BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This is a general issue with all financial institutions and just not limited to Wells Fargo Bank I am making a complaint below. I had the same issue with XXXX XXXX just less than 6 months ago. 

History : I have a Way2Save Savings account with Wells Fargo. To keep my life simple and structured, I plan a year ahead of time and set up Automatic Bank Transfers to increase my balance in the Savings A/c. I have set up Recurring Deposit {$100.00} ( once every 2 weeks ) from another financial institution into the Way2Save Savings account. 

Issue : On XX/XX/2019, I got an email that the scheduled transfer ( of deposit to Way2Save ) was unsuccessful. I find out the reason that the Way2Save account has been disabled for the due to NO deposit or withdrawal from the account by visiting a bank ( physical brick and mortar ) in the last 24 months. The message that accompanied the warning was the one that was far intimidating It read that if the account had been inactive for long period of such inactivity, then the state ( govt. ) can claim the balance in my account under the term of escheat. 

This is really atrocious. In my mind, State Govt. or any Govt. authority can not come in between a private individual and a financial institution to claim any money, even if it stays inactive. It is not a lottery money that the State can claim. It is hard earned money of an individual ( and possibly to the individuals immediate family needs, if the account holder is deceased ). 

I find that this kind of term applies to an individual checking/savings account with a balance on the account with period of inactivity.. but when it comes to an account such as mortgage account with the same bank, I am sure there will be no such disabling done for not making a mortgage payment for a period of time. ( Of course, the home with the outstanding balance will be taken over by the bank ). 

I opened a case with Wells Fargo bank to register my complaint, but as per the existing rules, I am sure they have nothing much to do. But this law is something that is not sitting well in my mind. How can a regular / periodic deposit of {$100.00} once every 2 week, not be considered as a transaction? Why would I have to walk into a physical bank to make a dummy deposit or withdrawal to keep my account active? Even if the crazy rule/law needs me to keep my checking/savings account active, I have never gone into a bank ever to make my mortgage payment Why dont they have law to make the mortgage account inactive? I am will happy to not pay money back into my mortgage.

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 2023-07-13
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 non-monetary relief
Consumer complaint received 2023-05-19
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is no legal contract or agreement between My all caps Name and This Company, I requested a Validation of this debt but they failed to provide, all I received was a bank statement for the 2nd time. 

Violation of the Fair Debt Collection Practices Act ( including but not limited to section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to section 623-b ) Last attempt to solve this matter Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential SMALL CLAIMS ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
My credit report is inaccurate I have an updated list of missing items on my credit report. 
I need all my my credit reports to reflect the same info I need all inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Capital One, has been told in XX/XX/2017 that I am filing bankruptcy. 
They were also told by my attorney. 

I keep getting calls as they put my accounts into collections. 

Every few months, XXXX calls me ( the collector ) And again, I tell them the same thing, along with my attorneys info they dont stop calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: WA
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 filed for bankruptcy in 2019 but did not list creditors. I changed my mind about filing bankruptcy and 11 days after filing, it was dismissed by the bankruptcy court. I never pursued bankruptcy, never identified any creditors, and never dealt with the trustee. It was dismissed and should have been treated like it was never filed given that no action was taken on it whatsoever. The bankruptcy is being reported to the credit bureaus via XXXX XXXX, not the bankruptcy court itself, which means a third-party with no knowledge or verifiable information is providing it. Also, my full social security number has not been provided so the credit bureaus do not know if the information is accurate or not but are still putting it on my credit report. I never went through with any aspect of the bankruptcy process. Therefore, my credit report should not reflect that I have a bankruptcy on my record. The third party reporting, lack of identity verification are prohibited by the Fair Credit Reporting Act. My rights are being violated by Experian, XXXX, XXXX, and 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 explanation
Consumer complaint received 2019-11-02
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions 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:
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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-02-06
Company: Strategic Alliances, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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 opened account in XX/XX/XXXX with XXXX XXXX XXXX for a used SUV. On XX/XX/XXXX I moved across the state and ended up defaulting on the loan as a result of an incident involving XXXX XXXX from an ex boyfriend. Sometime near the middle of XX/XX/XXXX, a guy showed up at my residence and hooked up his vehicle to my SUV associated with the account from XXXX XXXX XXXX, said he works with XXXX XXXX XXXX and took off with my SUV. I never received any communication from XXXX XXXX XXXX as to the repossession of the vehicle. Nothing. Then I notice sometime later on my TransUnion credit report the account with XXXX had been reported on as current ; paid or paying as agreed and listed under " satisfactory. '' The account was never reported as " repossessed. '' But I noticed a second account from XXXX XXXX XXXX was opened in the middle of XX/XX/XXXX, after I had moved across the state and there being no communication whatsoever with BSF. It stated the " last payment made '' was in XX/XX/XXXX. I knew absolutely nothing about this account let alone having made ona single payment on this account! I noticed this second account was stemming from the initial account I opened with XXXX  XXXX XXXX XXXX took the vehicle..had the vehicle in their possession yet fraudulently opened a second account in my name and expected payment on a vehicle they repossessed! After several years, the initial account was closed then XXXX sold the fraudulent account to a debt collection agency, XXXX XXXX, as seen on my TransUnion credit report. In true fashion, as with XXXX I never received any form of communication whatsoever from XXXX XXXX as to the account they acquired from XXXX XXXX XXXX. Then on my credit report, it shows the total owed to these two companies is more than {$12000.00}! To me trying to comprehend what the heck is going on, it appears I now owe more than {$12000.00} to two different places for a vehicle that XXXX took back possession of. I refuse to take responsibility for these 2 accounts because first and foremost, I do not have the vehicle anymore, essentially it was involuntarily given it back. And second, I didn't open a second account with XXXX XXXX XXXX to sell to a debt buyer. As far as TransUnion goes, I can't seem to get anymore to update my correct information including my current name.

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 2022-09-13
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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 XXXX XXXX Act. # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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 XXXX, XXXX Act. # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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 XXXX XXXXXXXX XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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 XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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 XXXX & XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX  XXXX  XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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

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 2021-09-11
Company: Experian Information Solutions Inc.
State: MD
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:
Please help. I have always paid my bills including my mortgage, car loans, and credit cards as agreed and on time. I stay within my monthly budget. I have a good stable job with the federal government. 
My complaint is about Experian 's credit score and monitoring system is in need of a major overhaul! The system is punitive and disproptionatly calculates a consumer 's credit score that results in a negative score. Thank you.

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 2019-11-02
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Good Morning Sir or Madam, I am filing a complaint against Direct Express. Every first of the month, {$430.00} is posted on my Direct Express debit card. I called XXXX to check the balance on the card, it says the {$430.00} was posted into the account on XX/XX/XXXX, but also there was a {$230.00} charge on the card XX/XX/2019 that I did not authorize. I called repeatedly to inquire about the charge because I don't know where it was from. I want to dispute the charge, but unfortunately after several attempts, I kept getting a message reading high call volume, try again later. I called the social security administration they said, once the send money to Direct Express, it's out of their hands. They said for me to try to call Direct Express Saturday morning @ XXXX. Unfortunately, I called today, Saturday XX/XX/2019 and keep getting the same recording. I have no way of knowing why my funds are missing or who is responsible for the charge. Direct Express number listed on the card is XXXX. There is no address listed on the card. I searched their website for an address. XXXX. XXXX XXXX XXXX XXXX, TX XXXX is listed. Can someone please help me? 

My contact information : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas. XXXX Phone :. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Manhattan Beach Venture, LLC
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX or XXXX is a third-party collection agency specializing in student loan debt. XXXX has received many complaints from consumers alleging violations of the Fair Debt Collections Practices Act ( FDCPA ) such as using inappropriate communication tactics and making threats. 

XXXX violations that include illegal disclosure of information, failure to verify debts, improper communication tactics, and making threats. 

XXXXs failure to establish recurring authorization of electronic funds transfer before payments are taken from bank accounts violates the EFTA. A second charge attempted to establish XXXXs liability for violating the FDCPAs provisions against unfair or unconscionable means to collect or attempt to collect any debt. 

debt collector attempts to collect more than you allowed for settlements debt collectors attempt to intimidate you Criminal accusations are being made Use of obscene language during an attempt to collect such as cursing Automated robocalls are being made to your phone in an attempt to collect without prior consent for dialer calls to cell phone. 

Phone messages are not being returned in 24 hours.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-12
Company: ERC
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection statement from ERC for an alleged debt of {$190.00} from XXXX XXXX. I stopped using XXXX XXXX, a company with documented customer complaints, when my internet service no longer worked on my purchased modem. I tried all the methods to reset my modem but with no success, and sent an email to XXXX XXXX telling them that my modem/internet access was not working. They sent return email that they could not send me reset password by internet and that I would have to call them. I am XXXX so that is not an option. I sent email telling them that I was stopping service since they FAILED to provide contracted internet service. They sent me additional billings following months for service NOT provided, and I notified them by mail that they had not provided any internet service per their month to month contract, thus no payment was due. XXXX XXXX does not provide acceptable service to XXXX XXXX customers, and thus is in violation of Americans with Disability Act and has clearly shown a hatred for customers by billing for services not provided. ERC has previously shown that they buy " bad debt '' in effort to shake down customers for debt not owed. I do NOT owe XXXX XXXX, and they wrote this off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
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:
a company i am not familiar with, XXXX, who has just got sued by 38 states, has me listed as negative in my credit report. when i write them and ask to validate, they send me back a letter saying it has been verified, 2 different things. the credit bureaus are nothing but rubber stamps for these lenders as they send me the same garbage saying that it has been verified, instead of sending me documentation it has been validated

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