BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In my business I use my company credit card for almost 100 % of my purchases and expenses. As a result I enjoy the Wells fargo Bank ( WFB ) Rewards program, where I earn points that I mostly use for Airline Travel or Gift Cards. 
For eight weeks now, I have been fighting WFB because their Rewards program experienced a System Error with my account and froze my earned points. 
Attached is a WORD document that is a log I immediately began to document the time and progress to correct their mistake. So far, I estimate that I have spent almost twenty hours either on the phone, or in person at one of their branches, with no success. 
One of the WFB Rewards Customer Service Agents privately recommended that I take legal steps. 
The Total Available Points is now : XXXX This has a cash ( or Gift Card ) value of {$4000.00} In airline miles it is worth even more.

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 2023-10-31
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
XX/XX/XXXX I closed on a home I purchased. XXXX XXXX XXXX XXXX is my lender and banker for my business account. 
While in the selling process I discovered the buyer was using a VA loan to purchase my prior home I sold to him. 

Moving forward to XX/XX/XXXX. I received a call from someone wanting to buy the home to add to his investments. I explained it was already sold to a vet buyer. He then explained to me the home was for rent on XXXX and I was the name on the Property Appraiser site. I hung up and looked up the address in XXXX and sure enough its there. 

Knowing VA loans ( my half brother, step dad, dad, and grandpa ) VA loans require you to live in them. Sure you can rent a room out, but this ad is for the full 3bdrm 2bth house. The price doesn't make sense for that to be a room price either. 

So I called the VA hotline, gotten a REF : XXXX, and on XX/XX/XXXX, and XXXX I called Rocket Mortgage the lender of the individual whom bought this home. Rocket Mortgage after giving me their sing-a-long song and dance routine I finally got to someone whom promised me a reply in 72 hours. That individual called me and she assured me they would get this taken care of. Well here is the problem. It's not been taken care of. The ad is still listing on XXXX for rent, and I am still getting calls on the property. 

I am fully aware the individual is supposed to live there and CAN rent other rooms. But this is NOT the case otherwise the 3bdrm 2bth house would list as 1 or 2bdrm for rent. Not the full 3/2, nor at that price point. The neighbors XXXX, XXXX, XXXX and XXXX all confirm no one is living in this home. 

This neighborhood is an extremely tightly close group of home owners and they all watch out for one another and work to keep squatters out, and communicate with each other. It is a true neighborhood watch community with monthly meetings. 

The VA user details I can provide as instructions above stipulate not to include in this complaint. 

Rocket Mortgage still to date hasn't taken care of this issue and the ad is still listed. I DID report the listing today with XXXX as a problem address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of Accounts below has Violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX Bank Account Number : XXXX Card number : XXXX 15 U.S.C 1681 Section 602 A. States i have right to Privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It Also states a consumer reporting agency can not furnish a 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 then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Consumer Adjustment Company Incorporated
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not nor have I had an account with this company that originated in XX/XX/2022 as reported on my credit. This has negatively impacted my credit and I request you delete this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
As I conveyed to you today XXXX XXXX contacted me on Tuesday, XX/XX/2023 he asked me how much I could pay for rent that he was an Owner of some apartment buildings. He gave me the address at XXXX XXXX XXXX XXXX, and told me to call him at XXXX once I arrived at the building. He said that the apartment was unregistered and he would charge me {$1100.00} a month. I explained in the XXXX ad that as a good faith gesture I could pay the security deposit and up to 3 months rent but I couldn't pay no more than {$1100.00} and I was temping and looking for another job so at this time I wasn't working. 

When I arrived at the building I actually saw XXXX sitting on the steps across the street where he said he lived in a senior building. He opened the door and took me upstairs to the 3rd floor and I looked at the apartment. XXXX called him while I was actually in the apartment and I spoke to him from XXXX 's phone. I told him I liked the apartment. He said it was the XXXX holiday and I needed to put something down. I withdrew XXXX cashier 's checks for {$1100.00} from my Wells Fargo account and deposited them into account number XXXX at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. He then called on Monday, XX/XX/XXXX and said he had met with the other Owners and they needed another deposit of {$1100.00}. I went to Wells Fargo and did the same, depositing the XXXX check into the same XXXX XXXX and same account number. Although, he wanted me to deposit this last check into a XXXX XXXX which I never did because he said he would deposit the last check back into my account and then I could write him another check. I refused then he started getting upset and said obviously I didn't want the apartment. 

I had called XXXX on Saturday, XX/XX/XXXX and asked him if the apartment was still available. He said someone was living in the apartment. When I told XXXX he became upset and said I had no business calling XXXX that the apartment was being held for me. 

XXXX, I have filled out an application, a copy of my driver 's license, he has my social security number, I forwarded my bank statement and I sent them to XXXX XXXX ( XXXX ). I texted him ( XXXX XXXX and asked for my money to be immediately deposited back into my account via XXXX and that I was going to take him to court. Wells Fargo confirmed yesterday with copies that he has already cashed the three checks. 

Any help would be greatly appreciated since you know him.

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 2023-02-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I had disputed a charge off from Equifax off my report. Equifax removed/deleted from credit report but still have not sent me the investigation results of the charge off being removed. I called 3 times and those 3 times the agents tell me they will send me a copy of the investigation results and it will come to 3-5 business days and I have yet still not received anything from Equifax Ive been trying to get my investigation results for the past month regarding the charge off removed/ deleted from my report from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
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: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report. this issue has been addressed an never resolved. looking over the files submitted ive noticed none of the items are corrected on all 3 credit reports. please review an remove the listed invalid items submitted in the files asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit files with transunion. this has been an issue that needs to get resolved. all information is unverifiable an caused alot of denials. please review an remove the listed negative items to clear my credit report asap.

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 2023-09-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a call on XXXX at XXXX am from XXXX ( XXXX ) XXXX XXXX XXXX looking for a family member. They should not be contacting me. I dont know how they received my contact information as I am on the do not call registry. Additionally he was verbally abusive and harassing.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: GA
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 interested in processing disputes on my credit report to delete an remove all negative items that are Invalid on my credit report. this issue has been addressed an caused alot of denials on my file. none of the data is valid for all 3 credit files. please review an remove all listed items that has caused denials to correct my files asap.

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 2023-02-27
Company: EQUIFAX, INC.
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 THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 


XXXX : ACCOUNT # XXXXXXXX XXXX : ACCOUNT # XXXXXXXX XXXX : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT # XXXX THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that a consumer reporting agency can not furnish a 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

1 5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681S- 1681C. ( A ) CREDIT REPORTING AGENCY XXXX AND EQUIFAX HAS ALSO VIOLATED MY RIGHTS FOR PRIVACY. I HAVE ASKED FOR PROOF. IT HAS NOT BEEN GIVEN. ITS BEEN OVER 3 MONTHS SINCE THE INITIAL LETTER WAS SENT TO THE CREDITORS.THE ACCOUNTS LISTED DO NOT BELONG TO ME. I AM DEMANDING THAT IT BE REMOVED FROM MY REPORT IMMEDIATELY OR I WILL BEGAN LEGAL PROCEEDINGS TO SUE XXXX. {$1000.00} PER VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My Capital One Statement date is for XX/XX/XXXX thru XX/XX/2023 ; with the due date of XX/XX/2023 also the statement dated for XX/XX/XXXX thru XX/XX/2023 with the due date of XXXX XXXX. 
I made a payment to the comapany on XXXX XXXX which left a balance of {$770.00}. When the XXXX statement came in it stated the balance was {$770.00}. On XXXX XXXX I made a payment of {$35.00} and then again on XXXX XXXX I paid the remaining balance of {$740.00} ( this payment was posted the same day and taken from my bank account on the XXXX ). This should have left me with a {$0.00} balance on the card. 
I receieved the statement that has the due date for XXXX XXXX with a balance of {$14.00} for interest on purchases. I have not purchased anything since XXXX of XXXX  according to my statements. 
My main complaint is why do I have a balance of {$14.00} on my current statement for interest on an account which was paid in full before the due date and why should I pay this charge????????

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report 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 2023-02-24
Company: EQUIFAX, INC.
State: VA
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:
Accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 : Also, states a consumer reporting agency can not furnish a account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX a federally protected consumer and Im making this complaint against Telerecovery for committing identity theft. I have never given Telerecovery any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt claim I owe. Iam legally refusing to pay this debt pursuant to 1692c ( c ). Iam demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Telerecovery can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence, such as a Trilateral contract can not be produced and Telerecovery Continues it collection efforts. I file for litigation for actual damages caused and Telerecovery will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A. extortion, theft by deception, Securities fraud from the S.S.A. with my signature please tell me you have it, send me a copy, Im demanding it. Upon the receipt of the documents herein and of this Notice, you are hereby notified pursuant UCC 1 - 202f. Your prompt Attention and Response are both requested and required. Account # - 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 2023-07-06
Company: Reliant Capital Solutions, LLC
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: Old information reappears or never goes away

Complaint:
Notified via personal credit monitoring that a collection account had been added to my credit report for {$15000.00}. Report states that Reliant Capital Solutions is claiming this is a new collection account that was opened on XX/XX/2023. I NEVER received any type of communication from this collector, I've not been able to dispute such, and they have placed this on my credit report without any notice. Second, this account is OVER ten years old. Given the age of the debt, Reliant is purposely and knowingly providing false information as well as scavenging old debt and presenting it to the credit bureaus as a new debt, one that is well beyond time barred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-02-27
Company: EQUIFAX, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Fifth Third Bank failed to notify me of a large number of fraudulent debit card transactions totaling approx. {$2000.00} ( XXXX XXXX XX/XX/2023 ). This was a student account. They were notified, at opening, that this account was a dedicated repository for college funds. The fraudulent activity was extremely different from my usual transactions. I have had several issues managing my account using their recommended app. Though I had push alerts set up in the app, they vanished, unbeknownst to me. 
Once I discovered the fraudulent activity, I notified the bank. I ordered a new debit card and closed the compromised account. The bank opened up an investigation, but never put the required provisional funds in during this period. The bank did conclude and denied my claim. I am still awaiting paperwork several weeks later that detail results and findings of their investigation.

Company response to consumer: Closed with explanation