BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My XXXX Account was hacked internally where my phone was highjacked when my SIM card number was changed on XX/XX/XXXX ( did not know at the time ) and a new phone line was added to my account without my permission. I got XXXX fraud warnings XXXX from Wells Fargo on XX/XX/XXXX and XXXX from XXXX XXXX Bank on XX/XX/XXXX. I am the only authorized user and only have XXXX debit card with Wells Fargo. I immediately answered XXXX and in error accepted as non fraudulent ( it was XXXX am and there were a number of charges. Upon review I immediately read the charges again and noticed XXXX that was for GAS ( no amount ) and realized that this was not an auto pay. I tried to Iogin into my Wells account and could not get my SMS text after 3 tries. After I logged in with my email getting the authorization code and found the charges were for XXXX at a Gas station in Florida. That is when I logged into XXXX and noticed a different phone next to my tele number and a XXXX line added. I immediately notified the fraud unit of Wells Fargo XX/XX/XXXX at approx. XXXX and was given a Claim Number and was told to destroy my card and a new card will be issued XXXX Days. The XXXX charge from XXXX on my XXXX XXXX Bank I sent back as Fraudulent ( {$2300.00} ) which originated in FL also. I Notified XXXX of the fraud and they reinstalled the correct SIM on both of my numbers and deleted the XXXX fraudulently added line. Wells sends me letter XXXX that they have denied my claim due to fact that card was tapped? I have NEVER tapped a card in my life, asked them to check my account and asked them to send me a store video of me in FL. They stated to me ( A female named XXXX ) that you can not hack the chip and I must of given my card to someone?? I have since read about the XXXX XXXX that occurred XX/XX/XXXX ( was never notified ) and internet posts on how a fraud can occur with a tapped transaction. Wells is sending me the documents ( who knows which ones ) but it appears they will recharge my account for the fraudulent charges. What does a consumer do?

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 2022-12-14
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 non-monetary relief
Consumer complaint received 2018-09-12
Company: Metro Collection Service Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was ordered to leave in 24 hours and break my lease at a rental property. Ileft and they are charging me XXXX. My rent was paid and the place was in good condition and now they won't give me a breakdown. there was no break lease fee or in the lease or rent payment due but yet they are charging me for it. I have tried to resolve this with them but had no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card
Sub-product: Store credit 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:
THEY SCAMMED ME OUT OF {$900.00} AND REFUSES TO REFUND ME FOR UNAUTHORIZED CHARGES! I DEMAND YALL REFUND ME OR I WILL SUE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company called repeatedly at inappropriate after hour times and left abusive voicemails on my answering machine threating to take legal action if I did not pay them. This company is also reporting inconsistent and unverified information on my credit report. I disputed this information directly with the company but I still hadn't received the original document from the original creditor. Also the names, date, and balance associated with this account is inconsistent and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was in the process of paying off other accounts that I needed to pay to secure a loan. In the process, I called the company that had an old account that was in the bankruptcy department in order for me to speak with this department I had to give my name and the representative on the line attempted to gather more information from me to search for other accounts after insisting that I speak with a supervisor and telling the woman I am calling for the bankruptcy department she had to transfer me. After that call, the same company went and just out of the blue put an old account on my credit report out of nowhere. When I called them and told them I had no knowledge of this account and I had never received a bill from them or never opened an account in 2020 I had no idea what this XXXX bill was. I told her that they must be trying to collect on a very old debt or it wasn't mine she said no I see your other accounts those we can not sue or collect from you on but this one.I am telling you we can. I ask her to send me proof of this account being mine and they never did. But they are still reporting against me just out of the blue. I tried disputing it with the credit agency but they just keep putting it back up there even tho the company still has not provided proof of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: WELLS FARGO & COMPANY
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:
I have been a victim of identity theft and a fraudulent accounts appears on my credit files. I have reported this account tot all necessary authorities and XXXX and XXXX are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.

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 2019-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
This complaint is in regards to innacurate information on my credit report involving all three credit bureaus. I disputed the information by mail and have delivery confirmation. I was then notified the information was verified as accurate. I then requested a method of verificationn with delivery confirmation and expected a response with in 15 days. I have recieved a copy of my current credit report with either no changes or only some changes in most cases the changes weren't even relevant to my dispute. There however has been no method of verification whatsoever.

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 2020-09-11
Company: Experian Information Solutions 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 applied for a forbearance due to COVID-19. XXXX XXXX   reported to all three credit bureaus the three months forbearance as late payments instead of affected by natural disaster. 
Ive tried disputing four times and Ive called corporate office and customer service more than ten times and the issues has still NOT been resolved. 

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 non-monetary relief
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove the items that are UNKNOWN to me. Ive already included them in my previous Complaint & I am including them again., Please investigate these items that are misleading : 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 non-monetary relief
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: IL
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 Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these 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 XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$10000.00} This complaint shall be my follow-up to make sure that the listed accounts are verified and repaired.

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 2019-09-25
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2019 my house closed. One of the provisions was to pay off certain notes with various lending institutions. One was a credit card at U. S. Bank XXXX. Unfortunately the title company gave U.S. Bank information on a loan rather than the credit card as directed by a Court Order ( XXXX County NO XXXX, XXXX ) thus creating an error. 
U. S. Bank has been requested numerous times to reverse their action and pay off the credit card with the loan amount and reinstitute the loan, however they refuse! It has been almost 4  months ; their actions have blocked me from obtaining a place to live. Created a negative impact on my treating XXXX XXXX by not having steady place to live, create a routine so I am able to neither cook a special diet nor maintain a healthy living environment. They instead of paying it off per court order have sent it to collection and adversely affected my credit. 
I had planned to move my Tax office to my new home however the office stuff gathers dust in a storage unit and I try to maintain contact thru the internet. I have no office! 
As a XXXX Veteran with XXXX  XXXX wanting to spend what is left of his life in peace and tranquility I have ended up living out of the back of my van, motels and an apartment while my personal & business items are in three storage lockers. 
I have no king size bed but instead a recliner. 
All this because U.S. Bank refuses to correct an accounting error and just ignores it hoping as a XXXX Veteran with XXXX   XXXX  just dies and goes away.

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 2022-10-13
Company: Experian Information Solutions 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:
STUDENT LOAN ACCOUNT WITH XXXX ACCOUNT NUMBER XXXX WAS OPENED IN THE YEAR XXXX, 22 YEARS AGO NOT BY ME I HAVE SENT NUMEROUS DOCUMENTS INTO EXPERIAN, AND XXXX, ITS NOW XXXX AND THESE CREDIT REPORTING AGENCIES ARE STILL REPORTING INCORRECT INFORMATION ... THE FOLLOWING DOLLAR AMOUNTS ARE BEING REPORTED {$2600.00}, {$1000.00}, {$1400.00} {$1400.00} {$820.00} {$2200.00}

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 2023-02-27
Company: EQUIFAX, 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:
In accordance with Fair Credit Reporting Act XXXX  Account XXXX ( original creditor XXXX XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX  ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 A States I have the right to privacy. 15 USC 1681 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Due to the fact that my Identity was stolen a fraudulent account was opened up. I have a police and FTC report in regards to being a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National Recovery Agency for the amount of {$2200.00}. I have sent National Recovery Agency a debt validation several times with no response. This item does not belong to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30
Company: Self Financial Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Back in XXXX of 2020 I, XXXX XXXX called in and closed my self lender account and credit card. Self lender took my XXXX deposit to cover my balance they said I owed. A week later self attempted to take XXXX from my account which I stopped with my bank. Since closing of the account Self Lender has continuously reported my credit card as over the limit which have damaged my scores and prevented me from refinancing my home during this pandemic. I have called SelfLender numerous of times to get this problem handed and have gotten the run around each time. The latest time being XX/XX/2020. They have not only damaged my scores but also my husband scores as well. This is very much illegal and something needs to be done! We have not signed up for new accounts and do not owe self lender any money in fact they owe us money that we never received and have not made a issue about but the damaging of our scores is unacceptable!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Two Visa prepaid debit cards were purchased for my personal use. Both cards were purchased at referenced location at the referenced incident start time. XXXX purchase, the cards remained unopened at my residence until XX/XX/2021 at or around XXXX PM. At or around the referenced incident end time, both cards had unauthorized purchases made on them for the amount of {$490.00}. The description / information of the charge is " XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ''. This indicates that the location of the charges were at : XXXX 's XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX The location is a supermarket/grocery store that sells among other things money orders and gift cards. The unauthorized charges were approved at the checkout point by Visa/the issuing bank. Each card had {$490.00} debited from the initial card account balance of {$500.00}, leaving the card account balance at {$0.00}. At or around XXXX on XX/XX/2021, the unauthorized charges were noticed by me and reported to the issuing bank for dispute. As of police report submission date, no response on the dispute is available. The issuing bank indicated that the XXXX fraudulent charges were made in- person, indicating that the magnetic stripe data of the XXXX cards was presented to the " XXXX XXXX '' merchant. 

I have already contacted Incomm on XX/XX/2021 and reported the fraud to them, but they have not updated my cases since they received my reports. 

Per the Electronic Fund Transfer Act, Section 205.11 ( c ), Incomm has a deadline of 20 days to provide at least a partial resolution, which has not been done. So they have missed the deadline. Ive emailed them repeatedly and received no further response. Ive tried calling them and they tell me there is no further updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: EQUIFAX, INC.
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:
Tried to log in on my XXXX account, did not remember current password, then blocked from account, told there was a collection notice submitted by equifax, by unidentified complaintant. Tried to contact equifax but told had to call a number. I hate talking over the phone when the issue is unclear and personal mumble so bad I can not understand them. That is why I ask for a written copy, verified with full disclosure.If they have a complaint, I demand a certified, verified and notarized copy of complaint signed under penalty of perjury by preparer. Never received a written complaint by mail from any source.Equifax and XXXX both violating my rights. I DEMAND FULL DISCLOSURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: OneMain Finance Corporation
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have filed a prior complaint through CFPB where in response they acknowledged that I told them not to call me on my work phone, but now they have called me twice since then at my office phone. On XX/XX/23 at XXXX I missed a call from them on my work phone. On XX/XX/23 at XXXX they called again and I answered and told them that I have already instructed them to not call me on my work phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX Reported : XXXX. XXXX, 2019 {$230.00} XXXX XXXX Reported : XXXX. XXXX, 2019 {$130.00} There are no contracts, no valid claim ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

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