myself and family from moving forward to a home. 

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

Account name : 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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2023-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One closed my secured card. This is their legal right to do so I am not upset about that. In reviewing my credit report recently, I noticed a record of three consecutive late payments on my account for the months of XXXX, XXXX, and XX/XX/2019. 

However, when I called them after they closed it, they said no payment was due because the security deposit would cover the balance. Three months later I got a notification saying I was late. I called them again to speak about this they said it was accurate. I pointed out my previous phone call. 

I immediately made the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
State: IL
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:
my information has been sold to third party companies and thats FRAUD!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had a Wells Fargo account in this timeframe and was charged multiple overdraft fees and other fees. I never recieved anything about this settlement what do I need to do to see if I qualify to get a claim?

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: Experian Information Solutions 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:
As of XX/XX/2022, I submitted letters to the credit bureaus in regards to some inaccuracies and unknown information being reported on my credit reports and as of today, XX/XX/2022 I have not received any correspondence from the credit bureaus about these accounts that are affecting my credit reports and scores. It is my understanding according to Section 611 ( a ), it is plainly stated that failure to do an investigation within 30 days this gives a reason to have the accounts immediately removed from my credit reports. 

I am demanding that these accounts be deleted immediately or I will file litigation due to the stress this has caused me. It also appears that my information has been impacted by the XXXX XXXX XXXX and may have gotten into the wrong person 's access.

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