BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited {$2400.00} into Wells Fargo on XX/XX/2022. Wells Fargo put a hold on it even though there are weekly deposits from this same local company and local bank of {$1000.00} and will have multiple checks in various amounts as well. The check cleared the writing bank on Mon  XX/XX/2022. The hold was until Tue XX/XX/2022 when the check showed cleared. On Wed XX/XX/2022 Wells Fargo removed the funds charged insufficient funds put XXXX day hold on the check, no doubt hoping we had started using the funds and they can charge nsf fees. I called Wells Fargo and told them the check had cleared. I offered to get a banker from the other bank, XXXX XXXX XXXX XXXXXXXX XXXX on the phone to verify the check had cleared but Wells Fargo XXXX refused and said I would have to wait the full additional XXXX days. 

This is the XXXX time in a row Wells Fargo has done this with a check that was over the regular {$1000.00} weekly deposit. On XX/XX/2022 {$5000.00} was deposited and cleared the writing bank on XX/XX/2022. Wells Fargo put a hold on this deposit, they said because of the amount it would be a XXXX day hold. This was after initially crediting it as usual, so we did have nsf fees. When I look at my account now, Wells Fargo has cleaned it up. I had to get an XXXX cash deposit of {$3000.00} to cover my account on XX/XX/2022 because the above deposit was on hold, but that is not what my account shows now. Despite what my account shows, Wells Fargo had my over 5k to play the market and make money. It put me through the ringer. Regardless of the fact it credited back the nsf charges once the deposit was finally credited as it should have been done in the first place, on XX/XX/2022, who's to say they do that everytime for everyone they do this to.? And, even if they do, they did/ could send things back causing problems with vendors, my reputation, my credit reports. 

Wells Fargo gets its information from automatically and electronically from the XXXX XXXX just like every other bank. This is not a one off as it's happened to me XXXX. This time being worse than the first. The error being so blatantly false and automatic, and according to a XXXX untouchable and unfixable on their part. 

In most cases, people would be mad at the person or entity that wrote the check. At the very least, their efforts would be in contacting a XXXX department to find out why their check bounced. So, this is very sneaky. They were not counting on a self employed person who is in a company small enough that he would check and catch on to what they are doing and report them. And, by erasing everything, they make it hard to track later once you do.

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 2023-03-06
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts that are included in the letter have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.15 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 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 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 2021-01-04
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: Was not notified of investigation status or results

Complaint:
I mailed letters to the credit bureaus on XX/XX/2020 and I haven't received a response. The information I found on my credit report is inaccurate and I know with covid there might be a slight delay in the response. The fact the credit bureaus are not responding makes me feel like they are ignoring me. I went online and saw this is happening to other people as well. I found that their failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report and it has been over this time. I'm requesting the accounts be removed from my credit due to their lack of responding. If nothing is done I'm going to file for litigation and I'm hoping you can help me because this stressing me out. Please help me.

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 2021-01-04
Company: KEYCORP
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Key Bank put out a notice. I first saw this notice on Thursday XX/XX/XXXX on my mobile banking app. The notice stated that the company was taking this time to process payments and the funds would be available at XXXX, specifically, on Monday XX/XX/XXXX. It is now after XXXX and from what I can see, nobody has received their payment. When anyone calls, they are told that they ( Key Bank ) does not have an answer for this and if it is not shown to be pending then the customer would not be receiving payment. Customers were also told " if you didn't get it by now, you're not getting it '' Which is completely untrue, unless it was stolen by the bank, during processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
For the past few months, I ; ve disputed XXXX reporting of a 120 late payment to XXXX XXXX XXXX XXXX. Unfortunately, they continue to report this. They are reporting a commercial property on my personal credit. This property is an active hotel and the master deed states that it's for transian use only, so you cant live there. I was in a rental pool and was an income generating property. And, XXXX XXXX clearly states that properties with Hotel signs do not qualify for conventional mortgages. XXXX had no business lending in this arena and that's why they no longer do. This is not a home, nor could it ever be one. This was ownership of an income generating hotel room. All you have to do is XXXX the address of the loan and you'll bring up the hotel.

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to TransUnion was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX : {$790.00} XXXX XXXX XXXX Balance : {$630.00} XXXX & CO XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX : {$780.00}

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 2021-09-09
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/21, I called Citibank requesting details about my recent scam transaction that I need to provide to the XXXX XXXX police. My case is currently with XXXX XXXX. I specified that I need a statement from the bank showing my name, my bank, my account, the date of the wire, the amount of the wire, the person receiving the wire, the bank receiving the wire, and the account receiving the wire. I know all those information myself! I just need a statement from the bank! And I told the representative that I have the bank statement but the bank statement information isn't enough since it only states the date of the wire and the amount but the person receiving the money and the bank receiving the money is not there. Citibank said they will email me the details but they send me the bank statement. Then on XX/XX/21, I called again. They still send me the bank statement. On XX/XX/21, I called again and they still send me the bank statement regardless of what I specify. This is a criminal case that I am chasing after and they are delaying it! I AM REALLY ANGRY. I am not asking for someone else 's statement. I am asking for my OWN statement with DETAIL and they CAN NOT provide a statement of their OWN bank. How can I trust Citibank have my best interest in mind when I already opened up several investigations with them and they keep closing them on these same few wires? I am VERY DISAPPOINTED and FRUSTRATED and EXHAUSTED about this. How many phone calls do I HAVE TO CALL? How many more people do I have to speak with and they give me same superficial answers and still not do what I ask 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 2023-10-17
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
It started several weeks ago ( mid to late XX/XX/2023 ). My wife and I live much of the time in XXXX. I am XXXX and my money is in the XXXX. I have a bank account in XXXX and replenish it using XXXX a money transfer company. XXXX instituted new controls and after repeated attempts on my part to send them the documents they needed they still claimed they could not read the documents and they dropped my account. I appealed that but it took several weeks to get reinstated. My XXXX funds deposit money monthly into my Wells Fargo account. I could not access my funds because I share my XXXX phone ( which Wells Fargo uses to send a verification code ) with my son in XXXX, and my son can not be reached. I had earlier tried to order a secure number generator and was told by the phone rep at Wells Fargo that it was more or less hopeless to have one sent overseas. I tried to reason with WF to send a code to my email and they refused. We then requested one of my wife 's friends in the XXXX to order us a SIM card and we had it sent to us via XXXX. After receiving the SIM card I found our account was still blocked. I called WF numerous times ( I would estimate at leat 20x ) talked with customer service in XXXX, and in the XXXX. The Fraud Department in XXXX, the Fraud Department in the XXXX, the 'Account Takeover ' group in the XXXX . On one Saturday I spent over 11 hours on and off the phone with WF. Each time they told me my account is unblocked. Finallly a few days later again spoke with WF in XXXX and one of the customer service reps checked some other data base and said the problem is that our new phone number must be verified. She told us she initiated that procedure on our behalf and that the procedure would take 3 days but 'to be sure ' wait 4 days and try again. Tried again on the 4th day and again transaction would not go thru. Called WF again, asked to escalate to a supervisor. Supervisor said the procedure takes 5 days and wait till end of day XXXX Monday. I just waited till past XXXX Pacific time tried again and account is still blocked.

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 2022-07-13
Company: EQUIFAX, INC.
State: AL
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:
When I re-investigated my credit report, I realized that some of the information was erroneous. The Equifax and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : Equifax : XXXX OF XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX : {$0.00} XXXX : XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: EQUIFAX, INC.
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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is my second time reporting Experian. Experian removed the false information, then at the request of XXXX XXXX XXXX put it back on my credit profile. I am unable to file another dispute with Experian so I am submitting a complaint here.

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts that are included in the letter have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.15 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 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 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 2019-04-09
Company: ERC
State: NY
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:
This fraudulent account was removed from my XXXX account last year in 2018 and now has been reinserted back to my credit file. I am a victim of identity theft and this account is supposed to be blocked from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSWORLD SYSTEMS INC
State: TX
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:
I am filing this complaint to TRANSWORLD SYSTEM INC for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Professional Credit Management, Inc
State: AR
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:
My identity was stolen and i summited a police report to all XXXX credit bureaus and disputed all unauthorized hard inquiries and disputed a collection that did not belong to me and advised them that this is also against XXXX XXXX. The fraudulent inquires and collection were not removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Experian Information Solutions Inc.
State: FL
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:
Disputed item : XXXX XXXX XXXX  XXXX .... 

On XX/XX/2020 I sent out letters advising ( with evidence ) that an account had been deleted from the original creditor. USPS tracking # XXXX which they signed for XX/XX/2020 at XXXX, their response was for XX/XX/2020 - report # XXXX in which they state : DISPUTED ITEM NOT LISTED ON CREDIT REPORT, which is false because when I checked my report, it is still showing up. 

I then sent them a second letter on XX/XX/2020 XXXX tracking # XXXX which they received XX/XX/2020 at XXXX. I stated it was a second attempt of validating the information and deleting the current account ( evidence of letter available ) which they responded " this time '' with the credit results and the item on my credit file, when before they mentioned it wasn't listed. Their outcome determined the creditor would remain. 

Items sent to them : Copy of Original Creditor STATING they had deleted that account from my credit file ( which this bureau, hasn't ) A letter stating the facts and proof ( which this bureau, hasn't ) A copy of XXXX  's report which specifically says ( DELETED ) Asking them to VALIDATE the account & the process of VALIDATION : step by step ( who they've spoken to, what have they done, etc. ) and they have consistently refused to do so, they just say they have verified the account and ignore my requests. 

Thank you in advance for your valued assistance.

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 2023-10-13
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened up an account with Citi bank on XX/XX/XXXX deposited a check on XX/XX/XXXX soon as I tried to use my debit card they locked my account they told me a letter with a reference number was sent out I never received it here it is XXXX which I've been calling them every week still no letter this morning I talked to a supervisor which he told me they only sent out one letter but the employees were saying they sent me another letter Everytime I called now the supervisor is telling me they only sent out one letter and can't send but one letter now I have to wait up to 3 months for them to do a investigation which I don't understand why.

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