BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo Bank Settlement 2022 - I believe I qualify.

There were numerous times over the last few years that I had to contact Wells Fargo regarding my account due to Overdraft Fees that I didn't feel were justified. I noticed and addressed with various bankers that a large amount of small payments would stay " pending '' for longer than usual, then they would allow a large payment ( rent ) to go through before a deposit. This would tank my account, then they would allow my deposit to bring it back up, then they would process all the small amounts at once and charge me overdraft fees for each. I have called each time and while they never fully refunded the fees, they would say " we can reimburse you a percentage '' and that percentage would change each time I spoke with them. Sometimes, they would claim I had met my limit on getting fees overturned and would deny my request.

I am unsure how to submit a request to be a part of this settlement, but I do believe that I qualify. I do believe that Wells Fargo continuously took money from me in fees, unnecessarily.

Thank you for your time and 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 explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: GA
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:
Identity Theft Report Attached. 

Listed in identity theft report is fraudulent inquiry XXXX XXXX XX/XX/2021

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: Experian Information Solutions 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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of fraud and place credit alerts on all three bureaus I have had a judgment placed for a car I did not buy but still took the punishment and did a bankruptcy to clear it. Here we are 5 years later and instead of improving my credit went to worse but I dont understand how they get through my alerts if XXXX cant even answer the questions. I am a victim of data breach thru experian and had a supposed help for fraud and still nothing I have not had any inquiries for credit since my bankruptcy except for a car loan thru XXXX financial and that is it. I try to contact the credit bureaus and form a complaint but the negative still remains and inquiries still remain how can I have paid off 4 vehicles and my credit is less than before my bankruptcy?

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 2023-01-13
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX are depriving me of my rights and are conspiring against my rights which .they are being negligent and willingly noncompliant. I offered a conditional acceptance of any alleged debts upon a lawful proof of claim which they failed to respond to. I gave them a chance to correct their error by sending them a notice of fault : opportunity to cure which they failed to provide a lawful proof of claim as well. I then sent them a notice of default and consent to stipulation agreement to the facts in which they failed to rebut .they have violated my rights under the FDCPA, FCRA , TILA, GRAMM LEACH BLILEY ACT, the UCC , and the US CONSTITUTION.they have breached and exposed my private information and financial data .they are using XXXX XXXX to commit fraud & are attempting to swindle and oppress me .they refuse to provide me with the information they used deem the alleged debts in question as valid .they have not given me the full file disclosure I requested as described 15 U.S.Code 1681g and all other documentary evidence, including books of account, both journal and ledger in accordance with 15 U.S. Code 44 and IRS publication 583 including any and all accounts made using my intellectual property, my signature, associated with this account both public and private. they have not provided me with any chattel papers I requested as described in UCC 9-102 ( 11 ) to deem any alleged debt valid. I was never given a full disclosure of the determination of the finance charge nor was I given a full disclosure of the determination of the annual percentage rate. They allegedly charged off the alleged debts in question, writing it off as a loss but are still attempting to collect an alleged debt. I have receipts of NAVY FEDERAL and XXXX XXXX management harassing me, my family, and even my friends with multiple phone calls sometimes more then XXXX time a day .The codes and regulations they have violated include 12 CFR 1006.6 15 USC 1692c ( b ), 12 CFR 1006.18 15 USC 1692e ( 10 ) & e ( 8 ), 12 CFR 1006.14 15 USC 1692d ( 5 ), 12 CFR 1006.22 15 USC 1692f ( 6 ) ( a ) & ( 6 ) ( b ), 12 CFR 1006.34 15 USC 1692g ( b ), 12 CFR 1006.30 ( d ) ( 1 ) 15 USC 1692i ( 1 ), 12 CFR 1006.30 ( e ) 15 USC 1692j ( a ), 4th amendment, 5th amendment, 18 USC 241, 18 USC 242, 12 CFR 1026.4 15 USC 1605, 12 CFR 226.22 15 USC 1606, and much more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Have reached out to bank regarding access to account via mobile app and sending transfers to external accounts in my name. They've continually restricted my access until I call them and stay on the phone while they call my external bank to verify the account. This has been completed twice, and they've again denied me access to view my account until their employee calls my bank for a 3rd time to verbally verify the account I want to transfer to. I was told after verbally verifying twice already now and by verifying trial deposits, this would not happen again but it has.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting my complaint and i am very dissappointed whenever i saw my credit file with such an erroneous informations i had found and that are all unknown to me. I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. Please have them REMOVED from my credit file. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any ITEMS which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I want you to know that I am telling the truth and by XXXX not deleting these items is inadvertently. The following items are such an error to my file that needs to be deleted : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. XXXX 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 2023-09-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian left a fraudelent address on my credit report of XXXX XXXX XXXX. XXXX, CA XXXX. I have spoken to Experian over a month ago and they couldn't tell me who provide this information. I have also spoke to XXXX and XXXX this was someone attempting to use my credit and to verity a address. I had to put a fraud alert on my credit report because I was getting scam calls. 

Experian refuses to remove this fraudelent address off of 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 explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 account with account # XXXX opened on XX/XX/XXXX and a balance of {$520.00}. 
XXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$380.00}. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$300.00}. 
XXXX XXXX  XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$58000.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there

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 2023-02-05
Company: Experian Information Solutions Inc.
State: IN
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:
Unauthorized hard inquiries still being reported after I confirmed that they were not authorized. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-25
Company: OneMain Finance Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I obtained this debt due to XXXX. The collection status was deleted from my report months ago and now its showing again. This is unfair credit reporting practices under federal law. I am a XXXX XXXX  and the practices demonstrated are not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Kriya Capital, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am trying to buy a house and it's a defamation to character and livelihood by ruining my change to improve my life. A company claiming to be " Credence Resource Management. '' called me under the number : XXXX called me then asked me to confirm my name and my address. Then pursued to request a payment of {$460.00} related to nonpayment for XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My name is XXXX XXXX XXXX not XXXX XXXX XXXX. I XXXX XXXX XXXX cancelled EXPERIAN over a year ago because I wasn't pleased with their reporting and billing. Although I cancelled they keep billing me every XXXX or 3 months. I call them to stop and they will insist I request their services. They will put the money back after much frustrating conversations and threats to consumer protection agencies. This is the recent debit on my debit card that I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX Amount : negative XXXX XXXX dollars and XXXX XXXX cents {$24.00} Details Statement Description : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2023

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 2023-09-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, This is in reference to an XXXX XXXX in year XX/XX/2017 with XXXX XXXX XXXX. 
The lease/loan was paid off in full and later updated on my credit history report that we missed a payment in XX/XX/2017. There were no missed payments during the life of the loan/lease. The late payment history showed up after the agreement expired and was paid in full. We tried contacting them 2 times by phone in XXXX, requesting the account holder furnish the data in order for us to verify and work to get the correct information to reflect on my credit report. XXXX XXXX XXXX never sent me any data showing the missed payment. When I called the following month, the person we spoke was unable to find/locate any data showing there was in fact a missed payment. I believe this information to be inaccurate and is negatively affecting my positive payment history. We are asking the account holder ( XXXX XXXX XXXX ) to remove and update the payment history to all 100 % paid on time. There is no reason to show a missed payment in XX/XX/2017. 
Warmest Regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: MOHELA
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 was advised by student aid that my identity was compromise, and use to access my account. As a result, they did suspend my account and currently I do not own a student aid account. I have disputed this information multiple times, and attached the verifying email that was sent to me. 

XXXX XXXX has not remove these accounts, which came from no transactions, made by me with my Social Security number I have been a victim of identity fraud multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: SC
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 following creditors has violated my rights : XXXX Account number : XXXX Creditor : XXXX Account number : XXXX Creditor : XXXX Account number : XXXX Creditor : XXXX Account number : XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604! Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-10-29
Company: Experian Information Solutions Inc.
State: CA
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:
Fraud credit reporting Requested all of this information from all 3 credit reporting agencies and no answer and nothing was give. 

I was frauded in XXXX and XXXX and just recently notified someone tried to use my credit card.

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 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Fraud credit reporting Requested all of this information from all 3 credit reporting agencies and no answer and nothing was give. 

I was frauded in XXXX and XXXX and just recently notified someone tried to use my credit card.

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 2023-10-12
Company: Coast to Coast Financial Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Date of service, XX/XX/XXXX ( XXXX  XXXX XXXX ) invoice attached. 

First notice of outstanding debt XX/XX/XXXX ( Coast to Coast Financial Solutions ) copy attached. 

Call to creditor and collection agency XX/XX/XXXX, to explain I was unaware of any such debt and questioned if the bill had been submitted to XXXX XXXX XXXX XXXX for payment and learned it had not been presented. Approximately two years thereafter XXXX XXXXXXXX XXXX submits to Coast to Coast for collection instead of billing the insurance. 

Since the date of service XX/XX/XXXX, I changed to a different insurance provider. 
When I contacted XXXX XXXX XXXX  and or XXXX XXXX XXXX in XXXX, it was confirmed that the bill had not been submitted and there was no knowledge of the same. 

Essentially, XXXX XXXX  was never billed by XXXX XXXXXXXX XXXX and I was never provided with an form of notification until XX/XX/XXXX by Coast to Coast debt collections. 

I have requested that Coast to Coast not continue to call, mail and threaten me with negative credit reporting and instead have their client bill the insurance as they should have originally for payment. 

In my desperate attempts to have Coast to Coast stop their collection tactics, I delivered a written request for them to " Cease and Desist " from any further action against me ... ... ... ... ... ... ... ... they refused and sent communication the very next day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My lost debit card was found by someone and they spent {$440.00}. Reported to Bank XXXX immediately XXXX XXXX. Within a week gave money back but then decided to deny two different claims I made, including letter I faxed to claims resolutions. Then took money back out of my account on XXXX XXXX. The letter said I gave permission for someone to use my card. I guess they decided I lied. I've been a customer for years and never made a claim. 
I'm XXXX XXXX XXXX and have no desire to lie about XXXX, which is alot of money to me. 
No one ever called me regarding this matter, just two denial letters. 
Bank of America just really didn't care, my problem not theirs. Maybe if I had big bucks they'd care.

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