BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I received the following notification on XX/XX/XXXX : As we previously communicated to you, we applied a temporary credit* to your account during the week of XX/XX/XXXX for {$270.00}, and {$410.00} on the week of XX/XX/XXXX to help you have access to your stimulus payment since your account had a negative balance on the day before it was deposited. On XX/XX/XXXX, we will reverse the temporary credit and deduct the amount from your account. It is important that you prepare for the reversal of this temporary credit. 

Upon notification from Wells Fargo, I made multiple calls for an explanation for these unauthorized transactions. They could not even explain the when, what or why justifying this proposed action. After 6 exhausting calls to Wells Fargo Customer Service, I learned these aforementioned credits were given without my knowledge, prior authorization or request on XX/XX/XXXX and XX/XX/XXXX. 

I was never informed of this action. Nor was I ever advised or consented to the preconditions surrounding the proposed bank remedy. And when these funds would be withdrawn from my account. 

Now, with only a few days advanced noticed, I will have {$680.00} debited from my account without prior authorization or permission from me. 

I am a XXXX veteran living on XXXX, and on a strict fixed income and can not survive if these funds are withdrawn from my account without prior approval, permission, or any memorandum of understanding or agreement previously approved for Wells Fargo Financial to access my account at their will. 

In addition, the transactions that occurred on XX/XX/XXXX, XX/XX/XXXX and the pending withdraw scheduled to occur on XX/XX/XXXX are all unauthorized transactions executed by Wells Fargo and never consented to. 

Lastly, two unrelated transactions are scheduled to be debited from my account on the same day 5 months later? This is not an ethical banking practice. And attempt to take these unauthorized funds at this time will have dire consequences for me. Thank you for your attention.

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 2022-09-30
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXXXXXX Balance : {$44000.00} XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX 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 2022-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
During the XXXX XXXX the amount of XXXX was transferred from my savings account without my knowledge. I then informed the Bank of the issue and now my account is frozen. My spouse and I had to open a new account. The fraud is under investigation and that takes up to 10 to 45 days. The person also had my XXXX XXXX changed on my personal mobile phone. This is the fourth time this has happened to us, and I would like for it to stop! 

Thanks in Advance

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 2018-09-05
Company: HOVG, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am a victim of Identity Theft so I had an alert placed on my credit. That said, I have received several alerts that XXXX XXXX XXXX XXXX has accessed my credit. I have not received a notice from them so I dont know what this is about. I have wrote them as well and to date no one has responded to me yet they continue to access my credit. Latest date was XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my personal credit report, which I acquired from all 3 major bureaus, on XX/XX/2019 and I noticed that this unauthorized inquiries were reported on my credit reports. 

I contacted the entities who are reporting the inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have not received verification of my inquiry and according to the FCRA ( Fair Credit Report Act ) legally these unverified and unauthorized items must be removed! 

TransUnion- XXXXXX/XX/XXXX XX/XX/2022 inquiry XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XX/XX/2022 inquiry XXXX XX/XX/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
Consumer complaint received 2023-04-30
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In 2018 I received a call from Navy federal saying I had fraud on my account and that I would receive a form to my email to fill out and email back I did and switch 2 months my accounts was closed I was then told they never received the form so I went into the bank to fill out the form and still nothing happen with the. Past 5 years I fill out this. Form over 40 times and. When calling or going the back I am told they dont have the form to fill out again in the meantime I had a lawsuit go into said account I had. 1 checking account and 3 savings account in which 2 was saving open for my children this has cost me so much pain my XXXX XXXX XXXX account was closed without any notice nor expansion my XXXX XXXX  just disappeared it like I never opened the account Someone is using XXXX to defraud me the answer the phone like their government agency and the Bank just the other day I called XXXX XXXX  XXXX only for the person on the other to give bank account numbers that does not belong to me at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
All of this is regarding a XXXX XXXX of XXXX issued by SunTrust. 

On XX/XX/XXXX, I attempted to mobile deposit the check into my XXXX XXXX checking account. On XX/XX/XXXX, I was informed by XXXX that SunTrust had rejected the deposit. I contacted XXXX XXXX  to ensure that there was no hold on the funds, then, on XX/XX/XXXX I attempted to mobile deposit the check into my SunTrust checking account. Again, XX/XX/XXXX, the deposit was reversed by SunTrust. I contacted SunTrust on XX/XX/XXXX and opened case XXXX for research as to why the deposit was reversed. On XX/XX/XXXX, I contacted SunTrust as to the results of the research and I was informed that the only thing they found was that " they thought '' that I entered the wrong amount when doing the mobile deposit. On XX/XX/XXXX, I physically deposited the check into my SunTrust checking account at a SunTrust branch in XXXX, XXXX Again on XX/XX/XXXX, I saw that the deposit was reversed. At this point, I still do not have the funds and, as I deposited the check at the local branch, I do not have the physical check.

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 2022-06-15
Company: EQUIFAX, 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 XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX have violated my rights.

15 U.S.C 1681section 602 A. States i have rights 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Bread Financial Holdings, Inc.
State: MI
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:
Commenity bank visa closed the credit card account on XX/XX/2022. The account had been paid in full every month and on time since it had been opened. Yesterday the credit limit of XXXX was decreased by XXXX. This is very wrong! How can a company change the credit limit after the account has been closed? The change was recorded with XXXX. The change lowered my credit score!!! I contacted commenity bank and have not been able to get this corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX have violated my rights. 

15 U.S.C 1681section 602 A. States i have rights 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

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 2018-09-05
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017 an Open Collections appeared on my credit report from the American Adjustment of Burea Inc on behave of the original creditor XXXX XXXX of XXXX. The alleged debt owed is {$310.00} The first action I took was to dispute the collections with XXXX but they claimed to not be successful with the dispute. I am no form in relation with this company or debt, for I have never been to the XXXX of XXXX or have done any business transactions. There is no proof or documents showing me in relation to this debt and so it is clearly not my debt. Up to this day is it still on my credit report and it could be potential identity theft on their end about this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Statebridge Company
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I secured a loan for approximately $ XXXX from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, SC XXXX The credit union closed and State Bridge located in Colorado took over management of the loan. Since Statebridge took over management of the loan, they have consistently mismanaged payments and accused me of being past due. Money orders were sent and they would indicate that the money orders were not received. When I checked to determine if the money orders cleared, clearance occurred. I sent them correspondence with every money order and the amount. The correspondence was acknowledged, but no response. At this point, I am unable to speak with a manager and have called multiple times to have a conversation. I believe I should be done with paying the loan. However, their records are inaccurate and the are unwilling to communicate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: ALLY FINANCIAL INC.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I joined Ally 's payback promotion in XX/XX/XXXX and I had confirmed with several representative that I would be eligible to get the full {$1000.00} bonus if I make {$100000.00} deposit into the account after I enrolled into the promotion. It would not matter if I withdraw any money before the enrollment. However, I only received {$660.00}.

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 monetary relief
Consumer complaint received 2023-05-03
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I. C. Systems sent me a letter about a debt that is not mine. I called them requesting more information and sent them a letter. Today they put accounts in collections with credit agencies without providing further information about the debt they are trying to collect on.

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 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
XXXX XXXX  XX/XX/XXXX TransUnion XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2023-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a Bank of America credit card with my company that has rewards of XXXX Bank of America said i closed this account before redeeming rewards so nothing they can do.. I never closed that account and can still long into it after fighting with them for a few years. it still shows the rewards i have but will not let me redeem. i have called again after ruling from CFPB for this fraudulent activity and bank says there is nothing they can do and even if there is a ruling it doesn't mean they will pay me back. I submitted complaint they sent me a email saying they are working on it and requested more time. When i went back to check on complaint they send message to bureau they contacted me and complaint is closed .. this is false information. after the initial email i received nothing. i actually had to call them numerous times with no response so my only choice is to reissue complaint in hopes i get someone that will resolve the issue, they kept the money and drawing interest off it so they cant say they don't have it.

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, 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 602 ( a ) Section 2, it states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-06-15
Company: FC HoldCo LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
INQUIRES : A credit report of inquires that do not belong to me CREDIT IN THE CREDIT BUREAUS : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLAGSHIP CREDIT 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 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Have automatic withdrawal to pay B. of A. mortgage. I refuse to do business with Bank of America due to their blatant, unfounded attack on 2nd Amendment rights. Thankfully mortgage, note holder agrees to refinance through another institution. We both feel leaving the Bank of America is out of our hands. Their recent actions regarding XXXX rights are absolutely illegal. We both believe Congress will intercede in this matter. In the meantime we must close all accounts with substantial amounts of fees being applied. We demand B. of.A. pay all associated fees. Taking responsibility for playing politics. An the attempt to steal rights from citizens is their own fault.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pulled my credit report without my authorization creating a " hard inquiry ' on my TransUnion credit report, and probably XXXX and XXXX, respectively. 

I submitted a dispute with TransUnion in writing, XX/XX/2023 and received official response dated, XX/XX/2023, informing me that they will not take any action, but to contact, XXXX XXXX XXXX XXXX XXXX XXXX  though the response from TransUnion and their policy say, " If you think an inquiry was made without a permissible purpose, we strongly encourage you to reach out to the company who received your credit report to find out whether they have opened an account in your name. '' The company can then investigate and, if they determine that someone fraudulently applied for credit in your name, they can close that account and contact TransUnion requesting removal of the inquiry. 

I did as I was instructed by contacting both XXXX XXXX XXXX XXXX XXXX XXXX and TransUnion to help resolve my issue but both continued have me have the other resolve the issue to have the inquiry removed TransUnion specifically said, " if you have specific information that the inquiry was made fraudulently, or does not relate to you, you can also call us at XXXX. And stated that, " Transunion reviews and considers all relevant information you provide when you open the credit dispute process and we take one or more of the below actions : - Determine the disputed information does not appear on your credit report or already shows the requested status, or - Make changes to your report based on the information you provide, or - Confirm the business or financial institution previously verified the reported information, or- We investigate your dispute by contacting the source of the information. '' I never received resolution from neither and the above mentioned parties. Please help get this issue resolved. Thanks!

Attached are the dispute letter sent and the response from TransUnion. And, XXXX XXXX  XXXX ( XXXX ) took a report but continue to make me goes back and forth between the XXXX XXXX  and XXXX with no ending resolution but long period on the phone between the two.

What would be a fair resolution to this issue? 

XXXX XXXX  XXXX XXXX XXXX XXXX the company that initiated the inquiry need to investigate and, if they determine that someone fraudulently applied for credit in your name, or the company pulled my credit report without authorization they can close that account and contact TransUnion and request removal of the inquiry.

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