BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello there, It all started with a fraudulent charge on my credit card, I file the claim with Wells Fargo and requested a refund, finally I got that taking care of, but the waiting was very unpleasant with Wells Fargo customer service, the fraud and claim departments. These people behind the phone, only provide first name, please investigate this bank deeply, today I will close my accounts because they are threatening me to close my accounts if I do n't provide a Social Security Number, this bank was the one who opened a credit card and wanted me to do business with them. They are threatening because I submitted the claim of those charges. 
When I called I started a log because some calls were very unpleasant, poor customer service, they put me on hold, they hung the phone on me as well. 
Every time I called I was give information to wait, or they transferred me to other departments and they hung the phone on me. 
I have a few names of those customer service representatives from Disputes or Fraud or customer service offices that really need urgent training. 
I was treated really bad, not a care for my dispute and wasting my time with vague answers. 
Wells Fargo Card Services, XXXX XXXX, this man keep sending me emails with no real answer and ignoring my requests. This man never provided the last name but you can see in the attachment what he was doing. I even this there is bad intentions to cause distress. 
Wells Fargo Online Customer Service, XXXX XXXX, this woman asked me information about my issue with Wells Fargo and never responded, never follow up, instead she sent the email to XXXX XXXX the man, mentioned above. 
Wells Fargo XXXX Speaking representative, XXXX, this man, I beg him for help after being hung up a few times, this man, put me on hold for 25 minutes and then hung the phone. 
Yesterday, I received another letter that unless I provided my TIN or SSN they will close the account and penalties will apply. 
I have done business with this bank for about 14 years, not the best of experiences, they are the ones who sent the option for a credit card, and now this. 
I believe they want to bother me because I disputed those charges from my account. 
The first letter came from a XXXX Manager, Wells Fargo Risk Operations XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Can you please investigate this bank. 
Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
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:
sending to them? I have been requesting that the Credit Bureaus update the disputed account to appear accurate information on my Credit File, but despite all my efforts, the XXXX is yet to respond to my letters. The XXXX credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
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: Their investigation did not fix an error on your report

Complaint:
i am filing this complaint because XXXX, XXXX and equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account i disputed. being that they have gone past 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified ' that i have disputed. please resolve this issue immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The XXXX Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX XXXX I was denied a loan from XXXX due to Transunion credit report. Transunion had my XXXX XXXX as XXXX. My XXXX XXXX has rarely ever been under XXXX. After 4 hours on the phone and multiple calls to Transunion I was able to determine they have 3 different accounts under my social security number and this is why I was denied. I tried to have them fix the error but they refused and said someone would contact me. In the meantime I am unable to get a loan for solar panels and am losing money due to their error. XXXX and XXXX both have my correct information and credit scores over XXXX. Transunion consistently mixes my accounts and should be held accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are a few accounts on my credit report that I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-07-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The XXXX Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Sunday XX/XX/2019 I contacted my bank ( Bank of America ) to report two fraudulent transactions on my debit card. I have a joint account with my husband and we both have debit cards, both have their own card number. The Bank of America representative assured me the the fraud charges were only on my card and that to prevent further issues, cancelled my card and my card only. The representative then ( without my knowledge ) cancelled BOTH cards associated with my checking account. I did not authorize the cancellation of my husbands unaffected card. He did not inform me that he cancelled my husbands card as well. I actually confirmed with the representative multiple times that my husbands card was fine and that it would still be usable. He assured me his card was not affected with fraud and would be usable like normal. 

Yesterday I went to make an online purchase on XXXX using my husbands debit card ( we also have a joint XXXX account ) and the purchase was declined. That is how I found out both cards were cancelled. 

After contacting Bank of America again all they could do was say " sorry '' and essentially send me on my way to just wait for our new debit cards to arrive. No emails, alerts, messages, texts, NOTHING was sent to either myself or my husband informing us about the debit cards being closed so until we would go to make a purchase, we wouldn't know that we had no access to our money.

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 2015-07-27
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had my previous account open with wells fargo for two years from XXXX, and they never used they had a right to close my account. The only reason why they froze my account was because they told me my account was compromised and they told me, to go into my local branch to open a new one. My rights have been extremely violated. Wells fargo has never given me a real reason for why my account was closed. I would like to point out why did n't they close my last account that was compromised because they said they had the right to. I was told to open one and to close it XXXX days later to only just say, they have a right to close it and leaving me in the dark about it saying they sent me a letter when in fact they did n't. And was going to let me be embarassed when i went to purchase something, that is not how you treat people. I do n't care how many rights a bank has that is not how you treat a person, let them be embarassed in public because their debit card gets rejected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

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 2021-02-24
Company: T.S. Holdings
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I got a letter from I.Q Data saying I could settle for a percentage of my balance. I gave them a call and we came to an agreement. I paid {$100.00} the associate told me I would have an receipt within the hour no receipt was ever sent to me then they claimed they dont send receipts. I asked for a letter stating our agreement and that the collection would be removed from my credit they assured me that it would be removed after full patent but didnt want to send me anything in written. I have called multiple times and talked to different people, all the associates were rude and disrespectful. I have started to record my conversations with them to cover myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The Fair Credit Reporting Act ( FCRA ) mandates that all information contained in credit agency reports be checked for accuracy. I have requested that they verify a bankruptcy that is shown in my credit file as well as the source that is providing the information about the bankruptcy. I requested this over 90 days ago via USPS and have yet to receive a response.

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 2016-01-13
Company: Roycroft Management
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Central Mediation Service call from another phone number XXXX XXXX XXXX and leave a different number. When I called and asked them why they would threaten my wives family and call friends and family they said it was n't them and they hire that out but would not give me any information. They have called my wives family and threatened my wife through her family. Then that number calls my wives phone and asked what she wanted she game me the phone and asked what I wanted I said you called me what do you want then he hung up. When I call and ask for an address they hang up. I have called them about XXXX times the last XXXX have been just to ask for address, Now they just hang up without saying anything. They said their client was XXXX and I called them and they said they did n't have the loan and they sold the loan in XXXX of 2015 to a company that is not the same as the XXXX with all the threats. The company that XXXX sold it to wont call me back so I can ask them about it. Central Mediation Service makes it sound like my wife will be arrest. Oh and we have never got one thing from them in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$890.00}

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 2022-07-25
Company: EQUIFAX, INC.
State: VA
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:
The Fair Credit Reporting Act ( FCRA ) mandates that all information contained in credit agency reports be checked for accuracy. I have requested that they verify a bankruptcy that is shown in my credit file as well as the source that is providing the information about the bankruptcy. I requested this over 90 days ago via USPS and have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Nations Recovery Center
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A man called me asking for information on how to contact a " XXXX XXXX ''. The man said my name was listed as a connection for XXXX XXXX. The man on the phone did not identify himself until I asked for his name. He said he was XXXX ( XXXX? ) XXXX with Nation 's Recovery. I asked if this was some kind of emergency that he needed to reach XXXX XXXX. He said, " No. '' He did not explain what the call was in reference to, but he left a phone number to call - XXXX XXXX XXXX XXXX, ext XXXX. My phone shows that XXXX XXXX call actually came from ( XXXX ) XXXX, Wednesday XXXX. XXXX, at XXXX. 

I believe this call breaks several laws concerning debt collection and I want to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I was unable to link my PNC account to my XXXX account. This is unacceptable in the modern age. I should have freedom to use applications such as these to conveniently process transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: JPMORGAN CHASE & CO.
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I filed a claim at my bank where there was fraudulent use of my checking account. Checks were written out to my sister by my sister twice a month over a six month period before I caught it and reported it. I did file a police report. The amount taken was {$6500.00}. After a three month investigation the bank only returned {$2500.00} to my account. I would like to try to recover the other {$4000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan is with Ocwen loan number XXXX, and there is a foreclosure sale for XX/XX/XXXX-i am desperately asking for you to help me keep my home. 
i have been calling Ocwen to ask for help to apply for a loan modification and every time i call i speak with different agents telling me to send an application. I was approved for a modification in XX/XX/XXXX but i did not accept it because the payment was very high and the gave me a balloon payment of almost XXXX dollars. i callled and an agent told me to send a loan application but when i faxed it and called to see if they received it they told me no and that they could not help me to keep my home. Please help me so that i can have the opportunity to apply for another modification and i also asked for a repayment plan i am trying to get some money to make arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: MS
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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