BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: FL
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:
Dear Equifax : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion continues to report inaccurate information on my Credit Report for the following account XXXX XXXX account # XXXX They are reporting this as a " Fleflexible spending credit card '' this is not accurate and should be deleted. 

This account is also reporting 120 late on multiple months without reporting 150, and 180 late again this is not accurate information please see attachments

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Overcharged on late fees .would not close my account out once I paid it 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 monetary relief
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was a victim of an inside job from wells fargo and my account was wiped clean. I was forced to immediately leave this bank and find another institution. I'm still struggling to this day to try and get back to the dollar amount that I had before this incident

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
was charged for NOT writing checks. Was told by Wells Fargo people at the XXXX XXXX XXXX FL office there would be no fees involved for having just a simple savings account with them. Being from out of state of FL and a winter resident only, I was trying to get established in the banking community in FL.

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 2022-10-23
Company: EQUIFAX, INC.
State: MD
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:
Factual data sheet attached. CFPB Reference : XXXX Re : Discover See attached the factual sheet : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and Equifax Full name XXXX Last XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Former Address : Social Security # : XXXX Home Phone : XXXX Date of Birth : Work Phone None Employer N/A Spouse Name N/A Spouse Social Security # N/A Credit Report Dispute / Account Information Dispute Section Company Name : XXXX Bank Account # XXXX XXXX XXXX Not my account X -- -- Was never late -- -x -- -Account paid in full -- X -- Current status incorrect -- -- other -- -- -- Dispute Explanation : This account was paid in full Company Name : Company Name : -- -- -- - Current status incorrect -- -- other -- -- -- Dispute Explanation : Company Name : Courthouse or Collection Agency accounts : Courthouse or Collections Agency Case number for courthouse records only -- -- Not Mine ( explain ) -- -- -- Satisfied -- -- -- Released -- -- -- -Dismissed -- -- -- Discharged -- -- -Collection was paid -- -- -Other ( explain ) I certified that all information above is true and factual. 
Signature XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. Telephone XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX. Telephone XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Was notified by the credit bureaus that there was a medical collection on my accounts which posted XX/XX/XXXX. I sent a letter to the collection agency for validation and they sent back a bogus letter saying it was a hospital bill from XXXX. I have not been to the hospital at all. The credit bureaus sent back letters saying it was validated. How can you validate something in less than one week after the postage date of me sending letters. This situation has caused me nothing but stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: GA
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX I had went to prison got sentenced to 28 months in d.o.c.. I had XXXX XXXX XXXX XXXX  dollars in my savings account that I did not give anyone permission to use my account or withdraw any money from my savings account.. XX/XX/XXXX I got released from prison I get out XXXX to bank my account was closed and no money in my account?? So I talked to numerous people including managers and they said they can see were I had money in my account and it was closed I said I went to prison on XXXX XXXX XXXX and never touch down on the streets till XX/XX/XXXX so how come my savings account is closed and I have no money in there so they did some digging and found were someone has withdrawn all my money out and put it in a whole niether account with out my permission thats fraud XXXX put my money in a bank to be safe and they let someone else take all my money out and closed my savings account with out my permission so I tryed for XXXX long months to get my money back they said they was not gon na give me no money they declined my problem..

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 2023-02-03
Company: WELLS FARGO & COMPANY
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint is related to the Wells Fargo settlement for XXXX. I had a primary mortgage with Wells Fargo from XXXX to XXXX. After the HARP program was initiated I called Wells Fargo mortgage to ask about applying for a HARP mortgage modification around late XXXX or early XXXX since I was experiencing financial difficulty due to the economy. The person I talked to said I would not qualify unless I came up with over {$40000.00} to be eligible for the HARP program. I don't believe that was correct and that I should have been approved for a mortgage modification. I believe that Wells Fargo was unwilling to give me a modification and would have preferred me to default on the mortgage because it would have been more profitable for them. At the time, my mortgage rate was % XXXX. I was never able to get a mortgage modification despite several attempts with Wells Fargo. During the entire time I had a mortgage with Wells Fargo I also had a checking account with Wells Fargo, which I'm unsure if I was changed any erroneous fees or had accounts opened in my name without my knowledge or approval. I believe I am entitled to file a claim since I have not received any correspondence from Wells Fargo or any payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I closed my XXXX Credit Card approximately a month ago with Discover and at first they told me that my money would be send as a check by mail in 5-7 days. Last weekend I called and asked again where is my money, but not only nobody could help me ( they transferred me more than 8 times to others Representatives ) but also gave me the same speech that I also have to wait 5-10 days now. This is an absurd, because they messed up in the first time and I still dont have my money back! This is a unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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: Was not notified of investigation status or results

Complaint:
Equifax -- -I have mailed them on 2 or 3 different occassions explaining to them that I have NO account with XXXX XXXX XXXX. 
Not only has it been over 30 days, they never even responded back in any form. 

I have NO rights with them, they get paid from these companies and us little people are left behind. 

Can I sue them for this false information?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had an account with Wells Fargo between XXXX - XXXX I closed it out because I was being charged way too many unauthorized transactions and fees and Wells Fargo was taking money every time I deposited money into my account a total of XXXX dollars in unauthorized transactions and fees

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 2022-12-20
Company: Capio Partners, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B ( 15 U.S.C. Code Section 1681c-2 ), and 611 ( 15 U.S.C. 1681I ) of the FCRA : once identity theft has been alleged until further due diligence has been performed or a reasonable conclusion has been determined.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
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:
Check Documents for Documentation This account should not be furnished on my consumer report as they are in VIOLATION of my RIGHTS!!!!!

Under, 15 U.S Code 1681b - ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Under, 15 U.S Code 1681b 1681b-A ( 2 ) ( i ) the reasons for the determination under subparagraph A and ( ii ) CONSIDERATION OF CONSUMER INFORMATION ( 4 )

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 2023-01-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card with USAA. I opened the account with a balance transfer and only intended to use the account to slowly pay off the balance without ever intending to use the card. After several years of payments, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX appeared on my account that I never made. The charge was refunded on XXXX XXXX XXXX but since that date I have been charged purchase interest on that transaction every month. 
My first call to USAA was in late XX/XX/XXXX to dispute the purchase interest. I told them I wanted a fraud investigation started and the purchase interest stopped. I was told that the only way to stop the purchase interest charges was to pay my balance in full. The account balance is several XXXX dollars. I told them that was unacceptable and ended the call. No further communcation was received from USAA. 
Every call to USAA requires XXXX min to as much as XXXX hours to get through and be transferred several time until you can get the right dept. 
On XX/XX/XXXX I called USAA and after XXXX or XXXX transfers, I was told that the member resolutions team 's computer was down and I would have to call back later. 
On XXXX XXXX XXXX I called and after only XXXX minutes I got someone that understood the problem but she put me on hold and when she came back her microphone was garbled, then I went back to hold music, then garbled mic and suddenly I was back at the beginning and had to explain the problem again a person that then transferred me to the " stop payment dept '' where the prompt said the wait was XXXX min or longer. I hung up. 
On XXXX XXXX XXXX I called and spoke to a woman that advised me a fraud claim was never filed, but she would start XXXX now. She refunded me XXXX month of purchase interest and promised me a letter would be sent to me in XXXX to 5 days stating the results of the claim. No letter was ever received. 
On XXXX XXXX XXXX  I called and after about an hour I spoke to XXXX XXXX in member resolutions. After another XXXX min on hold, she advised me that I would have to send a letter to USAA Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She advised the letter had to all the details again. 
On XX/XX/XXXX I sent the letter. 
On XX/XX/XXXX I never received any reply but XXXX finance charges were reversed totalling {$25.00}. 
On XX/XX/XXXX The purchase interest charge is still being added to the acct. 
On XX/XX/XXXX USAA added XXXX charges totaling {$24.00} listed as " adjustment to account '' without any explanation. 
Further statements in XX/XX/XXXX and XX/XX/XXXX show they are still charging purchase interest. 
It is very apparent on my account because I don't use the card but this is probably happening to thousands of their customers without them even knowing!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: W&A Intermediate Co., LLC
State: FL
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:
In accordance with the Fair Credit Reporting act, WAKEFIELD AND ASSOCIATES is a company I never heard of until obtaining a copy of my credit report. This company has has not only violated my right to privacy but has also placed a fraudulent item on my credit report in efforts to prevent me from acquiring credit/resources to support my family. 

15 USC 1681 section 602 A states that I have the right to privacy.

15 USC 1681 section 604 A ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions which I would never give an okay to do so that I've never heard of.

Are they claiming to be the Original Creditor and can state under oath that I signed a contract with this company and if not how and why do they feel they have the authority to legally collect on an account they never originally owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Debt Collectors International, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
DCI ( Debt Collectors International ) contacted me about an ( unknown ) debt to XXXX. I had reached out to XXXX to directly resolve the debt. 
XXXX continued to call, aggressively threatening me even after being advised I was working with XXXX directly. 
She called the shop and spoke To employees about the debt, telling them shed sue and disclosing amounts owed. She then posted on my XXXX page under several posts and disclosed the amount owed, telling customers about the debt and threatening to report me to XXXX XXXX  XXXX XXXX. She then aggressively messaged my inbox and web page. I have screen shots. She was advised to stop. She told me to bring it. This is harassment, and most likely due to the fact she wont get a commission from payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-04-27
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I used my credit on XXXX th to pay back a small loan, never ever used this card to handle or withdraw any cash! I just Received my statement today and not only Capital One charged me {$10.00} fee for '' cash advance '' but also they withheld my money twice and never ever disclosed ajupf these terms to me!

Company response to consumer: Closed with monetary relief