BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
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:
This is my several requests and It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2023-02-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Was not informed of the class action settlement. Was unfairly charged overdraft fees and monthly fees.

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 2018-03-13
Company: U.S. BANCORP
State: CA
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:
On XX/XX/XXXX, after a significant time in queue, I was in the process of being transferred from XXXX ( Supervisor ) after speaking to XXXX ID # XXXX in US Bank Visa credit card disputes department who was unable to assist me. XXXX told me my dispute to 3 of my four issues could not be handled by her department and decided I should be transferred to another department. During the transfer to the fraud department, I was disconnected. 

In keeping with their sub-par level of customer service, no one exercised common sense or courtesy to call back, apologize and make certain I received the help for which I placed the call. I was not about to subject myself to the rude, and unfriendly agents and decided to send a letter instead. I did so on XX/XX/XXXX. US Bank XXXX XXXX XXXX has not responded to my letter requesting charges I did not make nor authorize be removed from my card. 

Attached is the letter sent to XXXX XXXX XXXX at the verified proper address. 
This request for assistance is made timely. I am looking into another XXXX card provider, likely XXXX, however, I wish this matter be cleared as soon as possible. 

Alternatively, may I file a small claims action against this XXXX XXXX XXXX division of US Bank? A small claims action will require less time and give them an ample opportunity to find someone who can effectuate my request to remove unauthorized charges. Also please advise what other reasonable methods are available to resolve consumer issues with a company acting in an unprofessional, frustrating, and irresponsible manner? 

XXXX XXXX XXXX must still be trying to ascertain how many people are required to change a lightbulb at? Apparently, they dont have enough and the specific answer is still unavailable.

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 2022-03-14
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 been a victim of identity theft where someone hacked into my network and stole my personal information and opened up some account in my name, which are fraudulent. I have filed a police report and have disputed the information with Experian, XXXX, and XXXX, but they have not removed the fraudulent account from the credit report as of yet. Please remove immediately because it is affecting my credit rating. Thanks a lot. The accounts which are fraudulent includes : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018, and XXXX XXXX- Date Opened : 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 2023-03-04
Company: Experian Information Solutions Inc.
State: NC
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 Account #, 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 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 2020-06-03
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Currently I am in the midst of pursing several complaints against New Rez/Shellpoint for multiple wrongdoings. However, just yesterday, I encountered another issue with this untrustworthy institution. The latest occurrence has to do with Shellpoint falsely sending me an approval for a Forbearance Plan that I have never requested ( see attached " Shellpoint '' doc ) and will not accept. This is tremendously concerning and I want something to be done about Shellpoint immediately. Forbearance is for people who are struggling to make payments and/or are behind on their payments which is not the case in my situation at all. As per the attached document from Shellpoint, this is not the case for me now or ever. I am current through XX/XX/2020 and I have never missed a payment, nor have I ever applied for Forbearance at New Rez/Shellpoint ( see attached " Shellpoint_Current Status '' ). While I have read material on their website regarding Forbearance when making my monthly payments because its prompted when you log in, I have not applied, nor do I intend to. Therefore, the attached letter I received yesterday appears to be another gimmick by Shellpoint and part of an ongoing scheme to defraud customers. My concern is that they can somehow report this to the credit bureau which can be harmful to my credit ratings and I will be forced to pursuit legal action against New Rez/Shellpoint. For the record, I want my name removed from any program associated with any type of Forbearance at New Rez/Shellpoint as I will not accept any such offer. I am hereby requesting that Shellpoint send me a written statement indicating that the letter sent to me was sent in error and that I am not in any such plan, and that they will not submit any information to the credit bureaus saying that I am in a Forbearance Agreement. Again, I am imploring the proper authorities to please do something about this company. 

cc : NJ Consumer Affairs Attorney General Office of NJ Department of Banking & Insurance of NJ

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 i was fraudulently charged XXXX dollars and when i filed a claim they only credited half the amount i claimed and later closed my claim after telling me it was still open and were looking into it. The charge not credited was made on XX/XX/XXXX and charge went through on XX/XX/2022 from XXXX XXXX for {$100.00}

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 2020-06-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Equifax Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXXXXXX not mine XXXX XXXX  XXXX XXXX not mine XXXX XXXX {$2100.00} not mine XXXX {$24.00} not mine XXXX XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX XXXX {$4700.00} not mine XXXX XXXX XXXX XXXX {$450.00} not mine XXXX XXXX XXXX XXXX {$300.00} not mine How is Equifax able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file. Please send a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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:
FCRA violations : accounts not mine XXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Account status Unpaid FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Open. 

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07
Company: TD BANK US HOLDING COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
TD Bank has blocked me from accessing my checking account and put a hold on my money. I tried to resolve the issue over the phone but they want me to go to a branch in person to solve it which unreasonable and inconvenient for me because at the moment Im in the State of Oregon and there are no branch anywhere whatsoever. They want me to go back all the way to New Jersey in order to remove the hold and I dont think I will be back in New Jersey for at least the next 4 months. The way they handle this type of issue is just out of the ordinary and it is causing me stress for trusting a failed financial institution with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Hi cfpb I am reporting XXXX for reinserting a debt that doesnt belong to me from, XXXX XXXX XXXX AND XXXX XXXX XXXX I have proof that it has been removed and have proof. Under the FRCA is a violation for {$1000.00} per each due to FCDPA. I am asking this to please be removed for exchange of the violation fines. I will upload my proof for my protection. IF not removed I dont mind proceeding with litigation as I am covered with all my documents from old to present. Please remove for the exchange of  violation of {$1000.00} per each and litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: DISCOVER BANK
State: CA
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:
While checking my Discover credit card Activity, I noticed an Unauthorized Balance Transfer of {$500.00} Posted on XX/XX/XXXX  made as Miscellaneous. Which I did not authorized or consent to initiate the charged. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the balance Transfer Charge without permission. I request that your company either mail me a copy of my signed authorization form that gave you the right or Permission for this Miscellaneous Balance Transfer of {$500.00} that posted oXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo seems to be not learning from it's past mistakes. It's very old fashioned, inefficient, non customer friendly mortgage bank with buggy IT systems and very useless employees ( very low hiring standards as they try to hire via XXXX XXXX and have no transparency in terms of hiring local US Workers but just want to hire cheap XXXX XXXX workers ). 

Current issue : 1. I wanted to pay off $ XXXX towards my principal to do the recast. 
2. I changed the mind and switched the dated from XXXX to XXXX and then to XXXX XX/XX/2019. 
3. Later i finalized to make the payment on XXXX XX/XX/2019. 
4. Come to know that i can't as system doesn't allow, why? 
5. Called the customer service. I was told that the previous deleted transactions are not deleted and thus it won't allow me to pay on XXXX XX/XX/2019 so i can only pay on XXXX OR XXXX XX/XX/2019? What???? 
6. Who architected, designed and implemented this useless system. Why it impacts me-my recast money should be in my mortgage account before XXXX of the month otherwise my recast will be delayed by 1 full month. It's a big deal for me. She could do anything in this case. 
7. ask me to try again tomorrow ( Sat on XXXX XX/XX/2019 ). As if i have no other work and when they have limited customer service hours.

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 2017-07-05
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was made aware a few weeks ago that I was being charged for " debt protection '' service on my Best Buy Store card. I have at no point ever signed up for this service, nor have I ever used it. I immediately called to cancel when I found out that this was being charged to my card and that all that money was going towards nothing. They cancelled the service and submitted a request for a refund. I received a letter today denying that request, because my account " was protected by the program benefits through the end of the billing cycle in the month I cancelled '' despite the fact I have never used these " benefits nor would I ever need to. This letter also stated that I had signed up for this service in XXXX/XXXX/2007, which is also untrue as I would never knowingly add extra fees to my monthly payment. Again I have never used this service. Their customer service advised me that they have no number to provide me to rectify this, or speak to the people who process these requests. They gave me a mailing address and told me they can make another request which I 'm sure will yield the same results. I would like these fees refunded to me as this is deceptive and they have gotten probably thousands from me for something I never consented to or needed.

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 2018-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Capital One Credit card cycle runs from the XX/XX/XXXX of each month. This past month, XX/XX/XXXX- XX/XX/XXXX, I made a payment of {$250.00} on XX/XX/XXXX and paid the full amount left on the credit card ( {$6900.00} ) which made the card have a {$0.00} balance. I then received an email stating that the amount owed was {$110.00} which was the interest charge for the month of XX/XX/XXXX. The account was at a zero balance and was paid before the statement cycle ended and I should have not been charged any interest on the account. I spoke with a customer representative for the company ( the representatives are located in the XXXX ) and he informed me that I had to have {$0.00} balance for two months in order to not get charged any more. They would not reverse the interest of {$110.00} and told me I must make the payment, which I reluctantly had to do because I did not want to have to pay interest next month on the interest for the previous month. This is a deceptive practice by Capital One and their credit card company. Even though I was told I would not have to pay anything the following month, I am afraid they will charge me interest again on the interest I already paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-18
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: Information belongs to someone else

Complaint:
I am a consumer in pursuant to 15 USC1692A3 XXXX, XXXX, and Transunion are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX  XXXX  nor Transunion nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. A FTC/Police report was filed and is attached to this complaint. 

XXXX XXXX XXXX/XXXX  XXXX XXXX Account # XXXX Amount {$7100.00} XXXX  Account # XXXX Amount {$230.00} XXXX XXXX XXXX  XXXX Account # XXXX Amount {$590.00} Inquiries : 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