BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been unable to monitor my bank accounts properly for about a month due to hospitalization after car accident. During this time I am not sure who had access to my cards or phone. Upon coming home I noticed that both of my bank accounts had activity in the past month that were not just recurrent payments. I filed a claim with Wells Fargo for transactions from XXXX, stating that my last known transaction was from XXXX from XXXX for an amount of {$10.00}. These small transactions over the month totaled to around {$600.00}. Wells Fargo has denied my claim and I have talked to multiple representatives who all have different reasonings for why it was denied, all of which do not makes sense. One claim totaled XXXX transactions with a total of {$510.00}, another of XXXX transactions of {$120.00}, and a final one of XXXX transactions of {$130.00}. The representatives were rude and disrespectful. I have spoken to all merchants involved who say I need to speak with my bank and that my account with them was hacked. Wells Fargo responded to my previous complaint with the same exact response, which is not a response. " we found compelling evidence supporting the decision that was already communicated to you. We agree with the decision made by the Claims Assistance Center to deny your claim as we found the charges were made by you and no bank or processing error occurred. At this time, we respectfully decline your request for reimbursement. Please consider this claim closed '' Again they do not state the " compelling evidence '' and I'm confused about how a bedridden individual in a different state made these transactions? So I will not be considering this case closed, and I will be taking this to a lawyer if I have to, and continuing to file complaints with the CFPB. They then tried again to call me at almost XXXX XXXX  at XXXX  one evening. Their feedback back was not helpful, and they know that no police station will take me seriously if I walk in. Wells Fargo is losing a customer for sure because I will never trust them with my money again.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.

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 2023-06-30
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:
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 Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
At XXXX on XX/XX/XXXX I received a phone call and the caller ID said Wells Fargo XXXX which is who I bank with so I answered. The phone number that called me was XXXX, which belongs to the Wells Fargo customer service line. When I answered it was an automated voice asking me if I had made a large transfer. The automated voice said that I received a text and to verify my identity with the XXXX digit code that was texted to me. I received a text from the number XXXX. The code was XXXX. Once I inputted the code the automated voice asked me to press 1 if I did not authorize a large transfer today. I pressed 1 and then the automated voice said that that was all they needed and that they would contact me if anything else was needed and the call ended. I then received a phone call from the Wells Fargo at XXXX the same day XX/XX/XXXX from the fraud detection department informing me that there was a wire transfer in the amount of {$16000.00} leaving from my Wells Fargo savings account # XXXX. The representative said that the wire went to a XXXX XXXX XXXX  account belonging to a XXXX XXXX. I do not know this person. I explained that I did not authorize this wire so the representative recalled the wire. The claim number is XXXX. Over the course of the past 2 weeks I have been calling every day for an update as I hadnt received my money back, and there was not an update provided. On a couple of occasions when I called, I was asked to re-tell the story of what occurred. I called today XX/XX/2022 and was notified that my claim had been denied and that there was nothing that they can do. I did not authorize this transaction, I am a victim of fraud and Wells Fargo did nothing about it. I need my money back as this fraudulent activity has put my family in financial distress and Wells Fargo did nothing.

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 2021-05-03
Company: Experian Information Solutions Inc.
State: FL
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 CHECKED MY CREDIY REPORT AND I SENT LETTER ON XX/XX/2021 ABOUT INACCURATE INFORMATION THAT WAS ON MY REPORTS. I REACHED OUT TO XXXX, EXPERIAN AND XXXX. AS WELL AS TOO ALL CREDITOR AND I HAVE YET TO RECIEVE AN INFORMATION ABOUT MY DISPUTE. I TRIED TO PUT IN MORE INFORMATION IN PAGE 4 BUT IT DI NOT ALLOW ME.

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 2023-12-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23, I made a few deposits via the Bank of America mobile banking app. One deposit was for {$150.00}. I received notice that it was not legible and had been charged back to my account. I tried again to deposit it remotely. It never turned up. On XX/XX/23, my account reflected that the bank withdrew {$150.00}, two dollars less than this deposit. I dont know whether this withdrawal was related to the {$150.00} attempted deposit. 

On XX/XX/23, I deposited a different check in the amount of {$160.00} remotely. The bank canceled the deposit on XX/XX/23. On XX/XX/23, I physically went to the closest branch. I handed the check and deposit information to the manager of the branch, XXXX. I left the bank, but I never saw it credited so I called BOA. I was told that the check was never deposited. Now, BOA tells me that I have to get a replacement check. The vendor on the check will not confirm whether it has been negotiated and refuses to issue another check. It doesnt believe me. 

Im in the same position with the {$150.00} check. 

A couple of months ago, I deposited several checks into the BOA ATM on its branchs grounds. The deposit totaled over {$1000.00}. I hadnt kept a record of the checks, the vendor or the amount. I was unable to recollect less than {$100.00}. The bank manager, XXXX again, told me that the bank has nothing to do with the ATM machines. Further, that they had no ability to contact the owner of the machine. I tried to contact the company I thought was the owner but got no answer.

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 2020-01-06
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my city and county taxes came due. XXXX XXXX said they sent out both however the city taxes to todays date of XX/XX/XXXX have not been paid. I have notified them twice on their online communications system and have not received a communications back. First and foremost they didn't even send the correct amount on top of all of this they gave me a refund early last year on my escrow when they shouldn't have done so. This company is horrible and should be closed down. They have now cost me {$81.00}.

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 2018-01-16
Company: EQUIFAX, INC.
State: NC
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:
In late XX/XX/XXXX, I checked my credit score through XXXX XXXX, which I do twice monthly. I found a negative mark on my Equifax report, a recent Chapter XXXX, dated XX/XX/XXXX. This is not mine, my son who is my junior did in fact file a chapter XXXX. I called and filed a dispute via phone with XXXX XXXX and XXXX that there was a problem and still as of today XX/XX/XXXX. that negative mark is still on my report and causing financial stress and harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
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:
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved.

from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: DriveTime
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
DT Credit You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Experian Information Solutions Inc.
State: NM
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:
They are reporting old addresses that I no longer live at and I have provided them the correct address, but they claim it is not correct per the us postal service. I receive mail everyday and their correspondence from my complaint letters. I want them to post my current address and remove all others from my file as they can not be verified any more as I no longer live there or receive mail there, they are enabling identity 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 2023-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
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 was contacted by portfolio recovery associates LLC regarding a balance owed on XXXX {$2300.00} this was removed off my credit under XXXX  XXXX and they purchased the account I advised I have a police report and identity theft report and they advised they are adding this to my credit report today this is against the fair credit act and this is not accurate I was a victim of identity theft this account is from XXXX or XXXX previously was removed from my credit reports now sold to this collection agency this is also reported on an federal trade commission report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Convergent Resources, 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:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my XXXX XXXX. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

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 2018-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Capital One Venture card was permanently restricted back in XXXX after missed payments. I had previously explained to Capital One that the missed payments were a result of my ex and my divorce and I was attempting to rectify, but they restricted my card per their terms and agreements and I am only able to make payments on the balance. 

On XXXX XXXX, XXXX, I was changed an annual membership fee of {$59.00} for the card. I have attempted to dispute this fee because I should not be changed a membership fee for a card that I can not user per Capital One. They are essentially charging me {$59.00} to make payments on a card THEY cancelled with an active balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
The balance of my student loan has been paid from XXXX of 2012 to XXXX 2015 of a total of {$23000.00}. 

In XXXX and XXXX of 2015 the payments were late and shows on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Colony Brands, 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:
On XXXX I called my credit company to file a dispute regarding my account they put 3 late payments on my account. I have never used the credit company again after I didnt receive my order. I made an order and I never received it I ordered 2 items they said they canceled both of them. I received a bill so I called and they told me that only one was refunded it was their mistake that they would fix it and remove the late payment. They never removed the late payment remarks now its on my credit report as late payment and its effecting it.when i called on XXXX I spoke with the credit card company and they verified I was never late that it would be fixed snd my dispute came back and nothing was fixed the company is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
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: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2022-12-09
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 fraud alerts or security freezes

Complaint:
I've sent in documentation to remove fraud alert

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 2022-12-09
Company: American Credit Acceptance, LLC
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: Information belongs to someone else

Complaint:
On XX/XX/2022 I became aware of a fraudulent hard inquiry on my XXXX Credit report from American Credit Acceptance. I called American Credit and informed them that I had not applied for credit. I filed an FTC identity theft report and a police report with local law enforcement. On XX/XX/2022 I mailed via certified mail copies of the FTC and Police report and a letter stating that I was a victim of identity theft and that the inquiry on my credit report from American Credit was not valid. American credit received these documents on XX/XX/2022. American credit responded that they would not remove the inquiry in clear violation of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-26
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
My phone was hacked and all of my credit card information and bank accounts were being used from a unknown burner of some sorts and the bank has helped me to find out what was going on because every month since the initial hack XX/XX/2019  I am having my XXXX pay withdrawals I have changed cards and had all cards in my possession as they are still charging me and I have called every single credit account I have and reported that I have not received the new cards that they have sent out after telling me to destroy my old cards and I can not understand how I am still charging HUGE AMOUNTS OF ITEMS AND I DONT HAVE ANY REPLACEMENT CARDS. I am only having a problem with 2/3 accounts but my bank and some of my longest accounts have deemed it fraud bank included! Sorry I am not mobile because Im a XXXX veteran so Im sorry I am not mobile to even get to all the places I am being charged for! So Im going to need you to re examine your determinations because these are not even my spending habits and my credit is really suffering from this issue and I just purchased a home last XXXX so I am POSITIVE THAT MY CREDIT ACCOUNT IS NOT RIGHT DUE TO FRAUD AND I AM NOT GON NA LET THIS INCONVENIENCE DESTROY THE CREDIT I HAVE WORKED HARD TO REBUILD! I will be awaiting further feedback from you on this matter because my bank has had to refund my check since XX/XX/2019 and I NEED HELP GETTING MY CREDIT BACK ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation