BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-31
Company: WELLS FARGO & COMPANY
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am writing this complaint against Wells Fargo because I feel Wells Fargo has not done enough to track down the borrower. I am an easy target for them because I have answered phone calls on numerous occasions. I cosigned 8 loans for a former dear friend. I currently have not had any contact with her as she has cut herself off from friends and family. She is currently only paying on one of the 8 loans because her brother also cosigned. The other 7 have not been receiving repayments since she has finished her schooling at the University XXXX XXXX. She has not responded to any of Wells Fargo phone calls or emails. So Wells has constantly stressed me for payment. I feel that they have not done enough to locate her either through a Wells lawyer or private investigator. Why isnt Wells Fargo garnishing her wages? Wells Fargo is not being diligent locating her, or researching her employment for repayment. She is the borrower the on that went to college. Instead I have become their means of communication. I have my own student loans as well as car, motorcycle, mortgage monthly payments and can not afford to make her payments. I am my XXXX year old mothers caregiver who suffers from XXXX and XXXX. I am under XXXX daily from caring for her and the harassment from Wells Fargo adds to it. I am asking to have Wells Fargo remove me from the loans and seek retribution from the borrower. I have uploaded the most recent letters from Wells Fargo. 
The amounts for each loan is as follows : Loan 1 : XXXX Loan 2 : XXXX Loan 3 : XXXX Loan 4 : XXXX Loan 5 : XXXX Loan 6 : 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
Consumer complaint received 2022-10-25
Company: Experian Information Solutions 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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}

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 explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I expect you to delete all the incorrect information in my report. The items I need deleted are located in the closed account section of the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a cheking account # XXXX with Td Bank named cutomer relation chect was opened with my home mortgage loan with the bank loan # XXXX. On XX/XX/XXXX I sold my car XXXX XXXX XXXX to someone I never see him but all was online .on XX/XX/XXXXXXXX  I discovered that Td bank online stopped the transaction, I noticed that it was scam and fake check. After two hours aroung XXXX XXXX i was suspended online from any access to my accounts eaither checking or mortgage loan. I contacted TD Bank XXXX customer services XXXX XXXX on XXXX XX/XX/XXXX informed me that the bank took action against me by blocking me online and cancel my customer relation account. 
I did not do anything and I should not be punished, the one who should be punished and treated bad the scamer not TD Bank customer for above 15 years, I never ever delay payment one day or have even any credit issue. Td Bank treated me unfairly compleatly. I am a victm not criminal. I served the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America makes it unusually difficult for Business Credit Card Customers to set up the Minimum Due payments to be withdrawn from clients OTHER bank. 
XXXX Bank of America, ( on Business Accounts ONLY ) makes it difficult for clients to set up AUTO pay for a minimum balance due, and Instead only allows clients to set up Pre-set amount of payment. ( and Not minimum payment due ). I believe that BOA makes it difficult in order to generate millions in Late Charges from Business Clients. 
My Example : When I received my business credit card, I went on the website to set up auto withdraw for a minimum amount due, and for Paperless statements. my minimum payment due was $ XXXX. After about a year of auto payments, I went online to check my balances, and learned that I was charged XXXX XXXX monthly late fees for 4 months because the minimum payments increased ( due to the rate increase ). When I called BOA, to explain my situation, and to explain to them that I set up min payments to be withdrawn, they stated that it was not the case, and that I was supposed to go through extra steps in order to do that .... 
I believe BOA is making it difficult for clients in order to generate extra revenue.

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 2023-04-07
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: Information belongs to someone else

Complaint:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
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: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: NV
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 correct from erroneous reporting in my file are listed on my credit report : 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 explanation
Consumer complaint received 2019-02-22
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I have 3 returned check fees reflecting on my account. Also my direct deposit didnt post in my Navy Federal Credit Union checking account. This is unacceptable and sets me back on all of the bills I planned to take care of today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: NJ
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:
Dear CFPB, I am writing to file a complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by the three major credit reporting agencies, XXXX, Experian, and XXXX. The specific violations of the FCRA include : Right to Privacy ( 15 USC 1681 Section 602 ) : The actions of XXXX, Experian, and XXXX have infringed upon my right to privacy as outlined in the FCRA. They have mishandled and disclosed my personal credit account information without proper authorization. 
Consumer Reporting Agency Obligation ( 15 USC 1681 Section 604 ( a ) ( 2 ) ) : Pursuant to 15 USC 1681 Section 604 ( a ) ( 2 ), XXXX, Experian, and XXXX, as consumer reporting agencies, have furnished account information without obtaining my written instructions. This action is in direct violation of my rights under the FCRA. 

Definition of Consumer Report ( 15 USC 1681a ) : The credit reports provided by XXXX, Experian, and XXXX do not fall within the definition of a consumer report as outlined in 15 USC 1681a. The reports contain information solely regarding transactions or experiences between myself and the entities making the reports and should not be classified as consumer reports subject to reporting and disclosure. 

Treatment of Payments on Credit Card Accounts ( 15 USC 1666B ) : The credit reporting agencies, XXXX, Experian, and XXXX, have inaccurately treated payments on my credit card accounts as late, which is prohibited under 15 USC 1666B. This treatment is in violation of the specific provisions outlined in the FCRA.

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 2021-12-29
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid 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:
XX/XX/XXXX I received multiple items from XXXX XXXX that cost approximately {$5000.00} dollars. The XXXX XXXX XXXX team was present to assemble all items for a fee of {$340.00}. One of those items was a XXXX XXXX ( {$1900.00} before discounts ) that came with a back piece that did not fit properly. The delivery team was unable to fully assemble the sideboard with the back piece that came with the order and they also left bolts and screws in a bag inside the sideboard for when the new piece arrives, as those will be needed for the next delivery team to put together. The delivery man took photos and I took photos. I called XXXX and sent them my photos. They told the credit card company that I waited a week to notify them. That is untrue. I have many many emails that I submitted to the credit card company in a timeline that was easy to follow if one took the time to read them. I also have many photos. Because I never received the back piece, the top of the sideboard warped ( pictures were submitted ). The sideboard is sitting at my house still to this day. It's never been used and is totally unusable without a back piece and screws and bolts still sitting in a bag inside. When days went by without communication or answers from XXXX I disputed this with the credit card used. 

In that same order and on that same day there was supposed to be 4 XXXX chairs ( 2 sets of 2 chairs ( {$1000.00} before discounts ) and again the {$340.00} XXXX XXXX XXXX XXXX to assemble these chairs. The delivery team said the 4 XXXX chairs were not on the truck. I called XXXX that day and told them this as well. They said they would put a trace on them. I have never received these chairs. XXXX told me that they were aware that I never received these chairs, and still has not refunded me for the missing chairs. The chairs and the XXXX XXXX XXXX XXXX  was added to the above credit card dispute. 

To summarize, I have received damaged merchandise from XXXX and charged for merchandise and services that I never received. I have been notified by my credit card company ( Costco Citi Visa ) that the dispute has been resolved in XXXX 's favor. That was XX/XX/XXXX. My husband contacted Citi Visa on XX/XX/XXXX and they have not re-opened the case. Our Costco Citi Visa credit card has charged us {$3400.00} which is payable in XX/XX/XXXX. My husband gave me this website upon his research and our credit card company has not notified us about our appeal options. 

Thank you and your agency for your anticipated effort in resolving this matter. 

Respectfully submitted, XXXX and 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 monetary relief
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$6300.00}.

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 2022-10-25
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX, I Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the FCRA 15 USC 1681, everything must be 100 % accurate. 

Can you please investigate my consumer report and ensure that everything is 100 % accurate? I have a list of accounts below : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3.00} {$0.00} XXXX. FXXXX XXXX XXXX XXXXXXXX {$270.00} Inquiries : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX 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 XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX 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. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

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- @ ( 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.

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 Respectively, can you please provide /send a copy of my investigation? 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a Collection Bill from ERC ( is a debt collector ) in behalf of XXXX XXXX XXXX for the amount of {$1600.00}. ERC telephone number is ( XXXX ) XXXX. This letter came on XX/XX/2022. 

Immediatelly, I contacted XXXX XXXX XXXX fraud department and filled a fraud document through the internet where I had to write my Social security and other information about me. This was the only way to proceed for a fraud investigation. I don't like to give my personal information but this was the only way to continue. 
They answered and sent me a note that they will respond in 5 days. After 4 days, I received another note, telling me that they will send a document to be filled in the next 21 days. 

At the same time, I reported to XXXX to see if there is a stranger request in my report but they told me that everything is normal. Also, I blocked my account and file an alert. 
I also called my Bank and reported that there was an alert about this situation. 

Yesterday, my wife completed a report of fraud to the police department in the city of XXXX XXXX. 
Today, I have made a report to " XXXX XXXX XXXX XXXX XXXX' with an alert of fraud. 

Thank you very much XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: U.S. BANCORP
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Background : I opened my checking account with US Bank ( XXXX XXXX branch ) in XXXX in the summer. Since then I've been depositing my 1099 income into it and I used that account for only that purpose. The fund is sent by XXXX ( a common payment company used by enterprises ) and the amount is sent every two weeks, consistently, with a traceable payer. So in short, there is only one income source for this checking account and the payer is verified and traceable. In addition to the checking account, I also have two credit cards with US Bank. 

However, in XX/XX/XXXX, US Bank suddenly closed my account without any explanation. I contacted bank via the customer service line multiple times, and was informed that there were " suspicious activities '' in my account. I explained to them the source of funds but no one could help me to resolve the issue. 

This is not the worse part. What is truly horrible is that US Bank then disabled my online login and does not allow me to re-enable it or create a new one. I tried to do this both online or via the customer support line, and I was informed that, from now on, I won't be able to use the online banking services anymore. How can I pay my credit cards? Will they be responsible if there are late fees or credit card interests incurred? 

I was trying to give my best respect to their decisions with the checking account. But not allowing me to use any online systems -- even if I try to be a responsible person and pay for my credit cards -- is just pure disrespecting its customers. I demand a response from the US Bank and fix the issues before any financial damaged are done to any further.

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 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/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