BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-18
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
I recently complained about Wells Fargo and a credit issue and although I disagreed with the company response in Case No. XXXX, nothing has been followed up on yet the company completely ignored the issues causing my concerns. 
Wells Fargo DID NOT address my concerns yet merely did the same thing they always have done which is ignore my complaints and refuse to explain issues I pointed out. 
Please reopen this complaint. They went through my personal bank account and went through all my checking statements, which I find very troubling as XXXX should only be able to look at my payments and statement from XXXX. XXXX Wells Fargo should not allow the review my personal purchases that have nothing to do with XXXX  payments. I advised in my complaint that payments made to Wells Fargo XXXX were withdrawn from my account 'immediately ', yet on the statements they have dates that do not align with when the payments were made. Example, make a payment via the Wells Fargo app, the money is taken out of my bank account IMMEDIATELY ( say a Thursday ). However, Wells Fargo would sometimes post these payments 3 & 4 days later ( not till Wednesday or Thursday ), making it appear the payments were later than they were. To be clear, when I made a payment to XXXX  money came out of my checking account right then!!!!! Reviewing my statement does NOTHING if you do not review the faulty payment system. My complaint pointed out that their payment system was not accurately reflecting payment posting dates and reviewing the statements has nothing to due with Wells Fargos faulty payment processing I complained about in my original complaint. In addition, Wells Fargo has incorrectly calculated the 28 days in XXXX. Combined with the delay in posting my payments due to the payment error on Wells Fargos side, Wells Fargo needs to remove the late payments and fix my credit report. I was also not late in XXXX & XXXX of 2019 yet WELLS FARGO refused to address that in my complaint too. Even if I was late 2x in one year per their misleading account statement ( XXXX & XXXX ), I WAS NOT LATE FOUR TIMES!!!! PLEASE GET THIS RESOLVED AND DO NOT LET WELLS FARGO PULL THE WOOL OVER YOUR EYES AGAIN!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26
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:
XXXX and Trans Union are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 2021-09-11
Company: EQUIFAX, INC.
State: AL
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:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted written notice to XXXX XXXX  XXXX XXXX, filed on XX/XX/XXXX of early move out. I was told that I must pay 85 % of rent until new tenant is found. I also paid all fees and final payments to them which they signed. I was notified via phone two months ( XXXX ) later that they found someone and my last 85 % payment would be XXXX. I did not know there was a collections on me until job background check was done on me in XX/XX/XXXX. I called the Apartment management office and they refused to talk to me and told be to talk to the collection agency to get details. I called Blakey-Witt and Assoc Inc, XXXXXXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) listed on the credit report. They told me I owed {$19000.00} and directed me to talk to the apartment management to get details. I tried to tell them I did not owe this amount and I would be happy to send them my lease termination notice and all receipts that I paid but they refused to accept it. 
As of today, it is now showing {$8800.00} in collections. I have filed dispute with XXXX  via XXXX but never received anything back from XXXX. Today ( XX/XX/XXXX ), I went through XXXX site and filed another dispute in hopes of getting it resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account that has a XXXX dollar balance due. This false reporting of lates is seriously harming my credit and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-12-15
Company: Experian Information Solutions 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2019-03-24
Company: Experian Information Solutions Inc.
State: MA
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 tried to get the information of my chapter XXXX verified and asked which company or person did they use to check my chapter XXXX.it is reporting open and it over 2.5 years old. Was deleted from both of the other to credit reporting agency XXXX and XXXX yet experian will not make removal of wrong information!

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 2019-04-16
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
American Express posted a payment to my account that was not initiated by me. I notified them immediately but was told nothing could be corrected until the payment was processed. The electronic payment from an unknown 3rd party bounced. I explained that it must have been a fraudulent attempt to steal that 3rd person 's money. Despite warning AmEx, they have sent me notices about my alleged bounced payment. I have lost certain card benefits and now charged a penalty interest rate ( although I pay my bill in full monthly ). Since this occurred on XX/XX/2019 I have had multiple telephone calls and emails trying to reverse this action for fear they would make a negative credit bureau reporting. I sent a detailed letter with attachments of all correspondence and form letters received on XX/XX/2019 asking for documentation about the alleged payment and that they acknowledge that the " bounced check '' was not from me. Other than paper form letters matching their prior emails, AmEx has not bothered to respond to my XX/XX/XXXX letter. I advised them that I would file a formal complaint is no response in 30. 

At AmEx 's suggestion, I changed the password on all my accounts and logins. There has been no similar incidents with any other of my credit cards or online accounts - only with AmEx.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
Company: Caliber Home Loans, Inc.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I need help. My daughter and her boyfriend used my name and social to buy a home and they are trashing it. I am wheelchair bound and at their mercy. They always get so mad when people try to help me. They blame everyone else and never take responsibility. They have restraining orders against them from other people. There is fire damage to this house, debris and trash everywhere. I would be trapped here if another fire happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello, I was a Compass/BBVA account holder for over 20 years and have been mired in the PNC transition for almost a month now. Since XXXX I have been denied access to my personal account, money market account, and primary business account. I have only had access to a single business account that I very infrequently use. 

On XXXX I was told the IT department was having some issues transitioning all of the accounts and it should be resolved before the end of the week. 

On XXXX I visited a local branch and was told the same story- they were overwhelmed with issues and working to resolve it. I went to make a cash withdrawal, my driver 's license had expired 30 days prior and I have an appointment with the DPS for it's renewal. In spite of my BBVA debit card and new PNC debit card in my possession and presented to the teller, due to my expired driver 's license the tellers would not allow me to make a cash withdrawal without a 2nd form of ID. 

On XXXX I spoke to my local bank manager again about my lack of account access, but this time I was told they needed to submit a " link request '' to the IT department on my behalf in order to link my missing accounts. I was told this process would take 5-7 business days. 

As of XXXX nothing has changed and I have received zero communication from PNC about the issue and/or their attempts to resolve it. Multiple requests for support that I submitted via the app and through the on-line portal have never been responded to. 

I would close my accounts, but having never expected this issue I have not downloaded my financial data and transactions for 2021 taxes. I fear if I close these accounts before receiving full access from PNC I will never be able to access this information again in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Wal-Mart will not give me a settlement until my balance with them is {$300.00}, which is crazy because I don't want to build up that balance. I have a {$220.00} balance that I want to dispose of, but I can't settle with them until I have a {$300.00} balance. That's nonsense on their part, to let the balance and late fees accrue to this amount when I want to get rid of the card!! 
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 2021-09-11
Company: Medical Data Systems, 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:
Please remove all inquiries and collections

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 2017-12-04
Company: CAINE & WEINER COMPANY, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have previously stated that I have no debt with XXXX XXXX and CAINE & WEINER COMPANY, INCXXXX has not sent me anything by mail notifying me of a debt or my right to dispute it, violating the law. If they sent the verification certified then they need to send the confirmation that the letter was delivered and to what address. I have received many things from XXXX XXXX through e-mail and regular mail and not 1 thing was a bill. Also, the collection agency has had more than enough time to provide verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Diversified Consultants, which is a debt collection agency attempting to collect on a debt that XXXX claims I owe them. I left XXXX in XX/XX/XXXX for XXXX. In order to bring over the phones from XXXX, which were being leased I had to pay them off. I went ahead and paid off the remaining amount owed on the phones and the phones were then unlocked by XXXX and I cancel service with XXXX. Per the agent from Diversified Consultants with whom I spoke with, today ( XX/XX/XXXX ). XXXX states that an itemized bill was sent to me at my current address. I told the rep I never received the itemized bill from XXXX, or any bill from XXXX. The agent confirmed my address, and it was the correct address, but I never received the communication from XXXX. I asked the agent if she could give more info, but she stated that she could not. All she could say was that XXXX is collecting on payments for the leased phones, and services. I attempted to contact XXXX to resolve this issue and was led on a wild goose chase from one person at a call center to another. Neither of them would give me specific information about what I owed but rather transferred me to another department that was " better suited '' to handle this issue. This lead to them reconnecting me to Diversified Consultants. XXXX has provided no proof of what they claim I owe and the letter from Diversified Consultants is not itemized either. Per XXXX 's legal agreement on their website ... 

" XXXX will unlock a device from XXXX 's network under the following circumstances : The device is SIM Unlock capable The device must be or have been active on the XXXX network for a minimum of 50 days Any associated Service Agreement ( or any Minimum Service Term, where applicable ), Installment Billing Agreement, or Lease Agreement has been fulfilled including, but not limited to, payment in full of any applicable : 1 ) early termination fees, 2 ) accelerated installment or lease payments, and/or 3 ) end-of-lease purchase options. Because leased devices are not owned by the user, the end of lease purchase option must be exercised and paid in full before the SIM unlock is completed. 
The associated account is in good standing The device has not been reported as lost or stolen, associated with fraudulent activity, or otherwise flagged as ineligible to be unlocked For SIM unlock-capable devices ( generally most devices launched after XX/XX/XXXX ), XXXX will automatically unlock postpaid devices when they becomes eligible. '' This is directly from their website. XXXX would not have unlocked the phones, and I would not have been able to bring them over onto another carrier, if they were not completely paid off. Since this has been reported to credit reporting agencies, my credit score has unfairly taken a serious hit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday, XX/XX/XXXX, I deposited a check into my checking account at Chase Bank. As I put the check into the ATM, it said there would be a possible hold on these funds until XX/XX/XXXX, so I attempted to cancel the transaction. The ATM did not allow for a cancellation, basically giving no option but to wait on Chase. 

On Monday, XX/XX/XXXX I called the bank and explained the situation, letting them know that I need this money badly as I have no received any pay for nearly 7 months due to the pandemic. I am a college student, so I never received unemployment and the landscaping company I worked for laid me off. The bank said that the check would process no later than Monday, XX/XX/XXXX at XXXX. 

On Tuesday, still no funds, so I gave it a day before I called back. Wednesday, XXXX XXXX, I call the bank and get hung up on twice after waiting for 30+ minutes on each call, both before I could even say a word. Their agents service dropped on the third call, but on the 4th call ( 2+ hours later ) I get in contact with someone who tells me they can not release the funds. I asked them why the funds cant be released and they didnt give an answer but rushed me off the phone. This morning, XX/XX/XXXX, I called again and the customer service representative said that the funds could not be released because the federal reserve was not giving clearance to process these funds. I then called the federal reserve, who I explained the situation to and they referred me to this site to file a complaint. It has been a week now and I still have not received my money, while Chase is giving me the run around and providing false answers. No one protects the little guys - corporate continuously gets away with treating their customers like garbage and its business as usual. I am demanding action to be taken to resolve this issue so I can forever end my relations with Chase Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-16
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have no knowledge of the following inquiry : XXXX XXXX XXXXXX/XX/2018 Please investigate to ensure there is no fraudulent activity

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 2019-02-18
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX XXXX XXXX I received an email from XXXX that they received my online payment of {$21.00}, confirmation number XXXX. XX/XX/XXXX was the due date and made my payment on the due date. Since then I have received countless emails indicating my monthly payment was past due and this morning I received a computerized phone call from Citibank ( I guess they handle XXXX credit cards ) indicating my payment is past due and that is not accurate, my payment was made on time. I eventually got to speak to a representative during the computerized phone call but the call was quickly disconnected. I called the toll-free number provided, spoke to a representative from Citibank, gave him the confirmation number of my payment and he said the payment takes a few days to process but he would update the records, but I don't want to be continually harrassed every month when making my monthly payment on a timely basis because XXXX XXXX system takes a few days to process the payment. This harassment has to stop, the emails and phone calls are not necessary.

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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX XXXX {$380.00} XXXX  XXXX {$640.00} XXXX  XXXX {$750.00} XXXX XXXX XXXX   XXXX {$260.00} XXXX  XXXX {$190.00} US DEPT ED XXXX {$1700.00}

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