BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-07
Company: WELLS FARGO & COMPANY
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A check I wrote on my account with XXXX XXXX, was fradulently cashed by someone in XXXX Iowa at a Wells Fargo bank. The check was for {$1800.00}. I am retired and on a fixed Income. I was assured by XXXX XXXX, that I would have my money returned within 10 days. The company the funds were supposed to go to has refused to co-operate with XXXX XXXX requests for a signed and notarized affidavit, and I have sent the request via fax, email, USPS, and certified mail, and they will not answer the phone. They place you on hold for one or two hours, then hang up. The FDIC, Comptroller of the currency, and Federal reserve will not help. Wells Fargo will not answer phone calls. My local police took a report- then closed the case stating it was not in their jurisdiction. It seems that every company involved in this is passing the buck to someone else- Me!

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 2023-08-02
Company: World Acceptance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
World Finance keeps reaging this account and fraudulently increasing the balance on a charged off account. Due to the reaging and increase in balance the information being reported is inaccurate as well as fraudulent since this account has been written off. My FDCPA and FCRA rights have been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: EQUIFAX, INC.
State: PA
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:
Back in  XXXX  o f this year I informed the credit bureaus that I received a number of Inquiries over 1 week period that I did not submit. I was told that I must get a letter from each inquirer in order for it to be removed. Well I have in the past week gathered all the letters representing all the inquires and have scanned them in and uploaded them in order to get the Credit reporting agencies to remove the inquiries. I was told by many of them it will take up to 30 days BUT I CAN NOT WAIT. I hope with these letters they can expedite in my behalf and just remove them manually.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been dealing with identity theft for the last two years I have reached out to Trans Union multiple times to try to clear up fraudulent information on my credit report and they will not assist me with any help I have disputed information and they have yet to remove fraudulently information off my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
OnXX/XX/XXXX I filed a complaint with XXXX XXXX for supplying inaccurate personal information to XXXX, the company that provides a Mobile banking product to my bank. Because of the inaccurate information, I am unable to access my banking accounts through mobile banking because through their stepped up authentication process I can not answer their questions correctly because of the inaccurate information they provided. After multiple calls to Lexis Nexis I finally received a written report with their compilation of public record and non public record on XX/XX/XXXX. I called Lexis Nexis today to ask them to remove the inaccurate information and they refused. I called the number published on the report ( XXXX ) XXXX-XXXX and spoke with XXXX. This is causing me consumer harm as I can not access my accounts through mobile banking, nor make mobile deposits. One of the accounts I have is a rewards checking account that requires me to log on once per month. If I am traveling without access to a computer I can not meet the account product requirements because I can not used my mobile phone to log on..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter of settlement. I called and asked if the settlement offer was still available. My husband was a XXXX XXXX XXXXXXXX US Vet, service related because of XXXX XXXXXXXX exposure. He was in XXXX  for 39 days and then died. I had not replied to the settlement letter originally because I was spending all my time trying to save my husband in the XXXX  or at the VA making sure benefits were filed properly. The person I spoke to said if I paid that settlement that day, then the debt would be settled. She wanted me bank info on the phone. I asked if I could do it online and she said yes. I went online and paid the full amount of the settlement. Then I received a legal summons- the process server was intimidating and threw - not handed - but threw the summons in my face. The summons made no mention of the settlement or the amount already paid. I immediately called the law firm. After being placed on hold again and again, I was told no payment was ever made, that I was not truthful and the only way to resolve this was to make the full payment - more than what was owed. I had a huge fight with this individual ( XXXX XXXX ) before he agreed that they had received a large portion. But then he proceeded to insist no settlement letter was ever sent to me and I never spoke to anyone at the firm. He again pressured me to pay, nothing would happen with the summons until they had the full amount. Finally, he agreed to honor the settlement. He should have been required to confirm this in writing. He said it would take 14-21 days. Because I had nothing in writing I began calling after 14 days. No one returned the calls. I finally reached a human being who said he was only interested in debt collection, NOT answering my questions. This seems to be their SOP to harass people to pay, without even confirming the amount or the circumstances. I then had to fight and fight again, first to confirm the debt was settled, then to confirm they had dismissed the summons. But I still have nothing in writing. They should be required to provide this same day by email if requested. Why should consumers have this threat hanging over them, and not know if this firm will behave legally, afterall, the first promise was not kept. There needs to be a higher standard that they are held to and in cases where they fail to meet business ethics, everything regarding the debt should be struck from the consumer credit report. Afterall, we can not keep this on their record for 7 years so they can get away with repeated bad acts. If corporations find out they have a bad record for 7 years it impacts their business. If you are willing to accept the concept for consumers, then apply the same when they do not act accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
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: Investigation took more than 30 days

Complaint:
Letter sent XX/XX/2022 a formal complaint to Experian XXXX and XXXX for Violating my Federally Protected Rights as a consumer ; received no response. Sent a follow up letter XX/XX/2022 demanding them to comply to their policies with verifying accounts within 30 days; received no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: NY
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 sent my FTC identity theft report by mail which they claim they never received are reporting fraud accounts which are listed in that report and they were supposed to remove this and the hard inquiries their giving me a hard time to get this done I dont underdtand their problem its not fair and the my Equifax is not working again its saying no file found horrible experience

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Synovus Bank
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
unsure about the dates, but I have been talking to all 3 of the Bureau XXXX, XXXX, and XXXX constantly for the last several time about this. And trying to depute it online about this. And no reply! Now have all 3 BureaXXXX freeze, because different companies running my credit without my approval or they will tell me that it's a soft pull. and when I check my credit report, It pull my score down to XXXX to XXXX points. So now I have all 3 of my Credit Bureau freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, our checking account # XXXX was closed with no explanation or no noticed.The account was in both names XXXX and XXXX.with Bank of America.After numerous visits at headquarter without any resolutions.. I made many calls to the Compliance department, customer services via phone center and online Customer Resolutions department. and several phone calls to XXXX XXXX XXXX in Customer Resolution. XXXX XXXX last conversation XX/XX/XXXX stated he reseached and the accounts are closed, and restricted and he could not help me further. All phone calls were recorded and a paper trail exits in the Bank of America banking system.Each conversation was typed in their system. I have copies of typed on-line complaints I made to the Bank of America..We have XXXX children and in need of our money approximately over {$7000.00} as soon as possible.

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 2022-08-15
Company: Experian Information Solutions Inc.
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 belongs to someone else

Complaint:
I received a call back in XXXX about being past due on a personal XXXX XXXX credit card. I explained to this company I didn't open, apply nor have any knowledge of this account that was opened. I called a supervisor with XXXX  and was told the account was opened by XXXX XXXX ( My ex-wife ) but my social security was listed. I explained again this was NOT my account. I met with XXXX XXXX and she gave me copies of documents she received and continues to receive about this account. The bills are coming in XXXX XXXX, not XXXX XXXX. I disputed this information with XXXX, Experian and XXXX XXXX. XXXX and Experian refuse to remove this from my credit file even after sending in the proving documents. A pre-approved post card was sent to XXXX which is how she applied. A supervisor told me this could have been an error on the pre-filled application. 
My credit was good with no late payments EVER until this account was posted on my credit file. 
XXXX XXXX states XXXX XXXX won't accept a payment from her because my social security is listed not listed. XXXX has since filed Bankruptcy and this debt was discharged. 
XXXX XXXX continues to report past dues on my credit file and the credit bureaus won't investigate and fix this error on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I Have Sent Dispute Letters To This Company That There 's Noting Stating That I Signed Saying Anything Will Be Sent To A Collection Agency. I Signed A Release To Have Medical Treatment and The Release Of Medical Information That 's It Nothing Else And I Want This Off My Credit Further More Its a Hippa Violation!!!!     {$2000.00} On  XXXX / XXXX /  XXXX   Was Added To All  XXXX  Of My Credit!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Navient Solutions, LLC.
State: KS
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient calls my cell phone 6 to 8 times every day. I told them to stop calling me. I Block the number and them they start calling from a different number. Never leave a message. These are my son 's loans that I cosigned. He deferred payment for 8 years. The value has tripled.
I paid on them for 15   more. I tried to settle them and they would not try to settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
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: Information belongs to someone else

Complaint:
To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX KY, XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OK XXXX PLEASE UPDATE MY CURENT ADDRESS : XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX KY, XXXX XXXX XXXX, FL 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 2021-06-07
Company: Weimark
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not authorize the inquiry from Weimark. I do not have a mortgage loan with this company. I contacted the company to have this removed but they have not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 belongs to someone else

Complaint:
I received a call back in XXXX about being past due on a personal XXXX XXXX credit card. I explained to this company I didn't open, apply nor have any knowledge of this account that was opened. I called a supervisor with XXXX  and was told the account was opened by XXXX XXXX ( My ex-wife ) but my social security was listed. I explained again this was NOT my account. I met with XXXX XXXX and she gave me copies of documents she received and continues to receive about this account. The bills are coming in XXXX XXXX, not XXXX XXXX. I disputed this information with XXXX, XXXX and Trans Union. XXXX and XXXX refuse to remove this from my credit file even after sending in the proving documents. A pre-approved post card was sent to XXXX which is how she applied. A supervisor told me this could have been an error on the pre-filled application. 
My credit was good with no late payments EVER until this account was posted on my credit file. 
XXXX XXXX states XXXX XXXX won't accept a payment from her because my social security is listed not listed. XXXX has since filed Bankruptcy and this debt was discharged. 
XXXX XXXX continues to report past dues on my credit file and the credit bureaus won't investigate and fix this error on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Inquiries on My credit file where credit was asked for, granted, or denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , IA  XXXX  (  XXXX  )  XXXX  Put a hard credit inquiry on my history without my permission I was not looking for auto loans just wanted to buy a used car no loan.

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 2023-09-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit 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:
A fraudulent charge was made to My TD credit card on XXXX XXXX and XX/XX/2023, for four airline tickets for the total amount of {$3.00}. 
I been disputing these charges since XXXX XXXX. T.D. respond is that they have reviewed the credit card dispute claim, and according to their investigation. They have determined that fraud did not occur. 
I paid the total amount regardless that I did not made this transaction, to prevent late charges. TD credit card has not provide me with any documentation of their investigation they said they did. I have disputed a few more times and T.D. respond has been the same. That they have determined that fraud did not occur. 
I appreciate if you can help with situation. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The credit bureaus are illegally reporting inaccurate information on my credit 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 non-monetary relief
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DONT RECOGNIZE THIS ACCOUNT XXXX XXXX XXXX XXXX XX/XX/2021 Date Opened I DONT RECOGNIZE THESE INQUIRIES 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