BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: WELLS FARGO & COMPANY
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX and I have been the subject of bank fraud for the amount of {$2900.00}. I am filing this complaint against Wells Fargo Bank because someone intercepted a check issued to myself, forged my signature, and cashed the check in my name at Wells Fargo. However, I do not currently hold nor have I ever held a bank account at Wells Fargo. I have uploaded a copy of the check that was fraudulently cashed in at Wells Fargo in my name. 

I am a XXXX XXXX at XXXX XXXX XXXX, where I began working on XX/XX/XXXX. 

On XX/XX/XXXX, I notified the XXXX XXXX Department XXXX XXXX XXXX Strategies ( XXXX XXXX XXXX XXXX, hereby referred to as " HR '' ) that I required a revision of my Form XXXX and a refund of the taxes that had been withheld. I was notified by HR that, according to its payroll processor XXXX, it would take XXXX weeks to process the amendment. My case at XXXX is referred to as " XXXX. '' From XX/XX/XXXX to XX/XX/XXXX, I sent multiple follow up emails to HR and XXXX asking for updates on my refund status. On XX/XX/XXXX, I was notified that HR raised a formal complaint against its payroll processor XXXX regarding my refund. 

On XX/XX/XXXX, I was notified by HR that XXXX had already allegedly refunded the taxes. On XX/XX/XXXX, I was notified by HR that XXXX had mailed a refund check in my name for {$2900.00} to my address on file ( XXXX XXXX XXXX, XXXX, NJ XXXX ). On XX/XX/XXXX, I informed HR that I never received a check from XXXX in the mail, and requested to void the check, as I had neither received nor cashed this check from XXXX. 

On XX/XX/XXXX, I was notified by HR that XXXX informed HR that Check # XXXX for the amount {$2900.00} had been issued and mailed out on XX/XX/XXXX via regular mail to XXXX XXXX at XXXX XXXX XXXX, XXXX, NJ XXXX and cashed at Wells Fargo on XX/XX/XXXX. I was then advised by XXXX to complete a Wells Fargo Bank Affidavit of Forgery, notarize it and mail it to XXXX XXXX at XXXX ( XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX ). 

On XX/XX/XXXX, I reiterated to HR and ADP that I had never received a check from XXXX, that I had not signed a check, and that I do not currently have and have never had a bank account at Wells Fargo. On XX/XX/XXXX, I emailed the notarized Wells Fargo Bank Affidavit of Forgery to HR and XXXX ( XXXX XXXX, XXXX ), and on XX/XX/XXXX, I mailed the notarized Wells Fargo Bank Affidavit of Forgery to XXXX XXXX at XXXX. I have not received a response from XXXX yet. I have uploaded a copy of the notarized Affidavit of Forgery that I was asked to sign from Wells Fargo. 

I am filing this complaint against Wells Fargo because someone intercepted a check issued to myself for {$2900.00}, forged my signature, and cashed the check in my name to Wells Fargo, where I do not currently hold nor have I ever held a bank 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 non-monetary relief
Consumer complaint received 2021-04-04
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: Their investigation did not fix an error on your report

Complaint:
I called and spoke to the credit bureau about the items and was informed that they would be removed. I provided everything that was asked of me. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Resurgent Capital Services L.P.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
LVNV FUNDING LLC reported incorrect amount. I attempted to dispute it on XXXX XXXX and I got no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently, I did an investigation on my credit report and found unverifiable, invalidated, inaccurate, and questionable items that the companys didn't make sure was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, I find that untrue when there are several inaccuracies showing on my report. 
As a consumer, I request to know all the measures that were taken to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 
I have asked the credit berues for their results and they have failed to show proof or delete/update the items I personally told was inacurate.

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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion, XXXX, and XXXX are putting false information on my credit report without my permission. They never verified anything with me, so now they are defaming my character. I sent all 3 a letter and they still have not responded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
XX/XX/XXXX I put in a application to refinance my XXXX XXXX XXXX. 

XX/XX/XXXX I spoke with XXXX and went over a few pre-approvals and I accepted 48 months at 7.74 % and a payment of roughly XXXX. Same day XXXX called back and said they counter with 7.14 % and a payment of XXXX I accepted the offer and started uploading docs. At this time there was NO mention of down payment what so ever, all calls are recorded. 

XX/XX/XXXX XXXX calls and asks about if I will be pay the down payment and I told her that it was never mentioned so I did not know about it. She then said I will need to call you back so I can figure out what is going on. 

XX/XX/XXXX XXXX calls and says she did not bring it to my attention and that it was her mistake. 

All calls are recorded.

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 2023-08-14
Company: Experian Information Solutions Inc.
State: ND
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 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 explanation
Consumer complaint received 2017-07-10
Company: FIRST NATIONAL BANK OF OMAHA
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In the early XXXX 's I had a credit card called XXXX. It went out of business long ago but I am still paying on my balance. They put up a website to take payments but they make it nearly impossible to get into it. Every single time I try to log in it gives me trouble by not taking my password. It asks to change passwords often too, and then it wo n't take the new password. Once you try three times it locks you out for three hours. Today is my deadline and I tried to get in to make my payment. It would n't take my password and then locked me out for three hours. By the time three hours is up, I will have a late charge because my payment will be late. I tried calling their XXXX number to pay by phone but there 's apparently no way to get anything but balance, etc from that number. This is ridiculous and I am tired of becoming anxious every time I try to pay this bill. Maybe they will answer you but I doubt it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-12-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are hard inquiry on my account that I did n't authorize. 
* 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 explanation
Consumer complaint received 2023-09-14
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Talking to my mortgage banker she showed a collection from I C SYSTEM Opened XXXX For XXXX dollars. Called I C System and they wouldnt disclose debt they asked for debit or credit card number and said it would also cost money to disclose any information This is highly irregular cant dispute debt without debit or credit card info is very suspicious. How can I dispute a claim without giving those numbers is this legal

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 2021-12-10
Company: TRANSWORLD SYSTEMS INC
State: NJ
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:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft YOUNOMICS Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft Chapter XXXX XXXX Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft Chapter XXXX XXXX  XXXX XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine. 

XXXX. Identity Theft YOUNOMICS Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime closed my account on XX/XX/2023 after placing security measures on my account which I was already in the process of getting removed then they asked for my needed documents from the IRS such as my 1040 and acceptance of get my money back from them which the IRS says they didn't even need because they should see where the money is coming from. Then they say after getting all the needed info they cant give me back my money because of loads in my account which I don't even know what that means. But apparently my 1040 should be enough along with proof of address and ID which I have sent them. But they still wont give me back my tax refund money which I need for rent and such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: NRA Group, LLC
State: MA
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:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
they are commiting fraud and refusing to do an investigation and improperly sharing information, listen to the recording. ssn was edited out as well as XXXX minutes of menu navigation and hold to get connected. 

they concluded their investigation without taking any appropriate investigative action

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 2023-08-14
Company: Experian Information Solutions 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:
Upon checking my credit report to purchase a home, I realized there were accounts, inquiries, and an address that were damages on my report. This is defamation of my character. I reached out to the credit bureaus multiple times and the errors were not fixed. I reached out to the creditors multiple times through mail and NEVER received a response. According to 15 U.S.C. 1681 law my rights have been violated. I NEVER gave written consent to report anything on my consumer report which violates my right as a federal protected consumer.

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 2023-04-11
Company: EQUIFAX, 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:
Recently, I did an investigation on my credit report and found unverifiable, invalidated, inaccurate, and questionable items that the companys didn't make sure was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, I find that untrue when there are several inaccuracies showing on my report. 
As a consumer, I request to know all the measures that were taken to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 
I have asked the credit berues for their results and they have failed to show proof or delete/update the items I personally told was inacurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The account shows account in collections. The account was paid in full over 1 year ago in the amount of {$1700.00} acct # XXXX it says deferred to 2021

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 2023-08-14
Company: Experian Information Solutions Inc.
State: NC
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 am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2023-09-14
Company: CITIBANK, N.A.
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I first requested in writing to close all my accounts on XX/XX/2023 because i moved to a state ( SC ) where Citibank does not have any branches. They closed the checking accounts but not the 2 XXXX XXXX accounts. I was told to submit another request in writing. I mailed it XX/XX/2023 but after that, only 1 of the accounts was closed. Every month since then, the 1 remaining open savings account incurs a {$25.00} service fee so i call customer service and they reverse the fee and they tell me the account will be closed next month. Today, XX/XX/2023, after the same scenario, I asked to escalate my case and I was with a supervisor who tried to connect to Retail Service Operations while I was on hold. After 1 hour 5 min, my call was picked up by a different agent and when i explained that i was placed on hold, she advised that i call back the regular customer service number. At this point, I need assistance in resolving this since the normal channels are unsuccessful.

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