BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/, I reached out to Wells Fargo in regards to a remediation check I never received for an account that was closed/frozen, while they continued to assess fees. I received a Fraud Packet to complete, with a copy of the forged check. I promptly returned the fraud packet, using the prepaid XXXX  return envelope that was included in the packet. As of today, I still have yet to receive a definitive answer from XXXX XXXX XXXX', the third party Wells Fargo has contracted with to handle remediation check issues/customer service. I have reached out to Wells Fargo several times since learning of my check being fraudulently cashed, and voiced my concern why 1. ) it was allowed to be cashed when they have my signature on file on a signature card for previously held accounts, and 2. ) why it's taking so long to resolve the issue and send me a replacement check. Wells Fargo Representatives do nothing but defer me to XXXX. When speaking to XXXX, they are very VERY vague in their response to questions, and their repeated promise to have someone call me back about reviewing my Fraud Packet and whether or not a replacement check is going to be -- or has been -- sent, is NEVER kept. No one EVER calls me back!!

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : I recently reiewed my credit report provided by your organization, and I am shocked to find several inconsistencies that are damaging my good name.. I expect this letter to promply resolve the pointed data which is reporting inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. 
Please review the following accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX  Account : XXXX XXXX, XXXX Account : XXXX  XXXX XXXX  Account : XXXX XXXX  Account : XXXX XXXX XXXX I am aware Section 609 requires you to have verifiable proof of this account belonging to me. Please send me a document with my signature otherwirse delete this account from my credit report. 

After you have finished my request, send me a copy of my credit report reflecting these changes. 

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding inaccurate information on my credit report maintained by TransUnion. On XX/XX/XXXX, I initiated contact with TransUnion to address discrepancies in my credit report, and as of the current date, I have not received any response from them. 
The following are the details of the inaccuracies and the requested corrections : Account : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} Request : Remove from my credit report. 


Account : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1900.00} Request : Remove from my credit report. 

Account : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$3500.00} Request : Remove from my credit report. 

Account : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$6000.00} Request : Remove from my credit report. 

Account : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} Request : Verify and correct information, dispute the account, and request verification of Date Opened and Date of First Delinquency. 

Account : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$6000.00} Request : Remove from my credit report. 

Account : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1900.00} Request : Remove from my credit report. 

Account : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} Request : Remove from my credit report. 

Account : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$3500.00} Request : Remove from 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 2023-04-11
Company: Ability Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name XXXX XXXX, a federally protected consumer, and I am making this complaint against Ability Recovery Service for committing identity theft. I have never given Ability Recovery Service any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam legally refusing to pay this debt pursuant to 1692c ( c ). I am legally refusing to pay this debt pursuant to 1692c ( c ). Iam demanding a cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until Ability Recovery Service can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and Ability Recovery Service continues its collection efforts, I will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028 A. extortion, theft by deception, securities fraud, and mail fraud. Also do you have a SSA - 89 Form can u please tell me you have this on file. Upon the receipt of documents herein and of this Notice, you are hereby notified Pursuant UCC 1 - 202f. Your prompt Attention and Response are both requested and required. Ability Recovery Service # : - 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 2020-01-15
Company: Experian Information Solutions 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:
I am a victim of identity theft. I pulled my credit report and discovered there is a fraudulent account in my credit report. I did not open XXXX XXXX credit card in XX/XX/2007. This is a result of identity theft. I contacted the credit reporting agencies and they deleted the fraudulent accounts from my credit reports. However, Experian credit bureau reinserted the XXXX XXXX account back to my credit report ( please see attached deletion letter from Experian ). I insist that XXXX XXXX XXXX XXXX account is fraudulently opened and I have no knowledge of 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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have sent 3 different letters asking the credit bureaus TransUnion, XXXX, XXXX to remove the hard inquiries from my credit report since I did not authorize them, I was not successful with TransUnion and XXXX but XXXX did make the correction. 


The first letter was sent to TransUnion, XXXX, XXXX on XX/XX/2023 The second letter was sent to TransUnion, XXXX on XX/XX/2023 The third letter was sent to TransUnion, XXXX on XX/XX/2023 The message of the first letter was : " To Whom It May Concern : I am writing to request that the following inquiries are removed from my credit report, as I did not authorize them, and they are harming my ability to obtain new credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for you prompt attention to this matter. I would appreciate an updated copy of my credit report once the inquiries are removed. 

Sincerely, " I have called them explaining the situation multiple times and they claim that they can't do anything to help me. 

For this reason I am filing a dispute, I need help, 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 2023-04-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed. This is not only effecting myself, but my children and family as well.

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 2022-02-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 XXXX  XXXX  Services a vendor with my servicing company Community Loan Servicing removed the lock on my front door after deerming my home unoccupied. I have filed XXXX complaints and still don't have a clear answer to the main question. So I am asking again. How did my home get classified as vacant without attempts to notify me? How many times was attempted contact made and by whom? What time of day? Were materials left and if so where did the inspector place them? When was community loan servicing notified that property was vacant and did anyone try to contact me to confirm? I want dates and times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

-TRANS UNION XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX -XXXX  XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-11
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I previously submitted complaint # XXXX for this company that is reporting info that is damaging to my credit. They have refused to remove their reporting. I have since found that they are reporting discrepancies on my credit report. Incorrect Reporting of account status : Closed account reported as open, Incorrect date of last payment, date opened, & date of first delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-02-23
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Made a check deposit on Saturday XX/XX/XXXX for {$180.00}. Monday was a bank holiday, so many were closed. I called a regions banker on XX/XX/XXXX and she told me my funds were suppose to be available that same day, she told me to wait at the end of the day because ( and I believe this is regions way of creating unbalanced checking for their consumers that decided to bank with them ). Well as of XX/XX/XXXX my funds are still pending. So it's been 4 days and 1 full business day since I made the deposit on Saturday. So this process is on purpose and it's pointless to hold such a small amount in limbo.

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 2023-03-10
Company: ENOVA INTERNATIONAL, INC.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a loan for XXXX, right off the top NetCredit took a % for origination fees. The payments are outrageous, XXXX per month, the HIGHEST interest rate by Oklahoma law is 45 %, they are charging 99.49 %. I have paid back XXXX already, MORE than allowable under Oklahoma Law. My balance should be XXXX. Instead they want 4 more payments of XXXX, which is CRIMINAL. I have contacted them in writing, they refuse to acknowledge o respond in any way to my concerns. My account number with NetCredit is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX  Bankruptcy, 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 explanation
Consumer complaint received 2022-02-23
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NAVY FCU DATE OF LAST ACTIVITY XX/XX/XXXX TODAYS DATE XX/XX/XXXX I DISUPUTED THIS ALLEDGED DEBT ON XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX NOTHING WAS SENT TO ME LEGALLY TO VERIFY THIS SO CALLED DEBT. 

THE AMOUNT IS {$1900.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: VA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX 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 2018-01-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I made two regular mortgage payments which would pay my XXXX and XX/XX/XXXX payments. This payments were incorrectly posted as a principal reduction. I called to have this reversed and reapplied. When this was completed, the bank failed to effective date the transaction of XX/XX/XXXX. Therefore, not only is my interest accrual wrong but my tax statements as well. I have called three times to have this corrected to no avail. My current tax statements show I have paid interest in XX/XX/XXXXwhen in fact, I have not paid any principal or interest in XXXX. When I spoke with a woman named XXXX today, she advised me that there was nothing to correct because I paid the interest in XX/XX/XXXXand they can only report interest for a 12 month period. This is simply not true as it was paid in XXXX. I need these payments corrected with the proper posting date ; we all know interest accrues daily on mortgages so this is deceptive to the consumer. I also need my tax statements corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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:
XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX ; XXXXL XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} These Accounts, Addresses and Inquiries reporting on my personal credit file with ( EquifaxXXXX  ) credit reporting agency. These Accounts, Addresses and Inquiries was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2022 XXXX took funds from my checking account in the amount of {$8.00} without my express consent. I didnt have funds in my wells fargo checking account at the time but pay Wells Fargo {$25.00} annually to keep open a 5k personal line of credit. The line of credit had more than enough credit available to cover the {$8.00}. Instead of covering the {$8.00} with my personal line of credit, Wells Fargo instead charged me a {$35.00} nsf. I realized what happened on XX/XX/2022 and immediately covered the {$8.00}. When I contacted Wells Fargo to reimburse the fee, they rejected my request and only reimbursed {$8.00} out of the {$35.00}. I have not requested any fee reimbursement prior to this event. I spoke with multiple representatives and no one helped me solve the 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 monetary relief