BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit 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:
I had a flight from XXXX and XXXX during XXXX XXXX XXXX It was booked using my spouse 's credit card ( Wells Fargo XXXX ) during XX/XX/XXXX. It was booked on XXXX XXXX already took the entire money and charged for baggage. Due to XXXX XXXX, one of the leg of flight was changed to XXXX. Our baggage were checked-in for the entire journey but still XXXX charged us for the bags in XXXX. It was me and my kids flying. We were charged more than {$800.00} for this on XXXX XX/XX/XXXX in XXXX. Made several complaints to XXXX and XXXX for the refund. Once the originating airlines charge for the baggage - in between airlines never charge for it. 
Later I opened a dispute with Wells Fargo bank and uploaded all the documents - explanation and all the documents. Still Wells Fargo is doing back and forth emails and calls and haven't initiated the dispute with XXXX or XXXX XXXX. 

wells Fargo is just too big and unorganized and inefficient. Left hand doesn't know what right hand is doing. Very poor hiring standards. 

Today I talked to Wells Fargo supervisor XXXX employee id # XXXX about the same. 

Dispute IDs : XXXX and 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 2019-11-24
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I paid the loan amount before the end of the lease but WellsFargo is starting I owed $ 6,000+. The full loan amount was paid along with any late fees per the loan agreement. It should be paid in full and a XXXX balance. The loan did not expire with me owing any money. I want to be in good standing and a XXXX balance or remove WellsFargo from 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 explanation
Consumer complaint received 2019-09-18
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Incorrect count for qualifying payments for XXXX. My account reached an arbitrary amount of interest accumulated that caused XXXX to divide my loan into separate loans and their system reset my payment count to XXXX. I put a request in over a year ago for an accurate count and it still shows XXXX qualifying payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My checking account and line of credit was hacked and approximately {$80000.00} was taken and spent in a foreign country. Wells Fargo failed to monitor my account and I did not learn of it until my next bank statement arrived over ten days later. I immediately contacted Wells Fargo and they said they would look into it. A check for approximately 10 % of the amount taken was sent to me and Wells Fargo declared the complaint was settled. When I disputed this resolution they then said they were reopening the matter. Since then I have heard nothing from the bank. I have heard nothing from them about their " continuing '' research and do not know anything more that stated in my initial complaint other than that it is still being studied.

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 2022-06-16
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called in XX/XX/XXXX and wrote a letter in XX/XX/XXXX asking NewRez to stop charging XXXX XXXX since LTV is approximately 65 %. They continue to use a home value less than half ( $ XXXX versus $ XXXX ) of current value, and even less than initial value of $ XXXX when purchased in XXXX. They should refund all insurance money since LTV was under 80 % several years ago, and not ask me to provide them a new appraisal which cost a lot of money. 

Called again in XX/XX/XXXX, and they won't fix it!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XX/XX/XXXX I moved to an area XXXX does not cover. I sent them several proofs of change of address and my new DL from SD where they do not have coverage. They canceled the contract, and I had a letter stating so. I do not owe XXXX any money at all, they agreed in XX/XX/XXXX to that fact Now a new company has reported collections that do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act these accounts have violated my rights : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 1681 Section 604A 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 non-monetary relief
Consumer complaint received 2015-12-03
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
law firm bought all of my outstanding credit from credit company and press charges in high courts damaging all of credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 the XXXX  of this month. XX/XX/2023 I was transferring my social security check from my major checking account to another. It was XXXX dollars. While making the transaction my money was taken from me and sent to a balance assist account at bofa which was closed. I've been waiting to be reimbursed for the money they took out my account. I owed them XXXX they took all of my money and are not sending me the balance of what they took

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXXXXXX XXXX XXXX AZ Account/Reference # 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 non-monetary relief
Consumer complaint received 2022-06-16
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
Yesterday, XX/XX/XXXX, I applied for financing a vehicle and today my credit report is showing 3 new hard inquiries from yesterday : One from XXXX XXXX auto finance and 2 from CREDCO. Clearly the car agency run my credit twice in a row with Credco by mistake and now it's showing one extra hard inquiry on 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 explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: NY
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:
Dear CFPB Agent, I've been noticing changes in my credit report that are not accurate. there is a company in particular that reported in XXXX different occasions and I don't recognize or authorized. 
XXXX XXXX XXXX XXXX has posted XXXX inquiries the first on XX/XX/XXXX, second on XX/XX/XXXX and the third on XX/XX/XXXX. please help resolve this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions 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:
reviewing my Experian credit report I see that my credit score had dropped and that is when I noticed that 2 XXXX credit card accounts with a debit balance have been added to my report that do not belong to me and in which incorrect names appear addresses that I do not recognize and in which I have never lived, as well as two telephone numbers that I do not recognize either, I think I am a victim of identity theft or a victim of erroneous information from Experian in your credit report, this information is affecting me since it It hurts to apply for my mortgage loan, I have been a very responsible person and I pay all my bills up to date and this is shown by the other companies XXXX and XXXX and that is why I request that these erroneous accounts that appear in EXPERIAN be removed from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i. This information shown below is the erroneous information shown on Experian. I request that this information be removed from my credit report : account info Account name XXXXXXXX XXXX account number XXXX ( I request to be removed from my Experian credit report ) Balance {$10000.00} ( I request to be removed from my Experian credit report ) Account name XXXX XXXX account number XXXX XXXX I request to be removed from my Experian credit report ) Balance {$9200.00} ( I request to be removed from my Experian credit report ) phones that do not belong to me ( XXXX ) XXXX ( I request to be removed from my Experian credit report ) XXXX XXXX ) XXXX ( I request to be removed from my Experian credit report ) addresses I don't recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( I request that all these addresses be removed from my Experian 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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
My identity was stolen, but the credit bureau refuses to remove this false information, stating, " We asked for the company to verify your information and it has been confirmed as correct. '' It's suppose to be correct. Thats what happens when you get your identity theft stolen. Thieves use a persons correct information to open fraudulent accounts. I've filed a police report with the XXXX XXXX Sheriffs office ( Incident Report # XXXX ) for identity theft. I mailed the credit bureau a packet which included the Police Report, Numerous notifications from different sources of my identity being stolen, and a list of false information that I want removed due to my identity being stolen. They wont remove the disputed account, but they acknowledge that my identity has been stolen by putting an identity theft alert on my file. I have followed all steps to get the credit bureau to remove these fraudulent account, but evidently they're slow and don't know that when a persons identity is stolen ; thieves steal a person 's identity and use it to open up accounts in that persons name, thus the information will be correct when you verify it with the company. 
The following line Items were part of my request to remove from my credit report due to identity theft : 1. XXXX XXXX 2. 8 different 30 days late on Dept of EDXXXX files The following hard inquires are false : 1. XXXX 2. XXXX XXXX. XXXX XXXX XXXX XXXX 4. XXXX via XXXX 5.XXXX XXXX XXXX 6 XXXX XXXX XXXX XXXX  7. XXXX XXXX XXXX XXXX 
8. XXXX XXXX XXXX  9. XXXX XXXX XXXX Can I get some assistance in this matter

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 2017-03-16
Company: Torres Credit Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
For a few years my identity was stolen. I discovered this because the franchise tax board notified me that my SSN was being used. I discovered that accounts were opened in my name taxes were filed. The account was opened at a residence that I have never lived. 
I filed an ID Theft Report copies were sent to XXXX credit bureaus on XXXX 2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-06-16
Company: EQUIFAX, 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 # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Chime Financial Inc
State: TX
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:
My wallet was stolen and someone used my debit card to pay a home loan for a amount of {$1600.00} the merchant name was XXXX* XXXX pa I called the home loan customer service reps and asked if I could get a stop payment since the payment was still pending and they said it was nothing that they could do. Then I called Chime and they told me that I had to wait until the payment posted in order to dispute charges. I waited until the payment was posted called chime and disputed charged on XX/XX/2022 @ XXXX XXXX  and got denied around XXXX XXXX  on the same day. I called back and asked why I was denied because all the investigators had to do was call the merchant in order to confirm I never had an account with this merchant. Investigation was improper.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Experian Information Solutions Inc.
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am currently residing in XXXX and would like to get my annual ffree credit report. But the website is not available from myLocation. I called the number given XXXX, butThere is no assistance to talk. The access to website mustNot be restricted from the location where I live. Let me knowthe best way to get my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Wells Fargo depleted my account and put me into overdraft and then XXXX  hit and I had no way to get my account back. I fought them because a hotel overcharged me and lied about having a jacuzzi. 
The XXXX is still advertising there is a jacuzzi there is not. Wells Fargo didn't investigate my complaint. They went with the merchant. So now I can't open a bank account anywhere and they call my phone daily.

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 2015-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
IT IS DIFFICULT TO VIEW THE REPORTS TWICE. I AM TRYING TO LOG BACK INTO TRANSUNION AND CAN NOT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: NC
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 been disputing XXXX  with equifax for a year now. They keep coming back the same day with a response. which let 's me know they have not done an investigation as they reported. The response says all inquiries are accurate and that they reached out to XXXX. They did not XXXX  has told me numerous times that they have no account or application from me to have an inquiry. after I disputed XXXX XXXX  they even sent a letter and now equifax still doesn't have it. 30 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX Account XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 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 non-monetary relief
Consumer complaint received 2023-08-23
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My student loan was discharged in full on XX/XX/2023 by the Department of Education and I received a letter to that effect, but my servicer Mohela has refused to discharged my loan or refund the total amount I paid to all servicers of my student loans from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items which XXXX, TransUnion and XXXX didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 16810 ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my 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