BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I already submitted my claim to CFPB regarding this claim, however Wells Fargo refuses the do the proper investigation to my claim, instead Well Fargo easy way out was to changed the facts and the information given. 
Wells Fargo Bank has been giving me the runaround for the last five months. Well Fargo must need to send the information given to the correct department to do the fraud investigation for the check XXXX XXXX forged the signature to cash the check and also the illegal steps he took to get a hold of this check and the money, Wells Fargo Bank should not be allowed to let this criminal XXXX XXXX to legally scam consumers. 

XXXX XXXX foraged the signature to endorsed the cashier check, cashed at Wells Fargo Bank. XXXX has returned the check and has served a subpoena against Wells Fargo Bank for relevant documents. Despite the check being made payable to a corporation, the check is endorsed as an individual and not on behalf of the named corporate entity, by someone with authority as is required under California law. Moreover, given that Ms. XXXX is named as every officer and sole director, she would be the only individual capable of authorizing any endorsement of the cashiers check. Consequently, without any authorization from Ms. XXXX, this is a fraudulent endorsement perpetrated by XXXX, notwithstanding the check wasnt endorsed as required by California law on behalf of the corporate entity. 
The information provided is squarely relevant to this analysis and shows beyond the fraudulent endorsed check, the larger scheme to defraud Ms. XXXX who is likewise trying to defraud XXXXXXXX XXXX. 
** SEE ATTACHMENTS

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 2020-04-07
Company: SYNCHRONY FINANCIAL
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I use PayPal, I also have account with Synchrony. Synchrony contacted me last year I believe XXXX, XXXX. They informed me my account was hacked they closed it issued me a new card. After that i paid card off, fraud and all i wanted nothing to do with this bank. They advertise 2 % casg back on everydollar spent but you dont see it after 2 months. They said paypal was responsible, I contacted paypal to inquire about it the person became rude gave me no explanation. I asked for my account to be closed, and that I no longer want to deal with them. They refused to close my account and told XXXX, were I use to shop I committed fraud. I haven't been allowed to shop there any more with out giving them my banking information which I will not do. There other personal things on my statement that's not there business. I have an XXXX credit score, I'm XXXX yr old a veteran suffering with XXXX and can no longer deal with this company on my own. I'm asking for your help, guidance. 
XXXX XXXX XX/XX/1950 XXXX XXXX XXXX XXXX XXXX PA 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 2023-10-11
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Mr. Cooper Group Inc.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was enrolled in a Covid -19 program I split one payment into two payments for one month. I submitted the {$91.00} later in the month. The {$91.00} was added to my monthly payment due when I called in for the error to be corrected. Then the money reversed out again in XXXX, causing XXXX payment to require a {$91.00} payment. Mr. Cooper has mismanaged my account and the errors needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to communicate with them to let know that these where not my accounts. But they have continued to disregard the information that I am give them.

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 2020-12-30
Company: DISCOVER BANK
State: NY
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:
Around my mothers passing I had relatives come pay their respects. I had a few people in my home, family members staying over. Moving forward I realized I was receiving emails of an upcoming concert I had no idea my card was charge for. As soon as I realized I reached out to Discover, during the many representatives I spoke too not one advised me to reach out to the merchant, Discover closed that account and send me a new card. After they concluded their investigation their claiming the person behind they theft is my sister. They said in order for them to remove the charge Ill have for file charges on my sister. I refuse because one my sister didnt go to any concert, also again because of people in and out my mom it would be hard to determine who made the charges. What I can say for certain that I didnt make the charges and been fighting this charge ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An XXXX XXXX Account " XXXX '' in has been wrongfully added to my credit report affecting my credit score on both XXXX and Experian credit reports. I am not the owner of this account, and this was added in my name illegally and is entirely inaccurate. This is defaming my name and impacting my right to credit as well as voilating the consumer protections act and fair XXXX credit reporting act since this is fraudulent reporting. The only way for this wrong to be corrected is for this entire account and all of its history to be removed from my credit profile immediately. I have never been personally liable for any XXXX XXXX credit card in my life. Please report this, rectify it completely, and stop this fraud from taking place.

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 2023-01-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Kindly Correct or removed the following items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I mailed a check priority mail to XXXX XXXX XXXX XXXX Texas. It was placed in the wrong post office box XXXX XXXX XXXX TX Wells Fargo deposited the check into their account. It was written for {$6000.00} but I inadvertently wrote the numerical amount for {$6900.00}. It was written XX/XX/XXXX and cleared my bank for {$6000.00} on XX/XX/XXXX. I filed a fraud claim XX/XX/XXXX with my bank XXXX, XXXX XXXX, VA. Nothing has been done. My son went into Wells Fargo in California and was told by the branch manager that it is in an actual Wells Fargo owned account. On XX/XX/XXXX I spoke with XXXX with Wells Fargo Customer Advocacy she took my complaint XXXX. My case manager is XXXX XXXX. I was able to speak with him on XX/XX/XXXX and he listened. He said he would call me on XX/XX/XXXX. I called him on XX/XX/XXXX he told me that it is a Wells Fargo account and it is noted that the deposit is in error. He said he would call me back. He has not. I called and it rings once then nothing. I am not getting my money returned or any answers. I have since paid XXXX XXXX in full. I need Wells Fargo to return my money.

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 2021-10-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : WELLS FARGO CARD SERVICE*****Date Opened XX/XX/XXXX Balance {$0.00} Charge Off WELLS FARGO BANK XXXXDate Opened XXXX. XXXX, XXXX Balance {$0.00} Charge Off

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 2022-05-05
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
Hello I submitted a dispute with the bureaus about a closed XXXX XXXX XXXX XXXX that have late payments on them and a repo which is in accurate and unverifiable and even sent them proof that the payments they are reporting late are inaccurate i paid those months they are reporting late and they are also saying i had a repo which is not correct. I disputed with them asking them to submit the method on how this information was verified but they sent me no information. i will attach the letters i sent and also my bank statement from those months they claim i was late. 
XX/XX/XXXX i made a payment of {$350.00} for XXXX payment, XX/XX/XXXX I made a payment of XXXX for XXXX payment and on XX/XX/XXXX i made a payment of XXXX these payments were made on time and taken out of my bank account i don't know why the three bureaus still have that i was late and a repo when i was never late or got my car repo on this account. please help me fix this

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 2023-10-11
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed the XXXX XXXX XXXX XXXX account that is showing on my credit report. This account is a civil judgment and shouldn't be reporting on my credit report. Experian did a dispute and it came back with no updated results and it's still showing on my credit report. I have spoken with a supervisor and stated that I was trying to establish that this was a civil judgment during the dispute with XXXX XXXX and for them to answer that it was a indeed civil judgment. A previous conversation with a XXXX I was told that XXXX XXXX directly towed Experian not to remove this account. Experian States on their actual site that civil judgments do not report on credit reports. As per consumer law no civil judgment information is to be reported on a credit bureau report. Experience is clearly in violation of my civil rights.

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 2020-04-07
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
TD Bank has informed me my HELOC account has been frozen with no explanation as to the reason. HELOC was recently paid to XXXX and I requested it remain open. I previously submitted a claim to CFPB as TD Bank would not release my over payment refund to me which has since been resolved. 
I was informed by secure TD Bank Portal chat on XX/XX/XXXX that my credit line is frozen and at {$0.00} and I must visit a Branch to complete documentation. I immediately responded to that message asking for more information and I have received no response. I sent another message on XX/XX/XXXX with no response. I have contacted XXXX XXXX of TD Bank on XXXX, XXXX, & XXXX with no response. I have contacted XXXX XXXX of TD Bank of XXXX with no response. I have called TD Bank at XXXX and waited on hold in excess of 60min with no assistance. I have emailed the Manager of my local TD Bank branch on XXXX with no response. 
I am paying a yearly service fee to keep my HELOC open and the funds available for use. My HELOC is in good standing and all payments have been made and paid to XXXX. I do not see any contractual reason why this account has been frozen or why I must visit a branch for further documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account Name : N/A Account Number : XXXX Account Name : N/A Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX XXXX 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 or 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 explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filled out a letter stating that I was requesting my free annual report from Equifax. They sent a letter back saying that I was filing a dispute that I never requested. They've also stated that I am being under investigation for the dispute, I feel that they are trying to sabotage something with my credit file in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is two collection accounts from XXXX  XXXX  that is being reported to my credit file from XXXX, Experian, and XXXX and I DO NOT know what it is. I disputed these inaccurate accounts with all three companies and they did not investigate the information and continue to report unverified information! 
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 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is two collection accounts from XXXX XXXX that is being reported to my credit file from XXXX, XXXX, and TransUnion and I DO NOT know what it is. I disputed these inaccurate accounts with all three companies and they did not investigate the information and continue to report unverified information! 
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 2022-05-24
Company: EQUIFAX, INC.
State: PA
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:
XXXX & XXXX XXXX reported me to the credit bureau saying I owe a medical bill. I never went to XXXX XXXX XXXX ever. I sent them a debt validation letter via certified mail and the never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: SYNCHRONY FINANCIAL
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 is missing that should be on the report

Complaint:
I have had paypal since XXXXnever reported to credit bureaus!!! When they extended credit they would ask and I never ever applied for credit I had a paypal number!!!!! Since synchony bank took over they started to report!!! I called paypal and they said no we do not!!! due to the extended 6 months no interest on purchases!!! This bank now charges XXXX dollars with just minimum payment!!! I sent payment during this virus of XXXX and told them to not charge interest along with minimum do but they keep on calling this is terrible I never applied for their credit because I knew its a bad 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 2023-10-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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 do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation