BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
A credit card account was added to my primary bank account, which I never agreed to, nor seen the card, nor used the credit card. It was never mailed to me. However, I have been getting charged with overdraft fees from my primary account. Which is strange considering that I have not had an overdraft fee in over 10 years due to my savings account. If I go over on my primary account the funds will automatically take from my savings. I had it set up this way for years. When I noticed a charged was added to the credit card account of {$100.00} by checking my bank on line, I paid the balance ONLY to get it off my account, hopefully to get rid of it. However, the balance continued to increase. After speaking to a banker considering this matter is when I was informed that the charges were from overdraft fees and the credit card was set up as an " overdraft protection '' instead of my savings. I explained to the banker that I never agreed for the credit card to be my overdraft protection because I had already have that set up with my savings account. I continued by informing her that I have not had an overdraft until this credit card was added to my account, that is strange. Supposedly I had overdrafts since XXXX to XXXX. Now I have a balance of {$470.00} which is now on my credit report and affecting my score. I informed them many times that I did not agree for a credit card to be added as my overdraft protection, nor have I seen this card, nor even used the card but still I 'm being harassed to make payments on this account and damaging my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, 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 number : XXXX, XXXX XXXX/XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  Account XXXX, XXXX  Account number : XXXX, XXXX XXXX & XXXX Account number : 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 account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: EQUIFAX, 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:
XXXX XXXX improperly billed me for a service despite XXXX  's response to the claim stating specifically that the amount they may bill me is XXXX. 

I proved this in my dispute with equifax with a copy of the XXXX summary notice for the service. It shows the same date of service ( XX/XX/XXXX ), patient information, procedure code ( professional charge for a XXXX XXXX ), amount charged ( {$190.00} ), etc. as the XXXX XXXX bill in question. Despite that XXXX  summary notice clearly stating " the amount you may be billed : {$0.00}, '' for that service, the collection agency still believes it to be legitimate and Equifax won't remove it. 

Because it's not fraud, the FTC and police will have nothing to do with the dispute, and yet I need either a police report, a letter from the collection agency showing " paid in full, '' or a letter from the FTC. Because there is no way this could be " paid in full '' when I don't owe it, there is no recourse for me to get this fixed short of spending tons of money on lawyer 's fees to sue XXXX XXXX and the collection agency. 

The other two credit reporting agencies ( XXXX  and XXXX  ) did not have that collection agency information on my credit report, as their credit scores for me are above 750 and Equifax 's is below 660. Because Equifax feels the need to report medical debt, they should have a protocol for disputing medical debt, and as shown above, they don't. 

Equifax has all the required documents in my dispute file under dispute # : XXXX dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: OMNI MORTGAGE CORP.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was advised by XXXX XXXX at omni mortgage that he could doing my mortgage and after 6+months and tons of personal documents and all, there is no information or whereabouts where my documents are. There is a big concern on how they do business and XXXX XXXX uncle who owns Omni Mortgage XXXX has not reached out to me after numerous calls to him and their staff XXXX. 
I 'm filing a complaint with the attorney general as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was owed ( {$930.00} ) was paid to NCC. I do n't owe the amount of {$2200.00}. Attached is the documentation to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hard inquiries on my credit report with all credit bureaus and I didn't receive credit from the loan companies and I asked for them to be removed from my credit reports. if no loan was given or credit from the companies they must remove the information or inquiries especially if I didn't apply for the credit and that has a negative impact on my credit score XXXX XXXX Thank you for your help

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 2020-03-06
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:
I applied for a car and was not approved. There are accounts on my credit that I dont know anything about. Please remove these from my credit XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX. I also saw some inquiries as well I dont know about XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Someone changed my address toXXXX XXXX XXXX PR without my authorization. That is not my corrrect address.I suspect a fraud with this change. Please take notice of this request as soon as possible. I 'm. very worried about a possible fraud. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This 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 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 Transunion more than 21 times. transunion 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now

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 2021-08-25
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XX/XX/2021, opened a checking account at BB & T, they gave me a few counter checks incase I needed access. Deposit over XXXX in the account, in XXXX I hire a paving company to redo our drive way, sent my wife with the counter check made out to her to cash it for XXXX ... ..her name is on the account POD, my money, they charged her XXXX dollars to access the fund and cash THEIR CHECK!!!!! 

This a racket ... .the state need to do something about this. Their check, no risk, they can look in the account and see if the funds are there and cash it. If not hand it back and try again tomorrow. 

What a joke ... .corporate theft

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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On the date of XX/XX/2022 I disputed several inaccuracies on my report. All were removed, but two has come back & it's causing severe damage to my profile. According to the FCRA several of my rights have been violated. 
15 U.S.C.602A : States my right to privacy 15 U.S.C. 604A : States a consumer Reporting Agency can not furnish my information without my written consent.

I did not give permission for any of these companies to furnish my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: WI
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:
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. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX  rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This 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 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I was notified by your company on XX/XX/2020 through A credit report regarding an alleged debt. I have reason to believe I do not owe this debt because I did not receive any communication from this company about a debt. Furthermore I have never given any of my information to your company. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Alaska.

Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information.

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Sincerely, XXXX XXXX XX/XX/2020 2020

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 2017-01-05
Company: WELLS FARGO & COMPANY
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have a private student loan with Wells Fargo that is currently in their collections department. I have tried with great effort to pay on this account and to bring it current. XX/XX/2016 I applied for a financial hardship forbearance to help reduce or delay my monthly payments and was denied. On XX/XX/2016 I called and spoke with a Wells Fargo representative ( employee ID # XXXX ) with my concern over my past due amount and monthly payment amount. I asked her what I had to do to bring my account current and be eligible for a forbearance. She told me that if I made three consecutive payments of {$70.00} they would be able to place the remaining balance due to the end of the loan, bringing me current and granting me a forbearance. I made payments of {$70.00} for XX/XX/XXXX, XX/XX/XXXX and XXXX as they requested. I even called Wells Fargo XX/XX/2016, to confirm payments made and that the agreement we made was still in place and they ensured me it was. The XXXX payments were paid on time. ( however they still charged me late fees ). On XX/XX/XXXX and XX/XX/XXXX I called Wells Fargo to discuss the position of my loan, preparing to have it brought current and a forbearance be put in place. XXXX Wells Fargo representatives that I spoke with acknowledged the agreement they had made with me on XX/XX/2016 however, they would not work with me on a forbearance or bringing the loan current. They absolutely refused to help me. My income is approximately {$1500.00} a month. My living expenses alone account for almost 75 % of that. My loan amount with Wells Fargo is {$7200.00}. I am not looking to dismiss the loan, I am only looking to cease payments for a period of time or lower my monthly payment to one I can afford. I am concerned about this loan and how it continues to affect my credit. I would greatly appreciate any help and/or guidance with this situation. Thank you

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 2016-10-12
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Recently Navy Federal has been found guilty of illegally freezing members accounts and only allowing certain access when past payments on accounts are due. Navy federal illegally doing this caused late fees assessed through my rental company. When they froze my accounts the rental company was unable to draw money from them. How can I go about getting these fees credited back due to the actions of Navy Federal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX my wallet and phone were stolen. 
On XX/XX/XXXX, I reported the theft and the fraudulent charges to the Citibank the same day, immediately after I was notified of the charges. 
On XX/XX/XXXX I filed a police report with a police officer from the State of California Department of XXXX XXXX  XXXX, the department that has legal jurisdiction of the area where the theft occurred. 
I was credited the fraudulent charges by Citibank. However, on XX/XX/XXXX the credits were reversed. I was not notified in writing of the reversal and was not provided an explanation of why the credits were reversed. 
Citibank asked for a copy of my current driver 's license. I provided a copy several times in different formats ( pdf, png, jpg, and jpeg ). Security Operations at Citibank requested only this information and I provided it immediately using the secure link provided by Citibank. This was in early XX/XX/XXXX, XX/XX/XXXX. 
I have collected more evidence to submit my position on why I am not liable and did not authorize the fraudulent charges. I have made repeated attempts to speak to someone in Security Operations investigating the case, and made repeated attempts to speak to a supervisor. Citibank refuse to provide anything in writing, refuses to return my emails or voice messages and refuses to call me back.

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 2019-10-20
Company: Credit Collections U.S.A., L.L.C.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2018 I received a collection letter from Credit Collections USA claiming I owned {$80.00} to a XXXX XXXX SPC. I immediately responded by certified mail and informed them that this debt was not mine and requested validation. See Attached. Finally, in XXXX they responded with copies of a bill which had NONE of my correct personal info on it. They violated FCRA by not responding in a timely manner and failed to validate anything. On XX/XX/XXXX, I sent them a certified letter informing them they did not validate anything and that the debt as stated is not mine. I also reminded them taking 6 months to respond is WAY outside the normal time frame. I told them I consider this matter closed and that I do not know who this debt belongs to but it is not mine. I warned them further collection attempts or any derogatory information placed on my file would result in this complaint being filed. They put this debt, which is not mine on my credit bureaus causing my score to drop over 50 points. As a result an auto loan I recently obtained I was forced into a higher interest rate because of negative marks on my credit. This has created substantial injury to me and monetary damage to me. I intend to file a lawsuit against them and would like them sanctioned for violating FCRA. They should NOT be allowed to be in the business of collecting any debts.

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