BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
We aren't customer of wells fargo but one of our office check was cashed by an unknown person in wells fargo bank without proper signature or ID or endorsement behind the check. 
we tried several calls and branch visit to file a claim and open a fraud case regarding the person who cash our check but Wells Fargo refused to even listen to us because we aren't their customer and it's not a large sum of money. We are a small business that our livelihood depends on these checks and if we can't figure it out who did cash the check and return the money than we dont survived. I really appreciate any help. 
The check was issued to XXXX XXXX XXXX and we are a dental office in XXXX XXXX, XXXX  and our checked get cashed by XXXX. 
This check was cashed by an account number in 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 2023-05-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Businesses that provide consumer information to credit reporting agencies have obligations under the Fair Credit Reporting Act ( FCRA ) to ensure compliance with certain procedures and protect consumer privacy. Accuracy of Information is required by law. Businesses must ensure the accuracy of the consumer information they provide to credit reporting agencies. They should have reasonable procedures in place to verify the accuracy and completeness of the data they furnish. If a consumer disputes the accuracy of the information, businesses are obligated to conduct a reasonable investigation. They must review all relevant information provided by the consumer and correct or delete any inaccurate or incomplete information. The fact remains that the name reported by both the XXXX XXXX XXXX XXXX XXXX XXXX as well as Experian is not my legal name. The nature of the information concerning the account is also inaccurate. I have made numerous disputes with Experian to remove the inaccurately reported information but with no success. My next step is litigation and this complaint is simply an opportunity to demonstrate before a XXXX XXXX judge or administrator that a final attempt is given to the offending organizations to comply with the law that oversees their actions. I provide with this complaint my American passport book and card as well as the most recent information reported by Experian on my credit report. The legal first name is XXXX. THERE IS NO MIDDLE NAME. IF A MIDDLE NAME IS RECORDED IT IS XXXX AS SEEN ON THE BIRTH CERTIFICATE BOND. There is no legal basis for the information being reported by Experian and/or the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I'd like to take this time to thank the men and women at CFPB for their efforts toward protecting the public.

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 2022-09-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Several months ago I received a letter from Fifth Third that it had sold my mortgage to XXXX XXXX or XXXX XXXX  Within that time period I was also having terrible problem with the way my mortgage payments were reported to XXXX. Fifth third stated my payments were supposed to be twice what I was paying which was wrong. I wrote to executive management, and the CFPB finally to get some attention. Whenever I called Fifth Third no one answered the phone and no one honored t

he THREE phone appointments I set up. Now I am attempting to reac
h out to them again because if my mortgage had been sold I need the new mortgage acct # so I may refer to it in my ins documents. I never received anything regarding that sale other than a brief letter. 

This week I called my previous contact, XXXX ( XXXX ), THREE TIMES ( Wed, Thur and Fri ) to get assistance and left voice messages THREE times!! He never called me back. Today I then called 1 ) re-financing and 2 ) customer service, Refinancing DELIBERATELY hung up on me and the customer service rep was surly and condescending. He did state my mortgage had not been sold but I remember receiving the letter it had been! 

I have also attached the third complaint letter I sent today to President and CEO XXXX XXXX, because I believe when I write my complaint letters to executive management they are intercepted and never shown to those managers. This could be considered an act of fraud, because egregious wrongs are being covered over and squelched. 

In all, I have no idea who owns my mortgage and therefore how to manage it! I make my payments every month to Fifth Third Bank but I am very unhappy about all this. 

Further, the general culture at this bank is corrupt, and this corruption is deeply entrenched. There is no reason for anyone to perpetrate these many abuses against my account or me. The corporate environment is one of predation and any opportunity these people have to abuse their customers, they will do it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions 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:
Experian, XXXX and XXXX continue to report an account on my credit report, despite the fact that it has aged out. Pennsylvania State Law has a statute of limitations on debt of four years ( 42 Pa. C.S . 5525 ( a ) ) and the last activity on my XXXX XXXX account was in XXXX, well past the statute. 

Although this has cost me financially, I am not seeking financial restitution, I simply would like to have the account removed from all three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent a dispute letter via mail to the 3 credit bureaus attempting to dispute an incorrect account appearing on my credit report. I provided my home address, copy of personal current I.D., and proof of address along with my letter. I waited a month or so, TransUnion and XXXX  sent a response letter but XXXX  never got back to me. At that point, I sent a letter to XXXX  warning them they have 30 days to respond and again, requesting a correction of my credit report otherwise I'd file a complaint against them to the CFPB. XXXX  has yet to respond to my second letter. 
Additionally, I politely requested valid proof of the debt shown on my report ( such as a signed contract or agreement ) yet TransUnion and XXXX  failed to do so.

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 2022-07-04
Company: Experian Information Solutions 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 the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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 without my written instructions.

15 U.S.C.1666b section A creditor may not treat a payment on a credit card account under an open ed consumer credit plan as late for any reason.

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt XXXX Case case number is 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 2022-07-29
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XX/XX/2016 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2022-12-05
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I, XXXX XXXX, a consumer, entered into a consumer credit transaction with TD Auto Finance. A consumer credit transaction that included a financing charge. A financing charge is the total of all fees in a consumer credit transaction, according to 15 USC 1605. Cash was paid to TD Auto Loan ; however, cash is not included in the finance charge. Although insurance is supposed to be included in the finance payment, TD Auto Finance forced me to buy it separately in addition to additional expenses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: Action Revenue Recovery, LLC
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:
This collection agency is violating my rights under the No Surprise Act of XXXX. I have a medical bill that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as under the condtions of the FCRA I am allowed a fair and accurate credit report.Please see the dates/ amounts listed below I am demanding be removed from my credit report immediately Action Revenue Recover XX/XX/XXXX in the amount of {$130.00} Action Revenue Recover XX/XX/XXXX in the amount of {$440.00} Action Revenue Recover XX/XX/XXXX in the amount of {$440.00} Action Revenue Recover XX/XX/XXXX in the amount of {$440.00} Action Revenue Recover XX/XX/XXXX in the amount of {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed my account on 2013 without justification and kept all the money I had in it. They caused me inconvenience pain and suffering since I was hospitalized next day without any money to spend.

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 2022-12-05
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022, I, XXXX XXXX XXXX, tendered a payment in the amount of {$3000.00} for the account in the principal name XXXX XXXX ( ACCT # XXXX ) along with supported documents which were sent to AMERICAN EXPRESS XXXX XXXX and XXXX XXXX XXXXoing business as the CFO of AMERICAN EXPRESS to allow the financial institution another chance to act in honor. The correspondence was in fact received and the green receipt was signed and returned. ( See returned green receipts ) On XX/XX/2022 AMERICAN EXPRESS opened a dispute on my behalf because they could not locate the payment ( Reference Number XXXX ) and sent me an email on XX/XX/2022 requesting documentation to support my claim ( see email ). In response to this correspondence, on XX/XX/2022 I sent by fax to AMERICAN EXPRESS my endorsed bill, notarized letter of instruction, notarized power of attorney and state driver license. ( See Fax receipt ) On XX/XX/XXXX, I received another correspondence stating that the documents were not received and that the investigation was closed. ( see XXXX XXXX correspondence ) AMERICAN EXPRESS agreement under the section how to make a payment, states that they accept negotiable instruments as a form of payment ( see agreement pg XXXX ). Pursuant to UCC 3-104, AMERICAN EXPRESS issued a negotiable instrument to the principal XXXX XXXX with a purpose of giving rights on the instrument. As the holder of this instrument I am accepting the {$3000.00} credits and giving instruction to transfer them to the bearer in order to XXXX  out the account. AMERICAN EXPRESS has continued to lie and create false information numerous of times which has caused me to not be able to use my card due to this outstanding balance that I have in good faith tried to tender payment for since XXXX. This is my last attempt to request for XXXX XXXX dba CFO of AMERICAN EXPRESS to apply the tendered negotiable instrument that was sent in to be applied to my principal balance or I will move forward with law suit actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am filing a complaint against Capital One for their gross incompetence in handling a claim following a dispute over a payment of service that was cancelled over a fraudulent intent of the merchant. I reported this claim to Capital One back in XX/XX/2022 that this Merchant deceitfully hide information regarding their policy by misinformation. Capital One then requested that I provide proof of cancellation and date of cancellation ( see attached email ). Instead of capital one addressing the dispute in furtherance to the proof I provided on the cancelation date and proof of cancellation done over 400 days before the proposed service by the merchant, Capital still went ahead to make a decision on the claim in favor of the fraudulent merchant based on the fine print from the Merchant which contained information contrary to information given to me by the teachers at my XXXX XXXX for whom the merchant deceitfully went through to deceive parents like me to enroll in the first place. The Merchant XXXX XXXX is nothing but a fraud, and Capital one is collaborating with a fraudulent company over a cancelled service 400 days in advance to rob a customers finance that they ( Capital One ) were set up as a financial institution with an obligation to protect their own customers. I am totally disappointed with Capital One bank, and to think that I banked with them for 12 years only to receive such betrayal from them is complete disheartening. They have shown that they dont know what they are doing. They should do the right thing in protecting their customers finances from a fraudulently intent company like XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outsider of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, i certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable under perjury under 18 U.S.C. 1621. This collection found on my credit report are not related to any transactions that I made.I am alleging that a person or company- without my authorization used my personal identifying information to apply for goods, services, or money and was successful in cresting some accounts. All are being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit reporting act XXXX XXXX XXXX {$2800.00} copy of original written agreement With XXXX XXXX XXXX, XXXX XXXX XXXX {$650.00} Copies of the original written agreement with XXXX XXXX XXXX, XXXX XXXX XXXX {$610.00} copies of the original written agreements with XXXX XXXX XXXX, XXXX {$560.00} copies of the original written agreement with it XXXX, XXXX XXXX  {$230.00} copies of the original written agreement, XXXX XXXX XXXX {$200.00} copies of the original written agreement 15 U.S.C. 1681 section 602 A. State : I have the right to privacy 15 U.S.C. 1681 section 604. A. section 2 : it also states that consumer reporting can not furnish account information without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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:
Since Im a XXXXt for research, I found that under section 605b of the FCRA you are required by law to eliminate & block any accounts or information which is found to be opened due to identity theft. The disputed item does not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account below : 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 2022-09-22
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: Personal information incorrect

Complaint:
XXXX and Equifax have all the incorrect information listed on my credit report. My name is incorrect, my address is incorrect, my employment is not listed, and there are items on my equifax and XXXX credit reports that I have been trying to have deleted for a few years now.

Company response to consumer: Closed with explanation