BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
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:
On XX/XX/XXXX I sent a friends and family payment of {$440.00} on XXXX  to what was a mutual on social media in the XXXX XXXX fandom. I believed I was buying concert tickets to XXXX 's XX/XX/XXXX show, and since we were mutual followers and she ran an active fan account I didn't think anything was weird until she kept making excuses not to send the tickets. That's when I found other 's on XXXX  calling her a scammer and pointed this out to her, she told me she already spent my money and then stopped responding. I have filed a police report on top of disputing with my bank and have reported her to XXXX ( who has taken down her account ) However, disputing the transaction has been a nightmare. XXXX told me to contact my bank and they'd be able to send the information on their end to have it charged back, however my bank denied this and told me I need to contact XXXX, then I call XXXX and they tell me to dispute with my bank, this has been back and forth and I just want my {$440.00} back. I never received tickets, they did not ever exist this woman scammed multiple XXXX XXXX fans and XXXX isn't even blocking her account. I just want my money back as it is a fraudulent charge. The charges are XXXX separate charges of {$220.00} labeled ticket XXXX and ticket 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 2022-03-04
Company: EQUIFAX, 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:
I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: SECURITY FINANCE CORP
State: GA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
They keep calling my Job and harassing me about making a payment. I would like for them to stop calling my job and on a emergency line at that. I will pay the money when i get it and they can call my phone would be better.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with my home with Mr Cooper XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX I am retiring and wanted to pay off my mortgage I ask for a pay off quote and the sent one for XXXX I got two certified checked from two accounts one for XXXX XXXX and one for XXXX put them in the same envelope and sent it certified male they sent me an invoice said the needed XXXX for an escrow shortage as the had paid insurance and taxes for next year I called and they said they received the certified letter at the XXXX and if I played the XXXX my mortgage would be played off so I had them take it out of my auto pay account and then was told to go on the web site and shut off the auto pay witch I did and then the sent a statement that said that they only received XXXX and just called them and they have stated that they never recieved the XXXX I believe they are trying to rip me off and I have stoped payment of XXXX check to them I don't believe any one should do business with them they messed up the insurance payments and the insurance company keeps sending me the over payment back I call they say it is a problem with XXXX I call XXXX XXXX they tell me that they have no policy for me it stressed me out so bad I desided to pay off the loan we do they insist in ripping off old people?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2022-10-19
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-06-29
Company: EQUIFAX, INC.
State: KS
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:
According to my research about FCRA 605, Equifax and XXXX Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX  XXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, KS XXXX ; XXXX XX/XX/2021 ; XXXXXX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This account XXXX XXXX XXXX was not mine but I paid it in full because I'm in the process of buying a house and the Creditor when I reached out to them stated that they XXXX XXXX XXXX  would removed the account from my file. 

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have reported to XXXX, XXXX, Transunion that they are reporting in accurate inquires on my report. They refuse to remove the inquiries. They have not provided proof that I approved these inquires on my report. There are no attached accounts to these recent inquires,

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 2023-03-29
Company: SANTANDER HOLDINGS USA, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XXXX XXXX I was XXXX  in Washington XXXX DC. They took my car, wallet and phone. This held me up in paying my bills as I had no access to money, telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 Fair Credit Reporting Act, Capital One has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern at CFPB, Since XXXX, I have held a mortgage with Arvest Bank for my home. As part of their service, they handle property tax payments through an escrow account. However, in XXXX, they neglected to pay the county tax, which is currently accumulating penalties. Despite my attempts to contact them for assistance, they have not taken any action to rectify the situation and pay the outstanding tax. 

I appreciate any help you can provide in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: W&A Intermediate Co., LLC
State: MI
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:
According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : Wakefield Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: U.S. BANCORP
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/23 I applied for a credit card with US bank. I have not received the card as of today XX/XX/23. However, the credit card is already activated as I can see on my online banking. I called the credit customer service, explained situation and asked them to close my credit card. After speaking with 3 different representatives with 3 different phone calls, my account is sill not closed even if they told me they were closing it every single time. I called 4th time and this time they kept transferring my call from one person to another and the credit card is sill not closed. US bank has major security issues with horrible customer support. I will close all my accounts with US bank in person and never use their service again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I'm a Wells Fargo client where I have one mortgage, two checking accounts, one savings account, and one credit card. 

Unfortunately, I don't have Wells Fargo ATMs next to home or my office. About once a month, I withdraw cash from non-Wells Fargo ATM. Until last month, for any withdrawal I performed, Wells Fargo would reimburse the ATM fee. For instance, if I withdraw {$100.00} and the fee from ATM owner was {$3.00}, Wells Fargo would then reimburse that fee immediately. 

This approach, however, has changed. To my surprise, Wells Fargo not only stopped reimbursing but started charging an additional {$2.00} on top of that. So in my earlier example, a {$100.00} dollar withdrawal now cost me {$100.00} + {$3.00} of ATM fee + {$2.00} of Wells Fargo fee.

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 fair Credit Reporting act XXXX XXXX XXXX account has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 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 loan under an open end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2023-03-30
Company: ProCollect, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, ProCollect marked a bill for {$1500.00} as delinquent on my credit history via XXXX and XXXX. However, a quick glance let me know that they have clearly the wrong person. The name on the profile did not match up with my name, and a quick XXXX search found the right person that they should have been going after. 

The original creditor was an apartment complex in XXXX, NY, for rent in XXXX. I have never resided in the state of New York. A quick XXXX search found a XXXX student with the exact name matching the record on XXXX- who is not me. This is a clear case of mistaken identity, and ProCollect has not taken the steps to remove this charge from my credit report, despite clear evidence that this person is not me ( Driver 's License, Voter 's Registration, etc. all show that I am a different person )

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 2022-10-19
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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

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 2023-06-29
Company: EQUIFAX, INC.
State: KS
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 submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$30000.00} ; XXXX Balance : {$16000.00} ; XXXX  XXXX XXXX : {$2800.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX Balance : {$12000.00} ; XXXX  XXXX : {$17000.00} ; XXXX  XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$620.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA
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:
My wife and I have a saving and checking account at San Diego County Credit Union at XXXX, California. On XXXX XXXX  we made a {$50.00} deposit and got a receipt, it showed a balance of {$56.00} in the checking and {$11.00} in the savings before the deposit. 
I told the teller that was impossible because we haven't made any withdrawals in month. The teller went to the computer and told us have been paying for a Accidental Death And Dismemberment Insurance Policy. I said we did not have a policy and how can they just take money out out of our accounts with out our permission. My records show that that XXXX sent us a mailing stating that because we had an account with them that we were eligible to get a free {$3000.00} policy all I had to do was to sign the form and send it in so I did. The insurance company 's is XXXX XXXX. I called them and they refunded me one payment of {$90.00} after several weeks. I called them back to tell them they still owe us {$90.00}. After some weeks I received a letter dated XX/XX/2023 they want me to fill out a form and have it notarized. I'm not going to do this because it seems suspicious to me. I feel that we have been set up and if so how many people have been taken advantage of. I think that XXXX is responsible letting this happen to us and should make our accounts hole again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the third interaction we have had. You recently said you sold this information to another company so I would like to know the company handling this. As you can see the information is incorrect on my credit. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged dbet, nor therefore any such debt, in fact therefore exist This needs to be removed from my credit. I will not let this up. As this is effecting me long term. Yes I've submitted documents to get this removed because of statement above. You have sold my information to another company and haven't provided any details to who.

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