BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a phone call at XXXX XXXX  PT on XX/XX/XXXX. My phone showed the call to be from Wells Fargo Bank ( XXXX ). The individual identified himself as an employee of the fraud department at Wells Fargo bank ( where I have my checking and savings accounts ) and that he was calling to alert me of a possible fraudulent transaction of a XXXX transfer of funds out of my savings account. He identified that the funds had been sent to 'XXXX  ' at XXXX XXXX. He questioned me about whether I had initiated various transactions form my bank accounts, showing that he had accessed my banking accounts at Wells Fargo. He never asked, nor did I volunteer, any personal information. He provided a name ( bogus ) and an employee ID number ( also fraudulent ). 
He indicated that the way to restore my funds was to do a reverse XXXX transfer back into my account. Over the next XXXX minutes, he walked me through the process to 'restore my funds ' -- this involved setting up a XXXX transfer with me as a recipient through my email address. At the end of the call, he stated that the funds were now back in my account and he thanked me for being a loyal Wells Fargo customer over the past 30 years ( only something he would know by accessing my accounts ). .He told me that he would call me back the next morning to assist me in changing my ID and password to protect my accounts. 
When he did not call me, I contacted Wells Fargo and learned that there was no employee under the name and ID number that the scammer had provided and also learned that the {$3000.00} had actually been transferred out of my savings account to XXXX XXXX where I believe that the scammer had an account. I have two claims open at Wells Fargo bank as of XXXX XXXX. To date, there has been no investigation initiated by them in response to my claims, no temporary credit provided for my {$3000.00} loss. Every time I call the bank, I receive conflicting information. On XX/XX/XXXX I was told that my claim was expedited up to the executive level due to the nature of the fraud alleged by me, but today I was told that was not the case since there has been no assignment of a case manager and absolutely no investigation started. I spend 2-3 hours a day speaking to various Wells Fargo employees who are rude, incompetent and useless in assisting me to get my stolen funds returned. 
I believe that this theft was committed by a current or former Wells Fargo employee with access to my bank accounts. I desperately need the funds that were stolen from me. Please help.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: CA
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:
This was the remaining items that I need to DELETE from my credit reports. Yet none, of the credit bureaus do the job well. And I was hoping that they will remove them like the way they did with my previous first request, however, they didn't and I am trluy hoping that the XXXX will REMOVE this account the way the bureau did, but no. Now, I'll sincerely ask the Credit Bureaus to once more please help me in removing FRAUDULENT ITEMS from my credit reports. Please see the items below : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Balance : 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 2019-12-12
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: Account status incorrect

Complaint:
the attached letter is regarding a XXXX  XXXX XXXX auto loan account i have and making payments on on time with out any delinquencies, the creditor XXXX  XXXX XXXX has reported an inaccurate late payment delinquency for the XXXX of 2019. 
please find attached the letter that after discussing this with them they have changed their decision and made update on the account, but the bureaus such as experian, XXXX  and XXXX are not updating their reports, please help to have this inaccuracy updated from the reporting agencies 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 2018-03-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am a XXXX XXXX, XXXX XXXX military member who was XXXX 6 months ago. I received XXXX XXXX as a result. USAA Federal Savings Bank is causing direct and possibly irreparable harm to my credit worthiness through predatory lending practices. USAA closed my credit account after reciving my ( {$3000.00} ) payment with no notice. USAA received regular payments as per normal credit card use and this was a voluntary payment made to them beyond my normal payment. Apparently, while I was in the XXXX XXXX clinic, one payment was a few hours late. I was sent a letter on XX/XX/2018 informing me that they were closing my account. When I called the stated reason I was late on a payment and that I had an account balance change ( I.e I payed it off ). I totally agree that USAA has the right to lend to who they want. The harm comes in that, as they closed the account and lowered my available credit, they have damaged my credit worthiness, even when I pay 50 % of all my outstanding debt in a single month. I have payed them significant sums of money, as agreed. In response, they take your repayment and close your account, but the. Damage my credit, because I paid them more than the agreement. It sickens me that they will destroy the credit of a XXXX XXXX   veteran who is going through a XXXX XXXX XXXX to be XXXX XXXX, because I paid them back. They closed my account ( damaged credit worthiness ) because they couldnt drag any more interest off a XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: JPMORGAN CHASE & CO.
State: TX
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:
On XX/XX/XXXX, and again on XX/XX/XXXX, I wrote letters from my location at the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX to JPMCB ( see attached two letters ), requesting copies of my statements for XXXX, as I had been XXXX  since XX/XX/XXXX and upon reviewing my Credit Report, I discovered past due amounts that could only be by fraudulent purchases that I did not make, as I was XXXX. JPMCB never sent me the requested Credit Card Statements for my review and therefore, I was not allowed an opportunity to review these charges and dispute, accordingly. JPMCB did not reply to my request for account statements within the 30 days required for a response, on either request of XX/XX/XXXX, or XX/XX/XXXX, therefore they have not acted within the requirements under the FAIR CREDIT REPORTING ACT ( FCRA ), and are therefore in violation of the FCRA. JPMCB only sent a XX/XX/XXXX letter saying that everything that they reported to the Credit Bureaus was correct, there was no statements sent to me by them during this time. Also, please note that I promptly notified the FBI and informed them of these crimes and others committed against me within the attached letter to Special Agent XXXX XXXX of the XXXX XXXX XXXX XXXX in XXXX, New Mexico on XX/XX/XXXX. Additionally, I have attached the New Mexico First Judicial Civil Court filings against those who perpetrated completed financial and identity theft and fraud against my person, while I was XXXX in a Federal XXXX in XXXX, LA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX is not responding to release of a second mortgage they wrote off in 2011. When approached about the issue HSBC incorrectly a release for the senor mortgage and wrote a cover letter apologizing for any inconvenience. HSBC will not respond to me or XXXX XXXX in correcting their error to file the correct release. HSBC has given us no choice but to file this complaint. We have tried everything and HSBC is delaying the transfer of the property at a high financial cost to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Thank you very much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Thank you very much for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-03-01
Company: EQUIFAX, INC.
State: VA
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:
Hello, my name is XXXX XXXX XXXX and I am re submitting this complaint after being informed I needed to add my social security card. it has been a battle going thru this and I am writing to deleting the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Consumer Portfolio Services, 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I got an e-mail from Paypal that there was in invoice for a payment, but it is fraudulent. This remains as pending and Paypal will not remove it. I have not authorized payment and have not been charged but the invoice can not be removed. Now I want to close my Paypal account and Paypal says I can not with pending payment still there. There customer service is completely useless. The {$400.00} and {$600.00} pending invoices are fraudulent. Paypal allows fraudulent invoice to remain and if you accidentally authorize payment you have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
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: Investigation took more than 30 days

Complaint:
Regarding Equifax Bureau On XX/XX/2021 I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that Equifax has on file ; and on XX/XX/2021 I sent Equifax a demand to comply with my initial notice dated XX/XX/2021. As of today I have not received the proof I requested. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Their failure to positively verify the accounts mentioned in my XX/XX/2021 609 notice has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: CURO Intermediate Holdings
State: TN
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:
I 've learned that I 'm a victim of identity theft. I had a loan with The Money Store while I was under wage earner. I learned the loan was refinanced while I was on XXXX. On XX/X/2004 is the date the loan was refinanced. The new company is XXXX XXXX XXXX. IRS brought this to my attention. I pulled my transcripts from IRS, I 've had a meeting with IRS. I need the mortgage interest papers for tax purposes. I also need the information showing my information was refinanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Bread Financial Holdings, Inc.
State: IN
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:
I paid my card off on XX/XX/2022 in the amount of {$780.00}. Comenity added interest after my card was paid in full. I assumed that the card was paid off and never looked online at the account. They have added late fees and additional interest since XXXX. They just contacted us recently about the balance. Now they are saying there is a balance of {$270.00} on the card and they have been reporting it as late to the credit bureaus. 
XX/XX/2022 Interest Charge on Purchases {$5.00} XX/XX/2022 LATE FEE {$41.00} XX/XX/2022 Interest Charge on Purchases {$4.00} XX/XX/2022 LATE FEE {$41.00} XX/XX/2022 Interest Charge on Purchases {$3.00} XX/XX/2022 LATE FEE {$41.00} XX/XX/2022 Interest Charge on Purchases {$2.00} XX/XX/2022 LATE FEE {$41.00} XX/XX/2022 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2022 LATE FEE {$40.00} XX/XX/2022 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2022 LATE FEE {$27.00} XX/XX/2022 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2022 LATE FEE {$12.00} XX/XX/2022 FINANCE CHARGE {$11.00} XX/XX/2022 FINANCE CHARGE {$1.00} XX/XX/2022 PAYMENT - THANK YOU {$780.00} XX/XX/2022 FINANCE CHARGE {$14.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Your help is needed as I have been locked out of my XXXX card profile for address changes since XX/XX/XXXX to ensure the address is matching my account. I was mislead that the address they had on file was XXXX XXXX XXXX, XXXX NY XXXX. I contacted Experian, XXXX and XXXX of the invalid address on my profile and is not a correct location. Experian has now alerted me that XXXX has been sending the invalid address : XXXX XXXX XXXX XXXX XXXX GA XXXX to my file and not XXXX XXXX XXXX XXXX NY XXXX. I called and spoke to XXXX XX/XX/XXXX who stated she was in another country and was not understanding how addresses listed and struggled to assist with no avail. She placed me on hold several times verified a previous address for security purposes. XXXX then disconnected the call while i waited on hold for XXXX min XXXX sec. XXXX also responded " with a weird expression when I advised her the call would be recorded for quality assurance from my end. XXXX has consistently treated me in a prejudice manner. I have been stressed of the invalid information. I advised I only have one location that I need mail to be sent which is XXXX XXXX XXXX XXXX # XXXX XXXX GA XXXX. Despite, XXXX XXXX XXXX has valid history of my records and address, they have been updating the 3 CRAs with wrong address. XXXX has mislead me to believe the address on file was XXXX XXXX XXXX XXXX NY XXXX. XXXX mislead me that the only address being reported to Experian, XXXX, XXXX is XXXX XXXX XXXX, XXXX NY XXXX. XXXX has lock the profile to prevent address updates. XXXX has failed to have my name correct in their profile. My only name is XXXX XXXX as per SSN attached. 
How can they be mailing my personal information to a wrong address? My rights as a consumer has been violated with all the misrepresentations and prejudicial treatment. 
2ND : XXXX HAS DECREASED MY CREDIT LINE WITH NO adverse action notice despite my XXXX score was at XXXX this only happened after I file a dispute in the message center on XX/XX/XXXX I was then treated unfairly with a reduction to my credit line. To date, I have not received any correspondence to substantiate XXXX actions.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: FL
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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Over the last few months I have been trying to get my credit work done between the three credit bureaus XXXX Trans Union and XXXX they have failed to honor and repair my credit I have a notice that shows and if you read it it will tell you according to the fair credit report section XXXX you are required by law federal law to verify through physical verification of the original signature and they do not do that they Get online and wait for the creditor to respond no written signature from me and then they say that the credit is mine they to 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 2017-11-09
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:
After months of requests to XXXX XXXX, they still have not provided any validation that the account is mine. More importantly, that I should pay THEM. I have requested simply validation for months, but all they said was it 's verified. And with that, I inquired as to how they verified it, with whom, and they never provided any documentation to show verification/validation.

Company response to consumer: Closed with explanation