BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please Note Im filing this complaint Only to attached some documents that I have just found This should be directed to XXXX in the Executive Offices of Wells Fargo. 
This is an addition to previously filed complaints. This information is in reference to Previous Complaints filed. 
XXXX XXXX XXXX Unbelievable, but I have found some documents that should help explain, and show exactly the process, and all I went through with Wells Fargo. It will show everything I had done and went through, and the people that were involved in this nightmare which ended up leaving Me and my family homeless, Which destroyed my marriage of 25 years, Destroyed my kids lives, ripped us all apart, and It should have never happened. 

So you will find 6 attachments, I would start by reading the document 1 I filled out an application for the Loan Re-modification - XXXX. 

2nd Letter to XXXX XXXX attorney 3rd Response to XXXX XX/XX/2015 The rest are just detailed information, Like * Mortgage Payments * Also 1 attachment XXXX, This is a copy of my Bank Statement during that time frame this showing I had plenty of money, and Should have Never lost my house, Nor my Life. Never should have had to go through all that Wells Fargo put me through and did to steal my home. 


* Last attachment.. Documented Case_Identical to the process I had to go through PLEASE MAKE SURE YOU READ THIS, EVERY WORD, EVERY PROCESS, EVERYTHING STATED IN THIS AND IM TELLING YOU ITS A MIRROR IMAGE OF WHAT I WENT THROUGH. 

Documented Court Case_Identical to the process I had to go through, I mean Identical and this guy was awarded his house back, Which I would love to have my house, but that is going to be impossible, I dont know, Maybe not. He was also awarded {$450000.00} for punitive damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I also have a collection from XXXX XXXX for an apartment that i completed a full year lease and lived month to month for 3 months after completing my lease. I am not sure where the ridiculous amount of {$1700.00} came from because i did not have a balance at the time moving out in XXXX of 2021. The collection is hindering me from being approved for things and has caused me hard ship. The item has already been removed from my XXXX credit report and needs to be DELETED from my Equifax report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: WELLS FARGO & COMPANY
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:
I am writing this complaint to WELLS FARGO. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 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. It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-04-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX, XXXX, I did a foreign wire transfer from my Chase bank account to my personal XXXX  bank account ( XXXX XXXX ) of XXXX XXXXXXXX that never arrives. 
On XXXX, XXXX I contacted Chase Bank and they told me that they already sent the fund, however, my bank never received the money. 
I already did a wire transfer to the same account in XX/XX/2023 without issue so the receiving account numbers were corrects and I knew something was wrong because the first time, it took less than a week for the funds to be transferred. 
They launched a recall request - inquiry number XXXX but to this date, my money hasn't been retrieved. 
On XX/XX/XXXX, I followed up and they told me they were still working on it. 
On XX/XX/XXXX, same thing and finally on XX/XX/XXXX, they close my case, saying that their severals attempts failed and asking me to contact the benefiiciary ( but I am the beneficiary! and my XXXX  bank never received the funds ). That is unacceptable that my funds were lost by Chase and I believe it is their responsability to refund me for the loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: SC
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:
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 XXXX Balance : {$84000.00} XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$84000.00}

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 2023-11-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency 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. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-05
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My old XXXX XXXX were sealed in a court of law however some companies still have old records and release them without permission I have reached out to companies and asked to have my information removed from there data base but I just ran my XXXX report and my old court records came up I have also asked XXXX to remove these as well but yet has not happen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Account # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

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 2023-11-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Opened a XXXXSavings and checking acct on XX/XX/XXXX. Made 3 deposits totaling {$76000.00}. Did not receive ATM Debit cards. Our acct was hacked and {$5000.00} was transferred from our Savings to our Checking via phone and from XX/XX/XXXX to XXXX withdrawals totaling {$5000.00} were taken from our acct. We were not notified from our bank that our acct had been hacked. Went to the branch which we opened the accts. to put a freeze on all accts. The bank said in XXXX business days we would have a resolution. We spoke with the fraud department and the branch office numerous times and got nowhere. The banks fraud department said they have footage from the ATMS where the ATM card was used. I gave my description to the fraud department and they said that it was DEFINITELY not me. We received a letter from the bank on XX/XX/XXXX saying the phone transaction was valid and our claim was denied. 
The only person that had our private information was the person who opened our accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: I.C. System, Inc.
State: PA
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:
XXXX Published Information on my credit report from I.C. SYSTEM, INC. WHICH IS NOT MY Account. Its fraudulent, and its a privacy issue and its causing harm to my physical state of being, my character my livelihood and costing me to be discriminated against my will to extend my credit. I am already suffering from Identity fraud and now this...

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 2023-11-06
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Card will reflect previous name, XXXX XXXX. 
I opened this account when I was in my early XXXX, they provided minimal information, explaining that if I pay my balance in full there is no interest. I verified since I hadnt had much history with a large credit limit card. Ive since racked up a lot of debt which Ive struggled to get out of because the interest rates were higher than what I was paying towards to principal and I had no additional income to put towards it. Ive finally, after many years, payed off the card balance in full and have a financial plan to never again find myself in that position. I partly blame this position on Chase, which gave me access to a lot of potential debt and didnt provide any education or resources to learn financial responsibility. Regardless, Ive paid the balance in full and was hit with a large interest charge two weeks later. When I spoke to them on the phone, both a regular representative and their supervisor, they now explained that a revolving balance accrues interest daily. They said its always been this way, yet the many times Ive called and spoke with card representatives, no one has bothered to explain this. Ive tried to get their assistance in finding ways to pay the card down previously and was met with, just try your best and if you have extra money, put it towards the balance, which was unhelpful. This interest charge, and now explanation of a seemingly new to me policy, feels like Chase is punishing me for becoming financially responsible and educating myself. The said they arent able to do anything with the interest. Does this mean they will be continuing to charge interest on their own interest balance? Its ludicrous. There needs to be some transparency and responsibility put on the company as well as, not just me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX Ssn XXXX Phone number :XXXX XX/XX/XXXXXXXX  TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX Subject : Unauthorized Disclosure of Personal Information and Violation of Privacy Rights Dear TransUnion Consumer Relations I am writing to bring to your attention a matter concerning the unauthorized disclosure of my personal information, which I believe constitutes a violation of the Privacy Acts No Disclosure without Consent Rule outlined in 5 U.S.C. 552a ( b ). I have recently obtained a credit report from your agency, and I discovered that certain details related to my child support account with the XXXX XXXX DA have been shared without my prior written consent. 

The specific information disclosed without my consent includes : Account Name : XXXX XXXX DA Account Number : XXXXXXXX  Account Type : Child Support Responsibility : Individual Date Opened : XX/XX/XXXXXXXX  Status : Open. {$40000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXXXXXX  Balance : {$40000.00} Balance Updated : XX/XX/XXXXXXXX  Recent Payment : - Monthly Payment : {$660.00} Original Balance : - Highest Balance : - Terms : 1 Month Source : XXXX I would like to emphasize that, according to the Privacy Act, federal agencies are generally prohibited from disclosing personal information without the written consent of the individual. This disclosure, as detailed above, includes information about my child support account and its financial status, and I have not provided any prior written consent for such disclosure. 

I kindly request that TransUnion thoroughly investigate this matter, correct any inaccuracies resulting from the unauthorized disclosure, and take appropriate measures to remove the child support account from my credit report and prevent such incidents in the future. I am also open to providing any additional information or documentation to support the resolution of this matter promptly. 

I appreciate your prompt attention to this issue and look forward to a timely resolution. Please feel free to contact me at XXXX is my phone number or XXXX is my email address to discuss this matter further. 

Sincerely, 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 2023-04-06
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Been customer since 2013 Order XXXX they over change me never send my grocery Then wells fargo closed my account for no reason and send my social security check back now no way pay rent so wrong and charges me fee XXXX for XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am done with this company and trying to reason with them. The next correspondence they will be receiving will be from my Attorney and a subpoena to appear in court to explain why they had added three additional collection accounts that are showing as being in an active and open and collectable status with owed balances on my credit report and that they had all been submitted to the credit bureau last week. This makes it a violation of all bankruptcy and debt collection laws because this company has already been fully notified and completely aware of my Bankruptcy status and filing beforehand. Yet, they still made a conscious decision to report them even after being notified of my bankruptcy status. The Bankruptcy court is going to have a field day with you and hopefully make an example out of you for other collection companies like yours will think twice before willingly violating a direct court order and also violating an active STAY as well. I have nothing left to say about this to you and now you can give your line of XXXX  to the Federal courts and let 's see what they have to say about your delusional reasoning as to why you blatantly have decided to violate and disregard their orders and continuing to do so even after I have made you fully aware of the situation on three separate attempts. SO you can't go in and act like " you didn't know '' or that " you had no idea '' that I was in Bankruptcy and with an ongoing and active Stay as imposed by the court. By the way, I have included an excerpt of my credit reports for you to see for yourself. The first report dated XX/XX/2023 does not have the three additional collection accounts on it. The one dated XX/XX/2023 does have the three additional collection accounts on it. So somewhere between last month and this month you added three additional accounts with balances owed. You also did this after already knowing of my bankruptcy status and it was just recently done. How do you not see that you are in complete and blatant violation of the law by doing this after the fact? You will lose in court when it ends up there which is the very next step in my intentions with you. The proof is right there in black and white print attached to this complaint. See for yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: OH
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 noticed multiple unauthorized inquiries on my report. 
According to the FCRA ( Fair Credit Reporting Act ) legally these unauthorized & unverified items MUST be removed. All of the inquiries are unauthorized & unverified. I also NEVER gave you guys my written or oral consent to report any of this information on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief