BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I began to receive notifications by email that there was activity on my account that was unusual. I had had Wells Fargo as a bank for over several years at this point, and had trust in the bank to protect and insure my account and funds with fraud protection and security. Suddenly, I noticed large amounts of money being transferred through to XXXX to the names of people I had no relation to or knowledge of. It all added up to about {$6000.00}. I immediately contacted Wells Fargo about my compromised account and the fraudulent charges. Wells Fargo promised to investigate the fraud and they gave me a provisional credit for the amounts I disputed. Over the next few months, I used my account as normal and spent the credited funds while Wells Fargo investigated. A few months later, I got a notification that they had completed their investigation, and they found me liable for these charges, despite my claim of being a victim of identity theft. I honestly had full trust that Wells Fargo would cover the fraud on my account, and was shocked by their resolution. Their solution was to reverse the provisional credit {$6000.00}. These funds were immediately reversed, causing my account to become overdraft and in the negative, and because I had had several transactions in between those dates of receiving the credit, and having the credit reverse, they then charged me several overdraft fees which plunged my account even further into the negative and ultimately caused it to close. Ever since this situation, it has been difficult to recover financially. It caused me to have a hard time to open a new checking account. Ive had to use banking apps like XXXX or XXXX or XXXX. Wells Fargo went against all protections they had agreed to give me, their own T & Cs and policies for fraudulent activity, and ultimately did not fulfill their end of the banking agreement which was supposed to prevent and protect my account and funds.

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 2023-06-06
Company: Experian Information Solutions Inc.
State: MO
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:
am a victim of identity theft please remove this fraud inquiry from my credit repor

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 2023-03-01
Company: MONEY SOURCE, INC., THE
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the pandemic and economical hardship I am going through a divorce and have reached out to XXXX via letter requesting a hardship forbearance back on XX/XX/2022. I received correspondence back from XXXX dated XX/XX/2022 that they were in receipt of my loss mitigation package and that it would take approximately 30 days or less to approve or deny the request. Today is XX/XX/XXXX and every week I receive a call from XXXX requesting pay stubs, this has been going on every week and I have all the email proof of transmittals confirming that they received this info yet they continue to claim that the do not have it. I am hanging by a thread and require immediate help. This can not continue in this path, I reach out and ask for help and no one is willing to assist. I feel that all of this is a stalling tactic to prolong the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$21000.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: PNC Bank N.A.
State: PA
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 filed a dispute in regard to the incorrect items on my credit report it has been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: MA
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, Equifax and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the status of these items, i believe it was reporting in error. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone open a XXXX charge card in my name from XXXX to XXXX and it is showing on my credit report on XXXX XXXX XXXX XXXX. Needs to be immediately from credit report. The account XXXX  on my XXXX credit report is 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 2023-01-23
Company: EQUIFAX, INC.
State: VA
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 checked my credit report and contacted Equifax, XXXX to the unknown XXXX hard inquiries that was on my report, and everything was said to be deleted from my credit file rechecked credit file and XXXX inquiries still remain. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If these companies can not show proof that I applied for credit with my signature with an application to their company this must be removed from my credit. This is violating my rights as a consumer, and I am having hardship with these inquires. on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: TX
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 received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I don't think the credit bureaus are taking it seriously and just giving me the run around without following the laws.

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 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act XXXX  account : XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
Ive contacted and disputed a public records listed on my credit report that does not belong to me. There are also other errors in the credit reporting from trans union. Trans union and XXXX has refused to remove these items has not produced any proof of verification and will not allow me to access my credit report or make any further disputes. I was told in order to have access to my credit report that I had to cancel my dispute. I informed them they are violating the law and they have refused to remedy the situation. I contacted them online and via phone and they have done nothing to rectify the situation with removing derogatory items from my credit report or allowing me access to a copy of my report online or via phone.

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 2023-01-22
Company: Resurgent Capital Services L.P.
State: AL
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:
This company is a debt collector and has put information about me on my consumer report. I have no affiliation with this company nor do I know who this company is. I have not given them any permission to use my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A week before XXXX XXXX XXXX XXXX i went to the Regions Bank in XXXX XXXX XXXX, Fl. I proceeded to deposit money into the ATM and a security guard saw the whole thing happen. The ATM gives me an error and i go inside the branch to get help. They provide me with a phone number and case number to call and speak to customer service. Weeks and months go by of me calling and no representative being able to help me. I call the branch and no one is able to help me. They just tell me to wait. I should be able to trust my banks atm, not fear it swallowing my money into an empty pit for me to never receive again.

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: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. Here is my tracking number. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. According to the law 15 U.S. Code 1681i-Procedure in case of disputed accuracy, if the completeness or accuracy of any item of information is contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 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 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 explanation
Consumer complaint received 2023-01-22
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Received a special offer to open an account, followed QR code opened account, complied with the terms. 

Bank is stating that wrong account was opened, refused to provide rewards. 

Opened Complaint # XXXX with the bank, emailed all supporting documentation : did not receive response within XXXX business days and up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent letters to all three credit bureaus and collection agencies reporting incorrect or invalid personal 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 2023-01-22
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation, providing proof of my current address as instructed on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : Previous / Incorrect Addresses 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 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 XXXX XXXX  XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX # XXXX XXXX XXXX, IN XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. Please refer to the attached documentation for the correct spelling of my name as well. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX ( Not in all capital letters, I am not a corporation, I am a living human ) Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX XXXX  Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: VA
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 had an certain amount of money in my account for a bill to be paid and when I paid the bill payment didn't go thru my money was missing

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 2023-04-28
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:
This is my sixth endeavor to tell you 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 alleged fraud or extortion. 
XXXX XXXX Balance : -, XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXXXXXX Balance : {$1300.00}, XXXX XXXX Balance : -, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on 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 2023-01-22
Company: SANTANDER HOLDINGS USA, 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: Investigation took more than 30 days

Complaint:
SANTANDER BANK XXXX XXXX XXXX XXXX. 
XXXX PA XXXX date opened XXXX XXXX this paid in full and sold to another company. 

SANTANDER BANK HAS COMMITTED Securities Fraud and mortgage fraud and identity fraud. SANTANDER BANK taking Securities out on my name without my content which is identity thief, Securities fraud and mortgage 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 2022-12-03
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$570.00} ), XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$6400.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX  XXXX XXXX ) , XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX XXXX XXXX ) , XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX XXXX XXXX  ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
So I called on the XXXX of XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.

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: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
In 2011 I opened an account with wells Fargo. I also opened a savings account for my son. Some how they were taking my sons money from his savings and using it when my checking was overdrawn. A total of XXXX was taken out of my sons account

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