BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-16
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2019 I was charged two {$35.00} fees for debit card transactions. XXXX XXXX charged {$12.00} and XXXX charged {$9.00} for my monthly subscription. I was told when opening my checking account at the XXXX, MN location that I had the option to " Opt-In '' to Overdraft Protection for my debit card. I was told that if I Opt Out and use my debit card, they can decline the transaction, which is fine with me. I opted-out because I feel its senseless to pay a {$35.00} fee for a small pos transaction. 
Well, Wells Fargo failed to let me know that they still have a secret way they can charge me fees for debit card transactions, by constantly using the word " Recurring ''. This is a massive issue and of course its Wells Fargo creating this situation. 

I contacted Wells Fargo customer service regarding my account and told them I am not paying those two fees as I opted out of that service and they stated its different and its recurring. All they could continue to say was the word " recurring '' and that its legal for them to do this. I did not agree to this, I was not informed of this, and I would NEVER in any world authorize this. 

Wells Fargo told me they would credit back {$17.00} of the {$70.00} in fees. That is unacceptable, I will not pay a dime for any of these fees I did not agree to. 
It is kind of funny how even after hundreds of millions of dollars in fines for behaviors similar to this, they have concocted a way to continue to bilk consumers out of likely millions of dollars in overdraft fees using this magical word called " recurring. '' No where in any of my checking account paperwork did I agree to this. 
I feel this is a form of fraud and I urge the CFPB to look into 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 monetary relief
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: IL
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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 I requested and applied for a pre qualification for a mortgage for a second home from Bank of America. The agent XXXX   XXXX  out of XXXX, NC sent me the electronic application, which I completed and she called me a XXXX. She stated that in order to qualify for a 10% down payment I would need to have a 740+ credit score. My 3 scores at that time were XXXX, XXXX  and XXXX. My BOA app states an XXXX   score. She stated she would call me on Friday XX/XX/19. I heard nothing until late on Monday, when I was informed that I did not qualify for 10% down because my score was less than 740. I have since had multiple phone calls and emails with the representative, who stated she would call me on a conference call with her supervisor on XX/XX/19. On XX/XX/19 I sent copies of all 3 of my credit reports to the representative. I pulled them myself to avoid additional inquiries on my report. On XX/XX/XXXX I received an email stating the she was sick and would not be able to call me. On XX/XX/XXXX I sent an email to the representative stating that I was still waiting. On XX/XX/XXXX I received an email stating that her manager had requested that she send him "an additional piece of info from the company they order reports from" I have had no contact or response since then.I fear that if I allow them to re pull my report, they will pull the correct scores and attribute this to a computer malfunction. I do not have the pre qualification to date, and I have no answer as to how their system pulled an erroneous score. On this loan alone, BOA would stand to make considerable amounts more by charging an interest rate based on a lower than actual score. Please assist in making sure that this is not intentionally being done by BOA to increase revenues. Thank you for your assistance and consumer protection. I fear that this is much bigger than just one mortgage. Sincerely, XXXX XXXX XXXX XXXX  XXXX  XXXX, NC 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 explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOANS OR LEASES 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$15000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
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:
My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2017-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 trying to get resolution with TransUnion regarding accounts on my credit file. I am exhausted disputing XXXX XXXXXXXX XXXX XXXX and XXXX XXXX both collecting on the same debt on my Transunion file. I am aware of my rights according to FCRA and two collection agencies can not report on the same debt at the same time. Strangely enough I have requested debt validation but have received nothing. I have been disputing XXXX XXXX for so long, but never received in verifying from credit bureaus only an updated report verifying the item. I requested proof that I agreed to pay them any monies. I would love to see my contractual obligation to this company in which I have no business dealings ... Period! It 's really frustrating to be misrepresented by the credit bureaus for the debt they refuse to prove I owe. Transunion had had several glitch which remove and reinserted the items, but not once did they notify anytime after reinserted it onto my reports. That is also a violation of the laws put into place to protect me the consumer. I would like immediate removal of the items before I summon the ftc and consumer affairs. All these are clear violations according FCRA and FDCPA and I will enforce my rights including contacting my attorney general and Filing a BBB complaint.

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 2023-09-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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 recently checked my credit report and i noticed there is unauthorized credit inquiries made by the companies listed. I never authorized and for no legitimate business purposes. This constitutes a violation of my rights under the fair credit reporting act 604 as well as violation of my rights to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
* AmeriSave is requesting information from me that never been requested before after I have refinanced several times. Asking for companies statements for 12 months that is on my credit report that is not in a derogatory category. 
* Asking for 60 days of bank statements that was already submitted. 
* Just sent me below after XXXX XXXX confirm I didn't need anything else last week. 
Bank Account Information for {$47000.00} XXXX XXXX, please provide 2 months consecutive bank statements or 60 consecutive days acceptable transaction history. Documentation must include Bank/Institution name , Account Holder, Account name, Account type, Balance and Balance as of date supporting {$3000.00} in assets. 
*Please provide a Mortgage Statement from Creditor : XXXX XXXX Account number : XXXX to support timely payments for the month of 12 months *Provide documentation supporting the omission of the following non-mortgage debt : 1. If this is paid by another person/business provide 12 months cancelled checks/bank statements showing the full payment amount. Or 2. If the balance is XXXX please provide a statement or paid in full letter in addition to source of funds to do so. All documentation must reference the borrower and the account number listed Creditor : XXXX CARD | Account number : XXXX OTHER DOCUMENTATION Please provide a Mortgage Statement from Creditor : XXXX | Account number : XXXX to support timely payments for the month of 12 months * I know these request is out of line with a refinance Mortgage.

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 2019-12-11
Company: CONTRACT CALLERS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Miller, Stark, Klein and Associates
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As of XXXX, this company is calling me and asking for a debt ( from a decade ago, when I was a minor ) that I do not owe as I paid it off years ago. They are calling me repeatedly and not giving much information other than the amount of the supposed " debt '' ( thousands of dollars, which is n't remotely near the original debt ). I 've asked them to prove that the debt is owed, and they sent me an email. I mailed them a debt validation request to which they have not responded. Instead, they just keep calling. 

They are called Miller Stark Klein and Associates. It 's the belief of me ( and hundreds of others, per my research ) that they are illegitimate. Most of their positive reviews seem to be made up. I do n't understand how they are allowed to remain in business considering that they are threatening people with legal action without having even sent anything in the mail. 

Although XXXX the company name returns an address and phone number, XXXX the address does NOT turn up their company name, and XXXX the phone number turns up mostly consumer complaints. 

A XXXX search shows that this company has the same complaint from other consumers, and numerous BBB complaints. Not sure how they are allowed to remain in business. I worry too that they 'll just sell off my information to another shady or fake " debt collector, '' and the cycle will continue. 

Here 's one source of complaints : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: U.S. BANCORP
State: FL
Product: Prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
In regard to the us bank focus cards for XXXX XXXX XXXX XXXX  : US Bank Executive, XXXX XXXX, is new on the Advisory Board for of XXXX XXXX XXXX XXXX, and now over 100,000 Florida families are blocked from accessing our XXXX XXXX XXXX funds without utilizing a US Bank issued and controlled card. 

Furthermore, there are no US Bank branches in the entire State of Florida, instead, we are directed to make cash withdrawals from XXXX ATMs, for our childrens educational reimbursements. 

We are also being coerced into opening up a US Bank account. They are claiming that the US PATRIOT ACT requires certain documentation to comply with the banks request.

Additionally, we have been lied to about fees associated with the card & how to access it, such as XXXX XXXX XXXXXXXX, bank transfer, etc.

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 2023-03-15
Company: Experian Information Solutions Inc.
State: TX
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XX/XX/2021 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 2023-09-23
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I have sent disputes for the last 3 months but have not received any updates or an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Better Mortgage, Inc.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to Better Mortgage Corporation to refinance my mortgage via a total online process. I have consistently held a credit score above XXXX for years and have been paying my mortgage to the same company ( not Better ) for 15 years without a late or skipped payment. I have worked for the same company for almost 3 years as an intermittent employee where I work on projects until they end and then start another. 
I also collect a small pension and social security benefits. I was able to lock in a very good rate with Better to refinance 2.375 % for 20 year fixed. XX/XX/XXXX I had locked the rate and it was good until XX/XX/XXXX. 
I was told on XX/XX/XXXX that my application was denied because of insufficient income. 
Due to company closings during the pandemic I had collected unemployment twice ; once for 2 months early XXXX and then again XXXX - XXXX of this year. The Better company would not consider my income because of the breaks of collecting unemployment. I researched XXXX and XXXX and saw the refiNow program for which I qualified for being in the low income bracket. When I spoke with my mortgage rep to ask why underwriting would not reconsider taking my earned income, excellent credit scores and the fact that I would be paying less every month with the new mortgage I was told that my employer said that I may not be hired for more than a couple more years. I believe this was said because of my age XXXX and I don't believe my company said any such thing. He said for me to reapply again. I responded that I would not get that great rate again ( he agreed ) and why would I bother. It seems like that I was denied because the rates increased and Better mortgage would not be able to make a profit selling my loan. If the guidelines of the refiNow program state that earned income does not count due to the pandemic and collecting unemployment I would not be concerned but I am fully aware that many people had lost jobs, collected unemployment and some never returned to work. I thought the refiNow program was to assist people like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, 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 been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$7200.00}

Company response to consumer: Closed with explanation