BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
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:
3 nsf fees on XX/XX/XXXXXXXX XXXX XXXXXXXX. due to a {$10.00} retry payment 2 nsf fees on XX/XX/XXXX XXXX XXXXXXXX. due to a {$10.00} retry payment 1 nsf fees on XX/XX/XXXX XXXX XXXXXXXX. due to a fraudulent charge and they wouldnt let me dispute it. 


This bank refuses to work with us despite current financial difficulties due to my spouses employer refusing to pay due to the business being out of money. I tried to explain our situation and requested they work with us. They stated unless its a merchant or credit union error they will not work with us. I reviewed their user agreement and this is not listed anywhere. All that is listed is : What fees will I be charged if XXXX pays my overdrafts? 
No fees are associated with the transferring funds from savings or XXXX. For each Courtesy Pay transaction, there is a fee charged per transaction. There is no limit on the total fees we can charge you for overdrawing your account. 

In the past few months they have stolen hundreds of dollars in fees from our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
There is one student loan that does not belong to me but is on my credit report I need this removed from my credit report since it does not belong to me. I have opened an FTC tried reaching out to the bureaus as well as the furnishers but they are not being helpful I need assistance please. 

XXXX XXXX - Acct # XXXXAmt {$140000.00}

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 2018-05-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo notified me that my escrow account was {$870.00} short. I call to ask why. I was informed that my homowner 's insurance and taxes went up. I contacted both agencies and neither amounts changed. I faxed statements from both XXXX and XXXX XXXX. XXXX XXXX. I am asking for a reevaluation of this deficit. I also have 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 explanation
Consumer complaint received 2019-10-19
Company: Experian Information Solutions Inc.
State: NY
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:
Hi my name is XXXX XXXX and I am contacting you Regarding my credit reports at XXXX XXXX XXXX Experience they are all reporting false balances on my credit cards and also fraudulently reporting that my XXXX is closed when it is opened and I want this problem fixed at once. These companies need to update my balances at once and also Adequately report accounts that are open because this false information that they have reported has dropped my score significantly to the point that me and my XXXX son are XXXX because of the issues with my credit score. I have contacted legal aide and with begin legal action because this has caused tremendous problems for me and my XXXX child. Please make these agencies correct this problem at once All credit cards on my credit report needs to be updated with correct balances also my XXXX credit card needs to be reported as open and in excellent standing please make them do this at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was unemployed due to covid 19 hardship and now am facing hardship with my mortgage payments. I'm also considered high risk with XXXX XXXX  that could make me very XXXX if i end up getting XXXX XXXX  which makes it harder. 
XX/XX/20 I called shellpoint to ask to give me 180 days of forbearance under the CARES ACT with an option for another 180 days. but they were clueless and were asking for bank statements ( which they shouldn't have ). Please HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: EQUIFAX, INC.
State: NY
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 really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XX/XX/2013

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo has continually avoided to answer the question why do they view transactions covered under their XXXX XXXX program as a derogatory event. This violates their advertisement that consequences with Wells Fargo are avoided with the 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 2022-07-27
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. I opened the letter and realized this was a debt collector from yet again another debt collection agency that I just complained and tried to dispute. LVNV Funding has resold my account as if they are the original creditor and they are not. I never gave LVNV FUNDING or XXXX XXXX SERVICES my written instructions to furnish my account at all. 15 U.S.C. 1681 section 604 A Section 2 : states that a creditor can not furnish an account with the consumers written instructions. I am the consumer, and they are the creditor. That should be enough for this debt to be deleted. Also, they sent on XX/XX/XXXX that the debt was indeed valid and have chosen to keep it on my credit report but how is the debt indeed valid if they are not the current owners of the account. This account was resold to XXXX XXXX XXXX, and I received that letter XX/XX/2022. This is another clear violation of both LVNV FUNDING, XXXX AND XXXX because I asked them to delete this account as well. First off, they violated 15 U.S.C. 1681 c. ( a ) ( 5 ). This section states : no consumer reporting agency ( XXXX ) 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. This alleged debt is not a record or conviction clearly but yet XXXX has chosen to leave it on my account. Even if the account is closed it should not be on my account because according to that law stated above under the FCRA nothing should be on a consumers report unless I have given written instructions which I have not, it was a judgement, which it was not, or it is the result of a conviction which it is not. It should be deleted. LVNV and XXXX should not be able to furnish my account at all. I did not give them permission and XXXX did not dispute my account accurately when asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: NC
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 XXXX  Accounts : XXXX, and XXXX has violated my rights! 

15 U. S. C. 1681 section 602 A states that I have the right to privacy.

15 U. S. C. 1681 section 604 A Section 2 : Also states a consumer reporting agancy can not furnish anaccount without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX MY University notified me that I was approved for the XXXX grant- these grants were not supposed to be registered as loans and they have added thousands of dollars inaccurately to my overall debt on my credit report. 

I am also writing because an unverified innacurate Collection form XXXX is still showing up on my XXXX account even though the other bureaus have already found fault in reporting and removed it. What does XXXX have to verify that this account is accurate when I have been diligent in supplying them ample evidence that this account is clearly being inaccurately reported against my FCRA rights! 

And A chargeoff from XXXX that is not being reported accurately. How can a charge-off/collection also show that I paid my account on time? How does a consumer get such a major derogatory item on their credit report but yet it's reported I was paying my bills on time, every month? I have been sending in disputes for over a year and the bureaus have failed to explain how this account is still being able to be reported. It is Clearly a major violation of my FCRA rights!! 

I have written to Equifax, XXXX, and XXXX and they have refused to take these inaccuate accounts off of my credit report. Per my understanding, due to the FCRA this is highly illegal and unfair to my reporting rights. I do have the right to request anything inaccurate be removed from my credit report. 

Attached below are some of the numerous attempts I've made to get these items removed from my reports being that they are clearly inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: OH
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:
In XXXX and XX/XX/2022, I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. 

These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by credit bureau. 

Experian : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX - XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX XXXXXXXX - XX/XX/2022 XXXX XXXX  XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX  - XX/XX/2022 XXXX XXXX  - XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX : XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX  XXXX - XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXl - XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX : XXXX - XX/XX/2022 XXXX XXXX  - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX XXXXXXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX - XX/XX/2022 XXXX  XXXX XXXX XXXX - XX/XX/2022 XXXX  XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX - XX/XX/2022 2022

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 2022-08-20
Company: Nelnet, 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 have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions unknowingly authorized. There are variation of companies name, account numbers are incomplete, variations of balances. If there are 36 entries on my consumer credit file combine with all three of the major consumer reporting agencies which are XXXX XXXX and XXXX XXXX. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX XXXX and XXXX XXXX all three agencies have had data breaches. Within the last 60 days some of these transactions have appeared on my credit file. On XX/XX/2022 my credit score has plummeted over 100 points. SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Lane Bryant/Comenity Bank had been contacting people they can that are allegedly associated with me. They have been contacting XXXX XXXX ( I don't really know him well ). His mother contacted me ( who I do know ) because Mr. XXXX XXXX is tired of Comenity Bank harassing him. 

Test copied below : XXXX called again and it's a lane Bryant acct and its thru comenity bank for XXXX XXXX # is XXXX XXXX XXXX The worst part is I live in a state where Comenity Bank can't even tell my spouse if I have an account. " a non- spousal state '' This has to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4800.00}, XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Balance : {$5000.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$470.00} XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2022-08-20
Company: Westcreek Financial
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt has been placed on my credit profile, this is not my debt I have contacted this company numerous times explaining this to them and they refuse to remove this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: CITIBANK, N.A.
State: NJ
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:
Dispute ID : XXXX Date Amount Description XX/XX/2022 {$710.00} XXXX XXXX  XXXX XXXX XXXX XXXX has on their website that they will send a free return shipping label if merchandise is damaged or defective. XXXX refused to send me a return shipping label to send this item back. I sent pictures to CITI with the damaged item, I got a monitor that had a screen crack in it. I also sent pictures showing XXXXXXXX XXXX return policy. XXXX is violating their own return policy by not sending me a return label. Citi closed the dispute against me saying : We previously requested necessary information from you concerning this dispute. We did not receive proof you returned the merchandise and details of how the merchandise was defective or otherwise unsuitable. 

I sent in information showing XXXXXXXX XXXX policy is to send me a return label. THey never sent one so I can't send it back. I sent in photos and the statement that the monitor was damaged. There is a large crack in the monitor screen. I did everything asked of me. I want my {$710.00} back. I am very unhappy with Citi who I have used for many years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-22
Company: WELLS FARGO & COMPANY
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an alert from XXXX on XXXXthat an account was opened at Wells Fargo Bank on XX/XX/22 using my social security number. I called Wells Fargo and they placed a hold on the account. They told me they would send me a letter in 45 days and will not disclose further information. I demanded to be sent to their identity fraud department. After waiting on hold, I was connected to a representative who pretended she could not hear me and hung up. I called again and was on hold for 23 minutes, then disconnected.

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 2022-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Never received my bill called and they admitted they never mailed it! Now by the time I get it it will be late because they never sent it! Thinking of canceling these incompetent ones. This is the first month of this new credit card company cause XXXX the company changed who they work with and I am stuck with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TD BANK US HOLDING COMPANY
State: MA
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:
I had filed a complaint a few months ago about my bank. 
Back in XXXX and XXXX and XXXX of 2021 my bank account was hacked by someone and I had noticed it in XXXX. I had filed many disputes from XXXX till XXXX possibly into XXXX and I had filed a police report about it in XXXX. Due to not having all of my bank statements they had made a report for over XXXX $ which all together XXXX $ was the whole total. The bank had told me that it was not fraud and it was authorized when it wasnt. It was and is fraud. Once I had noticed it I had called right away. Ive gone into the bank in late XXXX all the way into XXXX mid XXXX to file another dispute to try to get my money back that was stolen from me and the women whom I spoke with said she had filed another dispute and when I had called customer service they said there wasnt an open case. Which there should have been. 

XXXX $ was stolen from me out of my savings account into my checking account which was taken from cash app. To 3 people who I have no idea whom they are. ( sherod young, XXXX XXXX and a XXXX psychic. ) Ive contacted a lawyer and the police department about all of this and I still have yet to receive my funds back nor heard from anyone about this on going issue. All I want is it solved and my money back that was stolen from me and my children. Im filing this complain and will be filing with the treasury of banks and with the state attorneys office and the USA department of treasury to see what else I can do to get my funds back. The funds that were stolen I DID NOT AUTHORIZE for cash app. Ive contacted cash app and they have nothing for protection and had told me to contact my bank and get help that way. I had letters from the bank stating that they had looked into it and seen that fraud wasnt a factor and I contacted them again to talk to someone about it and XXXX has contacted me to talk to me about it. Ive been waiting since my last dispute to speak with someone and no one from td bank has reached out. Im a single mother of 3 kids and I work very hard for my money to support my family and for my bank not to help me and get my money back for my children is disgusting to me. Td bank lets people steal money from people and let them get away with it and blame the person whom is fighting to get there funds returned when its not the persons fault. They should be ashamed of themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter. The letter that I have attached was the last letter mailed out on 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 non-monetary relief