BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-13
Company: CURO Intermediate Holdings
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Credit Technologies, Inc.
State: CA
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 have seen unauthorized items on my credit report that I did not authorize this is a form of identity theft someone is applying for things in my name can you please resolve this issue. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020 CREDIT TECH XX/XX/2020 XXXX  XX/XX/2020

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 submitted my dispute letters over 30 days the company have failed to respond also the company is in violation of many federal laws. I did not give written consent for these inaccurate items to be placed on my credit report. 15 USC 1681. I have submitted my FTC report and company had failed to acknolegde that fact that this is an violation that shouldn't be taken lightly. This is a violation of section 605b fcra.

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 2021-08-13
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:
I checked my credit and noticed a account and multiple hard inquiries 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 2016-05-04
Company: RFNA, LP
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I cash a loan check that I received in the mail. I lost my job & did not make a payment on the loan. My daughter deposited her federal income tax & state tax check into my account. The finance company from which the check was from won a garnishment on my account & withdrawl the money from my account which was my daughter 's money. What r her rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter in regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not I have not received a response yet. I feel like they trying to take advantage of me and flat out ignoring my disputes. Section 611 ( a ), states plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should have said something and removed them from my credit report promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have gotten into the wrong person hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I am assisting XXXX who had an account with XXXX in 1985 which she had forgotten about. Recently she came across a copy of a statement made several calls to be told that the account was taken over by Wells Fargo or sent to unclaimed funds. I have tried to track this down but am not getting very far. The account name was in XXXX name XXXX for XXXX. The address at that time was XXXX account # was XXXX XXXX XXXX XXXX. The last XXXX of her SS # XXXX. I would greatly appreciate any guidance you can provide as she is a XXXX that could certainly use the extra monies. 
I can be reached at XXXX XXXX. XXXX now resides in XXXX she can be reached at XXXX. My e mail is XXXX. Thanking you in advance. 
Sincerely, 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 2019-10-20
Company: Professional Medical Management, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never received any notification of debt from the collection agency. I found out about the debt when I check my credit report. I disputed the collection with XXXX but it was not removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a formal complaint against XXXX, Experian, and XXXX. I have disputed XXXX  XXXX and XXXX accounts several times but they simply refuse to validate the debt they claim I owe as requested per the FDCPA. I'm even in dispute with them via the XXXX XXXX XXXX. And I've sent every piece of proof that all these credit reporting agenciescould possibly need to correct this erroneous information on my credit report yet they refuse to do so. 


Account Name : XXXX  XXXX Account No. XXXX Balance : {$170.00} - I have disputed this on XX/XX/XXXX, but I still see the date of last payment reporting inconsistently. XXXX  is reporting XX/XX/XXXX, while Experian and XXXX  are reporting XX/XX/XXXX. 


Account Name : XXXX Account No. XXXX Balance : {$0.00} - The high balance is still reporting inconsistently. I have disputed this account on XX/XX/XXXX for the reason that the date of last activity is reporting XX/XX/XXXX in XXXX, and XX/XX/XXXX in Experian.

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 2021-08-13
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Chase online in XXXX because they stated they would accept third party checks. I had two third party checks, amongst the five checks I deposited in person at one of their branches in XXXX. Two of the checks were for ( i ) a defective camper we returned to the RV company-the check is from an RV business and ( ii ) a check from an insurance company-we cancelled the insurance on the camper after we returned it. Chase deposited the checks, said they may need to contact my son-in-law to whom the checks were written and Chase has since verified the funds, but Chase refuses to give me any information or unfreeze the account. I have made multiple calls to the branch, which at one point told me they closed the account ( offered no reason as to why ) and mailed a check to me. When the check did not arrive, I contacted the local branch, which referred me to their corporate headquarters and when I contact their corporate headquarters they pass me off from one person to another. When I called to speak with a corporate officer, they transferred me to a phone line that states I must call back or send my inquiry by email, which then disconnects the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

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 2021-08-13
Company: FinCo Services Inc DBA Current
State: MA
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:
My complaint starts of XX/XX/2021 when I had the amount of {$3700.00} dollars missing from my current baking app I tried reaching out to current they were not able to help other than issuing me a new debit card. I woke up today XX/XX/XXXX with {$510.00} dollars missing from current baking account once again I reached out to current and once again nothing is being revolved. I have a active police report Im waiting for. Im placing this complaint due to I need a full investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-23
Company: WELLS FARGO & COMPANY
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo Bank paid XXXX transactions while my checking account was overdrawn over the course of 4 days : charging {$170.00}, then refused to negotiate any courtesy waivers. I closed the account and later opened another. When I explained my situation, the branch manager was sympathetic and assured me that she would help me avoid a similar experience. Wells Fargo later seized the funds from this account toward fees charged on the other account. Then the bank proceeded to overdraw the account by charging fees the following 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 2016-09-25
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had noticed on my consumer report " XXXX XXXX '' that there was an account reporting on my name at Wells Fargo Bank. I went to my nearest branch and banker there gave the number to their " Identity Theft Department '' I contacted them and filed a report as a police report. I also had to speak with their fraud department and executive office which I interacted with some rude people who blame me for this accounts and completely disrespected me on the phone. 

I got a letter in the mail from their " Identity theft department '' that stated they cleared the matter, then I got another letter that stated they reversed that decision and will continue to hold me responsible for those accounts. 

This is clearly an unacceptable behavior from this bank that thinks they can do anything they want to poople. It is my preference not to resort to taking legal action against this bank and would like to have my name and information deleted from this bank 's systems as I had not authorized them to open my account nor collected my information. I had already suffered great injury from Wells Fargo Bank reporting my information to consumer report.

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 2021-08-13
Company: EQUIFAX, INC.
State: GA
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Several disputes have been sent in regarding my current mortgage history with none of them resolving the issue. There were no late payments in XX/XX/XXXX or XX/XX/XXXX and the agencies still continue to list inaccurate information. I need some assistance I have attached the page of my report reflecting such inaccurate data. After the loan re modification never was a late payment made after this

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Wells Fargo Bank Changed the Routing Numbers without any notication causing my car payment made online to be returnded causing late payment fees

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I went to the Well Fargo banks web site to get information on refinancing my current auto load ( Well Fargo web page attached 3.83 % if a banking customer ). When I went to the bank I told them specifically I wanted to # 1 lower my interest rate on my other car loan ( 4.99 % Note : not with WF ) and # 2 also wanted to put more money down to take out a smaller loan amount ( XXXX more down ). I told them my XXXX score was in the low XXXX 's ( Note : I was within XXXX points of what I told when they checked my score online ), I provided the last 2 years of XXXX 's to prove income of over XXXX. I have no debt other than the car loan and own XXXX houses outright. I stayed there at the Well Fargo bank for 3 hours and at the end of the process they came back with a 6.6 % APR on a loan of XXXX. They told me I needed a XXXX score in the XXXX 's to get the web 's lowest advertised rate. One would think that before they financially damaged me by lowering my credit score ( credit check ) to do the application they would have said I needed an XXXX+ XXXX score to get the false advertised rate that XXXX could n't meet the criteria for. I believe that the ad saying " must have excellent credit '' is totally misleading and should state the XXXX score they are looking for. I feel that it was like a bate and switch scheme to get you to come in so that they can sell you a product that does fit your needs or goals, even when you tell them upfront what you are looking for. Plus they did financial damage by lowering my XXXX score for this waste of time! They could have given me an answer within 30 minutes that my XXXX did n't meet their criteria for a lower rate than what I had. Well Fargo seems to have reboots that just punch numbers into the computer without knowing the product they are selling nor what the underwriting department is looking for in terms of a simple XXXX score. They should have a simply computer worksheet to plug in the numbers to get an estimated quote without checking you credit first or going thru the complete application process. People that come in to refinance are not there to get hidden higher rates as WF tried with myself ; a smaller loan with a high 6.6 % rate I do n't win there yes lower monthly payment due to me taking out a smaller loan but higher interest ; I end up paying more in the long run ( very deceptive practice ) if you are not savvy to catch it.

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 2016-07-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I would like to reopen case # XXXX. 
I feel I have not been treated fairly by Wells Fargo in regards to loan modification request. 
There response did not answer my questions. 
I will attach my original complaint and my reply to Wells Fargo. 
Please refer to the above case # for Wells Fargo response to my original complaint. They sent a lot of information that avoided my main questions. The information they sent only confirms my conclusion that they could have lowered my home interest rate but just chose not to.

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 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
due to being at mercy of negative, deceptive fraudulent charges that were not mine, but preventing from being approved for an apartment, I was forced to pay XXXX XXXX XXXX. 

Account is paid in full and closed, please adjust asap please on all 3 credit bureaus XXXX transunion and 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 2016-11-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
In 2009 I became XXXX and my wife 's company downsized. I had a checking account with WELLS FARGO. When we could not pay our debts, judgements were served against us by the superior court of XXXX County NJ. We were living on my social security XXXX check. on 2 occasions, WELLS FARGO at the request of the XXXX County sheriff, seized my account and took my XXXX funds. A first year law student knows that these funds are not able to be seized by commercial entities. I went to court and the sheriff returned there portion of the funds. WELLS FARGO refused, saying, " it is an administrative fee ''. the absconded with {$120.00} and {$100.00}. Following the latest developments of WELLS FARGO 'S criminal activity, I want my XXXX money returned. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was paid to XXXX XXXX after seeing in collections this bill was handled five years ago and it keeps appearing. The other two CRAs have erased it from my report but it Continues to be reported here. I have also sent them a letter to verify the collection and they have not responded as yet.

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 2017-01-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I went into the branch to order checks for recently new account because my account had been compromised. Someone had taken XXXX illegally from my account. The banker actually opened addition savings account which I was not aware of, he never asked me at all. I received a another bank card in the mail. I already had a savings account Ways To Save, no monthly charge. Now I am being charged {$5.00} monthly fee which is eating up my balance for no reason. I contacted the customer service department and they apologized about it said they would close it but I 'm currently being charged. 
When I first opened my Wells Fargo account 12yrs ago, I received XXXX new accounts. The banker opened a second account in my name. I took the information to the bank they closed the account and gave me free checks. Wells Fargo scammed me during the time I had already been scammed. I want my money back from charges from accounts the illegally opened in my name.

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 2017-02-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo employee refused to let me speak to their branch manager and give me their branch number.

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