BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-22
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
My parents opened an IRA with Wells Fargo for me for the tax year XX/XX/XXXX in XXXX. It was opened with my Social Security # but since I was in college at the time, moving frequently, my parents had the statements mailed to their house. A few years later my parents moved to XXXX and continued to have the statements mailed to them. A few months ago I was looking through documents my parents had given me years ago and found a statement from XX/XX/XXXX and wondered what the value of it was. I called Wells Fargo - they have no record of that account number and know nothing about it. I 've called their general XXXX # ; their South Dakota headquarters, several depts and even the branch in XXXX, XXXX where it was opened. Wells suggests that because there was no activity ( e.g. contributions ) on the account that they would have sent a notice asking for contact from the customer and if they did n't receive a reply they would have escheated it to the state where it was first opened. They also note that since it 's been more than 7 years they are not required to keep records and is why they are n't able to find the account number or any activity on it. 
I have called the XXXX State Treasury 's Unclaimed Property - they do not have any record of it. The XXXX State Treasury indicates that they believe that unclaimed property will follow the individual 's Social Security # and since I now live in XXXX, WA it may be here. I called the WA State Treasury. Their unclaimed property dept has no record of it. WA State Treasury believes that unclaimed property would have been sent to the state that the bank last had record of for the customer. In this case that would be XXXX. I called the XXXX State Treasury, and again - they have no record of it either. 
My mother is meticulous about keeping records - she does not ever recall receiving a notification from Wells Fargo that there was no activity on the account and it was going to be escheated. Both my parents and myself had assumed that an IRA is not something that needed to be kept " active '' - we were under the assumption that it is a retirement account, meant to be left alone until ready to draw on the funds in retirement. I am far from retirement. Your help with this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've been sending disputes to Experian since XX/XX/2019 and was only able to get 'notice of disputes ' when I gave up and just disputed online. What most consumers don't know is that we forego certain consumer rights when disputing online. Experian has yet to respond to my certified mail disputes ... its been almost 5 months ... wayyyy over 30 days.

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 2016-04-05
Company: COLLECTIONS USA, INC.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I started getting money taken out of my paycheck and I found out from my XXXX that it was my wages getting garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Auto loan from Wells Fargo from XXXX. Balance was {$22000.00} but fees were questionable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Netspend Corporation
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
these guys managed to make the wrong package on all my accounts, also I believe I have refunds in other accounts thye have not credited back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX XXXX, XXXX, named the XXXX fastest growing privately held company in the US, is the latest in a series of recovery agencies purchasing old WF long time closed credit card debt. In my case, they took me to court to profit on a ( most likely bundled instrument ). I have consistently asked for the " purchase price '' they paid, through the law group they hired, and XXXX or XXXX refuse to give me that information. XXXX hired lawyers. There is a court ordered settlement hearing tomorrow, and then the case is scheduled to go to trial. Are they allowed to profit on me, XXXX, when I have no means to pay, the loan was written off by a bank that got bail-out funds relevant to the 2008 crisis, around the same time period. Were I to be able to come by funds to end the case, those same funds would find more prudent social use being applied to life-saving treatments for a medical condition. Why are certain consumers caused harm and not allowed to dissolve a debt during substantiated illness, job loss, other than through bankruptcy, when banking institutions DO get other benefits and help when as a corporate " entity '', they face their potential demise? And at bare minimum, why are the consumers not given the right to KNOW what their supposed debt is sold for, so they have lower cost options for resolution if desired versus " for profit '' agencies : the option to borrow money from a friend or get assistance from a nonprofit to prevent or end legal harassment for profit. This seems a reasonable option for folks seriously harmed by debt. Prevent stressful ordeals at that opportunistic bundled purchased price when requested. I am in formal Discovery to gain knowledge of what the amount of the " pennies on the dollar purchase price '' was, in order to 1 ) have that fact to work with, and 2 ) to be able to prevent inaccurate XXXX, which will affect my ability to have insurance. I have no lawyer, and like many Americans, can not afford XXXX. Can your agency help? Is there policy or law in effect I do not know about concerning this issue? Is there policy being written for XXXX to be able cancel debt, at the price it 's being sold at to " for profit '' collection agencies?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have disputed the issue with the original credit reporting company and their records do not show negative accounts listed. They told me to place consumer disputes with credit bureaus. In addition XXXX credit bureaus do not show information on negative accounts, yet they are being listed again as open negative accounts through another credit bureau. I have spent much time trying to resolve these issues, so that the XXXX reporting bureaus are accurate and consistent in the information they are reporting about my credit history.

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 2021-08-31
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: Reporting company used your report improperly

Complaint:
I did not authorize this company to pull my credit. I have asked XXXX XXXX and XXXX to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
State: AR
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:
These fraudulent accounts are from the direct result of identity theft. 1.XXXX  XXXX # XXXX, 2. XXXX # XXXX, 3. XXXX XXXX XXXX # XXXX, 4.XXXX  XXXX. 
Its been several months now I have been in consistent contact with Experian consumer reporting agency in regards to fraudulent accounts appearing on my credit file due to identity theft. In addition to my disputes, I have sent an identity theft report from the Federal Trade Commission which included some of the fraudulent accounts and addresses being reported on my credit file. Since I have yet to received any correspondence or original documentation obligating me to any of the fraudulent accounts in question from Experian. Experian has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act sections 605b, 609, and 611. Experian has also failed to provide a block after being notified within 4 business days by a consumer from being a victim of identity theft. As a consumer my rights have an continued to be violated and Experian should be held accountability. Experian has not provided as per the Fair The Credit Report and reasonable and fair investigation within 30 days. This is totally unacceptable and is currently having a negative impact on my financial situation. I recently have been denied credit due these inaccuracies and Experian is liable.

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 2016-07-07
Company: SQUARETWO FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Back in 2008 we had to get a loan to pay for our vehicle to get fixed, an so went foolishly with one of those high interest XXXX loans. I defaulted on that loan. Now, CACH LLC has placed a levy against me for that old debt, and if it goes through me and my family will have nothing to live on.

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 2021-08-31
Company: U.S. BANCORP
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I bought a visa prepaid visa gift card for {$100.00} plus a {$5.00} activation fee at Kroger in XXXX, TN on XX/XX/21. The cashier gave me the receipt and activation receipt. Later that day when I went to use the card I found out it declined. I called the provided number on the back of the card at XXXX to find out the card had never been actually loaded by the card. They advised I go back to Kroger. I immediately went back to Kroger and Kroger advised that the card was loaded properly since it did have an activation receipt. I called again the XXXX number on the visa card and they said that I could submit a fax of the activation receipt, Kroger receipt, front and back of the gift card and fax it to XXXX, which I did immediately at XXXX XXXX. They said that this occasionally happens and that as long as I had proof of activation, it would be resolved through their end ( the prepaid gift card company ). I called the XXXX number on the back of the card multiple times over the next few days and every time was told that it was being investigated by their team. Eventually, I was told they lost the fax I sent and that I need to send it again and start a new process, wait 3-5 more business days etc. I have spent HOURS/DAYS of my life now trying to get this resolved and can not keep going through this cycle of false information they keep feeding me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX account is a charge-off and information was SOLD to someone else.

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 2015-05-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian continues to post a public record that does not belong to me, they shows it as remaining, and have not followed up with the XXXX County Record of Deed, they do not have a tax lien for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
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:
I noticed a few inquiries on My report 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 explanation
Consumer complaint received 2021-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My electronic funds where illegally withdrawn and stolen out of my account on two separate dates XXXX XXXX for the amount of XXXX and XX/XX/2021 from another withdrawal for XXXX. I immediately filed a claim with Bank of America on XXXX XXXX right after I became aware of the illegal activity. Bank of America canceled my debit card and issued me a new one. I received a letter on XX/XX/2021. Stating that " no posting error has occurred on your account '' I then filed 2 more appeals last appeal on XX/XX/2021 and no answer. Both where denied with the same reason. I keep asking them over the phone to mail me a written explanation on why the appeal was denied and they still have not mailed an explanation. Bank of America representative just says they will mail one out and they never do. I have yet to receive my XXXX dollars taken out of my account since XXXX of 2021.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01
Company: QUALITY ACCEPTANCE LLC
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
The enclosed document explains all, I am going after QUALITY ACCEPTANCE for extreme illegal behavior, embezzlement, unfair credit reporting, harassment, making false legal threats to intimadate, reporting false amount on credit report,, unfair business practice and then some, this letter enclosed will go lawyers, media, ATTORNEY GENERAL, and I hope they investigate person at QUALITY been handling this, they might be the thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
These fraudulent accounts are from the direct result of identity theft. 1XXXX XXXX # XXXX, 2. XXXX  # XXXX, 3. XXXX XXXX XXXX # XXXX, 4.Capital XXXX XXXX XXXX, 5. XXXX  # XXXX,. Its been several months now I have been in consistent contact with Transunion consumer reporting agency in regards to fraudulent accounts appearing on my credit file due to identity theft. In addition to my disputes, I have sent an identity theft report from the Federal Trade Commission which included some of the fraudulent accounts and addresses being reported on my credit file. Since I have yet to received any correspondence or original documentation obligating me to any of the fraudulent accounts in question from Transunion. Transunion has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act sections 605b, 609, and 611. Transunion has also failed to provide a block after being notified within 4 business days by a consumer from being a victim of identity theft. As a consumer my rights have an continued to be violated and Experian should be held accountability. Transunion has not provided as per the Fair The Credit Report and reasonable and fair investigation within 30 days. This is totally unacceptable and is currently having a negative impact on my financial situation. I recently have been denied credit due these inaccuracies and Transunion is liable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
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: Account status incorrect

Complaint:
I have already submitted complaints about my credit scores dropping for no good reason to transunion and XXXX. My reports clearly show that my payments are 100 % on time with no derogatory marks. This is a form of corruption that has to stop with these reporting agencies. are they working in cahoots with the insurance companies to make you pay higher premiums? It is good to know that president trump has gotten rid of your former CEO. He was no help with these issues at all. I will file a law suit against XXXX and transuion if they do not put my credit scores back to where they belong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Bank of America Missouri, has caused Financial harm and Financial Deformation, by reporting inaccurate and false information to XXXX. XXXX Consumer ID report number XXXX has caused me Financial harm and Financial Deformation by reporting to Banks inaccurate and false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
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:
I am a victim of identity theft. I have filed a complaint with the Federal Trade Commission because someone open unauthorized accounts in my name. I have tried several times to correct this erroneous information on my credit reports but to no avail.

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