BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
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:
I would like to place a formal complaint against TransUnion for violating my FCRA rights and my privacy. They have placed XXXX public records on my consumer report that should not be there : Public Record - XXXX XXXX XXXX XXXX Reference # XXXX Public Record - XXXX XXXX XXXX XXXX - Reference # XXXX I reached out to the courts who verified that they do not report XXXX to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Transunion is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately.

The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Failure to Comply or delete these items is a clear violation : Public Record - XXXX XXXX XXXX - Reference # XXXX Public Record - XXXX XXXX XXXX XXXX  - Reference # XXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my TransUnion credit report. It is unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.

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 2016-01-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a follow up to our complaint # XXXX. We contacted Wells Fargo and have now reached a dead end. Wells Fargo has given us an ultimatum of either we sign false documents or lose our home. Recently we spoke to a representative from Wells Fargo who was belligerent and heaped lies after lies. We requested not having to deal with her again. Our request was granted but today speaking to someone by the last name of XXXX he reversed what we requested. If we do not sign the documents that contain false information the Bank will return the funds the Federal Government helped us with through XXXX and then will foreclose on us. This is nothing short of blackmail. Either we sign false documents or lose our home. There was a representative we had spoken to who was belligerent and heaping more lies upon lies. On the person we requested not to have to deal with whose name is XXXX. XXXX XXXX has assured us that he will report to all the agencies we have complained to, that we have refused to communicate with Wells Fargo. I am reporting that this is a lie, it is only XXXX person at Wells Fargo we do not want to deal with. Beware of this lie that Wells Fargo is planning to tell you. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a victim of the Wells Fargo modification review. On XXXX/XXXX/15 I was told by Wells Fargo the modification was received and they needed updated pay stubs. I sent that and the tax returns on XXXX/XXXX/15. On XX/XX/XXXX I was told the file was declined and a sale date was placed on XXXX/XXXX/15. Now WF is saying they have never received a modification for review? How do you decline something you never received? ( House of lies ) I realizes I DO NOT QUAILY FOR HAMP. I have stated this 10 times to WF. I wanted to be reviewed for an INVESTOR MODIFICATION. WF never sent the modification paper work to the investor for review. Instead they have lied about the entire review process. I have just battled XXXX, and now have to file for bankruptcy. This could if been avoided if WF was honest and at least sent the file to the investor for review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: WESTERN UNION COMPANY, THE
State: HI
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I have been using Western Union for many years to send money to my daughter and her mother XXXX. As of late the service is horrible, insulting and untruthful. I tried to send to yesterday and they said they had to put it on hold for at least 2 hrs due to her side. They give us the tracking number, take the money and then come back by at least 2hrs later saying they ca n't send the money due to her side. So now they have my money on hold for at the most 3-5 business days. Eventually it gets refunded but it just seems like a scam to somehow hold my money for an extent of time and then return it. It has happened several times the last few days and when I call to ask why they wont tell me. XXXX its her acct and not mine. Western Union just seems very fishy as of late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian provided me a report # XXXX that Said XXXX XXXX told them that the item on my credit report meets the requirement of the Fair Credit Act XXXX XXXX has a permanent FTC & CFPB order against it See page XXXX paragraph XXXX also green tree did not accept a certified letter return receipt requested nor write back I sent Experian a copy of the consent order, certified return receipt requested and they signed for it on XXXX XXXX all files are attached if the FTC CFPB consent order attached means any thing Sanction Experian for thumbing their noses at you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Well Fargo bank has fraudulently closed my checking and saving accounts 2 years ago and keep denying me opening a new one. They are completely not truthful in their business practices especially with " lower class '' people who make less money then what they want to see their clients do. I have already contacted them through Consumer Financial before. However, now I have new facts and outcomes that I am looking for to achieve. I will not stop until I get the outcome as I stand for myself and equally affected good American Citizens that make less money than a bank would like to see. 

First and foremost, what you explain in your letter is absolutely wrong. i have to admit that XX/XX/XXXX I have tried to make an ATM deposit of {$2500.00} with the check drawn on why business account at other bank. However, the funds were not present in that business account right that same second, they were electronically deposited into my business account the next business day to cover my check deposit with you. I have never done anything wrong, you may say I have if the check for {$2500.00} was accepted for the deposit and was not paid, but in my case, the check was never even accepted for the deposit! Your response is totally made up and is not based on real facts. You say that you contacted XXXX XXXX XXXX to see if the check will be paid. My question is why did not you ask XXXX XXXX XXXX at that time what is my business 's usually and average monthly transaction amounts to. I can assure you that I had {$70000.00} + in transactions each month. 
At this time, given all the fraudulent activity that is presently going on at your bank that is involved your CEO and is all public, I decided to change my request for the outcome. At this time, I am no longer looking to open an account with you bank and I simply do n't trust business practices conducted at your institution as I am sure millions of other Americans will agree. I am asking for monetary compensation for your fraudulent actions that lead to me losing time and and having all the frustration especially when you opened an account with for me XX/XX/XXXX and did accept my deposit and benefited from it for the few days that it was sitting at your bank, also I have lost considerable amount of business because I had switched all my direct payments and deposits to you at that time. 
At this time as my calculations stand, I am asking for a reimbursement of {$8500.00} that include treble damages. 
I expect to hear from you within 10 business days with the positive outcome. Please note, that I am ready and willing to hire a legal help to bring your bank to justice on behalf of myself and similar affected people and organizations as per advise of my attorney. 

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 2016-08-31
Company: WELLS FARGO & COMPANY
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Seeking assistance from Wells Fargo dealer services to defer my late payment/outstanding balance to the end of the loan to help bring my account to current status. When I call for assistance they are extremely rude and unhelpful, I also sent an email last week and have not heard back. They continue to call our friends and family and our cell phones constantly harassing us with no alternatives. Please ask them to review request to defer loan and to please stop calling our friends and family for both myself and my wife 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 2020-06-20
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: DC
Product: Mortgage
Sub-product: Other type of mortgage
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 had enrolled in autopay twice with this company, unfortunately it did not go through. When I was aware of the problem I fixed the problem. The company however has not. I have been told that the reporting are to old and can not be removed. This is stopping me from moving forward with a refinance of my property. The amount is {$15.00} per month.

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 2016-07-08
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed a loan from CashnetUSA.net for {$800.00}. They have added an amount of fees that will total {$2300.00}, more than {$1500.00} past the XXXX owned. They have scheduled payments twice a month at XXXX for XXXX payments. This is outrageous!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions 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:
Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. Who verified the accounts? How did they verify? You still have not provided me with the name of the individual, business address and telephone number of the person or business contacted during your re-investigation. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my name on it ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. 

* Dept of EdXXXX XXXXXXXX - XX/XX/XXXX * Dept of EdXXXX  XXXX - XX/XX/XXXX * Dept of EdXXXX XXXX - XX/XX/XXXX * Dept of EdXXXX XXXX - XX/XX/XXXX * Dept of EdXXXX XXXX - XX/XX/XXXX * Dept of EdXXXX XXXX - XX/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 explanation
Consumer complaint received 2016-11-29
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Experian keeps putting unwarranted and unauthorized Extended Fraud Alerts on my credit file because I keep challenging their reporting of inaccurate items. They are doing this to simply discourage me or make me angry. They have done this now twice within the last month after I told them to stop. They are in violation of the FCRA by not addressing my concerns on my credit file. Instead they want to put fraud alerts on my file to get out of removing items. Not once have I asked them to do this. Not once have I disputed an item rather I have asked them to provide verification based on Section 609 of the FCRA for items that I believe to be inaccurate and they refuse to do so. I am requesting that they remove the Fraud Alert and Stop putting them on my file unless I notify them by writing to do so. These guys need to be fined as they are not obeying the law.

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 2016-05-11
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
A account I had with you company Account No. XXXX was closed on XXXX/XXXX/2014. Based on a malfunction of your machine that resulted in a loss of funds deposited. Because the only means that said account funds could be verified were by human count customer would be responsible for any shortcomings is misplaced. Nothing has been provided in regard to the existence of any account much less any mens rea towards impropriety. See Attached. As such this item should be removed from all reporting agencies immediately.

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 2015-12-09
Company: National Enterprise Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft committed by XXXX XXXX XXXX, who used my social security number to obtain credit and employment. I submitted a police report and this criminal was subsequently arrested. However, I continue to receive nonstop phone calls from debt collectors for her debt. The most recent offender is National Enterprise Systems, which calls me numerous times per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: U.S. BANCORP
State: WA
Product: Prepaid card
Sub-product: General purpose card
Issue: Advertising, marketing or disclosures

Complaint:
I have a XXXX XXXX Prepaid card from US Bank ending in XXXX. 

I am supposed to earn XXXX point for every dollar spent on that card. Till date I have not received these points. when I log onto the site it always says that reward points are unavailable.

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 2022-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking account was opened using my ssn with Bank of America on XX/XX/22. I am not a current customer of Bank of America. I started a claim with them today, XX/XX/22. 
I discovered this because a series of emails came to my personal email account, first starting with the confirm your email address email. I believe the fraudster accessed my email to do the email confirmation so they could receive a one time passcode. After this they submitted their request to open a checking account which I saw the email indicating this. Next, another email came in confirming the checking account was opened. After this the fraudster then opened an online/mobile banking account with Bank of America which I received an email confirmation for. Then, the fraudster updated their email with Bank of America bc I received another email stating this. I reset my personal email password after I saw these emails. The next day, XX/XX/22, I received another email from Bank of America asking me to confirm my email address again, Im guessing maybe they were trying to open another account. No further suspicious emails came in after XX/XX/22. I have since put a fraud alert with all 3 credit bureaus, put a freeze on and set a security alert with XXXX. The type of checking account with Bank of America was a XXXX XXXX bank account that Bank of America is running a promotion for where you can receive {$100.00} if you open one. I believe this is the driver for fraudulent account openings.

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 2015-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I currently have a complaint filed with your office regarding Capitol One and XXXX XXXX XXXX. Complaint # XXXX. I have found additional information but unsure how to submit it other then this way. Between Capitol One and XXXX XXXX XXXX they are misrepresenting who owns it. I have proof this debt has passed thru XXXX different offices for collections. Is this not protection under the fed. debt coll. act? also not producing the media files as to the debt crossing offices? In a response letter from Capitol One they intentionally left out the other XXXX offices that attempted to collect. They stated they forwarded it straight to XXXX XXXX XXXX. I will attach a copy of each of the debt collector office 's for proof. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have paid my Wells Fargo mortgage loan on time ( actually I am one payment ahead ) for over 10 years but all of these payments are not showing up on my credit report. The account was reaffirmed, however, there has been no payment history reported since XX/XX/2010. I am in the process of applying for another mortgage and need to have this history updated on my credit report immediately so that it can be factored into my overall credit rating.

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