BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
Company: WELLS FARGO & COMPANY
State: CA
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:
Wells Fargo received my former CFPB complaint number XXXX and a copy of my attached credit report and instead of addressing all months listed on the report that are in error, WF only responded related to one billing cycle instead of responding to my complaint regarding ALL billing cycles. Therefore, I am compelled to file an additional complaint with CFPB. I implore you to thoroughly research the attached document and thoroughly read it and correct ALL errors immediately. Do not send another scripted/form letter, actually read my complaint, call me if further clarification is necessary but, do not send another incomplete, scripted reply to my complaint or I will be compelled to join in the pending class action lawsuit that claims WellsFargo discriminates against their XXXX customers. 

Wells Fargo credit bureau reporting practices are discriminatory. Wells Fargo is purposely reporting incorrect high balances with the intentional purposes to negatively affect XXXX consumers. Every month for three years Wells Fargo has reported an inaccurate high balance. For the past 12 months WellsFargo has reported a high balance of {$990.00}. My high balance has actually been XXXX. My credit limit is {$1300.00}. My balance is the second most important factor in calculating my credit score. More specifically, credit reporting agencies look at the ratio of my credit card balances to my credit limits, which is known as my credit utilization. WellsFargo has a history of inaccurately reporting balances of people of XXXX with the specific intent to oppress by affecting their credit worthiness.

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 2017-11-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I understand federal law states that financial institutions are mandated to apply the money toward the mortgage balance the day the money is received. 

Facts : I have a mortgage with Wells Fargo. Every other Friday XXXX of my mortgage payment is drafted from my Wells Fargo checking account ( there is no waiting period for the money to transfer from any other institution ). I 've never been late or not had the money in the account when the transfers were made. 

When I refinanced I set the account up to have payments made every two weeks in an effort to help pay the loan off faster. 

Summary : The payments are drafted every other Friday but the first payment is held for 14 days, when the other half of the payment is drafted, before being applied to the mortgage account balance.

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 2016-06-29
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I place a call to PNC Mortgage in regards to a Loan Assumption. I told the loan assumption clerk that I will be retiring pretty soon and my income will be drastically reduced. Can my wife of 20 yrs assume the loan due to the fact that she has been making the payment for the last 10 yrs. I was told by PNC Mortgage Loan Assumption Dept., the only way my wife can assume the loan is either thru death or divorce per XXXX XXXX Guidelines. I contacted XXXX XXXX and inform them what PNC Mortgage Loan Assumption Dept. stated. / A XXXX XXXX supervisor TOLD ME THAT IS ENTIRELY UNTRUE, NOTHING IN THEIR GUIDELINES STATES THE ABOVE. My rights as a consumer was violated and I ask you to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Central Financial Control has reported and continues to report information to the Credit agencies that they know is inaccurate and false information. I have contact them several times in writing as well as numerous phone call over the past year. I have sent then CERTIFIED MAILINGS with copies of the CANCELLED check as PAYMENT IN FULL as well as bank copies of the processed check as payment. ( Please see attached uploaded documents ) There are RUINING MY CREDIT RATING!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions 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 XXXX  XXXX  ACCOUNT # XXXX, XXXX  XXXX  XXXX ACCOUNT # XXXX XXXX ACCOUNT # 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 account without my written instructions

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 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  XXXX  ACCOUNT # XXXX, XXXX XXXX  XXXX ACCOUNT # XXXX XXXX ACCOUNT # 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 account without my written instructions

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 2017-01-20
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am a Veteran and I was on a steady payment plan before Navient took over my loan. I paid faithfully every month and when they took over they stopped the payment plan I paying and started calling harassing me about paying excessive amounts when I was paying based on my income. I have put in for a hardship with them and they denied me once again still demanding a high monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: NY
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 called the Experian after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were XXXX XXXX, XXXX XXXX accounts on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts to BLOCK OR REMOVE it in my credit file. I attach a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement, drivers License, and my Social Security Number are all included in this complaint request. I want you to know that I am telling the truth and the Experian not block the going with things recorded underneath which are noting mistakenly a result of extortion

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 2015-06-24
Company: Brown and Joseph, Ltd
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This company suddenly began calling about a debt that was a result of an audit done in 2013. we were never informed of the outcome of the audit and assumed it was because the Insurance Company went out of business. It took multiple requests to even get a copy for this audit. I was told I was a liar, I was stalling, my agent was a liar etc. They threatened legal action, impersonated a law firm, threatened to have our current insurance cancelled and even put us out of business. My agent even called them and asked them to stop collection attempts, as we were disputing the audit directly with the Insurance Company. There have been calls from XXXX different people from this firm. XXXX have been the most vicious and abusive people I have EVER encountered in my life. I have been called every name in the book while trying to communicate with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 DPT ED /XXXX Account # XXXX, DPT ED XXXX Account # XXXX, DPT ED XXXX Account # XXXX and 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 account without my written instructions

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 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 called the Transunion after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were XXXX XXXX, XXXX XXXX accounts on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts to BLOCK OR REMOVE it in my credit file. I attach a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, drivers License, and my Social Security Number are all included in this complaint request. I want you to know that I am telling the truth and the Transunion not block the going with things recorded underneath which are noting mistakenly a result of extortion

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 2016-12-01
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo is allowing fraudulent activities and theft in the amount {$3700.00} in unauthorized checks in which I was not present over the course of XXXX months. I suspected fraud activity related to my account in early XX/XX/2016 and went in to a branch on located at XXXX, XXXX NC. At that time, I put a verbal pass code on my account and specifically indicated is authorized to make withdrawals from the account. XXXX on XX/XX/2016, an unauthorized withdrawal was made in the amount of {$2000.00}. At that time, I was informed that this money would be refunded back to me if I was not physically present to obtain the money. Since that time, there has been XXXX more unauthorized transaction made on XX/XX/2016 * {$1000.00} XXXX and XX/XX/2016 ( {$750.00} XXXX. Today I was informed that my claim for the {$2000.00} was denied because the signatures matched. This is ridiculous and fraudulent as I was not physically present to authorize these withdrawals. The XXXX is allowing this fraudulent activity and failing to verify identification and my verbal password for the account. My business has suffered as a result and my account balances are falling low due to the NSF fees of more than {$200.00} and these transactions. I am requesting that this branch pull the video and refund me my money and NSF fees for allowing these unauthorized transactions to occur this is ridiculous. Please be advised that I will file a suit for damages if these funds are not placed back in my business account. Additionally, I all NSF fees refunded since XX/XX/2016. On XX/XX/2016, Wells Fargo XXXX my account due to NSF fees and I have not been able to use this card since that time ; therefore, it is impossible to have withdrawals for this account without providing identification and my verbal pass code. 
This is my final demand before I proceed with a adversarial approach and file a suit in court.

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 2015-07-12
Company: Trident Asset Management, L.L.C.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Trident Asset Management did n't respond to my direct dispute. My name is XXXX XXXX and Trident Management is knowingly reporting false information to the credit reporting bureaus. They bought an account from said " XXXX Stores '' and have continued to falsely report it as an open, revolving account with a past due balance of {$100.00}. They are not allowed to report a past due balance. I do not recognized this debt either and is reflecting on my credit reports for sometime now. The account number is XXXX. This is a collection account. I have disputed this account as a CRA DISPUTE. This account is further negatively affecting my credit report and score due to this company 's false reporting. I am demanding full deletion of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Ford Motor Credit made several monetary and clerical errors on my account that ultimately ended up in them reporting my account delinquent to the credit bureaus severely impacting my credit score. Prior to the negative report I called customer service to warn them of the issue, to which they responded that indeed they made an error and they would resolve the issue and contact me. I was never contacted, so imagine my surprise when I saw the hit to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My problems is with Chase bank and XXXX  XXXX XXXX. My account were closed due to a fraud and its now XXXX I cant open my account or get any credit card because its always say credit delinquencies so I need help to remove it. My account were used by someone who used it to do fraud so please help me to fix it Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Professional Placement Services, LLC
State: WI
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:
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
First of all, it 's not a debt. I do n't owe anything to XXXX XXXX XXXX ; however, Continental Credit Ctrl reported this on my credit report with XXXX. I did have XXXX but everything was paid in full. I even went to my online account and it shows {$0.00} balance. I do n't know how they got this incorrect information and it 's very frustrating. Please help

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I opened a brokerage account with ROBINHOOD FINANCIAL , LLC CRD # : XXXX # XXXX XXXX on XX/XX/2022 and I deposited XXXX $ from my own savings account. They claimed that it was a suspicious activity and have been holding my money hostage since then. They asked me for all kind of documentation ( bank statement, copy of SSN card and ID card ) and even after I did provide it all, they still dont want to release my money. I asked to have the money just sent back to my savings account but to no available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Trans Union XXXX XXXX XXXX XXXX  XXXX, PA. XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted 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 2018-03-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I pulled my credit reports. On all the reports it shows I have negative and a late account with XXXX XXXX. These account where paid off and closed in XX/XX/XXXX by XXXX. Also its several accounts showing late payment from XXXX and XXXX of XXXX. I tried disputing the inaccurate information with XXXX, XXXX and Experian. All came back verified. I called XXXX XXXX, spoke with an agent. She told me that they haven't report to the credit report agents since XX/XX/XXXX. She advised me to send a copy of the reports where the information show and they will take care of it. She provided me the email address ( XXXX ), fax number and the mailing address. I sent the information she asked for and the information is still reporting incorrectly on my reports.

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