BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-02
Company: WELLS FARGO & COMPANY
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: Problem with personal statement of dispute

Complaint:
I am so tired of explaining to XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX and others. WELLS FARGO conspires with these companies to commit fraud because they have been provided settlement, have discharged and have been provided settlement again. Since lying WELLS FARGO employees want 60 days to investigate something they have investigated many times in the past, according to the Fair Debt Collection Act they are supposed to take the disputed item off the credit report while they investigate. I guess WELLS FARGO makes the rules, I guess they don't have to follow the law, I guess XXXX money can buy you anything! When are you going to stop WELLS FARGO from damaging the people! They have killed me in commerce, financially slaughtered my character, economically held me hostage until I have suffocated and now my vessel in commerce is dead. How am I supposed to live? I am a living woman who has the same right to live in peace on my own land but WELLS FARGO continues their deceitful tactics and their conspirators XXXX, XXXX, XXXX, and XXXX help them perpetuate the fraud. 

According to United States Code Title 15 Subsection 1601-1666 Pertains to WELLS FARGO 's bad banking practices. 

Consumer Law - 15 USC 1602 ( I ) Credit Card - used my Social Security Card as funding to pull credit, so what has WELLS FARGO lost? They are liars!

Truth in Lending 15 U S Code 1605 Determination of Finance Charge ( what they aren't telling you ) - Finance charges should be provided separate from the rest of the document, but you WELLS FARGO loves small print and comingles all the charges together. 

ANY transactions that I have ever done with WELLS FARGO have been settled many times over plus when I had my business account their they got full benefits for the income I put in the bank from the business. They kept title to the securities deposited because according to their records the securities were abandoned. If the public school system and universities trained us to operate in commerce we would know and XXXX would not be on the verge of finance collapse! This is WELLS FARGO and their gang of banking criminals ' fault!

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 2023-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022 I applied for a Capital One/Menards Big Card via Menards website . I received a letter directing me to call the fraud department to provide more information. Upon receiving the letter I noticed that there was a mistake and my last name was duplicated on the letterhead. I called and was told that the duplicated name was the issue and I would receive a reply in two weeks. I then received a letter asking for proof of income and tax return information. I sent it to them I then followed up several times and was told I would receive a letter in two weeks. I never received any letters from this point. 

The reason I am filing this complaint is because I don't understand why I would be denied the card. At the time having just under an 800 credit score and a 100 % on time payments record. I also have other Capital One credit cards, even had an auto loan through Cap. 1 without any issues. I believe that I deserve an explanation why I can't get a card from a store that I purchase thousands of dollars a year on home improvement products from. 

Thank you for looking into this for me and my family. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My loans fall under the Sweet Lawsuit Loan Cancelation that recently took place as I attended XXXX XXXX XXXX I keep trying to find out when they will be wiped off the books. I've applied for the XXXX XXXX XXXX case, a complaint case and a feedback case and they keep getting closed with no response. My loan servicer Naviant keeps calling and will not stop!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-11-30
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal has as of XX/XX/2020 started requiring the use of text or phone calls to access my account, without notice of this change. In doing so, it states that I would grant Paypal permission to call and text me for a variety of reasons. I will not grant them that access. I have never provided my phone number - it was pulled from a 3rd party transaction. Since I can not access my account, I have no way to track or manage a {$25.00} pending credit. The credit should be provided in " 5 to 7 business days ''. 

XX/XX/2020 was the 5th business day. Paypal refused to process the credit or provide any explanation for requiring 7 business days. I spent 5 hours on the phone attempting to resolve this issue. I was hung up on once. I spent at least three quarters of that time on hold. I spoke to 4 different individuals from CSR to Manager and I had to re-explain the entire situation to every one of them. They refused to provide a direct callback number so I could follow up on the 7th day. So I can waste another 5 hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Closed Accounts : Delete from Credit Report XXXX - XXXX. has violated my rights. 
XXXX XXXX  - XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-03
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: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint AGAIN to update this suspicious information. XXXX and TransUnion Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX Balance  : {$9800.00}.

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 2018-02-12
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are being billed for an " inspection '' of our property. We were never informed that an inspection took place nor have we seen any such report nor were we notified that any inspection was necessary. The fee was added on to our loan statement. We have been told he inspection was done XX/XX/XXXX and was due to the hurricane in XXXX XXXX where the property is located.. The amount is {$16.00}. We have asked for copies of the report and what company did this inspection. That information has not yet been provided. There was no flooding or damage to our property and this was totally unnecessary if in fact there ever was any inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX # XXXX - IDENTITY THEFT XXXX XXXX  # XXXX - IDENTITY THEFT 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-08-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Today, XX/XX/21 I received a welcome packet and checks from TD bank for an account I never opened or authorized. I did not authorize the account or have any knowledge of its existence prior to today. After contacting TD bank this evening they confirmed they will close the account immediately which Ill be reflected in 2-3 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have sent letters in XX/XX/XXXX-XX/XX/XXXXasking all credit bureaus to update my name and address and they have yet to do so.

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 2019-11-26
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XXXX XXXX one of the 3 major Credit Reporting agencies leaked the data of 143 million Americans, including myself. The data breach exposed ( My Name, Birth Date, Address, Phone Number, Social Security Number, as well as my Drivers Licenses number ) As a result of this breach, I have become a victim of identity theft, leaving my credit file tarnished and my overall credit score destroyed. This negligent on XXXX part, will leave my personal information permanently available for access at any time. My name, date of birth and social security number are never changing ; therefore, I am at risk of identity theft at any time. Im a very private person therefore knowing that my personal information is in the hands of The XXXX XXXX Hacker I will forever have to look over my shoulder, check my credit score for accuracies, and fear of someone using my personal information, this has caused me a lot of mental and emotional stress. Credit reporting laws ensure that your organization report only 100 % accurate information, due to the XXXX XXXX   Security Breach your company is in direct violation of the Fair Credit Reporting Act. XXXX  was negligent in allowing my personal data to be breached, I am demanding the incorrect information reported as a result of this breach be removed upon receiving this letter. If you do not immediately remove this inaccurate information from my credit file, my lawyers in filing suit against your company in the State of Alabama Circuit Clerk of XXXX County on XX/XX/XXXX at that time I will seek for Punitive damages, cost for attorneys fees, court cost, as well as compensation for ongoing emotional distress, anxiety, and harassment due to this security breach. 

As a result of the XXXX breach, the following accounts have been listed on my credit profile and should be removed as soon as possible. 

1.XXXX XXXX {$2400.00} 2.XXXX XXXX {$13000.00} 3.XXXX XXXX {$1200.00} 4.XXXX XXXX XXXX {$280.00} 5.XXXX XXXX {$2000.00} 6.XXXX XXXX {$260.00} 7.XXXX XXXX {$260.00} 8.XXXX XXXX {$130.00} 9.XXXX XXXX {$2700.00} 10.XXXX  XXXX {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Friday, XX/XX/XXXX, my XXXX account was compromised and was used to make multiple purchases. Purchases then continued onto the XXXX and I caught the transactions then. I then contacted XXXX to report this activity, they gave me no help and stated refunds are not possible, only giving me the option to change my password. I contacted Bank of America fraud to start the disputing process and had two separate claims, finding out today XX/XX/2020 that one of my claims has been denied due to having 2 claims open related to the same merchant. The 2 claims was bank of Americas decision and I shouldnt have to get denied because of that.

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 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Every month of 2022 I have notified both TRANSUNION and the creditors that the accounts are not my accounts and was open fraudulently with out my consent. I provided evidence and documentation multiple times each time trans union did not accept my documents because of color as i was told by customer service multiple times TRANSUNION has police report also. I requested a proper investigation and validation be done all was pass 30 days i have not received a response or update with deletion of inaccurate derogatory marks being reported by TRANSUNION.

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 2021-02-04
Company: South River Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in the reverse mortgage business and have a reverse mortgage on my own home. I was scared when I received the attached letter stating my reverse mortgage had " expired '' ... what happened I thought to myself. Upon reading the letter and confirming with my son who is a Certified Reverse Mortgage Professional ... I realized it was a solicitation for me to call about a refinance. I think this letter is too shocking to send out to seniors who have a reverse mortgage. It causes anxiety and and worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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:
TransUnion is reporting 5 late account in the Account Summary on my credit report and they are not any late payments. This effecting my credit score and they need to be sued. I have requested this correction to be fixed over a year now. 

Please see attachment and why do I have to wait 60 days for them to correct this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Second request ... ..I received a call from XXXX and follow up email stating it could take up to 60 days for this error to be corrected. I am requesting CFPB notify the major credit agencies Transunion, XXXX, XXXX, and XXXX who reduced my credit score from XXXX to XXXX in error. This error will have an effect on any major purchase I had planned in the month of XXXX. Hopefully, with your help this matter can be rectified asap.I will attach a letter from XXXX which does not state who they are going to notify and not a person to follow up with. 
Thank you again, 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 2023-04-03
Company: Experian Information Solutions Inc.
State: TX
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:
When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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