BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My mother, XXXX XXXX XXXX, passed away on XX/XX/XXXX. She had been in a XXXX XXXX & my sister had been her Legal Guardian of the Person & the Estate. Her job stopped the moment my mother passed away. My mother had a will & I am the XXXX. My job started the moment my mother died. 

I went to the XXXX XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX to record her death & start the administration of her estate. They were behind in their work & didnt have the Short Certificates available then. They mailed them to me. I got them in the mail on XX/XX/XXXX. I made an appointment at XXXX XXXX XXXXXXXX, PA for XX/XX/XXXX, to set up an Estate Bank Account. 
I then made an appointment at Wells Fargo Bank for XX/XX/XXXX. I showed XXXX XXXX my ORIGINAL DEATH CERTIFICATE & SHORT CERTIFICATE. She noted that & made copies of both. She then called her contact at some legal division of the bank. They told her there was a hold put on the account & that only they can lift it. They also told her that ONLY my sister can close the account. I told them that was against the law. The law states that Legal Guardianship ends upon death. XXXX stated that to whomever she was on the phone with, but they would not budge. She said she has to follow their rules. 

I had checked with my friend who is a lawyer prior to going to Wells Fargo. He told me what the law was. 

While I was at Wells Fargo, I called XXXX XXXX from XXXX XXXX  ( the woman who set up my mothers Estate Checking ). I put her on speaker phone. She explained exactly what I had said to XXXX. XXXX got up & stormed out of the office & came back with the bank manager. She said the same thing. They have rules & they must follow Wells Fargo procedure. 

They did finally issue a Cashier 's Check made out to XXXX XXXX XXXX XXXX for {$12000.00}, which was the amount in my mother 's Irrevocable Burial Fund, which left a balance of {$1300.00}. I did forward that check to them. There is also an outstanding balance of {$2200.00} owed to XXXX XXXX, as well as another {$3000.00} for the headstone owed to XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( thru XXXX XXXX ). As well as ap proximately {$2000.00} ( so far ) owed to me for expenses paid by me. 

By law, they have to release that money in a Cashier 's Check made out to the Estate of XXXX XXXX XXXX, which I will then deposit into my mother 's Estate Checking Account I set up at 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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hard inquiries in my credit report that is fraudulent.

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 2021-05-29
Company: EQUIFAX, 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 XXXX my credit score was XXXX. XXXX  XXXX removed XXXX off my credit and XXXX  removed XXXX. These are still showing up on my credit report. I have correspondence from all 3 credit bureaus where they responded to me over the last year to my mailing address so XXXX. XXXX XXXX XXXX, Fl XXXX. Now they are stating they can not verify my identity as a reason to have not responded to my consumer disputes. That is at minimum unethical. The most prevalent dispute submitted was XXXX, which was submitted several times did not garner a response at all, moreover within 30 days. I asserted my FCRA rights to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: REGIONS FINANCIAL CORPORATION
State: AR
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:
Someone claiming to be from REGIONS BANK text me saying there was a fraud against my account and asked if I had spent {$63.00} at XXXX I text no it wasnt shortly afterwards they called me and I spoke with a man for over an hour and a half trying to get this fixed he claimed he was from REGIONS. He asked me all sorts of questions. He wanted my regions online banking pass word and me assuming it was REGIONS I gave it to him. He also asked for my husbands Social Security number, and my husband gave it to him and told me on several occasions to push. Yes on these amounts that did not look correct to me he said it would correct my account and my account would not be accessible for XXXX hours after we hung up for some reason that did not sit well with me and I checked it the next morning this all happened XXXX XX/XX/23 next morningXXXX I checked my bank account and there was {$220.00} and there was {$4400.00} taking out of my savings account plus another {$4000.00} out of my savings account we went to the bank as soon as they open at XXXX oclock. I had the lady to change our password, give us new debit cards and I have checked our checking account for the last XXXX weeks to make sure that nothing else has been taking out. We filed a Fraud alert against our account on all three of these went to the sheriffs department and made a claim still have not heard from the sheriffs department. We went to the Social Security office and put a block on my husbands Social Security number, so they dont try to take his Social Security check, the bank has informed us that they are not going to pay us back which I think is a XXXX XXXX XXXXXXXX because it was not our fault. I thought we were talking with REGIONS I have sent them a letter with all the information that I have this person took the money from XXXX Missouri, the phone number that they text and called from is XXXX. I also told REGIONS if they did not satisfy me in a timely manner that I would have to get an attorney because I dont work for a living to pay XXXX to rip me off. Is there anyway you can help me with our situation? Thank you. XXXX and XXXX XXXX my number is 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 monetary relief
Consumer complaint received 2023-06-25
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:
I reviewed my Consumer Report and noticed that I had inaccurate information on my report which includes balance, last activity date, verification dates, and payment history. Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information correctly to the best of there ability with maximum accuracy. Please investigate and provide accurate information/status of my account. If proof can't be provided. I demand that this account ( XXXX XXXX XXXXXXXX ) be deleted due to inaccurate information on activities, balance, and payment status across all three bureaus. Thank you

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 2022-09-24
Company: Selene Holdings LLC
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:
My bankruptcy was discharged on XX/XX/XXXX. My mortgage was paid in full among completion. I have a XXXX balance based on the discharge, the Notice of Final Cure, and the Lien Release from Selene Finance. I already filed a complaint with the CFPB. The complaint # is XXXX. Selene acknowledged that I do not owe anything to them. They sent me a letter with the mortgage lien release and the response to the CFPB. My credit report is showing that I owe a balance of {$11000.00} & I was past due over 180 days. I spoke with Selene & was told to file a dispute and that they would fix the error. I filed a dispute with XXXX on XX/XX/XXXX and Selene responded on XX/XX/XXXX and just added notes to the account that I owe {$11000.00} and have been over 180 days past due over 4 times. Please assist me in fixing my credit report to accurately reflect that I have a XXXX balance and have not been past due for over 180 days. I paid the morgage thru the XXXX  XXXX Bakruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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:
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 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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hellos Guys!! 

I sent letters to the 3 credit agencies XXXX, Equifax and XXXX to verify some elements that are being reported on my credit. I have been investigating and discovered that the credit bureaus have been violating my rights by reporting accounts or negative items incorrectly, since I see that each one of them reports different balances, wrong dates and incorrect late payments.

I have also sent letters to the creditors who are reporting on my credit to update the information in my report and they ignore me, they have not given me answers. 

I have sent letters to the bureaus since XX/XX/XXXX and to this day they continue without giving me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: LoanCare, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint regarding lump sum payments on my mortgage loan account, entered into XXXX 's web page. Verbal complaint not allowed, referred to web page. 

I entered this on their web page : " When a lump sum mortgage payment is made ( pushed from my bank ), you automatically apply it for up to the next three months of principal and interest. I am paying additional principal each month, and you keep applying it to multiple months ' principal and interest. I have to call each month to have you reverse the interest charges, and I believe you are actually charging me excess interest, because it is not back credited to the date the lump sum principal payment was received. In other words if the payment was made XX/XX/XXXX, and you convert the interest back to principal on XX/XX/XXXX, you are charging me an extra half month interest. I think this is a predatory lending practice. Think of all of the thousands of customers that you are cheating. 

Please go through my account and ensure you have not overcharged me interest for each month where I paid an addtional principal payment. You also need to modify your automatic processing software to not apply payments forward. 

Thank you for your attention to this. '' Dates : XX/XX/21, XX/XX/21, XX/XX/21 Amounts {$50000.00}, {$3000.00}, {$3000.00} I called XXXX to ask them to convert the future amortized interest payments back to principal, and they have cheerfully done so, but I believe they have possibly overcharged interest on the mortgage accounts of myself and many other customers who thought they applied lump sum payments to current principal, not future amortized interest. They told me extra payments are applied up to three months forward if sent from my bank.

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 2023-06-25
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: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2022-05-27
Company: Experian Information Solutions 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:
Experian Is saying I have accounts that have 30 days or more past due, I have went through my file called all current companies I am current on all accounts they are trying to mark me late for accounts that were included in my bankruptcy from XXXX and charge offs that happened in XXXX and were put in bankruptcy

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 2023-06-25
Company: Experian Information Solutions Inc.
State: IL
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 complaint is in regards to my previous complaint to CFPB ( complaint # XXXX ). XXXX XXXX says they reported my account as delinquent past 30 days, which is inaccurate. I closed my account with XXXX XXXX, and I had it paid off when I closed it. Then, XXXX XXXX says that they reported my account accurately to the credit reporting bureaus as delinquent, when, in fact they made adjustments and just recently sent me a refund credit in the mail via check in the amount of {$43.00}. Now, I expect XXXX XXXX to fix their reports to the credit bureaus from delinquent to paid on time and card closed. XXXX XXXX would not have issued me a credit refund check of {$43.00}, if the account was not paid off. I have not made any additional payments to XXXX XXXX, which indicates that they card was paid off at the time of closing. It further appears that I actually had overpaid my balance at the time of closing, or XXXX XXXX would not have issued this {$43.00} refund check. Please have XXXX XXXX fix their reporting to the credit bureaus as non-delinquent, and then this matter will be resolved once and for all. Thank you.

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 2023-07-14
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2023-10-15
Company: Experian Information Solutions Inc.
State: MD
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.

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$950.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1300.00} ; 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

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