BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I HAD 2 TRANSACTIONS UNAUTHORIZED ON MY ACCOUNT. 
XX/XX/22 - {$1000.00} - XXXX XX/XX/22 - {$2500.00} - XXXX THE TRANSACTIONS LISTED ABOVE WERE DONE WITHOUT MY PERMISSION, AND I WAS NOT INVOLVED IN ANY WAY WITH THE TRANSACTIONS. 
THIS WAS A FRAUD. 

ACCORDING TO THE BANK 'S CORPORATE POLICY I AM NOT LIABLE FOR TRANSACTIONS I DID NOT AUTHORIZE. 

I CONTACTED WELLS FARGO, THEY GAVE ME A CASE ID XXXX - I HAD TO FILE A LETTER OF APPEAL, AND THEY ARE TAKING FOREVER TO REFUND 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 2022-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
Capital one reported a late payment of {$19.00} on the account I paid in full last year. I was never notified of the outstanding balance, I never used the card after fully paying it off, so I paid it again in full. The ding on my acct should never have occurred. I paid the {$19.00} immediately when I saw it on my C-K report. It still reflects a negative remark that it was late. Look at all of my cc and other payments, not one of them are tagged with a " late payment ''. I filed a complaint against Capital One, but your investigation did NOT give a final decision to remove the derogatory. I ask that this " late payment '' remark be REMOVED FROM MY REPORT. THE ACCT IS PAID IN FULL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-08
Company: EQUIFAX, INC.
State: GA
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 31 inquiries on my credit report that was not authorized I have sent in letters to Equifax and they have not even investigated the matter at hand. I even have a fraud alert on my file to be contacted before extending credit and was not contacted about these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: MI
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:
Over a period of time I have been contacting each creditor & bureau regarding inaccurate debts reporting to my credit file I have contacted each creditor & bureau regarding them going against the fair credit reporting act section 609 & 611. To my nature the law states that creditors & bureaus are all supposed to report 100 % accurate information in this case they are not. To be more specific these creditors & bureaus are reporting inaccurate debts which is bringing my credit file down tremendously & when I ask for a written response showing the validation from the creditor to bureau I keep getting prolonged or not getting all the information I asked for or they would report another inaccurate date, balances, open account date & then say its validated. 

Credit bureaus Experian, XXXX, & XXXX have been going against the rules they are supposed to follow & have not been providing me with the proper documentation from each creditors Creditors are updating my file through a computer generated system when I asked for all of the proper documentation showing the accounts they validate I still have not receive the proper documentation & under law of the FCRA each of these accounts reporting on my credit file should be removed. 


I have sent XXXX XXXX & Experian documents properly showing where everything is inaccurate that they are reporting onto my file even though its right there for them to see. These companies know they are wrong & I am demanding a change I am demanding that they remove these accounts by law or they will get sued for that I have been dealing with this problem for a while now & i am no longer accepting this! 


The companies are : XXXX XXXX XX/XX/XXXX {$540.00} XXXX XXXX  XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXXXX/XX/XXXX {$200.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$310.00} XXXX XXXX XX/XX/XXXX {$760.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$500.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Nelnet, Inc.
State: TN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Re : CEASE AND DESIST NOTICE ; ACCOUNT NUMBER : XXXX I am a natural person and federally protected consumer. In pursuant to 15 U.S.Code 1692c ( C ), this is my written notice demanding that you cease and desist all communication through all mediums including ( XXXX, XXXX and XXXX ) regarding this alleged debt. 

Pursuant to 15 U.S.Code 1692e ( XXXX ), the false representation of the character, amount, or legal status of any debt is a violation of federal law. The balance is a positive balance and seems to be owed to me. If the balance was owed in a bank account the balance would be negative. In pursuant to 15 U.S.Code 1692g, I am demanding that you provide me with documentation evidence and provide a contract bearing my signature for this alleged debt. 

Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Tennessee Attorney Generals office. 

Additionally, if Im contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company for violation of the FDCPA. Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you. 

Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regards to current consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Until recently, my home loan has been serviced by XXXX XXXX. A letter apparently bearing a date of XX/XX/2021, and a signature of " XXXX XXXXExecutive Vice President/Head of Mortgage Operations/Loan Care, LLC '' purports to inform me that servicing of the loan will transfer to LoanCare , LLC, and states : 1. " Beginning XX/XX/2021, your home loan will transfer to LoanCare. '' 2. " If you have any questions about this transfer for either XXXX XXXX  or LoanCare, please don't hesitate to contact us. '' and goes on to list a telephone number and partial web site address for LoanCare. 

3. " Should you have questions, please reach out to [ ... ] LoanCare on or after XX/XX/2021. '' On XX/XX/2021, I attempted to contact LoanCare by telephone at the telephone number provided in the XXXX letter of XX/XX/2021, to ask questions about the transfer. LoanCare 's automated telephone system played numerous recorded messages, but offered no way to reach a customer service agent. Moreover, LoanCare 's automated telephone system mentioned a date of XX/XX/2021 on which information about my account would be available by telephone and via online access. This date is different from the date mentioned in the XXXX letter of XX/XX/2021. 

On XX/XX/2021, I attempted to access LoanCare 's web site at the address furnished in the XXXX letter of XX/XX/2021. When I sought to create an account, LoanCare 's web site did not appear to recognize my Social Security number, which is the Social Security number associated with the loan by the previous servicer, XXXX XXXX. However, another part of LoanCare  's web site appeared to recognize the loan number assigned by XXXX XXXX, along with a fragment of my Social Security number, and informed me that information about my loan would be available on XX/XX/2021. This date is different from both the date mentioned by LoanCare 's automated telephone system on which information about my account was to be available, and the date after which the XXXX letter of XX/XX/2021 instructed me that inquiries about the loan should be made to LoanCare and invited such inquires.

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 2023-05-22
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:
So I sent a letter off on XX/XX/23. Here is my tracking numbers XXXX XXXX, XXXX XXXX, Experian XXXX. To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution are suppose to share my information with third party people. 

These are a clear violation of my federally protected consumer 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 non-monetary relief
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: GA
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 made several phone calls to the fraud dept concerning this issue. I have also sent in dispute letters to verify and validate. I haven't received a response from either party.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Receivables Performance Management, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My complaint is about XXXX company sending me a bill stating that I owe them money for their services and that I was under a contract for years to come. But when I first sign up for there services I was told differently. I paid my final bill with them and close out there service. 
Next thing I no I receive in the mail an " RPM '' notice stating that I was in collect. 
I had spoken with someone representing this company and again they suggested that I call " XXXX '' office. The reason why this third party has not been calling me is because I did not give them my telephone number. 

RPM stand for Receivables Performance Management LLC.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

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 2023-05-22
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX OF XXXX My identity was comprised and these were attempts to open fraudulent credit cards under my name. Please view attachment below of report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX Under 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 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 2023-04-14
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted Truist by phone about canceling my PMI insurance in XX/XX/XXXX. I was told that I can not request the cancellation by phone that I can only cancel it in writing. I proceeded to send a letter in XX/XX/XXXX to cancel my PMI as I am beyond the 20 % required equity. I was sent a letter wrongly denying my request. I again sent a second letter on XX/XX/XXXX that Truist received on XX/XX/XXXX. I waited again the required 30 days for a response. I call on XX/XX/XXXX after never getting a response and was told that they did receive the second letter but they have " dropped the ball '' as I was told. I asked to speak to someone in the PMI department and was told that they do not take phone calls at all. I then asked to speak to a supervisor and was told that I could not do that either. I then asked how to submit for the audio of our recorded conversation and was told that I can not get that once again. They told me to subpoena them. How do I go about getting this handled if I can not contact anyone at Truist and they will not let me talk with anyone who can help? Do I really need to get a lawyer to do a simple PMI cancellation??? 

This is truly unethical and mischievous business practices. Of the tens of thousands of mortgages how many people do they do this too? I bet they make millions off screwing people around like 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 2022-03-01
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Comenity bank has harassased me with multiple calls of a debt that is not mine. I was a victim of identity fraud and Im guessing this account was apart of my identity stolen. I saw this debt on my credit report and reported it as debt not mine. 

After months of calls from come its bank I answered on XX/XX/XXXX. The collection officer did not identify who she was. I told her I have no recollection of this debt, and that I would like for her to only community with me through mail services from now on. She continued to harass me and question why I didnt report it as fraud when I did in fact tell them it was fraud. She threaten that I will be taken to court, etc and was very rude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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/18, 2 unrecognized and unauthorized charges were pending on my account from XXXX and XXXX 's in XXXX. I called Bank of America immediately on XXXX and was told nothing could be done until the charges posted. I canceled my debit card, because the number had been stolen. I called XXXX and they were able to identify that an individual that was not me had made the charge, but said I needed to go through the bank to get my money back. Once the charges posted on XX/XX/18, I made the fraudulent charge claim through Bank of America which was given claim number XXXX. The bank credited the charges back to my account, which amounted to {$370.00}. They then claimed to research the claim and decided on XX/XX/18 that the charges were authorized and that they would take the {$370.00} from my account on XX/XX/18. I spoke to a representative in the fraud department on XXXX and asked her to provide me with all of the research documentation. I have received nothing and was basically told there were no notes on the account. I asked for the claim to be reopened and researched more thoroughly in writing on XX/XX/18 via fax at the direction of the representative. At this time, I have had no response to my request. The charges were unauthorized but seem to have not been researched at all and no proof of any research has been provided to me by Bank of America.

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 2021-02-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have disputed inaccurate items from my credit report and the credit bureaus haven't answered me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
There is a huge variation in the credit scores of the three companies ( XXXX, XXXX   and Transunion ) XXXX and XXXX have a 1 point variation in my scores between the two of them and Transunion has a 50 point variation between the lowest of the two scores. I do not believe that they have correct information for my reports and they should investigate and advise why there is such a huge variance between them and the other two reporting agencies.

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 2022-01-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/21 around XXXX, I received a fraud alert text form a number posing to be Wells Fargo XXXX when I responded no ( as in No the transaction being put on fraud alert is not me ) I received a call from XXXX, with a person claiming to be a Wells Fargo fraud center rep, who advised me I had multiple fraudulent XXXX transactions being pulled from my account. They then proceeded to explain I needed to go into my mobile banking and sign on to XXXX, create myself as a recipient and give them the code, so they can receive the money being pulled out and send it back to me. I asked why they could not just stop the transaction, and was advised because XXXX is a third party app, they were not able to do so. Therefore I proceeded to comply thinking I would just stop the money from being fraudulently taken from my account. Once the transaction was completed, they hung up on me. It was not until after, that I realized they swapped one number out from Wells Fargos XXXX number ( XXXX ). I immediately called my bank an filed a fraud claim and asked if they could stop the transaction and refund my money. After multiple phone calls to check on on my claim status, Wells Fargo advised me they Do not guarantee goods and services through the XXXX app, and denied returning my money. I have now lost {$3000.00}, that I will never see because I trusted my financial institution. I believe this is a violation of the electronic funds transfer act/regulation e, and am trying to find a channel where I am pursue resolve. I hope the cfpb can help me. 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 non-monetary relief
Consumer complaint received 2018-12-08
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi i was suppose to receive a XXXX $ bonus for setting up direct deposit and doing at least 3 consecutive monthly direct deposits of {$500.00} or more within 150 days of account opening, it was suppose to come within 45 day but I still haven't received it can you help me with this please? Thanks. 

It was an online offer here is the link - XXXX XXXX XXXXXXXX These were the terms Here 's how to qualify for your {$200.00} bonus : 1. Open an Everyday Checking account online ( from this webpage only ) by XX/XX/2018. 

2. Make a minimum opening deposit of {$25.00} to fund your account.

3. Set up Direct Deposit and receive at least 3 consecutive monthly direct deposits of {$500.00} into your new account within 150 days. 

We will deposit the {$200.00} checking bonus into your new consumer checking account within 45 days after eligibility and qualifications have been met.

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