BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-23
Company: WELLS FARGO & COMPANY
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I deposit appoximately XXXX in order to cover all my bill payments. The bank name Wells Fargo has charged me overdraft fees for no particular reason, I was told anytime, when you deposit funds in your account when your balance is in the negative, and you deposit your funds into your account, there should be no overdraft fees. While Wellsfargo charge me up to XXXX overdraft fees, for nor particular reason. and could not address the issue of why the bank did so. I was told by a rep that if my account access a overdraft fee is to call back to the back and the bank will resolve the issue. Well I was misinformed about the situation when I talked to another rep, to resolve the matter. And the rep told me I should have gotten the rep name and number. I feel like Wells Fargo is a scam. Why would I get the rep number and call the rep concerning my account. I was treated very unfairly and I decided to file a complaint. Wells Fargo has charged me XXXX in overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Transworld System , Inc. ( XXXX ) has repeatedly called my home several times a day for over a week. Knowing that we do not have any late bills, we called them back to day ( XX/XX/2016 ). The agent who answered asked for the ID number that they left on our answering machine. She asked me if I was XXXX and I said no. when she asked me who I was, I told her I was her mother. I then asked what debt my daughter supposedly owed and she refused to tell me. When I told her that my daughter was dead for over 11 yrs. and again asked what the supposed debt was, she refused to tell me and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: The Bureaus, Inc.
State: PA
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : THE BUREAUS ( Original Creditor : XXXX XXXX ) -Balance : $ XXXXDate Opened : XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Franklin Collection Service, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit file I saw Franklin Collections on my account multiple times for the amounts of XXXX $ # XXXX, XXXX $ # XXXX, XXXX $ # XXXX, XXXX {$100000.00}. First off I am a veteran and the VA takes care of any and all of my medical bills. Second I never received no type of communication phone call nor dunning letter about these alleged bills. Third I contacted XXXX in regards to what i saw on my credit file they have no knowledge of these bills nor it being sent to collections because they stated they area non-profit hospital so they do not send bills via third party for payment it gets charged off if something is not paid but they have no record the these bills in their system. This is not my debt and I want this removed from all reporting agencies and credit files until they can provide LEGAL documentation stating I did business with them in which i Never have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have tried numerous time disputing inquiries on my report from XXXX 2015 to the present with bureau. I did not apply for a job or was granted credit with these people and want them removed. I have even tried sending letters to creditors with no response from the bureau or the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: BARCLAYS BANK DELAWARE
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Barclays Bank Delaware partial account number # XXXX is on my credit reports. This account isnt mine and they are violating several of my rites according to the FDCPA. They even gave another company my personal information that I didnt give them in the first place which is another violation of my rites according the FDCPA. They arent in compliance with any of the laws according to FRCA OR FDCPA. I asked for this to be verified and they still havent but yet still reporting it which is another violation.

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 2021-08-02
Company: Mountain Land Collections, Inc.
State: UT
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:
Mountain Land Collections is reporting accounts on my credit file that I need removed. I have sent them several letters and have not received a single correspondence. This debt has not been validated to me and per all the letters sent, if this is not validated, it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax, refuse to delete these unauthorized and fraudulent inquiries from my credit report even after sending them documents from the companies stated that they have no records of this inquiries. 

I spoke with Selly from Equifax fraud department on XX/XX/2016 to get this issue resolved, she stated that no matter how many letters I send, they will not remove these inquiries and she put the burden back on me telling me to contact the company who placed the inquiries on my credit report which I have already contacted and still they were not able to verify these hard inquiries and sent response letters to me that I uploaded and also sent to Equifax copies and they still will not delete the hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Diaz & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter dated XX/XX/2021 from Collection Agency XXXX Diaz & Associates XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX Legal Administrator I had no knowledge of this debt nor was any information provide to me to indicated that I owed a debt of {$2800.00} with a opportunity to pay this off with a stated amount of {$1000.00}. 

When I reached out to find this status I was advised that his a 20 year old debt, and there is no information to provide. However they where going to report it to the credit agency. 

I will tolerate being take advantage of by this collection agency, to extort money from me. Even if it is mine the statue to collect has well run out. 

I pride myself in trying to keep my credit safe and protected. 

Help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open a checkings account and they denied my application referring me to contact 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 2021-08-02
Company: Exeter Finance Corp.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
EXETER FINANCE is report account as current and also as I charge off/collection account how can an account be current and a charge off. also reporting different open dates and last date of payment. this company is reporting inaccurate Information and hurting my credit rating PLEASE REMOVE ACCOUNT IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed this alleged debt by XXXX XXXX XXXX XXXX to equifax 3 times and to XXXX. XXXX investigation took awhile and XXXX removed it from my report because it was not my debt, where as Equifax emails me the next day with the outcome " remains " and that " belongs to me '' with no other information. I had take matters into my own hands and I sent mail to this XXXX asking for correct validation and I received a letter from them stating it was not my debt. So this goes to show how much of an investigation they really conducted. Not much of one, if any at all. 
Not only this but after I disputed, my fico score dropped XXXX points. I went and bought a report and nothing had changed, literally nothing. I monitor all three reports and equifax never updates. For example, I have XXXX credit card with a limit of XXXX and had a balance of XXXX. I made a payment prior to even getting a statement or bill of XXXX. 
Equifax shows my house payment, my car, my credit card all a month behind vs the other credit agencies showing XX/XX/XXXX being pays as agreed.. They have not updated the report since XX/XX/XXXX and its XX/XX/XXXX. Also I pay for credit score monitoring via myfico and why are they reporting a XXXX point drop when there are NO changes in my report anywhere ( other then I made a dispute ) This is the worst credit reporting agency and we as consumers need our reports to be accurate and updated. I 've been waiting for them to update because I want to get different insurance for auto and home and you never know what insirance companies report they will look at. I see that experian has updated my accounts. What 's the problem here? They are completely incompetent. We rely on these companies for very important aspect of our lives and I have a really difficult time to think they take it as serious as we, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
Company: Experian Information Solutions Inc.
State: TX
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:
credit score is not pulling up also, inquiries does not belong to me XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals

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 2016-05-24
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I submitted dispute claims which included several items of dispute, via certified mail to both Equifax and XXXX, on XXXX XXXX, XXXX. Equifax received the dispute claim on XXXX XXXX, XXXX per the XXXX XXXX XXXX certified mail receipt and XXXX received the disputes on XXXX XXXX, XXXX. Per the Fair Credit Reporting Act of XXXX, disputes should be answered within 30 days. As of this date, I have not received documentation indicating an investigation of any kind from neither Equifax nor XXXX. I actually spoke with XXXX the Resolution Supervisor, ID XXXX. XXXX at Equifax. He claimed that there was nothing that he could do, but was willing to provide record of an investigation, which would have been after the 30 days. I did not speak to XXXX, but the same ruling applies, per the Fair Credit Reporting Act. 
As a result of non-compliance by XXXX credit bureaus, I am requesting that you enforce my disputed items to be removed by the bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : WELLS FARGO Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$970.00} Reason : Identity theft Please remove it 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 2021-08-02
Company: Westlake Services, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Fact, Affiant is aware and has proof in attachment labeled as Exhibit A that XXXX XXXX XXXX dba XXXX XXXX is in violation of 15 usc 1605. ( a ) ( c ). This transaction included a finance charge and the finance includes insurance which protects the creditor against the obligors loss, and or property damage. XXXX XXXX XXXX dba XXXX XXXX did not include my insurance in my finance charge. 

Fact, Affiant is aware and has proof in attachment labeled as Exhibit B that XXXX XXXX XXXX dba XXXX XXXX is in violation of 15 usc 1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. XXXX XXXX XXXX dba XXXX XXXX in fact took cash as shown in attachment labelled as Exhibit A & B. 

Fact, Affiant is aware and has proof in attachment labeled as exhibit A and B that XXXX XXXX XXXX dba XXXX XXXX is in violation of XXXX XXXX XXXX. XXXX XXXX XXXX dba XXXX XXXX willingly and knowingly failed to provide/disclose information required under the provisions of 15 usc 1601. They are now civilly and criminally liable.

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 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Last month i sent out some documents to TransUnion, XXXX  and XXXX credit reporting agency about a late payment that saw on my credit report. I submitted all the right documentation to use the CARES ACT to show that the alleged late payment should not be counted against me since i was affected negatively by the pandemic. The pandemic has hurt alot of us and the Cares Act is in place to help us ease the suffering especially financially. Please help me bc it doesn't sound like they will honor the cares act I called in and they refused to validate and remove the other late payment. The account is open and in good standing at the moment but they will not honor the CARES ACT here. Please help this is causing me stress and severely hurting my credit.

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 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the CARES Act a furnisher of data to the consumer reporting agencies allows it customers to defer payments, make partial payments, modify credit terms or make other arrangements for its customers affected by COVID 19 should not report any account as delinquent, but should continue reporting accounts as current. These requirements are retroactive to XX/XX/2020. 
XXXX, Transunion, and XXXX  did not remove my late payments on XXXX and XXXX of XXXX  with my XXXX  XXXX account. I sent letters to these three bureaus almost 2 moths ago. My letters are attached.

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 2016-03-28
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
For the past year, I have been in correspondence with Pressler and Pressler regarding at XXXX account. Prior to bring sue ( unknowingly ) by this company, I provided proof that I have been collecting unemployment benefits since XXXX XXXX. I also sent then another company in XXXX XXXX. On XXXX, XXXX, XXXX, XXXX constable by the name of XXXX XXXX withdrawal funds in the amounts of {$890.00}, which is not the amount owed, from my account without my permission. This practice is against Federal and state of NJ laws when collected monies owed. I am currently on Welfare due to my unemployment benefits being exhausted. This company is refusing to reimburse my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear Sir, My name is XXXX XXXX. 

I have a Wells Fargo XXXX XXXX XXXX XXXX that I use daily when needed. 

In XXXX I made my payment of {$100.00} to Well Fargo, my payment was due the same day I paid my credit card. I was having some hardship due to COVID. 

In the XXXX statement, Well Fargo charged me a late fee of {$29.00}. I called Wells Fargo and explained that I was having some hardship due to COVID and that is why I paid my bill the day it was due. Wells Fargo refused to waive and forgive the late fee.

I am writing to you to ask for your help in this matter.

I always pay my bill on time and I always pay way more than what is due. I believe Wells Fargo should be able to forgive the late fee, Most of the American people are having hardship due to COVID, and credit cards company should not charge us late fees because we paid our bill one day late.
I need your help in getting Wells Fargo to waive or forgive the late fee of {$29.00}.

I am not asking to suspend any payment, just waive the late fee.

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 2021-08-02
Company: EQUIFAX, 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:
According to the CARES Act a furnisher of data to the consumer reporting agencies allows it customers to defer payments, make partial payments, modify credit terms or make other arrangements for its customers affected by COVID 19 should not report any account as delinquent, but should continue reporting accounts as current. These requirements are retroactive to XX/XX/2020. 
XXXX, XXXX, and Equifax did not remove my late payments on XXXX and XXXX of XXXX  with my XXXX  XXXX account. I sent letters to these three bureaus almost 2 moths ago. My letters are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo closed our accounts with no notice, for business reasons, no other explanation was given, per " the terms on our account agreement '', they then locked the accounts and would n't let us withdraw any money for a week. In 26 years we never bounced a check. We still have not received a written notice. Their actions put us at financial risk as it was toward the end of the month, and we had bills to pay. I would like for them to produce my original agreement they said allows them to do that. This was a very abusuve action by Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation