BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 i noticed a balance of {$0.00} on my mom 's savings account. On XX/XX/2023 spoke with XXXX and XXXX at Wells Fargo Bank was told that a judge has signed off to withdraw the money from account. I tried to explain that it was my mothers account my name is on the account because she's XXXX yrs old. I was told the account was turned over to XXXX XXXX XXXX case # XXXX. I spoke with XXXX ( XXXX ) XXXX XXXX who informed me it's XXXX credit card who turned it over to collections who sold it to XXXX XXXX XXXX. I was asked to send the 2 most recent statements to XXXX which i emailed statements on XX/XX/2023. I called again to XXXX XXXX XXXX and spoke with XXXX XXXX gave her SS # and bank statements. I was to the funds would be put back in the account. On XX/XX/2023 called XXXX XXXX XXXX and spoke with XXXX who asked for bank statements which she would forward to XXXX who was the initial person i spoke with. I sent the bank statements, as of today the funds have not beenreturned to the account. On XX/XX/2023 i received an email from Wells Fargo Bank letting me know the account XXXX was closed XXXX XX/XX/2023 and could be viewed for the next 90 days. I never signed for anyone to remove the money from the savings account. I wouldn't be complaining but this has caused a lot of anxiety to me and my mom. My mom even cancelled her appointment to the oncologist because there are no extra funds. I would appreciate any help or advice you can give me. We are both on SS and could use your expertise. 

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 2018-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Since I last reported XXXX to the consumer financial protection bureau I haven't heard anything different from them. I have asked them on the last report as of XX/XX/2018 they haven't tired to provided me with any updated information according to what the bankruptcy letter stated. In the letter that was sent to them it states that according to the FCRA laws and guidelines, " Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature ''. As of now they don't have a direct line for you to talk to anyone all you get no is a recording instead of speaking with a live person.

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 2023-09-15
Company: U.S. BANCORP
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX, I logged into the mobile app for my bank Desert XXXX XXXX XXXX. This app is password-protected and additionally has biometric data of my fingerprint and XXXX saved through my XXXXXXXX XXXX XXXX I applied for a XXXX credit card through the mobile app. These credit cards are issued by a partner bank, XXXX XXXX. 

Not only did I not receive any response from XXXXXXXX XXXX by email, telephone or U.S. postal service within 7-10 days as required by law, when I called cardmember services ( XXXX ) XXXX on XX/XX/XXXX to check on the status of my account, they claimed my identity was " unverified. '' They never sent me notice by email, telephone or XXXX postal service that there was an issue with my identity within XXXX days as required by law. They verified that they have my correct mailing address. They verified that they had my correct SSN and telephone number. 

They state that I have to FAX a copy of my driver 's license and Social Security card to them. As it is XXXX, I off course do not have a landline or fax machine. I am not going to the XXXX  Store to FAX my driver 's license and SSN card to anyone! I properly provided those documents in-person to XXXX upon opening my checking and savings accounts with them in XXXX, and I applied to XXXX XXXX through XXXX XXXX secure mobile app. 
The idea that my identity is unverified is absurd. 

Furthermore, XXXX XXXX refused to furnish the name of the credit reporting agency that gave them the information that my identity is unverified. I believe this is yet another example of XXXX 's failed verification service. As I have an open CFPB claim against XXXX, their continued denial of my existence is retaliation and yet another violation of federal law by XXXX. Additionally as XXXX XXXX is failing to furnish me the name of the CRA that gave them negative credit information, XXXX XXXX is also breaking federal law. I have a legal right to know which CRA is furnishing negative credit information and a right to confront my accuser.

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act XXXX ACT # : XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2023-02-20
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: Information belongs to someone else

Complaint:
The following account was added to my Experian Credit Report as of XX/XX/XXXX in error : XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$75.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$75.00} Balance Updated XX/XX/XXXX The reality is : I paid {$150.00} on 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
Consumer complaint received 2022-02-02
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 i sent XXXX payments for {$40.00} each {$80.00} total. While never having used XXXX before through Wells Fargo, it is advertised as powered by Wells Fargo. I figured if it's built into the Wells Fargo app and advertised as a Wells Fargo product that they would have my back if there was any issues. I was scammed out of the {$80.00}. I reported it to Wells Fargo immediately and they are refusing to do anything about it as if it's a completely different company that they have no ownership interest or contracts with XXXX. It is fraud plain and simple but Wells Fargo refuses to accept it as 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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX ) XXXX XX/XX/2023 Subject : Fair Credit Reporting Act, Section 609 2nd request Dear Credit Reporting Agency TransUnion, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, account number XXXX. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows : Date of Birth : XXXX SSN : XXXX I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Previously when requested verification, you failed to verify this account. 

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 non-monetary relief
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXr # XXXXXXXX XXXX XXXX  # XXXX XXXXXXXX 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

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 2023-04-05
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:
My name is XXXX XXXX. In the month of XX/XX/2023 I noticed information on my credit report that does not belong to me. The accounts and and Inquiries included in this report if Fraud. They are not mine.

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 2023-10-02
Company: Experian Information Solutions Inc.
State: TX
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX loan does not appear on all 3 reports 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 2023-08-02
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: Their investigation did not fix an error on your report

Complaint:
Experian allowed all my personal information to be compromised including Medicare and Medicaid numbers. Now, there is a question about my Social Security Number being used to apply for an XXXX XXXX XXXX. I can not get an accurate credit report from Experian.

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 2022-11-25
Company: Experian Information Solutions Inc.
State: KY
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:
account. 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. Account name 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 vears. 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

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 2022-06-06
Company: NCB Management Services Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Creditor Name NCB MANAGMENT SERVICES Account No. 
XXXX I paid for this account to be deleted. I have a recorded conversation and an email stating this. This account hasn't been deleted or updated at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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: Their investigation did not fix an error on your report

Complaint:
I was trying to buy a home and decided to review my Credit report and realized I have lots of damages on my credit report. 

According to 15 USC 1681 Law there should not be any damages on my report as this is a defamation of my character.

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 2022-06-04
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 reported these inquires and sent in police report by certified letters and they are still not removed

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 2021-11-10
Company: Flagstar Bank, N.A.
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the Credit Bureaus. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, the Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below is the account that is still reporting on my account : FLAGSTAR BK XXXX Balance : {$0.00}

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 2018-09-12
Company: Fairway Independent Mortgage Corporation
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I applied for a budget drafting plan that would change the timing of my mortgage payments from one lump sum on the first of the month, to two payments every two weeks. I spoke on the phone with a customer service advisor from Fairway Independent Mortgage Co., who said that the budget plan would take some time to implement, and that I should make my mortgage payment online in full on XX/XX/XXXX. On XX/XX/XXXX, I submitted my full mortgage payment online. 

On XX/XX/XXXX, I saw that the company had again charged me the full amount of the mortgage, then followed up on XX/XX/XXXX with a credit for the full amount. The company then charged me AGAIN on XX/XX/XXXX the full amount of the mortgage. 

I received two overdraft charges during this week as a result.

I called the customer service line at the company, and spoke at length with a representative and then with a supervisor. They refused to refund the payment, saying that I had done so with their permission. The supervisor denied the XX/XX/XXXX charge on my account existed, and demanded I send him a copy of my bank records to a fax number he provided. He also said that at the earliest the company would be able to refund me at the end of XXXX, and that I should just go ahead and accept the charges. 

Not only did the company charge me three times for the full amount of my mortgage and refuse to refund me, but they also charged me twice in one month for the full amount, versus what I signed up for - half every two weeks. 

Also it is suspicious that the supervisor would ask to have a copy of the bank records, when the company was at fault, in order to process a refund that would apparently take over two weeks. Fairway Independent Mortgage is playing loosely with consumer finances, and will end up costing me hundreds in overdraft fees as a result of their incompetence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. Thank you. 
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 2022-03-03
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief