BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-25
Company: WELLS FARGO & COMPANY
State: OR
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:
On XX/XX/2021 I used a website called simplex to purchase {$500.00} worth of XXXX. After receiving a text from Wells Fargo asking me to confirm that it was me who attempted to make that transaction, I replied with yes. After authorizing this one transaction of XX/XX/2021, there proceeded to be another 19 charges to my debit card in the following 30 days that amounted to {$4100.00} on this website for purchases that I did not authorize nor did I partake in the making of these purchases in any way, shape, or form. I do not check my bank account every day as I am a student in dental school, so I have a very busy schedule. This is a company that is located somewhere in XXXX, and I attempted to reach out the them multiple times and received nothing but automated responses in return. I use the services of a company called XXXX, which allows you to make a purchase and pay it off incrementally later. After attempting to pay my balance off at XXXX, I received a email from Wells Fargo that my account balance had reached {$0.00}. I went to check my balance and realized that I had received over {$100.00} in overdraft fees, on top of having a negative balance. I then glanced through my charges to see where my money went, disputed all of the charges I did not authorize, and had my dispute promptly denied by Wells Fargo the next day. I did not make these purchases, and I did not present my debit card to the merchant nor did I enter a PIN. My card was ran as Credit and my account was completely drained, on top of this, it was cryptocurrency which was purchased, making it untraceable and impossible for me to see where my funds were sent. After calling Wells Fargo and explaining that these charges were not made by myself and that my card was ran as Credit, they told me they had no other information for me and to have a good day.

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 2023-11-15
Company: EQUIFAX, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: WELLS FARGO & COMPANY
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:
Wells Fargo Dealer Services, XXXX, XXXX and XXXX ( acct # XXXX ) has failed to update XXXX late payments listed on my credit reports. I was listed as 30days late XXXX XXXX XXXX, 60 days late on XX/XX/XXXX and 30 days late on XX/XX/XXXX. I was told by Wells Fargo that my auto loan was deferred from XXXX of XXXX until XXXX of XXXX. In XXXX of XXXX I resumed my normal payments and discovered in XXXX of XXXX that I was 30 days late because of interest not being paid during the deferment period. I was not informed of interest that needed to be paid during the deferment. 
I informed the rep that the CFPB investigated Wells Fargo and found that they violated consumers and was ordered to pay consumers 2 billion dollars because of unfair and deceptive acts that includes illegally repossessing consumers autos, closing accounts, charging surprise overdraft fees and other illegal activities I also informed the rep of 15USC 1666 correction of billing errors and was refused During this time of the improper credit reporting, I was denied the option to refinancing of my loan with my credit union, denied a line of credit as well as denial of an increase of my current credit cards.

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 2020-10-27
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 is missing that should be on the report

Complaint:
ALL XXXX  is reporting inaccurate payment history across CA 's, please Delete accounts per the Fair Credit Act.

There are 5 accounts with the same number : 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 2022-12-26
Company: U.S. BANCORP
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have spent many hours trying to solve this problem and no XXXX at US Bank would help me re : an XXXX Acct. back in XXXX in our name : XXXX XXXX XXXX and XXXX XXXX XXXX. We have been customers of US bank for XXXX years in XXXX XXXX and we have never experienced this kind of poor customer service. XXXX Bank agents at US Bank tried to help us but then gave up. We have been given several different departments to help us but no XXXX  can figure out how to do an XXXX # XXXX corrective form to a lien that US Bank did not file properly. 

The XXXX representative XXXX has also spent many hrs. trying to help me get this problem solved. We having been working on it for the over XXXX weeks and he has faxed the request XXXX  times for a XXXX # XXXX form to be filled out by US Bank to let him know that this equity line was paid off and satisfied so he can release our escrow money of {$150000.00} that was taken out of the proceeds on the sale of our home on XXXX XXXX, XXXX. 

We need help to get USBank to fill out & file the proper form so that we can get the money back from an escrow fund that the title co. has been holding for over XXXX weeks. 

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 non-monetary relief
Consumer complaint received 2023-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was the victim of fraud due to phishing. {$3500.00} were taken from my account on XX/XX/23, after hacker used XXXX XXXX  to pursued me into accessing my account under false pretends. Upon realizing what had happened I went to Bank of America as the funds were processing they did not cancel the transaction and or gave me a temporary credit per E-regulatory laws. I submitted evidence the following day, that these hackers were trying to contact me again and information regarding the calls and links they were text messaging in attempts to continue to defraud me and despite of this Bank of America have continued to be in violation of e-laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Filled a dispute with XXXX  who stated it will remain on my credit even though it is 10 years old and also has wrong loan amount, wrong payment history and wrong highest balance. They refuse to remove the account as it has inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I checked my credit report and there are charge off accounts appearing on my credit report that I have no knowledge about. U have never received anything in the mail from the creditors. I would like to see all the information regarding these accounts like when they were open, addresses cards mailed too, transactions receipts and signed applications from each creditor. Equifax, XXXX  and XXXX  are allowing these creditors to report incorrect information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Citi Bank is retaliating against me due to my XXXX and social security income. 

On or around XX/XX/2020, a XXXX transaction took place on my account for XXXX, XXXX and XXXX to a unknown person by the name of XXXX. I didn't authorized those transaction. 

Due to my XXXX and social security income, I requested an fraud investigation. 

I disagree with Citibank regarding the balance on the account. I didn't authorized the transaction. 

The transaction is not valid and Citi Bank has refused to conduct an investigation. I reach out to Citibank on multiple times to protect myself from unauthorized charges with XXXX but Citibank refuse to conduct an fraud investigation regarding the transaction which may be connected to the paycheck protection program. 

This is a discrimination action against Rev. XXXX XXXX XXXX due to his XXXX and social security income. 

The transaction was never received or made by me. The transaction was dispute with Citibank. 

Citi Bank is refusing to proceed with arbitration under the term and conditions. 

Such fraudulent transaction with my bank account is making it very hard to payoff my double cash credit card because XXXX is missing from my banking account. 



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 2023-09-26
Company: IQOR US INC
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The companies involved are XXXX and Allied Interstate LLC. I defaulted on these loans in XXXX. Upon default I experienced aggressive collection tactics that I feel were illegal. This complaint is mostly about Allied Interstate LLC though XXXX is the company that contracts this scum and is subject to a relevant lawsuit settlement. They called my co-workers and boss at work. They called my boss at my former job. They contacted my father at work and home. They also contacted my mother ( who had no link to these loans ) at home and work. They talked with my boss about the personal business of my private student loans. On one particular phone call I had with them threatened to ruin my life over these loans. Everything they did was to scare me into some kind of payment. They pressured me into " borrowing '' money from a family member to settle these loans. I ultimately talked my father into settling the loans for me. I was never able to pay him back and that has damaged our relationship. I later found out XXXX was subject to a lawsuit settlement ( link included below ) that I would have qualified for if I hadn't settled the private loans .... I have contacted Allied Interstate LLC since the settlement of my private loans for settlement documentation. The only thing they will provide me with is receipt of my settlement payment. They will not send me any other official documentation of my loan settlement. I would really like to sue them over there tactics however I think it's too late. I was cheated top to bottom by these companies. I know there isn't anything I can do to fix this for myself. However, these companies need to be investigated and shut down. 

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, and 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: CA
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 will file a complaint to you today to inform you I am a victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to complain to the 3 bureaus directly through this website. Here are the accounts that are erroneous in my file and need investigation : 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 2023-09-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Yesterday, I was trying to XXXX money from my checking account to my son in Ohio. The online banking at Chase would not allow me to do so, thinking it was a fraudulent transaction and freezing my account. After numerous unsuccessful attempts to resolve the problem over the phone, I went into the local branch, identified myself to the representative, and asked for her help. She, XXXX XXXX, tried to assist me, but after several failed attempts ; she called someone to ask for further assistance! I forgot to get the name and # of the lady she spoke with, but was assured that she would resolve the problem. We were told that it would take a half hour or slightly more for everything to process. By then, it was XXXX and I had been trying steadily to get this sent since XXXX. XXXX suggested that I go home and try again at XXXX. She said she would be available untill XXXX if I still had problems! After trying again at XXXX, failing and being locked out again, I tried to call XXXX 4xs and was unable to get through! I tried to logon to my Chase account again this XXXX. Still locked out, XXXX is off work today, XXXX said he would have someone call ( XXXX ), but nobody has called!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2400.00} XXXXXXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-12-26
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:
The account in dispute is being unlawfully being reported and is being reported in violation of Section 604 ( 15 U.S.C. 1681b ).

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 2023-09-22
Company: Capio Partners, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call from someone who identified herself as XXXX from Capio Partners ( my best attempt at spelling the name ). She said that she represented a collection agency. The creditor was XXXX XXXXXXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) and the date of service was XX/XX/. She said that we owed {$1100.00}. We checked with both the health insurance company and XXXX XXXXXXXX XXXX XXXX The insurance paid the claim and the XXXX XXXX XXXX said that the bill was paid in full. The dollar figure given by the caller did not match any combination of the bill or insurance payment figures. 

XXXX gave me a call back number of XXXX. She also gave me a patient advocate number of XXXX. The number she gave me for XXXX XXXX XXXX was XXXX. I independently checked the number for the alleged creditor. It was not the same. XXXX gave me a client reference number XXXX. She said that the account had not been reported to the credit companies. 

I did not indicate to XXXX that I would make any payments. There was recently a data breach at XXXX XXXX, where the procedure occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18
Company: Schachter Portnoy, L.L.C.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XXXX a credit was taken out card through XXXX XXXX, I had made payments through Schacter Portnoy LLC, for quite a while ( yeah, I defaulted ) not my proudest moment, one day they had some issues with their system, they were in the process of changing things over with how this was all managed. I called to check on the status, they reflected the payments resolved. ( couldn't find the debt ) seemed like the same thing to me. So fast forward, to XX/XX/XXXX and I am in the middle of closing on a house, and I'm told a judgement needs to be dealt with. So, judgement, what judgement, my lawyer tells me its with XXXX XXXX XXXX, and I call them, they advice that all maters are through Schacter Portnoy LLC. ( XXXX, XXXX and XXXX ). I have been in the process of buying and selling homes for the last 2 years, and nothing has popped up during this process until now. So the date of rendering on the judgement is listed as XX/XX/XXXX but the date listed as the date of filing the judgement is listed as XX/XX/XXXX ... ... What is that all about, how is that even possible? So if all that isn't screwy enough, I did mange to speak to someone reluctantly at XXXX, they didn't want to talk to me about this at all. Yesterday they told me that the last date of payment on file was listed as XXXX, to the best of my knowledge this thing went away in XXXX, maybe XXXX on a stretch. I can tell you with absolute certainty that nothing has been payed as I didn't even know it still existed. Portnoy tells me that I owe them {$5100.00} but they will except {$4300.00} ( mighty nice of them ) but the debt listed on the Judgement ( in my hands now, as of this morning after many phone calls to the county ) is {$6300.00} plus XXXX in costs. {$6400.00}. This only came to light is I was closing on the sale of the house and this is holding it up. So if I pay it, I will never see that money again. If I screw with this to long, it can torpedo my sale. My current credit score is XXXX, I am not a guy that doesn't pay his bills, and why isn't this XXXX issue showing up on my credit, at all? Need your help, something is very very wrong with this whole thing. Oh, and did I mention that XXXX XXXX XXXX seat is in XXXX, where the house is. They judgement was filed in XXXX XXXX New York. The tittle search company also confirmed that this whole thing is shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had XXXX dollar with drawled from my account by an email. I called to dispute it immediately when I got the notification that money was being pulled out of my account. The transaction happen XX/XX/23 I gave them a call around XXXX or XXXX to dispute it. They denied my claim. Which doesnt make any sense. No one has access to my account but me. I havent given out my account information or allows anyone access to with drawl money out of my account.

Company response to consumer: Closed with explanation