BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/20 while checking my bank account, I noticed a charge that I did not authorize. There had been the same charges attempted twice in XXXX, but Wells Fargo blocked the attempted charges and alerted me and there was no adverse action against my account. However, on this occasion Wells Fargo honored the charge which left my account with a negative balance for the amount that was honored by Wells Fargo. I filed a dispute with Wells Fargo for the transaction in question. But there were other charges for bills that I authorized that were processed before the fraudulent transaction. I have a linked savings and checking account with Wells Fargo. Although I was reluctant to deposit any funds into my checking account, due to the outstanding fraudulent charge, I deposited an amount that would cover the 2 charges that I did authorize to cover those transactions. Additionally, I deposited a large amount into my savings account expecting that Wells Fargo would reverse the fraudulent charge by the end of the business day. Wells Fargo 's policy regarding linked accounts is that they will cover charges from checking account overages with funds in a linked existing savings account. However, there was no need to enact this policy for my account because around XXXX XXXX on the same date ( XX/XX/20 ) I transferred a large amount from my savings account into my checking account even though the fraudulent charge still appeared, and the issue was not resolved. I did this because I was expecting other bills that I had paid to be presented for processing. On XX/XX/20, my account was charged 2 separate fees of {$35.00} each, totaling {$70.00}. Wells Fargo 's explanation for the assessment of these fees was for insufficient funds in my account when the 2 charges I authorized to be paid were not paid due to the fraudulent charge being honored before those. I feel this is an unfair and predatory banking practice in order to generate revenue for Wells Fargo. Wells Fargo selectively paid and processed this charge to assess fees.

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 2017-10-19
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Is it lawful to be used as collatereal damage? 

My loan were originally serviced by XXXX XXXX XXXX and then serviced by company XXXX ; now this third transfer in 3 years and this company XXXX XXXX! 
Documents are lost and payments never applied to my loan ... 
The loan amount was XXXX in XXXX XXXX Now XXXX years later XXXX XXXX states I owe them XXXX estimate.to resolve this loan and to retain my property. 
I was in bankruptcy for 5 years and XXXX XXXX was XXXX and I paid payments through the Bankruptcy XXXX and did not miss a payment! 
These are unlawful fees and fabricated fees used as collateral ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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:
My ex-husband and I purchased a home in 2001. Shortly after, we divorced. In the divorce, he was granted the home, and assumed all debt related to said property. I have submitted court documentation to the mortgage company multiple times, yet they continue to report this debt as mine. I am now in the process of trying to purchase a home for myself, and am practically unable to do so because this account is being reported on my credit report as a delinquent debt, and as a large debt that is artificially inflating my debt/income ratio.

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 2020-02-25
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:
I called XXXX XXXX XXXX XXXX in XXXX about modifying my loan. The modification was approved and I was told to make a payment by XX/XX/2020. I made the payment on XX/XX/2020. The representative that approved my modification made no comment or indication about credit reporting during the call. As of XX/XX/2020, XXXX XXXX reported my auto account 30 days past due. This was never explained to me over the phone about any credit reporting or late payment, otherwise I would have made the payment sooner. I am requesting that the credit report be updated to reflect current status. I have never been late on my auto payment and this was clearly not explained to me during the modification by the agent. I have called XXXX XXXX a few times to try and resolve this matter and nobody seems to care to get my credit report corrected.

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 2020-02-25
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: Information belongs to someone else

Complaint:
My credit report is showing accounts that are not mine, I have investigate and it says that the first step to report identity theft is to file this report, the accounts that are not mine are in this report. 
Please remove these account and send me an updated copy of my credit report for inspection.

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 2020-08-01
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC won't let me authenticate my account through third party linking services such as XXXX. This makes it impossible for me to conduct transactions in a timely manner in this day and age.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
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:
Equifax and XXXX have responded to me that they have verified the bankruptcy XXXX. 
The bankruptcy XXXX has been removed from the XXXX XXXX database. XXXX XXXX reports the bankruptcy and verifies that it has been removed. 
Equifax and XXXX verified the bankruptcy in error or did not bother to verify at all. 
It has been removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: CITIBANK, N.A.
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibank offered {$700.00} bonus for {$50000.00} transfer. On XX/XX/XXXX I opened a Citibank account. On XX/XX/XXXX I sent the {$50000.00} to Citibank. On XX/XX/XXXX Citibank closed my account and froze my funds. They cited that my external bank where I transfered funds from said I was not the owner. I verified with my external bank that the transaction was valid and there were no problems. They said I could show my account statement as proof.

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: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX did not follow California Law where a consumer is given the opportunity to dispute a debt. There is now a Collection Status on my credit report, negatively affecting my credit score. In XX/XX/XXXX& XX/XX/XXXX, the account was under investigation with XXXX, but the results were considered 'Verified As Accurate ' after the second dispute.

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 2017-07-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
During the month of XXXX I was alerted that someone was making charges on my account. The charges were made in a multitude from places outside of the United States. Some charges were with companies that I do business with and I was asked to look over my entire account. A couple charges were made through XXXX, one for {$9.00} and another for XXXX. My monthly charge for XXXX is XXXX and has been for a very long time. I answered the questions asked of Chase and assured them the XXXX and XXXX were not my charges. The monies were returned to my account. On XX/XX/2017, Chase withdrew XXXX from my account stating it was a claim reversal. I contacted Chase and was told that since I had an account with XXXX it appeared the charge was mine. I was taken back as I had previously been through claims, and there was absolutely no justification for reversing the claim based on my standard monthly charge. I have maintained my XXXX account and have always paid {$9.00} on the same date and the same amount. I then spent nearly an hour speaking with various Chase associates one who told me he could completely understand what happened and believed the reversal was a mistake. To date Chase has not returned the funds nor contacted me. I did not authorize, purchase, and absolutely was a victim of fraud. How the person obtained my Chase information is beyond me. {$9.00} is not going to break me, but it is my money, and Chase had absolutely no reason to take the money from my account. Chase 's logic and actions makes me worry and for the first time since I have been with the compay, afraid of the effects fraudulent activity will affect me. I

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-28
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have already filed one official complaint through the state of IL Attorney General office regarding a student loan debt collection. They continue to call me at work on the business phone line. The line they call is a business only line. What must be done to stop them from harassing me at work? Can you direct me to a legal channel because filing complaints has not worked. This has been going on for over two years. The last call I received was from XXXX from Transworld Systems. The person calling was XXXX XXXX. The call was at XXXX. on XXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX handed all my data over to an unknown third- party ( hackers ) ... .the want me to enroll in some monitoring service but what safeguards to that being compromised? What I want is access to my CREDIT SCORE 24/7 ... if hackers get it for free I want it for free to ... that info belongs to me and they will still make money selling that info to others -- -but it is me -- -my info ... .I was never asked if I wanted them to collect share or sell it ....

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim to identity theft, as I dig d not approve any information to be used in my name. I am requesting that the fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Theft Affidavit in regard to this incident. I have listed the additional fraudulent accounts below : XXXX XXXX XXXX : Account # : XXXX XX/XX/XXXX, Amount : {$170.00} XXXX XXXX XXXX : Account # : XXXX XX/XX/XXXX, Amount : {$2700.00}

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 non-monetary relief
Consumer complaint received 2020-02-25
Company: LoanCare, LLC
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 information incorrect

Complaint:
Hello Loan care and XXXX XXXX has incorrect information on my account that must be deleted. They have the wrong address. I need this validated. My family is suffering. Please have this company remove this account from my report. I dont understand why this is on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Santander Consumer USA Holdings Inc.
State: OH
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 had a vehicle repo in XX/XX/XXXX, I had to pay a large payment and fees to get my truck back which I did within 24hrs, XXXX XXXX will not fix my payment history which on the credit bureau shows 12 more late payments than it should be, my history should be good since XX/XX/XXXX but it shows XX/XX/XXXX, I received a payment history as requested by mail from XXXX XXXX but they wont fix the issue with the credit bureaus so I filed a dispute with each bureau and it has never been fixed, it is a joint loan so this has affected mine and my wifes payment history, the only thing that happened with my dispute is that XXXX XXXX deleted the account on my side which lowered my score because of aged credit history but its still on my wifes credit report with the wrong payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Synovus Bank
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account was closed last year. I sent a letter and money order to CEO, for account deletion. On XX/XX/XXXX I pulled my credit report and saw that I had a balance left with XXXX XXXX XXXX in the amount of {$160.00} which was what reflected on my credit report. On XX/XX/XXXX I contacted XXXX XXXX XXXX and spoke with XXXX whom informed me that any correspondence would need to go to the Office of Compliance at XXXX. XXXX XXXX, XXXX XXXX, TN with attention to the Office of the CEO. I wrote a three paged letter explaining the reasoning as to why I fell behind, and asked that if the account was paid in full according to what is being reported with the credit bureaus that the account be deleted from all three burueas. I also wrote directly on the money order number XXXX that in cashing this money order you consider this account paid in full and agree to remove the account from all three credit bureaus ( XXXX, XXXX, XXXX ). As of today XX/XX/XXXX I contacted First Progress as to the status of the agreement and was informed by XXXX and XXXX XXXX that my payment was accepted and processed on XX/XX/XXXX. However, the company did not remove the account and on XX/XX/XXXX at XXXX XXXX reported the account to my credit as negative, with a XXXX balance. I am requesting that the company comply with the agreement that was set forth in the letter and on the money order that they processed and delete the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, I do NOT accept the fact that I am continually given the run around regarding my credit report! I have verified my identity several times regarding this matter ; I have called and emailed every company that I was advised to do but nothing has been done. I have not authorized Equifax Mortgage Services to run my credit! Equifax mortgage services has distributed my report with out my knowledge & consent on these dates! XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I did not give this permission! I do not accept the previous response sent by the company on XX/XX/XXXX! I want these inquiries off!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: KY
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 sent in 3 letters regarding my credit report to each bureau. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile and noticed a lot of information on my report that is just not accurate at all ( names listed, accounts, addresses ) that I've never lived at. I've called several times to dispute the wrong information being reported and I either get disconnected or no real answer. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been over 3 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. These accounts need to be updated ASAP because I am looking to make a purchase and the false information on my report is unfair and I've already explained to XXXX and XXXX  that my personal information has already been used before and that I keep getting notified that I am involved in a breach. Please help me figure this out, I'm out of options and frustrated that its been over 3 almost months now.

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 2017-07-05
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:
For the past 6 months i have tried to have a fraudulent account removed from my Equifax credit report. I have even provided them with my certified police report as well as the business card of the  officer  that took the report and the person in the records office that provided me the police report when i wen to pick it up ... .. that said they have failed to remove the account.

Company response to consumer: Closed with explanation