BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-19
Company: WELLS FARGO & COMPANY
State: DE
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 from wells fargo bank is reporting a fraud account # XXXX balance {$570.00} on my credit reports as charges off when this was a result of fraud disputed with the Bank and they neglected to follow up with the proper fraud dispute and remove the fraud account from all credit reports since i never received a card or applied for one.

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 2021-04-30
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX XXXX called me around XXXX and asked me to open a checking account. Around XXXX banks no longer mailed cancelled checks or checks cashed by biller, back to the payer or account owner. They now scan these checks. Santander has debited checks made to biller XXXX who have not signed the back of the check. Also Santander Bank who took over XXXX XXXX accounts is not debiting purchases made with debit master card immediately. Causeing overdrafts. The reason being around XXXX, I opted out of being able to over draft my account with my debit card. These purchases or transactions are supposed to be turned down or cancelled for insufficient funds. Santander Bank told me that I am still opted out of being able to overdraft, but tonite, they have decided to keep a debit card purchase made to XXXX 's on XX/XX/XXXXat XXXX, in pending status, without debiting it from the account balance, which would have prevented other purchases ( that are pending and debited ) from being allowed to go through. Also, Santander customer service assured me that their calculator is never wrong and that purchases are debited immediately after appearing in the account and not held in pending without being subtracted from balance, as is the case now. And if purchases do not show up after being made with debit card, then they were turned down or cancelled purchases.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-12
Company: Experian Information Solutions Inc.
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:
I have sent numerous ( 10 ) certified and Notarized letters to Experian to correct errors found on my report but to no avail the reply Ive gotten back is that all information has been verified and or updated. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have repeatedly requested the names, addresses and telephone numbers of individuals Experian contacted during their investigation and again still no avail. In addition, I have asked Experian in a written notice making a correction on my name as they have incorrect names listed on my report. Again, incorrect information they refuse to correct. I have sent copies of my identification to include Drivers License and SSNcard repeatedly. Again, still no avail. After several ( 10 ) unsuccessful letters, I have experienced tremendous stress and anxiety as a result of multiple attempts to correct Experians false reporting and failure to correct such errors which my identification has repeatedly been provided and the letters sent were Notarized. The entire experience and  repeated attempts for correction has imposed upon my significant distrust, frustration and distress, and has rendered me hopeless as to my ability to regain my good name and the credit rating that I deserve and has worked hard to earn. On multiple occasions I have initiated disputes with Experian ( Proof of Certified  tracking : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ). My requesting that Experian correct and/or delete a specific item in my credit file that is blatantly inaccurate, by failing to conduct a reasonable investigation into my disputes in this regard, Experian willfully and/or negligently violated the Fair Credit Reporting Act 611 ( a ) 15 U.S.C. 1681i ( a ) ( 1 ) with respect to each dispute lodged. I have been attempting to get multiple issues resolved consistently since XX/XX/2017. Ten ( 10 ) certified and notarized letters should warrant an expedited resolution

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 2018-02-06
Company: AmeriCollect
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt was undertaken during an incident that occurred due to being XXXX XXXX XXXX XXXX. When the settlement came in, it was for less than expected and it didn't cover all my bills and time off work. 

The hospital refused to recognize my insurance at the time, stating I would have to be personally responsible for the entire amount. 
I tried repeatedly to work with them, attempting to file for Indigent negotiations, and tried to negotiate a settlement that would have made with my settlement. 

They avoided final discussions, entered it into collections and added to my credit report during negotiations ; even after was told repeatedly that they would not do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I received an email several days ago that I needed to change my password in Venmo due to someone trying to access my account. I tried to do so, and ever since am receiving an OAuth 2 error and no support or response from Venmo.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
By the way, also following Federal Trade Commission report # XXXX and previous CFPB Complaint against debt collection agency # XXXX. As a consumer I have rights. I may only be XXXX XXXX XXXX with being new to credit only having a credit card or two of only XXXX dollars in knowing my rights. There are laws that abide to me and I will exercise them over my body. 15 USC Code 1 692 ( g ), 15 USC Code 1681, On XX/XX/, I was alerted that an account was added to my credit profile. I want everyone to be aware that I am not liable for this debt with XXXX XXXX XXXX XXXX nor have I received a contract or any form of a statement from Fair Collections and Outsourcing ( FCO ) no paperwork was sent to me prior to adding anything to my credit report. 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 an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with fair collections & outsourcing. DO NOT RESPOND TO THIS COMPLAINT AS " VALIDATED ''. I AM FILING THIS COMPLIANT IS TO ENSURE THAT THE ACCOUNTS WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). I WILL SEEK ATTORNEY REPRESENTATION GOING FORWARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
XX/XX/XXXX   I had several insurances that were due, I informed my insurance company I could pay one now and the other on payday. They told me that would be okay. I paid the homeowners insurance as stated on payday. Weeks later I received a letter from my mortgage company telling me my insurance lapsed ( one week ) and they needed proof from my insurance company or they would provide home insurance. I responded to the letter by contacting the mortgage company informing them I had already paid my insurance. Also my insurance company sent them the information as requested. A month later I receive a letter again, I contacted the mortgage company and was told to ignore the letter because everything was okay. Three months later ( XX/XX/XXXX  ) I receive two letters that seem very threatening, telling me I owe them {$100.00} and if I don't paid they are going to add this to my mortgage. In my XXXX  years I have never heard of anything so ridiculous as this.

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 2018-11-27
Company: CITIBANK, N.A.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account and a savings account late XXXX, 2019 with citibank under a promotion they were running where you would get a {$400.00} bonus if you opened both accounts and put so much money in the account for 60 days. I did meet the requirements and had not received my bonus money so I called. I was told I had to wait another 90 days to receive the bonus money, so it should be in my account middle of XXXX. I just called today to inquire and the gal originally said I had to wait until XXXX for the bonus. After I explained to her what 60 days plus 90 days equals in months she proceeded to calm down and look into it further. After being on hold for 10 minutes she came back and said I should have been paid last week but for some reason I wasn't and she would have to transfer me to someone that dealt with online bank accounts. She proceeded to hang up on me. I would like my {$400.00} bonus money paid as agreed by 2 parties now that said I met the requirements for the bonus money, as well as a look into the poor customer service I received on the phone today. XX/XX/2019 roughly XXXX central time. 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 monetary relief
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2019-07-20
Company: CITIBANK, N.A.
State: WY
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 Wyoming XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1.CITIBANK USA , NA XXXX XXXX XXXX XXXX XXXX , UT XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies. i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against 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 2023-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: 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:
I am the victim of identity theft. My ATM/Debit card was stolen and was used for an unauthorized XXXX XXXX Emergency Transfer transaction on Friday XX/XX/2022, for {$1800.00}. and XX/XX/2022 for {$990.00}. I did not authorize any transactions on or after this date, and I did not authorize anyone else to use or request a XXXX XXXX Emergency Transfer in any way. One claim was approved the other was not. I have requested what information was used to approve the claim in the amount of {$9600.00} I have been told there is no information.

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 2019-12-01
Company: WESTERN UNION COMPANY, THE
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I received a call XX/XX/2019 from XXXX pretending to be XXXX Customer Service.They said XXXX XXXX had taken XXXX put of my bank account and that they wanted to refund my money since I did not want XXXX XXXX.Told me to download western union app so they could refund my money.I did not receive a refund they took money out of my bank account using my debit card.transfer # XXXX in the amount of XXXX sent to XXXX XXXX ( whom I do not know in XXXX XXXX XXXX ) .I received an email saying he picked money up.Also they transferred more money the same way transfer # ( MTCN ) XXXX in the amount of XXXX as a donation to western union.I did not send money to neither one and these transactions were not approved by me.My bank is XXXX XXXX XXXX  in XXXX WV XXXX.Contacted them canceled debit card or they would have hacked more money out of my account, bank said they tried 3 more transactions.Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: CA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm a XXXX XXXX  XXXX from XXXX  and I had a mortgage through flagstar bank and my payments where taken out of my check every 2 weeks and deposited into a flagstar account wich was always locked I could not touch the account. From XXXX to XXXX I made my payments then I started getting letters saying my payments was not made and I was behind but my money was being put into the flagstar savings account that they only could take money out of. Well I got so far behind and hit with late fees that I was like 20 grand behind but my account had the money in it well come to find out they sold my mortgage and didn't tell me. They wouldn't work with me to get the house back they wanted all the money. So I lost the house. They sold it for what I owed and they still are saying I owe them the money I was late on. They are the cause of me living on the streets my credit score is awful and can't get no lines of credit I filled XXXX XXXX XXXX and now I live with family with no car and I have kids. Can you please help me I feel I was victim to fraud and also victim to predatory lending and it has had a huge negative impact on my life and mental well being. 
Thanks for your time

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 2021-01-27
Company: EQUIFAX, INC.
State: WV
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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