BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I contacted wells fargo to cancel a direct pay payment that had not been sent out yet. I spoke with a rep on a recorded line and she advised that she was able to cancel the payment. We had a several minute long recorded call. The next day I logged in & saw she canceled the wrong payment. I contacted the bank immediately and they saw the previous days reps notes and that she canceled the wrong payment. I was advised they were going to contact the other bank, have the payment reversed, and that I should see the deposit in a few business days. The refund did not arrive. I called a week later and was advised I need to file a claim and was given claim number XXXX. After speaking with several different reps and was advised that Wells Fargo denied wrongdoing and rejected the claim. I was advised that I could appeal to the executive business office so I did an appeal and received reference number XXXX. I never received a call from the rep contact number XXXX ( XXXX ) XXXX after speaking with the switchboard operators 1 once a week ( since XXXX ) and was advised each time she was either not at her desk and she would get the message, she was on another call and would get the message, XXXX and her supervisor would be advised that haven't ever received a call back. I have yet to receive a call from anyone at Wells fargo. XXXX without any input from me or confirming the audio recording of the call with the initial rep ( to cancel the payment ) issued me a {$50.00} customer appreciation credit which was foisted upon me without acceptance ( directly deposited into my account ). As of todays call I was advised that XXXX was not at her desk and her supervisor was on a call and it might be better for me to resubmit the claim. The new claim reference number is XXXX. The switch board number I call XXXX. While the operators are very kind they are some of the slowest talkers I have ever spoken with and repeat & reiterate details ad nauseum. Reading details of the calls that I made and what transpired on each call ( which accomplished nothing ). Reading the denial letter that I holding. Honestly felt like an annoy tactic.

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 2021-09-26
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
i have disputed with equifax several times by mail and online i have even called equifax.They are reporting a public record chapter XXXX bankruprtcy on my report they said they verified through XXXX XXXX i have my XXXX  XXXX  report and its not on there at all so that means equifax is false reporting and i want it removed. 

I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX. The XXXX  XXXX  is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief.

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: MI
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:
It is Very easy to see that these accounts are inaccurate. I am really disappointed that a Proper investigation was not done, and these inaccuracies are continually report after my request for an investigation. In Accordance with the Fair Credit Reporting Act, my request for a line by line investigation of the following accounts that could not have been done correctly. I am Really, Really upset because my credit report is still incorrect. These accounts Can not " Meet requirement of the Fair Credit Reporting Act '', as stated in your response to my complaint because I have accounts being reported as closed, when the accounts are continuously show as open month by month. The following accounts violated my federally protected consumer rights : XXXX XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX  XXXX XXXX Account XXXX XXXX XXXX and XXXX XXXX  Account # XXXX XXXX In 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( a ) Reinvestigations of Disputed Information, ( 5 ) Treatment of Inaccurate or Unverifiable Information, and ( D ) the Automated reinvestigation system states that Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. This was not done with any of my accounts. These accounts do not show that a proper investigation was completed, nor are the results accurate and fair credit reporting. My federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S.C. 1692d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2019-05-06
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
did a loan modification. did not like the terms ; appealed it. they never addressed my concerns in the disagreement and just sent me another copy of the same agreement. escrow shortage ; I sent the money ; they sent it back. all month of XXXX I'm trying to resolve. today XX/XX/19 I call and they tell me my modification was denied because I did not send in a payment. who pays when you have disagreements? I am so tired of them. this all started when the government shut down and my husband passed away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The money taken out of my checking account ending in XXXX on XXXX XXXX is fraudulent. This check XXXX was originally made for XXXX dollars to XXXX XXXX XXXX  for a credit card bill. This was mailed from XXXX XXXX XXXXn XXXX XXXX, than sometime after that, the check was stolen, whitewashed and deposited by mobile device on XX/XX/2021 for the amount of {$4500.00}, resulting in the money being taken out of my account on XXXX XXXX, the bank never notified me, I found out when I was overdrawn through email. To this day SunTrust has never initiated a conversation with me or called me about this matter unless I do the initiation. This should have never been taken out, not my handwriting, talked to Suntrust, filed a case, and also filed a police report with local and federal, since it was deposited over a mobile device. SunTrust ( Truist ) has lied to me said I would have my money back in 15 days, I still do not have it back, and they have cost me a move to XXXX XXXX for a job, loss of employment, destroying my credit, can not pay bills and have late charges. They also took my XXXX Social Security check when they said they would deposit the check into my new account, because I did not have time to change the account with Social Security. They lied again, it was setup, went to the bank, the representative called fraud department and they said they did not know how to transfer my check into new account, right. I am livid, they have lied, took my livelihood and have devastated me completely, I am going to be made Whole again, not only do I want my money back plus fees, they are going to pay for losing my job in XXXX XXXX, my move that did not happen and taking my Social Security check, not to mention destroying my credit and all the late fee, I am going to sue them for {$5000.00}. This has been emotionally, mentally and physically devastating to me and with my history I have sued before but this time I will.

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 2021-10-06
Company: OneMain Finance Corporation
State: SC
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:
On XX/XX/XXXX, my credit report was pulled by XXXX XXXXXXXX XXXX and this was not by my consent. 
I would never try to apply for any XXXX services and I have never been interested in doing so. 
This caused my credit score to drop since it was a hard inquiry. I have tried numerous times to get in touch with this company, with no outcome. 
I am not sure as to why XXXX is on my credit. My parents had an account with them before they passed away and I did have the same home address as them. So I believe this company ILLEGALLY pulled my credit, since I would NEVER even consider them to have credit with. 
I need this taken off of my credit report. 
-- -- OneMain Financial has pulled my credit so many different times and I have contacted them with letting them know I have never put in for a loan from them and to take it off of my credit report, with no help from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: CA
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX XXXX XXXX Balance {$10.00}

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent this account below has violated my rights according to 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.

Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report.Thanks

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 2023-08-09
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was on hold XX/XX/, funds were unable to be accessed. I have tried multiple times to get my money that is in account. Branch and customer service said funds were being held and account is in process of being closed due to fraud. Direct deposit from my boyfriend was being deposited into my account for about 6 months, my bank was initially XXXX and transferred to US Bank, however XXXX did not inform me I couldnt get direct deposit in his name. So my account was closed ( XXXX XXXX  ), I have funds in my account that are being held. My account is closed and has been for 2 months. My funds should be returned back to me. I have tried customer service and going to branch in which they stated they have no information to get back to me at this time.

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 2023-06-15
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: Account status incorrect

Complaint:
XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX Texas XXXX XXXX have continuously disputed my credit report and have asked them to remove items that are showing on my credit report that are duplicate, charged amounts incorrect, name on accounts not correct, accounts have also been sold to debt collectors and they continue to change dates on the credit report accounts to show they are recent yet they are old accounts. 
The following have been disputed more than once. The credit bureaus will not remove. Please remove : XXXX XXXX XXXX  act # XXXX XXXX XXXX XXXX XXXX XXXXXXXX they are duplicate - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2019-01-09
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: Account information incorrect

Complaint:
Refuse to validate. Reporting erroneous info. Never late/past due in XXXX XXXX XXXX XXXX Auto loan & line of credit. 

Delete immediately as it is adverse. Ive submitted several legal affadavits over the months but they refuse to validate. 
Only says it belongs to me with no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on the following dates, I have no knowledge of them and they were not authorized by me XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 2018-08-15
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted by what appears to be XXXX XXXX XXXX ( XXXX ). I have received calls several times a day, for a couple of weeks now, from several different numbers. I do not know why they are calling, and they do not leave a message. 

Numbers used : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: AL
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 each XXXX XXXX XXXX XXXX XXXX has violated my rights. There are a total of XXXX of these accounts. 

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 an account without my written instructions I have disputed these accounts previously, it they came back as updated and accurate. I have attached screenshots from my most recent credit report, as well as the full credit report. There are several inaccuracies ranging from the last payment date, date reported, and date of last 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 explanation
Consumer complaint received 2020-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Happy Sunday and hopefully youre doing well during this pandemic Covid19. I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

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 2019-05-06
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: Account status incorrect

Complaint:
Experian is incorrectly updating my credit file a company that is now called XXXX XXXX XXXX XXXX is reported as being negative which was never the case

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 2018-08-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX and equefax have three issues each.XXXX,XXXX,and XXXX XXXX...report should read removed.

Company response to consumer: Closed with explanation