BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This is an ongoing predatory Wells Fargo strategy that likely impact hundreds or thousands of customers. I have reached out in the past to complain about the bank practice or applying overdraft debits BEFORE applying deposit credits to low balance accounts. When a customer notices an account is overdraft or about to overdraft and makes a deposit to avoid this Wells Fargo even for linked internal Wells Fargo accounts where transfers are made electronically and therefore should happen in real-time the bank applies their overdraft fee as a debit FIRST before the deposit/transfer ... Further overdrawing the account rather than FIRST applying the the deposit credit made by the account holder. In every case had the deposit debit been applied first the account would NOT overdraw the instance I am referring to occurred over the weekend XX/XX/2019 rather than DECLINING a transaction that would overdraw the account the bank accepted and processed it. when I discovered on XX/XX/2019 I made an electronic transfer from one Wells Fargo checking account to another. theoretically this should be immediate and real time as it is all digital and the accounts are internal and connected.On Saturday at the minute I made a {$90.00} transfer the account corrected from showing an {$88.00} over draft to showing a {$2.00} balance. However Wells Fargo then instead of applying the transfer in instant realtime held the transfer as " pending '' until Monday XX/XX/2019 and only applied AFTER they had added a {$35.00} overdraft fee debit, coincidentally also on XX/XX/2019. rather than my electronic transfer than my {$90.00} transfer resulting in a {$2.00} positive account balance my account ended up at a NEGATIVE {$33.00} by result of Wells applying their {$35.00} late fee before applying my {$90.00} transfer When I complained to the bank about this before I pointed out that as a best practice XXXX XXXX XXXX ALWAYS applies credits BEFORE debits. The response was " we can't speak for or address what other banks are doing. '' This experience is not isolated solely to me and it is a predatory practice and predatory source of revenue for the bank

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 2020-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A COMPANY NAMED : PORTOFOLIO RECOVERY ASSOCIATES, LLC. ( XXXX. XXXX  XXXX XXXX, VAXXXX ), ACCESSED MY PERSONAL CHECKING ACCOUNT WITH ROUTING NUMBER AND HAS BEEN EXTRACTING FUNDS FROM MY ACCOUNT WITH OUT MY PRIOR AUTHORIZATION, NO LETTER PRIOR HAS BEEN RECEIVED FROM ME, NOR I HAVE RESPONDED TO ANY PHONE CALL, FUTHERMORE HAVE B=NEVER PROVIDED MY BANK ACCOUNT NOR ROUTING NUMBER, FOR WHICH I BELIEVE THAT THIS COMPANY OTHER WAYS TO ILLEGALY OBTAIN PEOPLE PERSONAL INFORMATION .... I AM AN ELDERLY WOMAN AND I SURE THAT THIS COMPANY HAS ATTAINED INFORMATION FROM ELDERLYS WHO DOES NOT KNOW HOW TO DEFEND THEMSELVES

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: EQUIFAX, INC.
State: HI
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:
I have disputed the late payments on this XXXX   XXXX account for months. XXXX  and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX a letter was sent to transunion with a copy of my social security and ID, after checking my credit report I noticed 6 unauthorized inquiries without permissible purpose, I expressed to Transunion under the fcra reporting act they should be removed, transunion responded with a refusal to remove these hard inquiries that I did not approve. Under the Fair credit reporting act there actions constitute a violation to my rights

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 2020-06-29
Company: DISCOVER BANK
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:
A account was opened using my info fraudulent and the creditor refuse to remove the account from my credit file I provided a police report and ftc report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX-XXXX  contractors who represented the Hero and California First programs came knocking at my door to make my house energy efficient and bring my utility bill down. I had just lost my husband to sudden death and yes the house was in need of repair. These contractors totally misrepresented themselves and did not totally explain the truth. 
By XX/XX/XXXX my property tax bill which normally ranged between {$600.00}. to {$700.00}. was now over {$5000.00}. this raised my mortgage payments to over {$2200.00}. I had no equity because before my husband died he refinanced our home to receive the capital he needed to for a business. Just as I was ready to walk away from my home my children told me to apply to Keep Your Home California, Thank God they accepted my application and awarded me {$97000.00} to reduce the principal balance. These funds went to my Mortg. servicer XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, TX XXXX Ln. XXXX When they received the {$97000.00} I requested that they pay off the super leans from the Hero and California First. which was raising my mortg. pmts. They said no they could not. I think they are in default in handling these funds that were granted to me to help me and now that the taxes are over {$8000.00}. my mortg payment is getting harder to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Innovis
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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My DOB XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Made a few transfers from XXXX to Wells Fargo. Three went through. I have since tried to transfer funds but Wells Fargo is blocking me receiving funds. Ive called them but they give run around. They are unprofessional rude dismissive and disrespectful. The so called supervisor XXXX  was just silent et refusing to help. She has poor customer support skills. She would not take any action to see about and fix block on my account. She is not the only one. In general the staff is dismissive disorganized and disrespectful. They do not inform customers. They are unwilling to help and are not upfront. I want my funds and should not have to go through this harassment. They are a sneaky institution that had very little regard for their customers. Why do they make things unnecessarily difficult. I want my case settled et for them to be pro-active

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 2018-10-31
Company: EQUIFAX, INC.
State: HI
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:
I have disputed the late payments on this XXXX  XXXX XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$9400.00}, {$7000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 


-- XXXX ACCOUNT 3. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: AR
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 following accounts have been disputed on these dates for these reasons : XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX BANK # XXXX XXXX XXXX BANK # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX U.S. Bankruptcy Court # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. 

With that in mind, I would like to propose to settle this debt for {$160.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 following accounts have been disputed on these dates for these reasons : XXXX,XXXX,XXXX  Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX  XXXX BANK # XXXX XXXX  XXXX BANK # XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX U.S. Bankruptcy Court # 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 2018-10-31
Company: EQUIFAX, INC.
State: HI
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 disputed this Charge Off on this XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$9400.00}, {$7000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 


-- XXXX ACCOUNT 3. XXXX/DEPT OF ED with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account.

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 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 2019-06-18
Company: Experian Information Solutions Inc.
State: NV
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:
A letter of XX/XX/2019 was sent to experian disputing the court name of a public record. The name listed in my credit file is not the legal name of the court. I provided verification of the court 's legal name. Experian replied they need information from me to verify myself. I included the consumer report number which is in their database. This report number is the one they provided to me with my credit file which had been previously requested by from them. I already identified myself when I requested my credit file. The address they mailed this request has the wrong street name but the post office delivered it to me. 
I included with my letter of XX/XX/XXXX, other years their office incorrectly reporting the court 's name in my credit file.

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 2019-06-18
Company: The Bureaus, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notification from " The Bureaus '' whose company name appears to imply that it has an affiliation with the three major credit bureaus. The company has used its name to give itself an unfair advantage in the debt buyer business and has also abused its position by intimidating consumers with its business name, suggesting that it is associated with the credit bureausXXXX XXXX XXXX and XXXX 

This is a major violation of the Fair Debt Collection Practices Act. ( Sect 807 " False or Misleading representation '' ) This company informed me that I owe them {$910.00}. They have also successfully placed a negative tradeline on my credit reports. 

Under the Fair Debt Collection Practices Act ( Validation of debts ), I have a right to have these debts validated. In order for me to make a determination if what they have reported is accurate, I have requested on numerous occasions - the last in a formal letter - that they provide me with details that validate this debt. As of this date, I have not heard from this collection agency except harassing messages. 

I have never signed an agreement with this company, nor have I secured any loans from this company. The company has ignored my requests for debt validation and has continued to viciously report this item as a negative occurrence on my correct reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: EQUIFAX, INC.
State: IN
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:
EQUFAX AGAIN HAS FAILED TO REMOVE A COLLECTION FRAUDULENT ACCOUNT AFTER MORE THAN 93 DAYS, THEY HAVE A DEALWITH AGENCY TO STAY PUT. ALL OTHERS DELETED OVER 78 DAYS AGO. THE COLLECTION ACCOUNT IS XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX contacted my mother in law and told her that I havent paid my bill in four months. They also contacted a person who I havent spoke to in years and left a message, after she told them she doesnt talk to me, they continue to call her. XXXX XXXX has my address and my current phone number. They do not need to harass other people to locate me, they have my full contact Information. They also discussed my private financial situation with my mother in law who is considered a third party. I am not a minor and none of these people are co signers of this debt. Therefore, they shouldnt be contacted nor made aware of my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions 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 have several items on my credit report that are not mine including a child support debt. I have never been put on child support. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to deleted 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 explanation
Consumer complaint received 2019-06-18
Company: Bridgecrest Acceptance Corporation
State: TN
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 have sent them the 609 letter requesting that they send me documentation of my contract with my signature. None of the credit agencies have responded and its been 30 days they have to show proof. I was never notified of my car being repoed.

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