BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX of 2022 I got a check from a gentleman and before I deposited it I noticed it didnt have a spot to sign and I thought that was weird. I called Wells Fargo and asked them what I should do. On the phone they said that I should deposit it and worst case it bounces. I said I didnt want to hurt my account and asked if they were sure 2 times and they said yes. I even went as far as trying to send a picture to a banker or asked if I should into a store but they assured me that wasnt needed. I ended the call and deposited the check. Within 30 minutes Wells Fargo called me back and said they were closing my checking and savings accounts. I told them that they gave me the instructions to deposit it and it wasnt right of them to close it. I explained my story and they said they would file a claim. The person on the phone took my side of the story and put me on a brief hold. They very quickly came back to the call and said my claim was denied. Not even 3 months later all my credit card accounts are closed suddenly with no warning and when I try to reach out and find out why they say the person handling my case is unavailable and I can leave a message. I was with Wells Fargo for 20+ years and was thrown down the gutter within months

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 2022-01-18
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX, three debit visa gift cards were purchased a local supermarket on a credit card amounting to {$700.00}. The website provided on their cards does not work to register them. On XX/XX/XXXX one of the cards were used and the merchant declined it. I called the bank on the back of the card and was told there was fraud on the card and I provided my contact information and was told a replacement would be received in 7-10 business days. I never received the card. I went back to the supermarket and the manager gave me another number to call to their corporate department and they took down the information and gave me another number to call. I proceeded to call them and they indicated the first card should work and the other two cards had fraud on them and they want to replace them. I told the bank that I wanted my money back as I don't want to run into the same situation again with the cards not working and not being able to register them online to check balances. They have refused.

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 2022-09-20
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I did not receive any notices of this of this collection account and neither do I know what it primarily from. I had no knowledge of the amount of {$1200.00} ( in which this company is adding late fees to this closed collection account on several occasions within a month ). Upon researching, this company states that it is also collecting on the Behalf of XXXX XXXX XXXX XXXX ( This company can not be found to do business in the state of Mississippi. 

This judgement was placed on my Credit in 2021 damaging my credit score of tremendously decreasing it. I have tried to dispute this several times off of my Credit report, but the response constantly states that this belongs to me. They aren't advising how they have confirmed or to whom they have spoken with to acknowledge that this is my debt. However, I have recently researched that neither Wakefield & Associates LLC nor XXXX XXXX XXXX, XXXX are not licensed in the State of Mississippi.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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 made several attempts to solve this matter with the company and the credit bureau Experian with no success. I have filed a police report for fraudulent account and the company still continues to report this account on my report incorrectly. I have been disputing this for years.

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: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed these accounts for several months and I have not gotten any responce...

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: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Medical Data Systems, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The debt collector has 2 of the same accounts same XXXX one day apart. I only owe one. They have harassed me in the past saying because I couldn't pay that day they would put I refused to pay. Which is a lie. I filed for disability it's still pending. I have no way to pay at this time. I agree one I'll pay when I can but not 2.at one point it said it was closed. Please have them remove one. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Social Finance, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I opened a personal loan with SoFi on XX/XX/XXXX and had it funded on XX/XX/XXXX. I opened the loan after receiving an offer from SoFi for a {$350.00} bonus for opening a personal loan. I contacted SoFi on XX/XX/XXXX to inquire about the bonus and they stated that they can not issue the bonus due to the loan being paid off early. After reviewing the terms and conditions of the promotion, there is nothing that discusses being ineligible for the bonus for paying off the loan early. I would not have paid off the loan early had I known SoFi wouldn't pay the bonus, nor would I have opened the loan without the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-19
Company: Guild Mortgage Company LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I inquired with interest in their services. Someone reached out. I uploaded personal documents to an application 12 days ago. I haven't heard from them or received a loan estimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account & Wrong Information Reporting I have continually and ongoing have told Experian that this account is account does not belong on my report. I have asked the company to verify and yet again they are reporting the wrong information. How did you verify? but didn't notice that this company has the wrong address, wrong name on the loan and a few other discrepancies. There are names and addresses on the documentation they have provided that I do not recognize and have never been associated with, I and demanding you reinvestigate this account and update my credit report with this account removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I do not know these inquiries in my profile. I have never gave anybody permission for these inquires and I have never authorized something like this. I do not know the origins of them but this is error in my credit report. I am a victim of identity theft so please I ask you to delete them from my profile asap.

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 2022-09-20
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was sent an email about paying the closing fee on my home and it was fraudulent info given to me. I wired the money to the fraudulent account unknowingly. I contacted the bank and they would not stop or refund my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX {$4900.00} original Balance XXXXXXXX XXXX XXXX {$2200.00} original BalanceXXXX XXXX XXXX XXXX {$1100.00} original Balance- XXXX XXXX XXXX 
XXXX {$16000.00} original Balance- XXXX XXXX XXXX {$1200.00} original Balance- XXXX XXXX XXXX {$1600.00} original Balance- XXXX XXXX XXXX {$1000.00} original balance- XXXX XXXX XXXX {$650.00} original balance- XXXX XXXX  ( XXXX  ) Original debtor XXXX {$1400.00} original balance- XXXX XXXX {$610.00} original balance- XXXX XXXX XXXX ( XXXX XXXX XXXX I have contacted all of these company 's to recant my cosumer rights . They have failed to reflect them on my profile.I 've stated that my accounts should have been frozen. I have also stated that my reports are innaccurate. Their not reflecting true on my account. 


under the FCRA section 611 ( 5 ) ( A ) -you are required to promptly delete all information that is inaccurate, incomplete, or which can not be verified. 


FCRA 15 U.S.C 1681i, -Ever single one each any or all the unproven, none compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory, accounts must be promptly negated in its entirety or the alleged accounts are to be completed deleted. 


The following deterogatory accounts allegations are either untrue, unverfied, incorrect, incomplete, untimely, Not mine, NOT MY RESPONSIBILITY..

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 2018-01-09
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
I have tried to contact the company ( Nordstrom ) in regards to a wrong reporting of 2 payments. It was on automatic payments and they failed to accept the payment on time. Back in XXXX and XXXX XXXX they reported on my credit report that they were late yet have not been able to provide evidence to validate i the consumer is at fault. I have requested for them to removed these false accusations and have not been taken into consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I filed arbitration against XXXX and TransUnion, and they refused to go to arbitration. I got a notice from the XXXX that they are being kicked out of arbitration due to a pattern of failures to comply with XXXX policies regarding consumer claims, including not paying arbitration fees. Per the attached correspondence I received from XXXX, XXXX is banning them from arbitration entirely. This is violating my arbitration agreement as well as the Colorado Revised Statutes 5-18-116. The XXXX. specifically provides that XXXX be the forum for arbitration in consumer reporting/ CRA matters. The law does not give me a backup forum to use nor have I heard from XXXX and TransUnion 's legal departments to know if they received my demands. XXXX and TransUnion are willfully ignoring my rights, breaching their contract, and obstructing my ability to enforce my rights under the legislation that governs them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: Ocwen Financial Corporation
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX checked credit reports. It was shown that my former lender erroneously/falsely reported to the bureaus a late payment on XX/XX/XXXX. I emailed them and shared the reports and they have indicated they have relayed this to the credit division. Im going through a heloc process and this is impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Activehours
State: UT
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
They refuse to adjust payment schedules. I've had support lie to me everytime I tried to get it fixed. They will then not cover the overdraft fees They cause. Never once have I received accurate information. They also claim they can assist with adjusting dates but never will.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-20
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:
In pursuant to 15 USC 1681 ( b ) and ( c ) Law, I DO NOT WANT ANY ACCOUNTS, ADDRESSES, OR INQUIRIES, IN DISPUTE AT ALL. See Police Report, for all accounts, addresses, and inquiries, below, need to be BLOCKED AND DELETED IMMEDIATELY, Effective this Tuesday, the XXXX of XX/XX/XXXX, at XXXX XXXX XXXX, noon, as a result of being a victim of Identity Theft, losing my Birth Certificate, Social Security Card, and Drivers license, in the XXXX, of XXXX XXXX XXXX XXXX, XX/XX/XXXX. Peace and blessing! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-23
Company: OPTUM BANK, INC.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened an HSA account with XXXX XXXXXXXX XXXX in XXXX. In XXXX, XXXX XXXXXXXX XXXX sold its XXXX accounts or business to Optum Bank. As part of this transfer, Optum Bank provided the existing XXXX XXXX Bank HSA accountholders with its assurance that the transfer of accounts will be seamless, which included an assurance that the current XXXX XXXXXXXX XXXX fee structure would continue to be applicable to our accounts. This fee structure provided a fee waiver in the event your HSA account ( cash and investments ) exceeded {$5000.00}. I have attached a pdf of the Frequently Asked Questions flyer prepared by Optum Bank evidencing this representation. 

Optum Bank honored its commitment until XX/XX/XXXX. My HSA account had a balance greater than {$10000.00}. In this month, Optum Bank charged my account a {$2.00} monthly maintenance fee and a {$3.00} investment fee. I contacted Optum Bank to contest the fees assessed with a reference to the prior representations made my Optum Bank. My request was denied. 

In order to prevent the continued erosion of my HSA account through this aggressive fee schedule, I closed my account ( allowing Optum Bank to charge me a {$20.00} transfer fee ) and transferred my account to XXXX. 

I have been diligent about monitoring my HSA account for fees that included at least one prior instance that a fee was assessed and subsequently reversed. I believe Optum Bank should be held accountable to honor its representations to the former XXXX XXXX HSA accountholders and they should be required to investigate and make public its findings as to any fees erroneously assessed on the former XXXX XXXX HSA accountholders and to make to pay any appropriate refunds and penalties that are deemed warranted.

Company response to consumer: Closed with monetary relief