BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-17
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have previously submitted the same complaint to CFPB because the company ( Wells Fargo ) did not respond to my questions at all. They just sent me several monthly statements highlighting some transactions on them. Unfortunately these statements and highlights do not specify if the PIN was used. As such, my questions were not answered and I have no choice but to resubmit my complain. Below is my original complaint. 

Unfortunately I have no choice but to file a complaint because I cant get answers from Wells Fargo Customer Service. I was sending my questions to WF online asking how many transactions have been made using a debit card linked to business account ending with XXXX from the day of the account opening. Overall and as I mentioned in my correspondence to WF team, getting answers from WF online support is getting difficult in the last several months. 

Unfortunately I could not find out this information on my own. As you can see from this account summary, once I scrolled down to transaction details, it still does not specify whether this transaction was made using a debit card linked to this account. As you will also see from my attachments, WF customer service did not answer my questions on two separate occasions. 

Solution : ( 1 ) Please answer my question how many how many transactions have been made using Wells Fargo Business Debit Card payments/purchases using a debit card linked to my business account ending with XXXX and using PIN from the day of the account opening till today ( XX/XX/2019 ). Thank you. 
( 2 ) Based on my calculations ( please see account summary attachments ), I have made 12 Wells Fargo Business Debit Card payments/purchases using a debit card linked to my business account ending with XXXX and using PIN. Please confirm that this information is correct. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-01-05
Company: WELLS FARGO & COMPANY
State: IL
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:
I am reporting big fraudulent charges on the fraudulent Wells Fargo credit card account with my name, the card ending in XXXX. I have been living in central Illinois near 18 years now. Unfortunately, recently my identities were stolen by a thief in Florida. I received a Wells Fargo bill statement of credit card ending XXXX on XXXX XXXX, 2022. I never apply for or have this credit card account. The statement shows big fraudulent charges of a total {$5900.00} including major transactions in Florida. I called Wells Fargo right away to report this fraud problem. But yesterday I received an attached letter from Wells Fargo which denies my fraud claim. I had to call Wells Fargo again to ask detail checking and investigation about my claim. I spent over XXXX hour to spoke to XXXX different representatives but no good answer so far. I had reported to our local police department to file a police report # XXXX, with XXXX XXXX XXXX XXXX ID # XXXX. The contact phone # XXXX, XXXX XXXX Police Department, Illinois. I also filed an Identity Theft Report to FTC, and enclosed copy here.

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting 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 Reporting act XXXX  account # XXXX XXXX  XXXX has violated my rights.Account # XXXX XXXX 15 U.S.C 1681 section 602 A states i have the rights 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 2023-11-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2022 I went into Ulta they let me know I was pre-approved for a credit card. I accepted and paid for my items that day in cash. I never received the credit card in the mail, so I assumed it did not go through. Three months later in XXXX I was called about being late on my credit card statement for Ulta. After I assured them I never received a card, so I had not used it I asked to file a claim of fraud. They were not cooperative and their calls kept coincidently dropping when I was close to a resolution. I finally got to someone who said they would file a claim for me, and that my account was under investigation. The company kept harassing me with robocalls and rude debt collectors even though I told them my account was in review. They were also charging me interest and late fees on a card I never received let alone used, which has been negatively affecting my credit score. 

I have never received an Ulta card, which I also reported to them and I never made a purchase. They told me to get my receipt from the store but by the time I tried to get the receipt, the store manager it had been too long and they no longer had my receipt in the system. But the fact remains that I never received nor activated an Ulta card, therefore the purchase amount, interest, and late fees are not mine to incur.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good morning, I received medical bills from XXXX  XXXX for dates of service of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told by XXXX  XXXX that my insurance company did not pay said claims. I contact my insurance company, XXXX XXXX XXXX XXXX New Jersey, which is XXXX managed health insurance. I was told I needed to file a grievance. I filed a grievance and the grievance was substantiated and the claims would be paid. The letter also states that " we have notified your provider in writing that they should not be billing you for these services. '' However, I am still being billed for the services and XXXX  XXXX hired a collection agency, Remex , Inc. to collect the debt. I contacted Remex , Inc. and explained the circumstances. I advised XXXX XXXX at Remex , Inc. that the claim will be paid by insurance. On XX/XX/XXXX, Remex placed negative information on my credit report regarding date of service of XX/XX/XXXX in the amount of {$410.00}. Subsequently, I had a conference call with XXXX XXXX and the insurance company on or about XX/XX/XXXX. I was told that the claims were no longer at issue and the negative information would be taken off of my credit report. However, not only did Remex not remove the negative information, they put additional negative information on my credit report on XX/XX/XXXX regarding the same date of service of XX/XX/XXXX. 

On XX/XX/XXXX, I spoke to XXXX XXXX XXXX XXXX New Jersey and was told that XXXX  XXXX is in violation of their contract and that I should not be billed as I was covered by a XXXX managed care. A patient has 0 % responsibility under XXXX and should not be billed. I was also told that negative information should not have been placed on my credit report. Companies like XXXX  XXXX and Remex , Inc. should not be able to harass patients and place negative credit items on their credit reports. Please assist me with resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-07-21
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In early XXXX of XXXX it's showed that my student loans were charged off with no debt and this caused my credit score to go up due to that. And mid XXXX of XXXX all of the student loans came back on my credit report but now it looks like I have XXXX accounts with different amounts of being paid and not paid this cost my credit score to go down XXXX points past that when it occurred.Also I was unaware and not notified of the US department of education switch of the names and this happening to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: EQUIFAX, INC.
State: NY
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:
Equifax is reporting 2 XXXX XXXX accounts that are showing XXXX accounts that are negative ) yet it shows paid as agreed. First off they are reporting 2 XXXX XXXX cards with 2 different account numbers with the same credit limit. This is a duplicate. There should not be 2 XXXX XXXX accounts reporting as negative. My other issue is if it stating pays as agreed and account is current then this account should be under accounts that are in good standing. Having this wrong information reporting is affecting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion is failing to address and meet my demands whereas I submitted evidence and opened multiple disputes on my credit report for accounts that were compromised and opened due to identity theft. Instead of investigating which now it has been over 30 days since I contacted Transunion where I haven't heard back on any investigation results disputes or notified of anything that went on. They send me a letter pertaining to the dispute that they don't think that the information sent was from me the consumer when it was 100 % me and I provided proof of identification that the dispute was from me. Transunion is doing this to cover up and buy more time for these inaccurate, illegal reporting accounts on my report that is significantly harming me where I am unable to go for a mortgage loan in which I am currently shopping for. I need the CFPB to address this and help me Transunion already has all the documents required to get this investigation going and need the CFPB to help put pressure on Transunion to stop this illegal activity and to process these disputes so I can get these accounts that are not mine and don't belong to me off so I can get my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: AZ
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 sent a dispute by mail asking what form of verification was used to verify the said Debt that doesnt match my records. they claimed that the furnisher has verified it and they dont need to show me proof ... iv reached out to the funisher and they havent responded to my mail or phone calls, yet XXXX  still claim its verified ... its been 6 months iv tried working on this and im being told the same thing ... iv requested informtation regarding the verification on the debt with 2 certified letters now and havent recieved anything but a credit report copy, that i can get get online for free...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Unauthorized inquires on my credit report that are not mine ... fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: CAINE & WEINER COMPANY, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent Company A Letter Asking Them To Validate Debt And Company Has Not Responded In A Timely Manner. I Am Not Familiar With : XXXXXXXX XXXX XXXX XXXX {$370.00} This account is inaccurate and fraudulent And Have Never Signed A Contract, With This Company Nor Have I Ever Entered Into Any Agreement With Them. Neither do This company have My Signature. This company Never Sent Me A Notice About Attempting To Collect On Alleged Debt, They Simply Put A Negative Remark To The Credit Bureaus And I Am Asking That The Collection Accounts Be Removed. They Are Alleging A Balance Owed ( which was typed above with account number ) To Their Company this is not my debt and also have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
How can I get my refund check deposit

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 2022-02-24
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello. My name is XXXX XXXX XXXX. I have tried to contact a Human person at these credit companies, XXXX XXXX XXXX, XXXX Credit Bureau, Experian Credit Bureau and Annual Credit Report. I tried all their numbers and called five times over the past two weeks. The automated system for each service will not move me forward to the customer service representative. I am told by the automated system that because I do not have Limited Circumstances I can not speak to a representative.I can not access my credit report as my information is, apparently, not associated with my annual report account. I have been told by a bank that I have poor credit. However, I am XXXX XXXX XXXX and have not established any lines of credit history. I believe my credit information has been either compromised or used by a family member. 

I am very frustrated that I can not talk to a real person at all of these top leading credit companies, all of which hold information associated with my social security number. These companies have access to information that I need to verify and/or correct to see if my Credit has been in fact used by someone else. Can someone please help with how I can reach out to a person for one or all of these Credit Bureaus, please?

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 2023-04-14
Company: Experian Information Solutions Inc.
State: NY
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:
the student loan are over 20 years old and were at one point in default then they were removed of report almost 10 years ago. for some reason the student loans are back on my reports and reporting CURRENT. I have not seen or heard from these loans and could nit be current at all I called the loan carriers and they said they have no answers because they show no payments in over 10 years.

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 2023-04-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2022-02-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX is reporting an address on my credit profile that I do not recognize. Clearly the address listed on the credit personal profile is not my address. I do not recognize that address and I never resided at that address. This is an error that cost points on my credit profile.

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 2022-02-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A person made fake job offer and send me fake check to set up mini office at my place. So wells Fargo bank cleared the check at first and money was available in my account. I had to order stuffs for mini office online and send money from my account. After 24 hours bank returned the check and my own money is gone. The person whom I sent money is a XXXX XXXX XXXX account holder and they got the money. Now my bank is not helping me to recover the money and also behaving that it is my fault. My account balance is negative and I can't pay off the debt. Bank is taking zero responsibility

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