BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-01
Company: WELLS FARGO & COMPANY
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XXXX XXXX, 2019, Wells Fargo, ( herein " WF '' ) found a new way to charge overdraft and return item fees. None of the actions taken by WF is technically illegal. WF announced by letter that the bank was amending the terms of its Line of Credit Agreements to allow the bank, without prior notice, to close the account if it had had no activity for one year. I spoke to customer service, informing them that the ability to close the account without notice had an effect on many customer 's deposit account agreements, as these lines frequently serve as overdraft protection for the deposit accounts. That means that a customer who inadvertently overdraws their deposit account -- or who intentionally writes a check over the deposit account balance -- may be subject to overdraft fees or a dishonored item with a fee-without actually knowing that the line of credit account had been closed by WF without notice. The Customer Service person I spoke to was forced to agree that I had correctly interpreted the terms of the account change. 
Customers often do not know or understand the effect of the change of terms. As an attorney who wrote these terms for the former Wachovia bank, I do understand them and find the " without notice '' clause a unfair and deceptive action. Customers can protect themselves by taking a minimum advance from the line of credit and paying it back on the next day. However, since the lines of credit were sold in part as overdraft protection lines, it is grossly unfair to allow the bank, particularly this bank with its recent customer service debacles, to take this action, The bank should absolutely provide a prior notice to shutting down the line so that customers can take appropriate action to protect their good credit standing on their deposit accounts. I can not determine if WF is taking this step to increase overdraft and returned item fees or if it is closing accounts without notice to control the access of employees to these lines of credit. Did CFPB order Wells to take this action to " clean up '' its house? If it did, the result is still unfair.

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 2023-01-10
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-23
Company: KEYCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is a Unfair Deceptive or Abusive Acts and Practices ( UDAAP ) complaint against Key Bank. I had a checking account with a credit reserve account attached to it. I moved away from convenient branch locations and therefore attempted to close the account via written notice and phone calls. I called on 4 separate occasions throughout late XX/XX/XXXX and early XX/XX/XXXX to get it closed. Each time Key Bank personnel said they would handle it but it never got done. The last time ( early XX/XX/XXXX ) I was told that they would contact the branch of origination ( XXXX, WA ) and take care of it. Nothing happened - however they happily continued to charge fees to the account and overdraw it in the amount of {$310.00}. Now it shows up as a negative on my credit report. This is unacceptable - it was Key Bank 's error and I believe they deliberately kept the account open and charged fees against as a revenue generation tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Skrill USA, Inc.
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have tried to do a money transfer from USA to XXXX. The service/used was from Skrill. Transaction Date XXXX XX/XX/2020 Transaction amount {$1000.00} They asked me to submit documents for identity verification before continuing with transaction, I submitted those via their website They came back and said it is not the correct docs. I resubmitted the docs, and still the same issue. Tried this 3 times and since this was not being successful, I requested them to cancel the transaction and refund the money I called their helpline couple of times, send the refund request around 4 to 5 times ( via email ) and they did not processed the refund till date. Now they have disabled my account ( which is fine ) but I have still not got the refund or any status update in this regard. Appreciate your help to resolve this issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After the passing of my mother I needed to sell her home. I put the home on the market after making updates and repairs and it sold on the first day of showing. We called to get a payoff and sent in the funds- only for the funds to be returned and the mortgage company asking for a additional XXXX XXXXXXXX. My attorney contacted them and they said we owed only an additional {$1600.00} and not XXXX  XXXX. We overnighted the payment in again and now they are asking for a additional XXXX XXXXXXXX. It is never ending with this company. They just keep adding and adding bogus fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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:
XXXX, TRANSUNION AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, BELOW ARE THE LIST OF ALL FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX, XXXX Account number XXXX Closed Date opened XX/XX/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 2023-01-10
Company: EQUIFAX, INC.
State: NY
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. 
Account name : XXXX XXXX  # XXXX Account name : XXXX  XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.SC 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.

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate.

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate.

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifaxXXXX XXXX XXXX XXXX did not modify or removed anything.

So i asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, 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 have unauthorized inquiries on my report that I did not initiate and needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-01
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Chase Bank is on my credit report after paid in full/settle in full, it show a derogative narrative under their name for me. It does not state paid in full. the cost is still there as if the account is still open. This account should have closed and paid over 5 years ago. Considering they were paid why is it still derogatory information? It states the account is derogative and is causing me undue stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate the remaining accounts. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Date Opened : XX/XX/2015 Balance : {$7100.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$3600.00}

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 2023-01-10
Company: EQUIFAX, INC.
State: NJ
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and immediately update or correct them from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Experian Information Solutions Inc.
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We signed into XXXX XXXX XXXX, on XX/XX/XXXX.. We paid the {$1.00} ea. Then on XX/XX/XXXX, we were billed {$29.00} each. The frustration comes in when not one phone number allows you a live person to get a refund or cancel.And online you cant do anything automation wise without a membership number.I tried many hours daily, up to XX/XX/XXXX. to figure this out. I finally went to my bank and had my debit cards canceled and then re- issued. Which takes a few days and gets you out of the date range for a refund.I believe this is poor customer service.

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 2023-06-23
Company: Patient Accounting Service Center
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company send me letters ( most recently on XX/XX/2023 ) claiming that I owe {$110.00} to their client XXXX XXXX. However, they refuse to provide any proof that I owe the money or to support their claim with any facts. I informed them that I have not used services of their client and do now owe them anything. Yet they continue to demand payment. The representatives in their phone center are rude and refuse to stop collection or to provide any facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2018-11-23
Company: DISCOVER BANK
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 has been non-compliant with removing the unverified account DISCOVERBANK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVERBANK was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-08-15
Company: Action Collection Service
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was on section XXXX or government housing in 2010 the companys involved will not release the contract or proof how I owe rent. I have tried may times to dispute this and I eveneed tried to settle. The company are unwilling to do anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: DE
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 name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
After checking my XXXX and XXXX reports, it shows that i have a XXXX XXXX. This violates the GBLA federally enacted law that requires Financial Institutions to Not disclose non public personal information to non affiliated third parties, unless the consumer receives sufficient notice. 
Give customers the opportunity to opt out from having their information shared in certain situations. 
Protect the personal and financial information of their customers against unauthorized access or use. 
Not only have I never been given the option to opt out of having my personal information shared across 2 different credit bureaus, but this has also caused detriment to my overall score and report to drop drastically. This would in turn negatively affect any attempts to receive a loan or to be granted a home. I would need this error removed expeditiously as I am a federally protected consumer per the Privacy Act of 1974 and the Right to Financial Privacy Act of 1978.

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 2023-06-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN
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 disputed this XXXX XXXX XXXX XXXX account with ChexSystems because it is not my account. ChexSystems responded with " proof '' that it was my account, which DIDN'T HAVE ANY OF MY INFORMATION ON IT OR INFORMATION THAT I RECOGNIZED. It showed a business with a completely different address in a state 2000 miles away from me. When I disputed it again, ChexSystems responded claiming that my dispute is " considered frivolous ''. REMOVE THIS FRAUDULENT INFORMATION FROM MY CONSUMER 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