BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-21
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was a previous customer of Wachovia Bank ( now Wells Fargo ), XXXX, SC in XXXX. During this time frame I had a checking account with debit card associated with my account. My account was forcefully closed due to unauthorized debit purchases that result in an - {$750.00} in my account. I went to my local Branch during this time frame ( off of XXXX XXXX XXXX ) and spoke to the branch manager ( XXXX ) about my account. During this conversation, I was never given an option to file a claim, I was not show the transactions that were posted to my account that resulted in the overdraft, and the branch manager ( XXXX ) stated that there was no remedies for stolen card. 

I have been denied a new checking account since this incident since it was posted on my credit. I have now recently opened a new account and have been educated on the neglect that Wells Fargo did with my account, their neglect to inform me about my options, and their neglect to allow fraud transactions build on my account AND charge me overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I've contacted the following accounts below & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on the accounts. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I've contacted the following accounts below & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on the accounts. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Threated to take legal action again after the case is closed. 
I was sued by Midland Funding company on XXXX/XXXX/XXXX and went to court and talked to their lawyer XXXX XXXX, and XXXX XXXX and agreed to pay {$150.00} per month until the debt is satisfied. I made my monthly payments for 3 months in a row and then I received a letter in the mail asking to call. I called and spoke to XXXX XXXX and he told me that {$150.00} is not longer the agreed amount and now they want {$300.00}. I told him I can not afford to pay {$300.00} a month. He than said that they would garnish my wages up to {$400.00}. He refused to work with me and kept telling me there was nothing I could do about this because it is all legal. XXXX. I have XXXX and was XXXX without work. This is why I got behind on my bills. XXXX said that getting a lawyer for myself would do nothing. He told me that I can do nothing about any of this. I either pay {$300.00} or they garnish my wages for around {$400.00} I also called Midland to get the date of the original debt and they told me I would need a letter stating that I am not represented by an attorney. The original debt was XX/XX/XXXX and Midland received the debt in XX/XX/XXXX. Why are they telling me I can not get an attorney and have not right to dispute anything that they want to do to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: N.A.R., Inc.
State: UT
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:
NAR INC Never once contacted me. I have no idea or proof of such alleged debt. My XXXX XXXX XXXX have been relised to the Credit bure without my concent. They put a collection on my credit of XXXX on one reprt and XXXX on another with it beeing an open account like im missing payments monthly. This alleged debt is not mine to my knowlege and yet somehow without informing me of the alleged debt they are able to put it on my credit report and release my medical records without a signed hipa aggreament. 
Please help me get this off my credit report imediatly. 
I am looking at option to sue this company for reporting faulse debt on my credit report. This is my last attempt for someone to force them to be accountable and to not allow them to destroy my credit over some allegged bill I know nothing about other than what is shows on my credit report. 

Account info Account name NORTH AMERICAN RECOVERY Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX This alleged account just appeared on my report I do not know of this sceem they are trying to pull. 

XXXX XXXX account. {$5.00}, 792 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$5700.00} Balance updated XX/XX/XXXX Recent payment $ 200 Monthly payment {$0.00} Original balance {$5600.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: NV
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 Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 2016-11-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2016 I made a deposit of {$900.00} via ATM. My account was overdrawn for the first time. I have deposited many checks from the same issuer in the past and have never had a hold placed on one until now. I called Wells Fargo and they advised me they could not remove the hold because the funds were not verifiable. I explained to them I have deposited many of these checks in the past and this is the first time they have placed a hold on one. They told me to call the issuer and verify funds are there. I did just that. I called XXXX and sent email ( see attached ) and funds are present to cash the check. I called Wells Fargo back and they said they still ca n't remove the hold from the account. I told them I felt as if they are doing this now because I have a negative balance and they just want to collect more fees from me. I have been with Wells for 20 years and have never had this issue. I sent email to XXXX and advised them the bank was saying the funds are still not verifiable. I then went into a branch office. The supervisor there told me she called XXXX and they banker would not verify funds available. She told me she would waive XXXX in fees. I then asked why they are placing a hold of nine days or more on this one check. She repeated that they could not verifiy funds. I advised the accounting folks at XXXX and again they are advising me the check shows as cashed on their end and cleared the account. Whom am I to believe at this point? The company who stands to gain from my misfortune in overdraft fees or the company who issued the check? I am still getting fees from Wells Fargo and plan to close all six accounts with them. I need to know why they can hold my money after the issuer confirms it has cleared their account? They are only doing this as policy to collect additional charges. A customer service specialist I spoke to stopped just short of agreeing they are doing this to just collect more in fees. See emails and copy of check attached.

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 2015-06-15
Company: WELLS FARGO & COMPANY
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
wells Fargo has denied my application for a cheaper payment, citing my cosigners income as the reason. My cosigner is actually in dire straits himself and is in the process of filing chapter XXXX. I ca n't keep making the payments they want ( 35 % of monthly income ), I do n't have the money to pay what 's past due, I ca n't adjust the payment amount and I ca n't ask my cosigne for money. I have no options and it terrifies me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: IL
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 XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2022-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
For 12 years I have been trying to get assistants with fraud. XXXX XXXX XXXX stole my identity now call my bank everyday trying to close my account, get a Credit Card and ATM card. Bank of America has failed to even notify, I have asked for his phone numbers to be searched so I can file charges against them. XXXX XXXX also calls my bank posing as me trying to close my account, get a credit card and ATM saying I lost my ATM card. 
XXXX XXXX is a man XXXX XXXX XXXX they live at XXXX XXXX XXXX XXXX in XXXX CA. XXXX. At first Bank of America said they would send me the information in 5-7 business days. Then the phone rep said they dont provide any information like fraud notification anymore or assist customers with information to help them.. That makes no sense. So, If I would have called one day prior Bank of America would have helped me? XXXX 's number is XXXX it is so simple do try to help a long time customer by looking up a profile and reading the notes of fraud as these people call daily. XXXX has several numbers XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. 
Can you please assist me in getting this fraud so i can try to get my life back? Please!!

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 2016-12-14
Company: WELLS FARGO & COMPANY
State: WY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1. On XX/XX/XXXX I got a letter from Wells Fargo Home Mortgage requiring me to submit proof of flood insurance on a home I own and on which they hold a mortgage. 
2. The mortgage has been in effect since XX/XX/XXXX and I have never required flood insurance. This is probably because the home is in the middle of the XXXX XXXX and about a XXXX miles from any water bodies. 
3. On or about XX/XX/XXXX, I called WFHM to inquire about this. They admitted it was a mistake. They said they would send a letter confirming that flood insurance was not required on the property. No letter came. 
4. On or about XX/XX/2016 I called WFHM to ask about the letter. They assured me one would go out. WFHM has no identification of its phone agents, they will not send an email, and the only identification I got was from some phone attendant named XXXX. Again no letter came. 
5. The letter is important because : a ) Wells Fargo Home Mortgage refinanced this home in approximately XX/XX/XXXX, promising a rate of 3.75 %. When the documents came for signing, the rate was 4 %. It took a complaint with the CFPB and the Wyoming Attorney General to resolve the issue in my favor, since WFHM was unresponsive. 
b ) This is the same company that took it upon itself to take out an insurance policy on the home, charging me {$3000.00}, when I already had insurance in place. It took a WF Bank employee 2 months to reverse the charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: Credit Bureau Central Inc (MS)
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: Report provided to employer without your written authorization

Complaint:
In accordance with fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy. 
15 USC 1681 section 604A section : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : a Creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Original creditor : XXXX  Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} Closed 10 charge-offs XXXX XXXX XXXX {$9000.00} Closed XXXX charge-off XXXX XXXX Original creditor : XXXX {$770.00} Balance updated XX/XX/XXXX XXXX   XXXX XXXX ORIGINAL CREDITOR XXXX XXXX   {$350.00} BALANCE UPDATED XX/XX/XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX  {$350.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY 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 2016-10-11
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Case number : XXXX. 
I have already submitted a complaint, and received a response. Citi Mortgage 's response is that my loan is currently under another mortgage company, and I should contact them. There is no statute of limitations on this issue, and they are the only responsible party. Of course they know this, but they just simply pass the issue on to somebody else ; just like they do everything else Since there is no other way to contact CFPB on this issue, I am forced to submit another complaint. So I am doing just that.

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 2022-05-25
Company: LDF Holdings, LLC
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: Public record information inaccurate

Complaint:
I requested debt validation with this company via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. My letter was very clear and concise. I asked for the company to provide me with true debt validation IN WRITING : My letter also states : " Until proper validation is provided, you are to cease all collection efforts. '' I also requested in my letter that no telephone contact be made by the company, and that any correspondence with me MUST be done in writing via USPS. 

The company has ignored my requests, and has repeatedly attempted to contact me via telephone. I have also received XXXX emails from different email addresses that seem to be referencing this alleged account. 

I have received nothing from this company in writing. 

The first email was sent on XX/XX/2022. In that email, it states that multiple phone call attempts to collect this alleged debt have not been successful. This email is threatening in nature. This email goes on to say that my alleged balance can continue to accrue interest and fees which will raise the alleged balance. This email does not give an alleged amount owed. 

The second email was sent on XX/XX/2022, and this email only suggested that I start a dialog with this company online to settle an alleged past due balance. Again, no amount owed was included in the email. 

The last email I received was on XX/XX/2022. This email stated the company was reaching out to me to invite me to their new online platform that would allow me to settle my alleged account, set up a payment plan for the alleged account, or pay off in full the alleged amount owed, which is still unknown as it is not included in this email. There is a link that says " Click here to Make an Offer. '' The company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. The company continues to harass me via telephone and email every week, and the company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting. 


.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
15 U.S.C 1681e ( b ) Accuracy of report.

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Accounts should be reporting 100 % accurate information across all XXXX 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 non-monetary relief