BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023, USAA sent a letter from a fraudulent incident about 90 days before where individuals pretending to be USAA had transfered {$1200.00} out of my checking account through gift cards in an elaborate scheme pretending to be multiple government agencies. The same day I had called USAA back. They had confirmed that no such call had occurred and I had reported that there had been a theft from my checking account. A reversal of the amount was immediately put back into my checking account on the same day after I had given details of the hours long phone call. On Monday XX/XX/XXXX, {$750.00} was taken out of my checking account from the dispute department without my consent, violating their zero liability policy. I had filed the first complaint. On Tuesday XX/XX/XXXX a second complaint was filed with USAA demanding the return of the funds after they had pulled {$500.00} out of the account. The letter explaining this gave no explanation as to how they drew the conclusion that this was not theft. They claimed they had made a thorough investigation when no contact was made to me for my additional evidence and no contact was made to me in general about the fraud claim. Today, Wednesday, XX/XX/XXXX, I filed a third complaint and told USAA I demanded the return of the funds to the checking account. If they do not act quickly I said, a lawsuit will be filed against them to trigger arbitration. I alerted them that I would be contacting you and be filing a complaint up to and after the filing of the lawsuit on Tuesday XX/XX/XXXX if the funds are not returned. Tuesday XX/XX/XXXX a representative claimed it would take 24 hours to assign a new representative to reopen the investigation. But USAA has done no such thing. I let them know I am already in the US Court of Appeals for another incident and I am sure they would not have any problem with me adding another case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 would like to address the presence of accounts in my credit history that do not show any monthly history. These accounts, lacking a record of regular activity, may not accurately reflect my creditworthiness and financial responsibility. It is important to note that the absence of monthly history does not imply any negative or delinquent behavior on my part.

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: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Money was taking out of my account with out my permission and sometime they take money out of my account XXXX stating I didnt pay a company when I see I paid it already

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 2023-01-21
Company: Paypal Holdings, Inc
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received and email from Paypal for antivirus software, with the name XXXX XXXX. I did not activated any of the enclosed links in the email. Again another associated with XXXX XXXX but a different physical address. Utility fee of {$590.00}. Then a thirdwhich occured in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Due to current market situation I decided to buy out my lease. I decided to go through my personal bank and obtain the loan. I mailed the check to Hyundai Motor Finance which was cashed. I called them almost a month after it being paid off with questions on why I havent received my title. They then told me I had to request the title to be sent out. I requested the title to be sent to my XXXX XXXXy address since it was more convenient at the time. I called twice to make sure the title was sent to my XXXX address and was assured that it would. XXXX month later still no title at my XXXX  address or XXXX address. They also told me that the title needs a signature or else they carrier will not deliver it which would then be returned to Hyundai and they can re send it. That never happened. asked Hyundai to escalate my case and have not heard from them since. They want me to mail them a letter with money in order for them to send me another title. Every time I give them a call, I get the run around and I am OVER IT. I need my title!

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 2023-02-11
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The Collector Failed To Validate Debt Which is a violation under Fair Debt Collection Practices Act ( FDCPA ) Dispute was Submitted on XX/XX/2023 File number XXXX Estimated completion date XX/XX/2023 ITEM IN DISPUTE : CREDIT MANAGEMENT LP DISPUTE REASON : Accuracy There were fraudulent charges made on this account. 
The " Account in Dispute '' remark is missing or incorrect. 
CONTACT INFORMATION CREDIT MANAGEMENT LP XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

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 2023-08-14
Company: EQUIFAX, 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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY IDENTITY WAS STOLEN YEARS AGO BY MY MOMS XXXX  HUSBAND. HE STOLE HER PERSONAL DOCUMENTS ALONG WITH MINE AND SISTERS FROM HER FILE CABINET AND WOULD OPEN ACCOUNTS UNDER OUR NAMES ONCE HE LEFT HER. WEVE BEEN TRYING TO TRACK HIM DOWN FOR YEARS BUT HAVENT BEEN ABLE TO FIND HIM. IM WILLING TO PRESS CHARGES ON HIM IF HE IS FOUND. PLEASE BLOCK AND REMOVE THIS INFORMATION FROM MY CREDIT REPORT IN XXXX DAYS.






FRAUDULENT ACCOUNTS:




Account name

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PHONE NUMBER: 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 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My credit went from a XXXX to absolutely no credit for no reason in XXXX and XXXX And really screwed thing up for me getting any type of financial help. I have since git it back up to a XXXX but I want to know why all of a sudden my whole credit score was erased

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 2023-08-14
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$790.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NATIONSTAR ( AS AN ALLEGED MASTER SERVICER OF A REMIC TRUST AND ALLEGED ATTORNEY IN FACT OF THE SAME REMIC TRUST ) CONTINUALLY ATTEMPTS TO COLLECT AN ALLEGED DEFAULTED DEBT ON BEHALF OF ( AS AGENT ) XXXX XXXX XXXX XXXX XXXX XXXX, AS TRUSTEE OF AN UNKNOWN REMIC TRUST. 

XXXX XXXX XXXX XXXX XXXX XXXX IS NAMED ON ALL COUNTY RECORDED DOCUMENTS, AS THE TRUSTEE OF AN UNKNOWN REMIC TRUST. 

XXXX XXXX XXXX XXXX XXXX XXXX DOESN'T APPEAR ON THE XXXX XXXX HIERARCHY ( FDIC AND NIC ) AS A LAWFUL ENTITY OR AN ASSOCIATE OF THE XXXX XXXX FAMILY. 

XXXX XXXX XXXX XXXX XXXX XXXX DOESN'T APPEAR ON THE CALIFORNIA SECRETARY OF STATE REGISTRY AS A BONA FIDE LAWFUL ENTITY. 

XXXX XXXX XXXX XXXX XXXX XXXX DOESN'T APPEAR ON THE " SEC REGISTRY '' AS A BONA FIDE TRUSTEE OF ANY REGISTERED REMIC TRUST. 

NATIONSTAR FOR THE LAST 2 YEARS HAS REPRESENTED ITSELF AS AN AGENT FOR THIS " LEGAL FICTION '' AND PREVENTED US ( BY DISPARAGEMENT AND/OR SLANDER OF TITLE ) FROM SELLING THE PROPERTY IN QUESTION AND PAYING THE LAWFUL CREDITOR ( UNKNOWN AT THIS TIME ) TO DISCHARGE THE ALLEGED OBLIGATION BALANCE AND MOVE FORWARD WITH OUR LIVES. 

NATIONSTAR FOR THE LAST 2 YEARS HAS REPRESENTED ITSELF AS AN ATTORNEY IN FACT FOR THE " LEGAL FICTION '', AS TRUSTEE OF AN UNKNOWN REMIC TRUST. 

NATIONSTAR USED THE " FALSE '' PERSON RELATIONSHIP TO SUBSTITUTE IN A NEW DEED OF TRUST " TRUSTEE '' ( XXXX XXXX XXXX ) TO FACILITATE A FALSE FORECLOSURE ACTION AGAINST THE SUBJECT PROPERTY. 

THE REMIC TRUST FOR THE LAST 2 YEARS HAS BEEN IDENTIFIED ( COUNTRY RECORDER, MERS WEBPAGE, RECORDED DOC 'S ) AS THE " MORTGAGE ASSET BACKED PASS-THROUGH CERTIFICATES, SERIES XXXX XXXX '' THIS IS THE TITLE OF THE SECURITIES ( I.E. THE BRAND ), NOT THE NAME OF A BONA FIDE REMIC TRUST ENTITY ( PERSON ). 

THIS IS LIKE IDENTIFYING " XXXX XXXX '' AS AN OWNER/HOLDER OF DEBT AS OPPOSED TO " XXXX ''. THE ONLY DIFFERENCE IS THAT " XXXX XXXX '' IS A BONA FIDE BRAND OF " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I walked into the Citizens Bank branch on XX/XX/XXXX closed my account and withdrew the money from the account. While in the process of changing bank information for all automatic payments on XX/XX/2018, XXXX, XXXX, and XXXX the bank allowed all automatic payments to go through while there were no funds there and a request for the account closure was previously made. The payments were reversed however the bank still charged overdraft fees. 
Also, the day I closed the account the branch teller did not request that I needed to sign an account closing form to make it official. I left the branch thinking my account was closed. No other information was read to me and no information was given about the bank 's procedures for closing an account. The bank account remains open and overdrawn in the amount of {$370.00}. I have spoken to customer service they told me they can not reverse these fees only the branch can. I spoke to the branch manager, XXXX, she told me that she is not allowed to refund that amount. She sent an approval request to the bank 's higher manager 's they denied the request. I wish to have my account closed as requested on XX/XX/XXXX when my account was with a positive balance and the amount of {$370.00} reversed. Thank You.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been a Wells Fargo customer since approximately XXXX. During that time I have had checking and savings accounts the entire time. I have also had my school loans through Wells Fargo which were paid off in approximately XXXX. I also had multiple home loans between approx XXXX and XXXX. 

I have become aware that there is a consumer lawsuit that has been settled which affects customers of WF during this time period that had various accounts and loans. Obviously since I had many types of accounts during the time period in question, Id like to find out if this affected me at all and if I am owed anything to correct the issue. 

I do not feel comfortable supplying my account number. I will supply my current address which Wells Fargo has listed for me currently and they can look up the account numbers and loans associated with my name.

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 2023-05-22
Company: Experian Information Solutions Inc.
State: NV
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:
Debt was paid in full. 

XXXX Balance of {$150.00}

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: FL
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:
I had an auto loan with Wells Fargo, and that stated I had several late or missed payments which I never did. I also used it as a trade in and they reported it as closed delinquent account instead of paid off early which has damaged my credit report Ive tried for two years to fix and nothing.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
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:
My Wells Fargo credit card inaccurately continues to report my account as OPEN despite the fact that my account was CLOSED by Consumer almost 60 days ago in willful violation of the FCRA which requires PROMPT reporting to every CRA when an account is closed. Closure should have simultaneously updated the Closed status using XXXX XXXX so Wells Fargo is NOT XXXX XXXX Compliant as the account was required to be reported as Closed almost 2 months ago. I ask for {$1000.00} in statutory damages for Wilful Violations of the FCRA for continuing to report my Closed account as Open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
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 use the Experian app to monitor my credit. I contacted Experian on XX/XX/XXXX at approx XXXX because I saw XXXX new credit inquiries. 
XXXX ) They occurred on : XX/XX/XXXX for XXXX XXXX XXXX XX/XX/XXXX for XXXX. 

XXXX ) I did not apply for any new credit with these XXXX companies and disputed both inquires. 

XXXX ) I did contact the tel numbers below that were listed on the inquires but was not able to reach anyone. 

XXXX XXXX XXXX XXXX ) I disputed the inquires, requested to freeze my credit profile and to put a fraud alert on there as well. 

The customer service representative informed me that they will remove the inquires and inform XXXX and XXXX for the fraud alert.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Wells Fargo charged me for fees, sating that I had drained my account of XXXX $ I said that I was working in XXXX XXXX..they insisted I was in XXXX XXXX at a gas station. 

I had to get a new account ... while being out of money. 
I had an expired ID.. they allowed me to open an account. 

Apparently they kept this account open..and I could check on its balance for some reason years later. 

I then read about branches of wells Fargo funneling money through expired accounts. 

This company has over charged me fees through meticulously Rearranging debit card transactions ... for years and I can only pay them. I have paid XXXX $ for a pack of gum and a sandwich at one point.

They forced higher prepaid credit limits on me, with out my consent..stating that I should have just said no. Essentially they broaden my credit limit..which means..I now owe them ... at first XXXX XXXX then XXXX XXXX and now XXXX XXXX They never asked me..they just raised the amount and forced me to pay it ... with ... ridiculous fees if I don't meet their quotas. Now I'm stuck in their game. I called them ... they shrugged me off. 

I can go on if you need to contact me further.

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 2023-01-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX has reported XXXX of my credit card accounts as Past Due but none of my credit reports contain the required XXXX XXXX field of Date of First Delinquency to comply with the FCRA and XXXX XXXX. XXXX is NOT XXXX XXXX Compliant mandating deletion of my accounts at least until the required field of Date of First Delinquency is entered into XXXX XXXX and displayed on my paper credit reports. Failure to promptly update my file with the Date of First Delinquency for each account of XXXX shall be considered to constitute separate and distinct willful violations of the FCRA and deliberate disregard for XXXX XXXX Reporting obligations.

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