BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
on XX/XX/XXXX received a stipend check from the University I attend in the form of a Pell Grant. I brought it to Wells Fargo branch in XXXX XXXX Florida. My original intention was to cash the check however they wanted to hold it for 2 to 3 days and not allow me access to any of the funds until it was processed. I told the bank teller not to process the check and to give me the check back so I could bring it somewhere else. The bank teller showed me the computer screen that it said stop payment on my check and he gave me back the check. After I had went to another place to cash it I brought back the cash to Wells Fargo and deposited cash into my checking account. Now on XX/XX/XXXX I checked my bank account and I was negative - {$540.00} in my checking account. The bank said because of the teller error I was now responsible for the - $ XXXXand even though they realize they made an error at the bank and process the check without my consent I am still responsible for the money. They took all of my money out of my bank account and left me with {$0.00} in my savings account. I need some type of resolution hear the bank at Wells Fargo offered me no help. I should not be held responsible for a bank error and especially when I made it very clear not to process the check and Wells Fargo did it anyway. I understand that they added additional funds to my account and those funds were used however I had a substantial amount of money in my account at that time, I was not looking at my account every day to see how much I had. If those funds were never put into my account like I wanted and made very clear that I did not want it to be processed through Wells Fargo then I wouldn't be in this predicament. Wells Fargo is taking zero responsibility for the error they made. I have very little money as it is and for me to pay back something over {$500.00} is very serious for me. I've been a customer of Wells Fargo since XXXX and I've never done anything wrong with my account or had my account Falls so low into the negatives. I think that should at least be taken into consideration also. Now that they took all of my money I am at risk of being homeless because I can't pay my rent. They left me flat broke because of an error they made. I need some type of resolution. I was given a case number from Wells Fargo if that helps at all. It is 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 monetary relief
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: NY
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  XXXX XXXX Balance : {$2000.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00} XXXX  XXXX XXXX Balance : {$0.00}

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 2018-10-03
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On a daily basis I am called by XXXX XXXX ( XXXX XXXX ) although they have been notified that I am with a settlement program to resolve my debt with them. They have started to leave the same messages on my husbands cell phone, my husband is not an authorized user on this card and never supplied his number regarding this account. 
The transcribed message is as follows : XXXX ( XXXX ) XXXX XX/XX/2018 at XXXX This is XXXX from XXXX XXXX in regards to XXXX XXXX, at this point my office has assumed that you are ignoring this matter and that you have no intent to provide a voluntary resolution so now I do need to speak with you or with your attorney no later than XXXX on Saturday XX/XX/XXXX so that way we can discuss the situation and come up with a solution. If I do not receive a call by Saturday then I am going to assume that you are not interested in options that I do have and that you were no longer handling any business herewith us my number is XXXX and my extension is XXXX. 
*These threatening calls are daily on both my husband and my phone. XXXX XXXX has been notified for several months that i am in a debt settlement and received notice that the debt settlement company has been given authority to deal with them on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-15
Company: Convergent Resources, Inc.
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I Have received a collection from convergent outsourcing. for a XXXX account. I have never had XXXX. This was already resolved once before with the previous collector. I am trying to purchase a home and this is falsely being put on my Credit report. please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Called Capital One Customer service on XX/XX/2017, to take advantage of 0 % APR for 12 months with a 3 % balance transfer fee. 

I did 3 balance transfers. All 3 were posted on XX/XX/XXXX. 

XXXX Card for {$7500.00} XXXX Card for {$9200.00} with 3 % fee at {$270.00} XXXX Card for {$5200.00} with 3 % fee at {$150.00} The XXXX Card Balance Transfer for {$7500.00} was erroneously done at 21.90 % purchase interest rate. After 2 billing cycles of " research '' and no call back to myself, Capital One claims they " listened to the call '' and that I had agreed to this interest rate. 

I have done multiple transfers at 0 % on the SAME call ... Capital One is relying on trapping me in a moment of weakness on a phone call that had 3 separate terms and conditions read to myself, including 2 at the proper 0 % interest rate. 

Please reach out to Capital One and research that phone call, and find out what it is they are doing to correct this issue. This ends up being {$1600.00} issue over 12 months and Capital One reaps the benefits of slimy phone behavior. 

Thank you. 

-XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-22
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:
These accounts are fraudulent and do not belong to me XXXX XXXX account number XXXXxxx openedXX/XX/XXXX XXXX/XXXX   account number XXXX opened XX/XX/XXXX XXXX/XXXX   account number XXXX opened XX/XX/XXXX XXXX XXXX XXXX  + duplicate listed twice account number XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On the first of XXXX ( and actually a few more months before than ) I have been disputing the inaccurate reporting and findings on my report that arent mine and that are not 100 % accurate by FDCPA and FCRA regulations. The accounts that are reporting inaccurately are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-04-06
Company: Direct Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Direct Recovery Services contacted my Employer and left a voicemail on XX/XX/21 at XXXX XXXX on my Employers General Mail Box that is checked by various receptionists, and there message was VERY detailed but mentioning the EXACT amount of my debt, as well as optional payment amounts for settlement. This was VERY EMBARRASSING AND INVASIVE as again, this was left on my Employers general mailbox where numerous people/employees have access too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, my 3 bedroom mobile home was repossessed by GXXXX XXXX XXXX after I paid well over amount financed {$17000.00}. I called to ask them my payoff and they gave an outrageous price and company financed in my cousins name when initially he was my cosigner which they never corrected. The mobile home sales person gave me all the information and told me to call the finance company for questions due they had been paid. Green Tree called back in two weeks stating they were pulling the home for no payment. I had already paid on this home since early XX/XX/XXXX's. It was first financed under another company, then XXXX XXXX, then XXXX XXXX XXXX. I asked them what happened to all the money I paid XXXX XXXX  and they stated it was transferred to Green Tree. I was taken for thousands of dollars and still haven't heard anything from them. I called for up to two years now and still no settlement to me as promised. This is simply fraudulent and now they are stating they are Ditech. How do I get my money back? This is so unfair. I even called consumer affairs and channel 5 news to report. Please assist me with my issue by responding who I should contact to resolve this. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Called me claiming I owe them for a past debt. And they refused to confirm if I am the debtor or not. And they refused to identify themselves. All they had is my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-04-09
Company: Hunt & Henriques
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:
this attorneys office sent me a document to collect on a debt from XXXX XXXX XXXX with my name on it. it is an account that was fraudulently used in my name and disputed by myself years and months ago again as it was appearing on my credit file. XXXX  XXXX XXXX rechecked the matter and confirmed it did not belonging to me after documentation was again sent to them as well as a police report. they removed the negative and fraudulent account and now today months later i get a civil suit notice with the attorney XXXX  XXXX XXXX i guess sold this account to and dint inform them this is resolved. the attorney reached out to me months ago and advised to respond if i disagree, i replied that day via call and then mailed a letter the very next day ... never heard back until today getting served. i read horrible and similar reviews of this attorney and their office and this sis not right at all, they =should n't be able to do this to people like they do. please help me and the little guy!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: FL
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-07-11
Company: Rhodes, Kelly Assoc Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Rhodes Kelly is reporting a collection account in the amount of {$98.00} that should have been turned into XXXX XXXX and XXXX.XXXX  XXXX XXXX XXXX XXXX should have turned in to BOTH for payment and failed to do so.i have had XXXX sinceXX/XX/XXXX.i am sending copies of my insurance cards

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 2018-03-05
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
XX/XX/XXXX I opened an account with you folk approximately 2 months ago and funded it through transfers {$1400.00} and {$600.00} respectively ( see below ). You sent a confirmation as to receiving these funds. I believe it was on XX/XX/2018 Coinbase drafted an additional {$1000.00} from this account which was totally unauthorized ( theft ). I've been trying to get the funds back now for over 8 weeks to no avail.  The emails continue to say our investigation is underway which is nothing more than stalling. With the millions you, as well as Coinbase have made with these cyber currencies, why in XXXX would you refuse to return a paltry {$1000.00}? Oh, I know as I related to XXXX XXXX that I'm a XX/XX/XXXX-year-old XXXX XXXX and the targets get bigger each day on seniors especially if you happen to be XXXX. XXXX XXXX, I have literally begged these people to put the money back into my checking account and they keep stalling ; I'm aXXXX-year old senior whose income is less than {$1500.00} a month. I need my money, what little I have. Please help me Below are the actual bank drafts from Coinbase which shows  the unauthorized draft of {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In XX/XX/XXXX and on XX/XX/XXXX I sent a certified letter to Transunion to remove accounts that were closed more than seven years in accordance to FCRA 605 ( a ) ( 4 ) and ( 5 ). To this day, Transunion refuses to remove old accounts and adverse items of  information. Instead, Transunion continues to report them as unpaid, incorrect, and/or derogatory. In the two letters I sent them I also asked them to please prove the accounts they are reporting are correct and to provide the information that was used to place this on my report. Transunion has failed to respond to any of my requests or letters. 

In addition, Transunion is not following the procedures set forth in the FCRA subpart 609 ( a ) 1,2,3, 4, 5, ( b ) and ( C ) indicating that these accounts are in dispute by the consumer I am a member of Transunion and feel I should have all my money back for all the wrong information being reported.

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 2019-03-11
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Good afternoon, I opened a checking account with Wells Fargo on XX/XX/2018 pursuant to offer code XXXX for a {$200.00} cash rewards bonus. My understanding was that I needed to open the account with at least {$25.00} and do at least 10 debit card transactions per month for 3 months - which I did. However, after the 3 months passed, I did not receive the bonus.

I contacted Wells Fargo and they sent me a letter saying that I did not meet all the terms of the offer. After going back and reading all the fine print, I realized that in the fine print it says " Use your Wells Fargo Debit Card to make 10 posted purchases or payments each month of at least {$1.00}, for three consecutive months following account-opening. '' I did make at least 10 purchases each month and they totaled more than {$1.00}. However, I assume that Wells Fargo is asserting that each transaction has to be at least {$1.00}. I think this is very confusing and is just another example of a large bank like Wells Fargo trying to take advantage of working Americans by relying on fine print, that is at best ambiguous.

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 2023-12-18
Company: TrueAccord Corp.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Delete all errors on my files and 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