BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-16
Company: WELLS FARGO & COMPANY
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2018 I found sports tickets on XXXX for sale. I talked with the seller via text and phone call who suggested we use XXXX through Wells Fargo for payment. Given that I had the person 's phone number, email and that I was using Wells Fargo, I figured that I would be protected. However, after I transferred the money ( XXXX dollars ) through my Wells Fargo App via XXXX, I never heard from the individual again. I promptly contacted Wells Fargo within minutes after the transaction to cancel and warn them of the scam. I provided them with his phone number, email, XXXX account, XXXX post and other bank accounts he is using for the transactions. I told them that the XXXX posting is still active as well as the email and phone number because he responded to my friend who had just reached out about the tickets again. I was told " thank you very much for all of this information, and that an investigation would be opened and that I would likely receive my money back given that this is a scam. '' However, my money was not reimbursed and no additional steps were taken y the bank to prevent this person from scamming other individuals ... even though the bank was provided with information to help shut down this scam. I reported this posting to XXXX as a scam as well. I tried reaching out to XXXX however they would not help me because I used XXXX through Wells Fargo and therefore have to issue my complaints with Wells Fargo.

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 2023-03-30
Company: EQUIFAX, INC.
State: SC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$470.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2021 I sent a letter regarding my rights that were violated on behalf of the consumer reporting agencies and it has been 60 days later and I have still not received a response. This is really disheartening and Im starting to feel like Im being taken advantage of and my disputes are being ignored. The law specifically states in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately be removed from my credit report and its been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the embarrassment of my reputation and the XXXX this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
To Whom It Concerns : Barclays Bank is fraudulently trying to charge me for an apparent XXXX XXXX subscription that I neither requested nor authorized. The charge was put through on a previously closed card number ( which I reported lost/stolen ). Barclays themselves wrote me a letter ( twice ) acknowledging the fraud/error, and said they would be crediting my account. They have since backtracked on this agreement without providing me any further information though I have called them multiple times. I therefore closed the account after paying all valid charges. But they have decided to report me delinquent and are attempting to collect the fraudulent charge and fees.

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 2018-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/18 To whom it may concern ; In XX/XX/2018, my cell phone was stolen. My phone had my bank card attached to my XXXX account. Whoever stole my phone, Im assuming it was a kid, downloaded a bunch of games onto the phone and began making purchases on these games through XXXX XXXX. XX/XX/2018, I was diagnosed with a XXXX  XXXX in the right side of my head and ordered by my doctor to take it easy. At this point, my husband began controlling the finances until after my XXXX on XX/XX/2018. He doesnt have access to my online banking information to check transactions on my account. 
On XX/XX/2018, I had logged into my banking mobile app ( Bank of America ) and found all the fraudulent charges and called to dispute them. Now, my bank is telling me that they lost the dispute to XXXX because XXXX say the transactions are accurate when they arent. What I dont understand, is they approved one set of fraudulent charges but on the large amount one, they denied it. I am disputing these charges because it was not me who made these transactions and just because I was sick with a XXXX in my XXXX, not checking my bank account on a regular basis, I should not be held accountable for these transactions. 
I am attaching 3 separate dispute claims with this, 2 of which they approved and 1 that they didnt, when they were all for fraudulent transactions resulting from the loss of my phone. I am also attaching the documentation from where I had to get my new phone a couple weeks after it was stolen. It took me almost a month to be able to get another phone because of this money being gone. 
My bank says that XXXX declined giving this money back because it took me too long to notice the transactions being made on my account and that if I wouldve caught it sooner, they couldve stopped. I was sick at the time with a XXXX in my XXXX. As soon as I found out about the transactions is when I called my bank to dispute them. I was not checking my bank account app like I normally do. This is fraud and I need help getting my money back. I can also provide all medical documentation necessary for during this time period as well to prove I am not lying. Please get back to me and let me know if any additional information is needed from my end and I will get it to you asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 the following accounts listed below has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX UT XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 SECTION 604A 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 2018-11-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
With the new federal law that recently went into effect, I decided that I wanted to establish a Credit Freeze with the 3 major credit reporting agencies. I had no problem registering and establishing the credit freeze for myself with both XXXX XXXX and XXXX. My complaint is with Equifax. I was able to establish my login UserName and Password on Equifax 's web site back in early XXXX, but then was not able to turn on the Security Freeze. Every time that I have visited their site since then, I have been unable to even login to their site - with the goal of establishing my Credit Freeze. I have called their Consumer Care Agent 4 different times ( at XXXX ), and each and every time, I was told the same very specific response : " We are experiencing problems with our servers at this moment. Please revisit our web site again in 13 to 60 minutes from now and try again. '' Yes, they were very specific : " 13 to 60 minutes ''. I believe that is just a " canned answer '' that they are reading from a script. This has been going on for 2 months now, so I feel that I have no other place to turn, other than to lodge this complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
These accounts below have the wrong balance. 

Open credit card accounts View all accounts XXXX XXXX  Reported XX/XX/2018 278 % Balance : {$550.00} / {$200.00} XXXX XXXX XXXX Reported XX/XX/2018 123 % Balance : {$240.00} / {$200.00} XXXX XXXX Reported XX/XX/2018 122 % Balance : {$240.00} / {$200.00} XXXX XXXX XXXX Reported XX/XX/2018 78 % Balance : {$230.00} / {$300.00} XXXX XXXX Reported XX/XX/2018 55  % Balance : {$550.00} / {$1000.00}

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
Consumer complaint received 2023-07-25
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is not my first time having significant issues with this mortgage company. 
I recently made several major extra principal-only payments toward my loan. Still, the mortgage company did not apply them correctly and did not address numerous e-mails regarding this issue I sent to them using their own secure messaging system. Furthermore, they refuse to provide me their physical address only a po box so there is no way I can serve them or send them registered certified mail. 
I need your help as my first communication with them was over XXXX weeks ago and there is a monetary dispute of over {$5000.00} they refuse to address.

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 2023-08-10
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: Account status incorrect

Complaint:
XXXX, CXXXX XXXX XXXX  is listed as closed but it is a open account in good standing with XXXX balance owed and high limit of XXXX dollars. ACCOUNT HAS BEEN READING CLOSED XXXX HAS DAMAGED MY SCORE GRATLY. ACT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX experian XXXX XXXX XXXX XXXX Balance is reporting incorrectly at XXXX INSTEAD OF XXXX. ( MY credit with this company was XXXX and now it show limit of XXXX. Which also hurts my credit because it increased my credit utilization with no warning that my account limit would be decreased.Please i need the account to reflect the correct amount that's due. ACT NUMBER XXXX XXXX  XXXX XXXX ( XXXX ) ( XXXX experian ) XXXX. XXXX XXXX XXXX correct balance of XXXX and should show XXXX ACT number XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, experian XXXX XXXX XXXX XXXX is reporting incorrectly and should report as XXXX. ACT NUMBER XXXX XXXX XXXX XXXX ( XXXX  ) experian ) XXXX. XXXX XXXX IS REPORTING INCORRECT IT SHOULD READ  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( experian ) XXXX card XXXX is reporting incorrectly. XXXX is amount due. Act last XXXX XXXX ( XXXX, XXXX, experian ) XXXX, XXXX XXXX XXXX  is showing incorrectly correct amount is XXXX. ( experian )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
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 have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 



XXXX XXXX XXXX Date Opened XX/XX/2022 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 2021-11-03
Company: Experian Information Solutions Inc.
State: VA
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:
credit bureau and company XXXX XXXX violated hippa law with documents they sent, and did not send verification of debt as requested. Company stated would removed from my credit reports and all bureaus did not follow as said it will. I have reached back out to both the company reporting XXXX XXXX on my credit report and the credit bureaus and no response or resolution of the items deleted.

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 2023-08-10
Company: Experian Information Solutions Inc.
State: OH
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 XXXX 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, OH XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, OH XXXX XXXX/202 XXXX XXXXXXXX XXXX XXXX : {$980.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} XXXX  ( Original Creditor : XXXX  OHIO XXXX XXXX  XXXX XXXX XXXX Balance : {$330.00} XXXX  ( Original Creditor : XXXX  XXXX  XXXX XXXX  XXXX ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$110.00} XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022

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 2018-03-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have submitted numerous requests to Equifax to provide the method of verification, with whom the information was verified, and how the information was verified. The only answer I receive is that the information was verified and updated through XXXX. This is incorrect as XXXX  is not the original reporter. Federal Bankruptcy Court in the Middle XXXX XXXX XXXX is. XXXX  has provided incomplete and unverifiable information to Equifax, XXXX   and XXXX. XXXX is not the original furnisher of information. They are a third party information vendor that sells whatever information they get their hands on as accurate. I wrote to the Federal Bankruptcy Court and asked if the Court provides any personal identifying information to any of the credit bureaus. The answer that was received stated the Federal Bankruptcy Court does not provide any information to third parties such as XXXX, Equifax, XXXX  and XXXX. That tells me that the information that was used to " verify '' the bankruptcy information was taken from the P.A.C.E.R. System which is heavily redacted. One question I have is how can XXXX delete the information and Equifax and XXXX   not do the same. I sent XXXX the same information and they understood the bankruptcy information was unverifiable and had to be deleted under the Fair Credit Reporting Act. This will be my final attempt to seek their adherence to the FCRA. The next step will be legal action in the Federal Court System. The bankruptcy docket number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Nae-Mo Corp dba Matthews & Michaels
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today I received the 8th call from Matthews & Michaels Private investigator in XXXX, Texas Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX They keep harassing me about a debt that my ex husband owes. My name is not on the debt. He calls during work hours. After numerous times telling them to stop calling me, they still will not stop. All calls are supposedly on a recorded line, and I know I have told them to stop calling me at least 6 times now. I will not and can not give them any information, they still call about every other week. I have finally blocked the phone number on my cell phone, but I am sure they will find a way around that. XXXX XXXX is the man that keeps calling me telling me that it is Urgent that I call and give them all information they require. That it is my responsibility to be sure that I get back in touch with them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have student loan accounts on file with Equifax that are being reported incorrectly and to old to be on file. The accounts that I am disputing are student loan accounts from XXXX which are the following : XXXX, opened in XXXX in the amount of XXXX ; XXXX opened in XXXX in the amount of XXXX ; XXXX in the amount of XXXX ; XXXX in the amount of XXXX. In XXXX XXXX, I filed a chapter XXXX bankruptcy which was dismissed in XXXX XXXX. The above mentioned student loans were included in the bankruptcy petition. As of XXXX XXXX, all of my student loans was consolidated with XXXX XXXX XXXX which is currently on my equifax report as well with these amounts included. I disputed the information with equifax and they sent me a report saying that the information that they have on file is currently correct. They are currently reported these accounts as negative and included in wage earner plan, when in fact they should be paid, closed or transferred to another lender like the rest of my student loan are. Additionally, these loans were first opened in XX/XX/XXXX and XX/XX/XXXX and they are too old to even be on the credit file. It appears as though equifax is not correctly investigating this information, especially if they are saying that these accounts are still included in a bankruptcy wage earner plan that does not exist. These accounts are reflecting negatively on my credit file and by right they should be removed being that they are so old, but atleast Equifax should investigate and report them correctly.

Company response to consumer: Closed with explanation