BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-10
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Wells Fargo has allowed 4 accounts ( checking and or savings ) to be opened this year under my name. Two in XXXX and another two around XXXX. After receiving mail ( correspondence or statements ) from them I contact Wells Fargo to close the accounts. They stated the accounts were closed and sent me letters to confirm closure. 
I received mail in XXXX regarding an account that Wells Fargo stated was closed in XXXX. Since I did not open these accounts I only have the last 4 digits of the account and Wells Fargo is generally unhelpful when I call and stated they will not provide me the full account numbers or a fraud protection solution since I am not a customer. 
I have never had a Wells Fargo account. I do not want them to have my information on file as this repeated situation is a serious concern to me for many reasons. 
I have reviewed all credit reporting agencies and this is a Wells Fargo breach issue as there have been no other discrepancies in my report regarding fraudulent accounts. Wells Fargo at the very least should provide XXXX or similar service to me as a result of their careless verification practices.

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 2019-03-02
Company: TCF FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Thursday XX/XX/2019 I went to a branch of Chemical Bank to pay off the existing balance of my home mortgage. Instead of charging me the existing balance, they added a {$30.00} " registration fee '' that was no where described in their truth in lending disclosure or complete terms of the mortgage. This is clearly just an arbitrary fee Chemical Bank has added to the process of closing out a mortgage with no basis other than an opportunistic way to add profit to themselves.

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 2022-04-03
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was looking to rent an apartment, and I saw that a person published a lot about it and I never saw a comment that said scammer or something, there came a time when I could never find a place or I was never approved of being able to rent it that I decided to take a risk and trust that person on the internet. He asked me to deposit a certain amount ( XXXX $ ) to set aside the apartment because there were many other people wanting to set it aside anyway, I sent him the money and then when he arrived at the agreed time, we called him and he never responded, he blocked us from XXXX and the owner of the building told us that it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This is regards to XXXX XXXX account # XXXX on my credit file on XXXX and Equifax reports. XXXX XXXX was charged off back on XX/XX/2016 and according to the statute of limitations in the State of Florida, which is only 5 years this account has expired and must be deleted immediately from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: U.S. BANCORP
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: Old information reappears or never goes away

Complaint:
I've already told you, discrimination, at its worst,. I go in the bank withal these papers, jump thru all these hoops, over, and over again. Only to get turned down. If u do nothing, then I will just have to do it myself.

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 2022-04-03
Company: EQUIFAX, INC.
State: FL
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, DEPT OF ED XXXX account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. XXXX  account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX  account number # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX BANK # XXXX, XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # 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 that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I request these fraudulent inquiries be deleted/removed from my Transunion credit report immediately. 

XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX There are fraudulent inquiries that I did not authorize appearing on my Transunion credit report that I request be removed immediately. I filed a police report, and provided the police report and identity information to Transunion. Please delete these inquiries. I NEVER GAVE THESE COMPANIES MY INFORMATION OR AUTHORIZATION TO RUN MY CREDIT! IT IS FRAUD!!! A police report was filed. I mailed in a copy of the police report and proof of identity including a copy of a government issued ID and Social Security Card and proof of residency including a utility bill. According to the Fair Credit Reporting Act these inquiries are to be deleted immediately. 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 2018-01-06
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On Friday, XXXX XXXX a received a call from someone from " XXXX XXXX XXXX ''. they said that i had a claim number and a subpoena ready to be delivered to my doorstep if I didnt make a payment in regards to a a payday loan i took out from Ace Cash in XXXX XXXX TX in XXXX. 

They forced me to provide debit card information as they told me if i didnt make XXXX dollar payment i would be sued and possibly jailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: EQUIFAX, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX account # 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 that 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 explanation
Consumer complaint received 2019-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Information belongs to someone else

Complaint:
reported inaccurate information about me which cause me not to get approved ID Theft victim

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 2019-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Two credit accounts including a Mastercard and a XXXX XXXX account were opened in my name on or around XXXX of XXXX, a Capital One 360 checking account was opened prior in XXXX, also a result of data breach. I need statement copies for both credit accounts as well as the checking account, these documents are needed to provide to the attorney representing me in the data breach suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2019-06-28
Company: Experian Information Solutions Inc.
State: PR
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:
During the month of XXXX I sent to Experian a dispute where I included the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2019, I received the final response to the dispute and they were not expressed in relation to the accounts described above. 

I

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 2021-11-10
Company: WELLS FARGO & COMPANY
State: SC
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 XXXX account was hacked and about {$300.00} worth of groceries and merchandise was approved for a delivery to an address in Colorado. I live in XXXX, SC and these charges should not have been approved by XXXX nor Wellsfargo! Wellsfargo has not issued a temporary credit and XXXX  says they cant do anything since some of the items were delivered. Name and address were both different from what is registered on my accounts. Again, these charges should have never went through! Wellsfargo has now also charged my acct. for being overdrawn as if my acct. was not on hold for fraud!!!

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 2020-11-19
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Never received any notice to pay the debt. No phone calls or any letters. I don't recall having unpaid medical bills. I saw this collection on my credit report today an called the creditor an paid the debt that was owed. The fact that it was sent to collection without contacting me was shady an unfair. This needs to be removed from my credit report immediately. I had a XXXX credit score an is dropped my score badly from lack of communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: EQUIFAX, INC.
State: FL
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 XXXX account # 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 that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: SYNCHRONY FINANCIAL
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They closed the account a year ago and open it to charge fees and close it so I can't use it, the creditor is synchrony bank and they approved me for a PayPal card with a XXXX dollar limit when I was late on a payment or something they dropped my credit limit to XXXX without telling me so I lost my credit score and lost my family 's transportation financing ability, then i was hospitalized with a XXXX XXXX XXXXXXXX my employment was terminated with no warning so I had no chance of my XXXX loan for equipment and debt payoff with property purchase with a usda XXXX XXXX XXXX so i am looking into legal options there as well and they did it again charged me a XXXX dollars and my score went from XXXX to XXXX i am exploring my options for legal options

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 2021-02-16
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX cash app closed my account for no reason I asked them what the reason of them closing my account they just said it was a violation I have money on my account I been trying to get this money off my account for a month I was told to cancel my debit card and get a new one and I should be able to cash out so I did so and it still would let me cash out it said I need to talk to support so I sent a email never got a response so I made a new account and they connected me back instantly since then cash app been giving me the run around Ive talked to many different people that work for app through email and over the phone Ive asked to speak with a supervisor and they refuse to give me one to talk to all I want is my money off the account please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am inquiring about XXXX  XXXX XXXX [ account number XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Experian Information Solutions Inc.
State: FL
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 XXXX account # 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 that 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 2021-05-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX/XXXX  Sales Financing XX/XX/XXXX Experian  XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX Tenant Screeners XX/XX/XXXX Experian EXPERIAN XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian EXPERIAN XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian XXXX XXXX AND XXXX  Other Collection Agencies XX/XX/XXXX Experian US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian XXXX Auto Reseller XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2020-12-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have been waiting for months to get a response after mailing multiple letters out and i have yet to receive anything back. I have several accounts on my report that i do not have contracts with or the info belongs to someone else. I have reached out to all bureaus and have yet to get a response. This is unacceptable, nothing has been mailed to me as a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: HUNTINGTON NATIONAL BANK, THE
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
We purchased a travel trailer through a dealership and the financing was done with Huntington Bank. We did not receive a payment statement or book. We have not received a single paper statement from Huntington Bank because they originally had the address incorrect by one number. They sent an email to my spouse that wasn't seen in his spam folder. We received a phone call when the account was 30 days delinquent and called to settle the account. We made a payment and fixed the address. We still haven't received a statement. We called a second time to make a payment over the phone. The account is in good standing and have made two attempts to set up auto payments. We are waiting for it to process. The company submitted a negative submission to the credit bureaus for the 30 day late payment on our very first payment ( which we never received a statement or booklet. ) This dropped our credit score and now are unable to purchase a home. I have spoken to four different people at Huntington Bank and they state, " We called, so there is nothing we can do for you. You should take this up with the credit bureaus, good luck. '' I understand we should be checking the spam folder for their notice, but it is bad business to have the incorrect address, never send a statement, and then ruin someone's credit for a first payment being missed. We asked if their was anything we could do and even offered to pay the balance in full to clear this up, but they were unwilling to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am unable to login to my Marcus Goldman Sachs online savings and CD account. I called the company and was on the phone XXXX customer service for apprx 30mins/ She advised me to report this to you. 
The address to the account was changed to somewhere in XXXX. 
I am still unable to access my account. 
I am concerned that they may have my SSN.

Company response to consumer: Closed with explanation