BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: HW Holding, Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX contacted my husband and myself a few months ago in an attempt to collect a debt ( unknown to us, and much to our dismay ) our former townhome company ( who Ive also filed a complaint against ) said we owed over XXXX. I told the H.W. Agent I had proof that we did not in fact, owe anything. Not only did the lease company keep our deposit, they are violating our lease agreement. I emailed the debt collection agency PROOF of our agreement, stating that we were to tell the Company XXXX  days prior to moving out, which I did. I also sent the lease agreement, and emails exchanged with the former property manager. Wouldnt it be up to hunter war field to help me figure this out? I have tried emailing them, they are not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: TX
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 been battling these unverified and inaccurate accounts for awhile now and this haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that these accounts have different values and information. 

Also, there are some unauthorized inquiries that I don't recognized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: TRUIST FINANCIAL CORPORATION
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:
Never open up a truist bank credit card from XXXX to XXXX. This is fraud and theft. This is on my credit report from 3 credit bureaus and needs to be remove immediately. The account # on my credit report is 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 2023-06-06
Company: Experian Information Solutions 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:
I double-checked my report and verify these accounts appeared and I have no idea where it came from. I demand the accounts listed below to be removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attached below is a copy of Identity Theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My XXXX XXXX was over XXXX and yet Wells Fargo gave a very high interest rate and after paying XXXX years it still only paying interest only and my principal is still pending. Wells Fargo is not upfront with the payments and paying of interest and principal

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 2023-06-14
Company: World Acceptance Corporation
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: Account status incorrect

Complaint:
This account is over 7 years old. They had a duplicate account and one fell off, They refused to take the other account off. I disputed this account about a week ago and they took off paid collection status when I let the credit bureau know that the date of last activity is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I open a XXXX account with Wells Fargo and evertime deposit will be made from job money will be took from my account and the next or XXXX  days later money will be put back or sometimes never and I called Wells Fargo bank they act if they couldnt do anything about I try ask for cooperation office number they didnt want give me the number so I end remove my direct deposit from there bank because I was tired of money getting took out of my account unannounced and tired of calling and the bank act if they couldnt do anything about it!! So I just let account close and never want to bank with them again and whoever created Wells Fargo need XXXX whooping for allowing money to get took out of everybody account with out know and dont know where the money is getting took from.!!! Over XXXX hundred has been took from my account have of I still havent seen.

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 2023-06-06
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I tried to get a loan and was turned down

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was taken in by a XXXX XXXX  pretending to be a XXXX  who would help me XXXX  to the XXXX. They are listed on the uk.gov website as a scam, and when I found this out I attempted to contact Bank of America but they wrote back and said that the money was legit.

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 2023-03-09
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair act this creditor has violated my rights under the FCRA 15 U.S.C 1681i, section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can't not furnish an account without my written instructions. Under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 

XXXX  XXXX ( XX/XX/XXXX ) (, XXXX, XXXX, XXXX, XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XX/XX/XXXX ) ( XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ) ( XX/XX/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 2023-01-22
Company: ERC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ENHANCED RECOVERY ACCOUNT NUMBER # XXXX HOW THIS DEPTH COLLECTOR RECEIVED THIS ACCOUNT AND WHERE THIS {$69.00} DOLLARS COME FROM??? 

XXXX  THIS ACCOUNT DOES NOT SHOW UP ON CREDIT BUREAU SUDDENLY SHOWED UP ON MY REPORT ON XX/XX/XXXX I don't know this account and I don't owed any {$69.00} dollars for this account IT IS UNKNOWN THE ORIGINAL CREDITOR AND ORIGINAL AMOUNT OF THIS ACCOUNT. 
I AM REQUESTING TO ORIGINAL CREDITOR AND ORIGINAL CONTRACT OF THE OPENING OF THIS ACCOUNT WHRE AND HOW THIS ACCOUNT OPENED????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hello, I sent the credit bureau " Transunion '' asking them to verify the debt on my report, and they have sent back stating that everything has been verified correctly. My credit report is still showing inaccuracies. 

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. 


Collection Account number 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 2023-01-22
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2023, there was written correspondence ( Commercial Affidavit ) sent to the XXXX XXXX XXXX Equifax, XXXX. I explained very thoroughly about the information within the Consumer Credit File was incorrect and needed to be removed IMMEDIATELY, as it was causing major harm to a Federally Protected Consumer. It is denying me the RIGHTS that are granted to me to secure what is needed for family, personal and household purposes. I also included the account information that I wanted to be removed because the information was wrong and the third party debt collector had no verification or validation that the alleged debt was owed but Equifax XXXX XXXX decided to furnish the information anyways without any prior written consent and pursuant to15 U.S. Code 1681b - Permissible purposes of consumer reports they are in direct violation. I gave notice of my fee schedule for Equifax, XXXX being willfully noncompliant by furnishing consumer credit files that are misleading and false. I have attached the letter that was mailed and also an invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
That when the state was sending out stimulus direct deposit and child tax credit they on their own credit your account with out your knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This complaint is a follow up to Complaint # XXXX. I am still unable to unfreeze my credit report. When I call Equifax, the automated system says the information they have for me is inaccurate ( meaning my name, dob, SSN , street address, etc ). Even though the system says the address I input is incorrect, I did receive a letter from them dated XX/XX/23 regarding my request concerning inaccurate information your Equifax credit file. I DID NOT make this complaint. My complaint is that I am unable to Unfreeze my credit report!!! I can not get a credit application reviewed & approved because my Equifax report is locked!!! 

I will contact an attorney if I can not get this corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, I purchased 2 tickets using my Wells Fargo credit card for flight for XXXX. The transactions werent going through with the phone representative, so I got on the phone with wells fargo to help the transaction go through. It finally did once XXXX individual tickets were purchased. However, I was charged for the XXXX separate tickets as well as the larger transaction for XXXX tickets. I reported the error to Wells Fargo and they opened a claim. However, they closed the claim since the amounts did not match. I reopened a claim. The claim was closed again. This cycle has repeated. This has not been resolved for going on 4-5 months now and Wells Fargo is not resolving the issue and instead making me reopen a claim they will not solve just close again triggering the 120 days they have to look into the claim. They owe me over {$2000.00}. My claim number with Wells Fargo is : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/XXXX I received a copy of my credit report to ensure all information is accurate and legitimate. I notice XXXX XXXX is reporting false and inaccurate information to XXXX XXXX XXXX XXXX XXXX, PA XXXX, Equifax XXXX XXXX XXXX XXXX, GA XXXX, and XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX 

The information they are reporting is inaccurate and a violation of HIPPA privacy. 
XXXX XXXX account # XXXX, XXXX, XXXX two are DUPLICATED on the Credit Reporting Agencies Someone else personal medical information is online with the above companies. I am asking this matter be investigated and validated. According to federal law 15 USC 1681 s-2 ( 9 ) this is a violation of my right. 

This account was part of a I.D . theft claim that I previously reported, this is a violation of reinsertion requirements due to the Credit Reporting Agencies having allowed it back on the credit report. They have violated 15U.S. code 1681i Also XXXX continue to report XXXX XXXX Account # XXXX on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Blockchain.com, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have ~ {$65000.00} in crypto assets on blockchain.com. On XXXX XXXX XXXX, my account was locked from trading or withdrawal on the basis of identity verification. I started a support ticket then to get help and the support officer asked for information to process the ticket. I provided the information requested immediately, but did not hear back. I followed up continuously over the past few months on the online chat function as well as on the ticket. However, they kept referring me back to the ticket and asked me to reply to the ticket, which has received no response. I would like to withdraw my assets immediately. This is extremely unacceptable and the company needs to provide a satisfactory resolution path asap. Blockchain.com looks like a reputable platform with " security '' features, but it's simply not acceptable to take months for consumers to access and withdraw their assets. I would not recommend this platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: AL
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:
I maintained an account with Wells Fargo for the past XXXX or XXXX  years and while banking with them I experienced numerous overdraft fees and each time that I reached out to them they could not explain the excessive overdraft fees. I would like to speak to someone to see if I can be compensated for all the excessive fees that I paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is my business checking account. My accounts payable person paid a vendor XXXX XXXX XXXX XXXX  via ACH there were XXXX payments made XXXX XX/XX/2022 XXXXXXXX XXXX in the amount of XXXX payment ID XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX Payment ID XXXX XXXX XXXX in the amount of XXXX Payment ID XXXX My accounts payable per had the correct routing number but on number missed ( left off ) of the account number of XXXX XXXX so we didnt know until our vendor called for payment at which time I called Wells Fargo and filed for them XXXX XXXX it and let me know. I did this the first time XX/XX/XXXX, we called several times between the XXXXXXXX XXXX and XXXX. I then went to my branch and spoke to XXXX XXXX XXXX and he started working on it I didnt hear from him so I went back and spoke to him again. These interactions were at the branch in XXXX XXXXXXXX XXXX on XX/XX/XXXX and XX/XX/XXXX I got a call from corporate and the lady told me XXXX XXXX XXXX XXXX has the money I ask how can that be the routing number was correct and it was XXXX XXXX XXXX she said she doesnt know but I have

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: IL
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 am XXXX XXXX and I want you to remove this fraudulent accounts in my credit report! I need your help because i'm having a hard time right now to call them.

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 2023-06-14
Company: AMERICAN EXPRESS COMPANY
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
American Express has a well advertised policy wherein they will only perform a hard inquiry only under the conditions that A ) you are approved for a card and B ) you choose to accept the offered card. On XX/XX/XXXX, I consented to a soft inquiry to see if I may be pre-qualifed for an American Express Hilton Honors credit card that I was interested in. 

My application reference number is XXXX, and this is a link to the application landing page for the card I applied for : https : //www.americanexpress.com/us/credit-cards/card-application/apply/hilton-honors-credit-cardXXXX XXXX  The very beginning of the application says the following : " Know if youre approved for this Card with no impact to your credit score. This process helps you apply with confidence. Heres how : Complete the application. Well let you know if youre approved first without any impact to your credit score. If you choose to accept the Card, the information we provide to credit bureau ( s ) may impact your credit score. '' Thus I believed I was consenting to a soft inquiry, but did have the understanding that this would become a hard inquiry if I was offered a card and chose to accept it. Unfortunately, American Express contradicted their own terms and marketing materials by placing a hard inquiry on my XXXX credit report despite denying my application. The hard inquiry decreased my XXXX XXXX XXXX credit score which further contradicts American Express ' promise to consumers of only impacting their credit score if they are approved for the card. 

I have called American Express to see if the inquiry can be removed or if the decision may be reconsidered. I was advised that the decision on the application could not be reversed and two AmEx representatives told me to contact XXXX to file a dispute when I mentioned my grievance with the hard inquiry. XXXX 's policy is that disputes on inquiries XXXX only be submitted to XXXX in the event of identity theft. I was then advised by an XXXX representative to dispute the inquiry with American Express. I am instead submitting my complaint to the CFPB because I have already tried to resolve the issue with American Express and have thus far been unable to do so.

Company response to consumer: Closed with non-monetary relief