BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It has come to my attention that I never gave consent to XXXX or Transunion permission to furnish the following information : XXXX XXXX XXXX  Account # : XXXX. This information was put on my credit report illegally. To have permissible purpose one would have to have permission and proof of said permission to furnish this information on my credit report. According to 15 USC 1681b, the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. I can tell you that in fact I never authorized this and continue to not authorize this account on my credit report. These companies were notified of this violation and must take steps to correct it. XXXX already deleted this unlawful account. 

The following Account does not belong to me and should be removed from my credit report immediately : XXXX XXXX XXXX Account # : 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 2019-08-29
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Wells Fargo has committed fraud again against the XXXX XXXX communities. I called Wells Fargo to close my account and to send me a confirmation regarding that closure. However, I spoke to numerous management and employees with no recourse. 

The Executive Team at Wells Fargo do not want to close my account, but to collect the interest by keeping it open. I requested a copy of the Deposit and Closure policy, which they failed to provide to me and have been given the run-around. I would like the following Executive management and employees to be investigated for fraud and failing to close accounts in a timely manner. There names are the following : 1. XXXX XXXX, Wells Fargo Executive Office 2. XXXX XXXX, Wells Fargo Executive Office 3. XXXX, Wells Fargo Executive Office 4. XXXX XXXX, Wells Fargo Executive Office 5. XXXX XXXX, Escalated Service Banker 6. Mr. XXXX, Wells Fargo Executive Office They are committing fraud and numerous violations by not providing confirmations for closed accounts, but keeping the accounts open for their personal and financial gain. I have spoken to more than 15 employees at Wells Fargo to get a copy of the closed checking account.

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 2018-04-14
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date of service XXXX15, amount {$1900.00}, original creditor XXXX XXXX XXXX. I was not in town during the date of services rendered, have proof of this.

Have called multiple times to clear as this is not me, date of birth does not match, home address incorrect on hospital files. have disputed this at least 4 times with credit agencies. Each time I am assured that this will be resolved and hasnt been. Placed a hold on credit to help in future and fear identity thief.

In the process of closing on home and this will affect it. have explained this to both creditor and hospital. appears that insurance is associating with me on their files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: LEXISNEXIS
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter to LexisNexis disputing the accuracy of the reporting of a public record. Instead of responding with a result of their investigation, they simply sent a letter talking about an investigation with XXXX, XXXX and XXXX. They are ignoring my demand for an investigation of the facts and reporting of this public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: WELLS FARGO & COMPANY
State: PR
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:
Contacted Wells Fargo on Saturday XXXX after receiving2 text message and a call to verify the transactions. I did not see the call nor the message. After an hour later, the I noticed they are trying to verify the transactions. At. this point. they have not received any confirmation from me and they kept approving all the transactions. Leaving my  account balance in XXXX. I place the dispute with them that same day. I called again on Monday they told me that the department that handles my claim was closed. Called again on Tuesday and they told me the funds will be available two days later. I did not see funds on Thursday  XXXX, so I call them again. They told me that. they need to investigate and It will take about 10 business days to see my money. I think this is  very. unfair I have being with out money since the XXXX of XXXX. They make a huge mistake approving transactions without confirming identify. They. are also returning my schedule payments and charging me {$35.00} for every overdraft.

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 2020-01-31
Company: Credit Karma, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I filed my federal and state taxes through efile on the credit karma app on XXXX XXXX. They said the submitted them. However both agencies, ( irs, ftb ) claim they did not submit them because if they had, I would be able to see status after 24 hours. They still have not submitted them and will not talk to me. I might have just given my info to criminals.This is an urgent matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Northeast Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The Northeast Recovery company has been calling for the last year for someone with a similar name but is not me. They called XX/XX/XXXX twice and left a message was left from a XXXX XXXX and he said that they were from XXXX XXXX and that someone called and field a complaint against me, they also said the banking info they have is incorrect I don't even know what this company is. They called again yesterday XX/XX/XXXX and left a threatening message and I called the phone company and was told to reach out to wind-stream to FCC and then the FCC told me to contact the federal trade commission who then told me to reach out to you and file a complaint. The phone company told me that they have received several complaints for this same company and that it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: EQUIFAX, INC.
State: AZ
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 is inaccurately reporting on 2 accounts on my credit reports for equifax, XXXX  and XXXX. I have contacted the company repeatedly with inaccurate information and closing of one account on my credit reports and it has not been resolved. The payment history is inaccurate and showing late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My father passed at the end of XX/XX/2019. I called Navient to find out what the process was to have him removed as cosigner on two student loans he was a cosigner on. They stated once I receive the death certificate and letters of administration, that I would need to upload the documents to them for them to remove him. Once I received all the documentation, I uploaded them to Navient on XX/XX/2019. I called on XX/XX/2019 to confirm the documentation was received and was being forwarded onto the department that will handle it. I called again on XX/XX/XXXX to check on the status of the account. I was told the paperwork was at the claims department but had not yet been processed. I called again on XX/XX/XXXX to check on the status of the account, again was told the paperwork had been received but had not yet been processed and the paperwork needs to be forwarded on, which one ever did. She said it would be done so and she was putting a high priority on it as I had started getting called about collection on his account though the notated the system of his death. She told me to call back on XX/XX/XXXX. Meanwhile Navient locked his account out on XX/XX/XXXX. I called XX/XX/XXXX and a Ms. XXXX said there was still no update and transferred me to a supervisor named XXXX. XXXX said I need to wait until the end of the next billing cycle that ends on XX/XX/XXXX. XXXX said he would call me back on XX/XX/XXXX, I never received a phone call. On XX/XX/XXXX I received a phone call from Navient telling me to call back. I call the number back that was given and was subsequently transferred two times until they could get me to the proper department. I spoke with someone with employee ID XXXX and she told me the people I had been talking to after calling Navients phone number was a 3rd party doing business on their behalf by the name of XXXX. She told me the account has been marked as deceased, but that the collection agency would continue to call me because one of the bowers accounts hasnt been paid in a few months. I told her he was dead and that they wouldnt be getting any money from my father. I also asked what it would take for them to process and remove him from the loans and to end the phone calls to me. She wouldnt answer my questions. I told her I'm filing two complaints, this one and one with Federal Student Aid. I also told her to never call my number  again. Will be speaking with my attorney as well. This constant bantering and dealing with this inept company is taking a mental and emotion toll that is unwarranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I received a credit monitor alert for things I have no knowledge or applied for. I do not recognize the inquires that are reporting to XXXX XXXX and Experian. I contacted all agencies about the fraudulent inquiries being reported to my credit report. There was inquiry done by XXXX XXXX on XX/XX/XXXX and by Credit Info on XX/XX/XXXX and I reported both inquiries to XXXX XXXX and Experian it but it was never removed after both written complaints. I added the fraud alert again for these inquires in XXXX of XXXX with FTC. Experian and XXXX is still continuing to report these inquiries on my credit report. The inquiries are incorrect and are not mine and are continuing to report on my credit report. I want XXXX XXXX and Experian to remove the fraudulent inquiries from 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 2019-05-28
Company: Perfection Collection
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Perfection collection is fraudauntly claiming that I owe {$3700.00} to some company called XXXX. I do not know who either of these companies are and did not sign or agree to anything they are. This must be identity theft and they have illegally placed this debt on my XXXX credit report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
1 head u been calling and sending mail to capital one they repeatedly ignore me even under the FTC the 609 disputed letter I sent 2 times and other mail 3 times and capital one refuse to talk with me and and provided me with any proff of my signed contract or any other documents they are breaking the law under the 609 law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: Accurate Background
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This past week, Accurate Background of XXXX, CA incorrectly reported a sex offender charge on my background check results to a prospective employer. Job offer letter accepted and signed last week with this employer ; we were awaiting results of background check. 

This inaccuracy has ( and still is ) resulting in loss of pay while I dispute these results with Accurate Background. To date, I have not received the background check results. Prospective employer only contacted me via phone to inform me that this charge means I can not work for company until resolved. 

I have a video recording of my completion and submittal of the initial background check form that I had to complete. Form never asked for items such as previous residences or if any former names had been used in the past.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
on XX/XX/XXXX i paid cash {$740.00} to send this hard earned money to XXXX. the receiver told me she did not got the money. her id card was stolen. so she went to get the money and was denied. i tried to resolve the issue with money gram but they waste time. 

i was in XXXX XXXX for last 5 years fighting my XXXX XXXX and i was out of touch and dont have access to internet. it was sent to XXXX XXXX XXXX. my name is XXXX XXXX, ss # XXXX and dob is XX/XX/XXXX following is my current mailing address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX cell : ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit XXXX card from usbank on XXXX XXXX. I do not have an account with them or have recently opened one. I was informed from my employer that someone filed Unemployment in my name and I have gotten all of the forms in the mail from them ... PIN number, password, amount of weekly amount. I have filed with unemployment about the fraudulent claim but Im still worried there are other issues going on with my information. The address on all of my letters had the wrong house number too ... XXXX instead of XXXX. Thank you ... 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 2018-04-14
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Have attempted to contact XXXX XXXX XXXX to offer {$25.00} a month payment because I am retired and that is all I am able to pay. The company hung up the phone and would not discuss.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Tried to open an additional savings account with Merrill Edge and they declined me, would not specify why, even thou I was an existing customer. I therefore started to remove my assets and they closed the account halfway thru the transfer and wont release my funds

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 2020-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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:
My XXXX  account is now showing open accounts from a Bank of America as of XX/XX/2020. The number on my credit file shows XXXX. I called but was soon disconnected. I did a search on this phone number and it is listing as possible fraud. I have started disputes on the Bank of America credit card accounts that are showing opened and fees due and not paid to date. I did freeze my credit with all 3 credit bureaus back in XXXX of this year. I also tried to contact a correct number for fraud with Bank of America, but since I don't have an account with them, I was unable to reach a 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 non-monetary relief
Consumer complaint received 2021-02-10
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
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:
On XX/XX/21 my credit was ran by AmeriSave Mortgage Corporation without my consent I received a letter in the mail stating my 3 credit scores and stating I am trying to apply for a home loan. 
I am not trying to apply for home loan or refinance.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: INVESTORS BANK
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, I am applied for refinance back in XX/XX/XXXX and it took them til XX/XX/XXXX to process my loan refinance application. During the last stage they failed to notice I am in forbearance since XX/XX/XXXX and I paid that amount back to the original lender. I provided the Investors bank many copies of paid off letter and they canceled my loan application because they are stating I failed to provide documents. They have never requested these document prior to loan processing and it was always reported that I was in forbearance in the credit report. They have failed to recognize that In the report. I have spend so much time and money on the refinance. They are refusing to process the application because the rates went up and they will lose money because I was locked in at lowest rate back in XXXX. 

Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a total of 7 checks spent with XXXX XXXX XXXX XXXX in XXXX XXXX Michigan that were returned for insufficient funds. I paid all of this off in full as part of the XXXX XXXX prosecutors bad check diversion program. The checks were issued in XXXX. The payment in full was in XX/XX/XXXX. However, these still show as unpaid on the Transunion credit report and are a delinquent mark that continues to limit my credit score. I have tried to correct this with them but they are unresponsive. I would greatly appreciate it if this was corrected to reflect the actual status.

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 2021-04-07
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have made deposits to my checking and savings accounts on 2 different occasions..the ATM accepted my funds but the amount into my account was short by {$1800.00} each time fir a total of {$3600.00}. The NFCU gave provisional credit and then took it back. This has been going on since XXXX fir one transaction & XXXX for the other. I have my ATM receipts & have called gone to the bank and submitted disputes and Navy Federal Credit Union has not resolved my issues. I am still {$3600.00} short in total for the 2 deposits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi and how are you doing? How's COvid-19 treating you - safe? I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumerto dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe.

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