BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: CT
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 2016-12-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Wells Fargo continues to allow credit/debit card purchases to go through, despite my opting out of overdraft protection. These were not automatic charges and no other debit hit my account aside from debit card charges. I have just paid XXXX in fees due to this. Also, my wife recently made a deposit at the drive up, and as she was, the bank teller, using the intercom, told her the account was overdrawn. My wife is not on my account. This was a violation of my privacy. Not to mention all others in line can hear as well.

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 2017-03-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hi It looks like Wells Fargo is up to their old tricks again in banking services. I just logged into my account the other day and notice a negative balance on a checking account. When I go into transaction history for the last 18 months, all i see is money being withdrawn from one account and entered into this account for Wells Fargo to withdraw as monthly service fees. 

I submitted a complaint with them and I just got off the phone with this lady trying to only credit me back for 180 days ( 6 months of monthly service fees of {$180.00} from $ XXXX fees ). The account was opened back in XX/XX/2011 and at the rate of $ XXXX in monthly service fees this will come to {$2100.00}. I want every penny back along with interest. 

They tried to get me to accept {$180.00} and then {$300.00} of payment. I want every red cent back with interest. In these hard times and being charged all of this excessive fees which put my accounts in the red, causing other checks to bounce, etc I want to be fully compensated for this and them fine heavily to stop these practices of preying on consumers with billions of dollars of late/over draft fees from fradulent business practice. 

warm regards XXXX + XXXX XXXX My Wells Fargo Account in question is XXXX. I believe this account was opened with no fees attached then changed to have fees attached and the avalanche started

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 2016-07-15
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Deposited money in bank and bank placed a 10 day hold because of numerous overdrafts. Other items came in and more additional fees were billed.

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: Experian Information Solutions Inc.
State: SC
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 a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
DEPT OF EDXXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$30000.00}

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 2016-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Transunion report does not include any of my credit lines or loans. I contacted Transunion regarding this issue and they were able to create a file for me and assured me that my credit lines and loans would appear within 30-90 days. However, its has been over 4 months and there is nothing on my report. I have checked the identity information on the report everything is 100 % correct. I 've also contacted credit card companies and they were not able to resolve the issue.

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 2016-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
As of XXXX/XXXX/2016 my injuries were removed but upon pulling my recent credit report today i see that they have returned. I would like this removed immediately.

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 2023-03-29
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a copy of my credit report and seen a lot of inaccuracies. I filed identity theft with the XXXX XXXX police after realizing i was a victim of the crime. I 1st tried to settle the problem with the credit bureaus directly. I sent the all the documentation stating the situation and nothing has been done. I have not received anything of it being settled or deleted. I have provided information that my information has been in multiple data leaks. Enclosed are all the documentation as well as tracking receipts.

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 2023-03-29
Company: EQUIFAX, INC.
State: MD
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 second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DC XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3300.00} XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} 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  Balance : {$9400.00} XXXX XXXX Balance XXXX {$910.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX can not be verified properly. The company that hired this company, XXXX, should have billed my insurance company and failed to do so. My insurance company paid for the emergency room visit. The failure of XXXX to get paid is their own doing. 
The Date Opened on my credit report is listed as XXXX, which is incorrect. The date opened according to FCRA should be XX/XX/XXXX. Thus, this should be removed from my credit report according to the FCRA. 
Lastly, I never received a bill from XXXX XXXX or XXXX. Per my discussion with them in XX/XX/XXXX after viewing my credit report, they asked me for an address because they did not have one on file. They admitted they were mailing to an XXXX address. However, I was a resident in XXXX the entire time in question. 

The attached documents clearly show that the hospital was paid. Therefore, if the ambulance company had done its proper due diligence, they could have been paid as well. Thus, XXXX did not perform proper due diligence to verify the legitimacy of this debt.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Balance : {$3.00} XXXX XXXX XXXX Balance : {$5700.00}

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 non-monetary relief
Consumer complaint received 2016-09-17
Company: DISCOVER BANK
State: NC
Product: Credit card
Issue: Rewards

Complaint:
Last year my friend and I found out that Discover offered a matching bonus ( Double cash back ) program for opening a new DISCOVER IT card. Previously I had DISCOVER MORE card and I called customer service to swap my MORE card to IT card, and I was promised that I was qualified to earn the double cash back after my first XXXX bill cycle payments. Now after one year, I did n't receive my matching bonus but my friend did ( my friend also swap from MORE card to IT card ). Therefore, I called discover customer service to ask about this. The supervisor said that they do n't have any evidence shows that I enrolled in this program and they do n't keep the phone call record from last year so that they can not do any thing about it. However, I believe this is not a enrollment required program at that time and I called customer service to ensure I can receive the rewards since I swapped from another card to new card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-07
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been calling all day trying to make a payment, and the representitives continue to ask me personal questions that I should not have to answer and explain every time I call, I had a serious automobile accident in XXXX and have been behind on my payments evry since, it was 3 months, now Im down to just XXXX payment behind, I am asked XXXX personal questions every time I call and the represetitives act like debt collectors, very rude, will no transfer me to a supervisor, disconnect my call, etc, this is not professional, and I have spent over an hour trying to make a singke payment which should be a simple process, this is not acceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: TFC Group, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
TFC Title Loan promised a submission of notice to the credit agnecys for completing my loan, XX/XX/2015. That never happened. 
I have the letter and payment schedule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly delete the following items in my file ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2021

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 2023-03-29
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Please help me understand why CFPB does not come up with a standard program to cure the XXXX Loans rather than give so much discretion to Wells Fargo Bank N.A . which usually leans on getting as much as possible from the homeowners. XXXX. 

We all know - '' Millions are victims of wrongful foreclosures. Loans during the housing bubble were repackaged into securities and sold on XXXX XXXX putting the true holders of mortgage debt into question. The entity Wells Fargo that is trying to foreclose has no legal standing to do so. There is of course something the banks want no one to know - but the public knows. '' According to a deposition taken by an employee at Wachovia, there was never a transfer of notes from World Savings to Wachovia, just a name change and no real merger or transfer ever took place as XXXX, still has custody of all original notes XXXX See : Page XXXX, lines XXXX, Page XXXX, lines XXXX, Page XXXX, Lines XXXX. 

Wells Fargo fabricated paperwork in mass to prepare for bogus foreclosures : XXXX Since XXXX is now a defunct organization, Wells Fargo is a pretender Plaintiff and has no standing to foreclose as the note could never have been assigned to them since it was securitized and sold to a XXXX XXXX XXXX and Wells Fargo are mere debt collectors or servicers of the loan, and hence have no legal standing : See : In re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Servicing XXXX Wells Fargo Bank, Bankruptcy XXXX XXXX XXXX XXXX XXXX, 2010.

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 2017-02-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
During the second week of XXXX XXXX I was contacted by an employee of Wells Fargo bank of North Carolina ( XXXX XXXX ), she informed me that she was calling to get payment on a bank issued business credit card. The transaction supposedly took place in late XXXX. At that time I changed the corporate mission of my business and informed all contacts necessary of my new mailing address. Since that time I have not received any communications from Wells Fargo until last week when they demanded payment. At that time I made XXXX XXXX aware that if I could be made sure of the original amount of the transaction that I would be willing to pay that amount but no more. Since I still do business with this bank I feel strongly that they should have been able to contact me much sooner and avoided all the additional charges. In addition all of my accounts with this bank appear on my on line page except for this credit card.

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 2016-07-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Account noXXXX XXXX XXXX XXXX, I called Wells Fargo 's automated systems, and was told that my available Val was {$100.00}. On XXXX XXXX, I was told that XXXX checks had been returned! Check no XXXX for {$60.00} and ck XXXX for {$25.00}. Both of these e cost {$70.00}. For the bank relieve took {$70.00} out of my account and we are paying the companies a total of {$70.00}. Which is {$14000.00} For XXXX Check totals! 
We have been with Wells for a while, and make weekly deposits. I believe this is retaliation because, we have filed a complaint before. They reimburse us, because they were at fault! 
This is happening again and again!!! What is going on? 
And {$35.00} for the companies. 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 2023-03-29
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Was approved for asynchronys Venmo Visa Credit Card. 
Tried to activate the digital card using the last XXXX of my social security number. 
Received an error message saying the last XXXX was incorrect. 
Reached out to support about changing the social security number on file. Responded with a chat saying a letter will arrive in the mail to authorize. 
Filled out form. 
Waited 30 days called support about the letter, notoriously difficult customer service over the phone. Received a letter saying they are unable to verify my social security number. 
They ended up closing my account.

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: EQUIFAX, INC.
State: AZ
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:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive multiple calls from this business daily, every single day. The one time I did answer, it was a robocall saying it had a message for a person that wasnt even me. I will include screenshots of how often they call me, including the numbers they call from ( they call from separate numbers ).

Company response to consumer: Closed with explanation