BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I was scammed by a XXXX XXXX XXXX XXXX stating I was going to have an amount deducted out of my account for renewal of a protection plan and if I did not want to renew I needed to call an 800 # to cancel in doing that the scammer convinced me that I needed to give him permission for the refund and needed to go on the website to do that so it looked just like a legitimate XXXX XXXX website and accepting the refund allowed him on my computer and he transferred money out of my savings into my checking to make it look like the wrong amount had been entered for the refund so he said the only way to get it back to him was by wire transfer so he sent email to send a wire transfer from my bank ( XXXX  ) to Wells Fargo. Upon research I realized it was a scam and called my bank however they said the wire had already been sent to Wells Fargo but they would put a freeze on it and all my accounts and for me to go to my bank 1st thing the next morning and explain and close all my accounts and re-open new ones, I did this and was htere for 3 hours then returned back to my office and spent another 4 hours filing a police report, reporting identity theft and reporting it to the credit bureau. On XX/XX/2022 XXXX  from Wells Fargo called me to confirm wire and specifically told him " DO NOT SEND THIS IS A FRAUD '' He said the money had not been sent and gave me a reference number but my bank had to request the funds back in writing. So I spoke with an XXXX at XXXX and she took the information and gave me a claim number and said it could take XXXX days to retrieve the funds. I let a few days go by and called Wells Fargo back and on XX/XX/2022 I spoke to a XXXX and he told me my bank had not sent the proper paperwork to retrieve the funds, they needed a letter of XXXX and a hold harmless agreement so I called my personal bank XXXX XXXX and got him involved and he said that paperwork had been sent on XXXX.On XX/XX/2022 I called Wells Fargo bank and spoke to a XXXX and he said the case had been closed and they sent a message on XX/XX/2022 that the funds could not be retrieved. I called my banker on XX/XX/2022 and as of that date they had not received anything from Wells Fargo and as far as they are concerned the case is still open. My complaint is with Wells Fargo!! Why did they send the money when I specifically told them not to it was a fraud!!!

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX : {$270.00} XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-01-04
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:
According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: U.S. BANCORP
State: MI
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:
Cardmember Service/Elan Financial Services XXXX XXXX XXXX XXXX, XXXX, ND XXXX XXXX sent me a letter on XX/XX/2023 indicating that they were closing my credit card " in accordance with the terms of the Cardmember Agreement ''. I called several times ( XXXX XXXX XXXX is the number ) during the month of XXXX culminating in a final call with a XXXX named XXXX at her number XXXX XXXX XXXX on XX/XX/2023 who told me the same message that I have been getting all along : the card was cancelled in accordance with the cardmember agreement. NO one has been able to tell me why. I just want a reasonable explanation. I have always paid the card balances over the many many years I have had the card and I use the card almost exclusively for every expense I have. The cancellation will be a huge imposition as it has been entrenched in my financial life for every form of payment and service. I locked my credit a decade ago so applying for another card will be next to impossible. Furthermore, the card provides cash back and i spend in excess of $ XXXX with business travel on this card. I don't understand why it was cancelled and no one at Elan will give me a good reason.

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX : {$10000.00}

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 non-monetary relief
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2017-03-16
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I refinanced through Nationstar in XXXX of XXXX. When I refinanced part of the contract was that they wanted to " retire '' the title. Months later I called weekly to confirm that would retire it and they never did. I put my house on the market for sale in XXXX of XXXX. When the contract got to the closing attorney it was found that they had lost the title to my manufactured home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: NC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance XXXX {$810.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-15
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In XXXX, I overpaid Genesis Indigo card. There wasn't anything wrong with my account until after that was done. My balance showed {$44.00} which I paid three different times then, I paid {$73.00} with a representative who told me it was received. They continued telling me payments weren't going thru so, I called my credit union on three-way and she told me all payments went thru and if not where is my money? She faxed over my transaction history which they received on XX/XX/XXXX. I've gone back and forth with this company and now I'm being told about a card I've never had in my possession. They reported my account not in good standing. ALL OF THIS BECAUSE THEY WERE OVERPAID!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 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 2023-05-29
Company: EQUIFAX, INC.
State: NC
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

2.. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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:
This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged XXXX or XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$10000.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3300.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/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 2022-12-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Yes I recently have been living for adjusting my own grounding per independence in my new life away from past individuals and have been struggling with a few things. I had placed a freeze on my credit reports ( XXXX ) credit impacting scale and since then have called multiple times to have it removed. Then once I tried logging into it, I can still no longer exercise the right to access it along with have financial usage in my everyday living. I am very hurt and getting frustrated with this issue. If you'd please help me in fixing this concern of mine I would appreciate it. 

It is the denial and or failure to accept my submissions via usage of my social security card that I am battling and tired of and annoyed. The frustration is extreme and I need it to be acknowledged immediately. I can not live comfortably with this type of stressing roadblock. If you'd please remove the freeze on my credit report immediately I would appreciate it. XXXX telephone call they agreed to remove it however it still is not accessible. Along with bank accounts being misplaced and in notified correctlt. If you'd please look into it as I can not live a life with disarray being the holding of my account security

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-01-18
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Managing, opening, or closing account

Complaint:
These cards are still the latest crusade for financial institutions to steal as much as they can from consumers ... They do it in the name of fees but the reality is they are taking money that does n't belong to them and without our express consent and with terms and conditions in the smallest print possible ... They offer companies these cards at a discount knowing a great number wo n't be used and they can keep the money ... I would like the cards 'refreshed ' and if really care to add a little convenience, perhaps put the balances on XXXX card. The account numbers are : XXXX {$70.00}, not worth {$52.00}. XXXX {$50.00}, now worth {$40.00}. XXXX {$80.00}, now XXXX, XXXX {$40.00}, now {$8.00}, XXXX, {$20.00}, now XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX. Account number : XXXX - Account name : XXXX XXXX . -Account number : XXXX. Account Name : XXXX XXXX XXXX. Account number : XXXX. Account Name XXXX XXXX XXXX. Account Name : XXXX. Account Name : 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 15 U.S.C. 1681 c. ( 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 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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I received a notice from transition, XXXX, and XXXX that my XXXX XXXX account was late for XXXX, XXXX, & XXXX of 2022 and has a balance of {$41.00}. This is inaccurate information that was reported to all three credit reporting agencies. 

I paid my account balance on XX/XX/2022. Since then, I have not had any activity until unexpected activity in XXXX for a credit of {$41.00} that I am unaware why exists but is showing up as a balance instead of a credit on my credit report ( no activity has occurred since XXXX of 2022, so I have no idea why there is any activity occurring on the account ). 

I disputed it with Transunion, XXXX, and XXXX and the 3 months ( XXXX, XXXX, and XXXX of 2022 ) that it lists late payments were not removed. In addition, it lists now that there is a {$41.00} balance, even though there is no balance, other than a credit, on the account. 

I have never been late and do not have a 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 non-monetary relief