BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX i was called from a Wells Fargo identified number on my phone and was told that the male was from the Wells Fargo Fruad detection, and I had a Suspious wire on my account, I told them that XXXX didnt wire anyone anything, and they give me a name that is I did not recongize. They then said that it was attemped and they need to shut down my online banking to prevent it from continuing and for them ot investigate. They sent me a verification code trhough the Wells Fargo SMS number ( 5 Digits ) that Wells Fargo uses to send me information regularly. So with all the seemingly legitimate verifications i provided the caller with the required info. They said my online banking access was suspended. they where to call back the next day with investgation information. They did again from the same numbers as before. they told me that my access to onine banking was reatored and I needed to log back in and change passwords. when i logged in i found that it was not changed or blocked. I then became worried and called Wells Fargo Fruad Dept and found out that noone had called, after explaing to situation they told me to go a brach to be ID verified which I did as soon as possible. The Branch called fruad back and verified me and the told me that there was a second wire being prossed. I told them the that was not authorized and they sai they could stop that one as it had not left the bank yet. But the XXXX one that was sent the day before was gone and they would open a investigation into it. We cleaned Phones changed acounts as requested by the Banker. On XXXX recived the attached letter stating that there investigation was completed. I called the WF Bank and was told the the money was wired to a account at XXXX Bank and when they checked to account was empty. So I would not be getting any funds back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I approved Bank of America application number XXXX, under transaction I.D . # XXXX, on the XXXX of XXXX, XXXX, upon me, applying my assigned allotted Social Security Number account, that registers a future commodity collateral security promissory note, interest bearing debit and its face value credit, but Bank of America is committing consumer fraud, by using my assigned Social Security Number account, for identity verification purposes, therefore attempting to establish the authenticity of any 100 % insured purchasing powers granted through my assigned Social Security Number account, as a gift to Bank of America, in lieu a benefit to me. 

Consumer Fraud is a deliberate misrepresentation on which a banking business intends for natural persons to a consumer account to rely. Consumer fraud is a form of misrepresentation committed by beneficiary seller banks or financial institutions against a buyer or a group of buyers that are natural person investment companies, to whom a banking business deliberately misrepresented any Social Security Number card thing with the intent that a natural person to a consumer account will rely on the misrepresentation that a SSN is used for identity verification purposes, resulting in harm or loss to par value, at least to some natural person consumer who believes so. 

Pursuant to Executive Order 9397 of FRANKLIN D ROOSEVELT, November 22, 1943, the Social Security Act assigned unduplicated account numbers to each individual blind trust or legal person formed by a state file number, and only allows the collection of SSNs to be used as consumer account numbers and does not authorize the collection of SSNs for identity verification purposes, which causes consumer fraud by a deceptive practice.

Therefore I am reporting this to the Federal Trade Commissions, Bureau of Consumer Protection that stops unfair, deceptive acts practiced, by lenders misrepresenting a Social Security Number account, for identity verification purposes, which is consumer fraud practiced by deceptive acts of banks.

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 2023-02-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected. I'm looking forward that you will resolve this issue as soon as possible. 
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

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 2023-02-09
Company: OPTUM BANK, INC.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have HSA account with https : //www.optumbank.com but there is zero interest rate that they pay on the money which is parked there. why is this? On the other hand they charge maintenance fees.

I want to invest this money in US treasury bonds via treasury direct so I can at least get some return or at least maintain the value of that money. Because inflation is also eating away this money. But there is no such option through the bank website or mechanism to do that. This issue is with all the HSA a
ccount managing banks who likely give kickbacks to employers so you can not even choose your own HSA bank.

This is total rip off of all the workers depositing in HSA accounts being pushed by IRS for tax saving purpose but yet there is no enforcement of ways to invest that money at consumer 's terms. 
Consumers of these HSA schemes is loosing money both in inflation and fees. 
You need to work on getting some protection for these consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-21
Company: Lendmark Financial Services
State: AZ
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 did not authorize the local branch to do an hard inquiry on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX SYSTEM ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}.

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 2023-02-21
Company: Blockchain.com, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Blockchain.com stole my money On XX/XX/XXXX I received the equivalent today of {$200.00} in a blockchain account, sometime in XXXX there was an upgrade to Blockchain software that did not allow me to log in through my phone app. I opened another account and tried to move then funds to the new account and was not posible. One account under my email XXXX every time I go to the account I can see the balance but the account freezes and doesn't allow me to send, move exchange or whatever with the funds. I have written multiple correspondence but Blockchain.com has never attempted to fix the bug or correct the problem offering me vague answers about private wallets etc etc, without ever considering that I can not navigate in that account because it is not working properly. 
On the second account that is under another email I have XXXX I was able to make some transfers but the last transfer done in XX/XX/XXXX it is stuck in " sending '' for already two weeks. again their answers are vague and never addressing how I can recoup the money or finalize the transfer. I have provided multiple screen shots and explanations and none off the two problems have been resolved. I get automated answers not answering my problem and my money is practically lost or stolen by Blockchain.com I have been willing to give them my passwords or phrases or anything they want just to recoup the money as I don't care about privacy after I recoup my money as I will transfer the funds to a reliable account in another place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Security Credit Services, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently checked my credit report and found a collection on my credit which was deleted by the law office of XXXX XXXX XXXX. I received correspondence from the collection company once and was told the debt is mine and I was responsible for paying it. I have two fraud alerts which were established with the credit bureaus in XXXX and XXXX however the same company continues to shop this debt to a collector attempting to collect on it. This fraudulent transaction was in XXXX and I have included a screen shot where I previously filed a complaint with the CFPB concerning this attempt to collect on this fraudulent debt which is reporting on XXXX XXXX, XXXX, XXXX. 

This account has since been sold to Security Credit Services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Rent Recovery Solutions
State: TX
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:
Rent recovery solutions XX/XX/23 has reached out to the current community where I reside and told them I owe this debt to this community. Saying that they should have never rented to me. Due to this debt. 

I have never lived at this community that they are speaking about. 

This has been removed from my credit report and has been replaced back on my XXXX report. 

I can never get anyone on the phone when I call. They will answer and hang up when I am able to get through to someone. 
I need this to be permanently removed from my credit report. 


Please assist me with getting this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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: Information belongs to someone else

Complaint:
There is a debt collection company named XXXX XXXX that is reporting a debt that they have not validated to me to prove the account is mines. They sent me a list of charges with no contractual signature or a way for me to know the account belongs to me other than an old name and old address from years ago along with charges. This account does not prove to be mine. I want to know how is this false information being verified.

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 2023-02-21
Company: EQUIFAX, INC.
State: KY
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 5th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX  Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had overdraft fees and all types of stuff charged to my account over the time period that I had a Wells Fargo account and it ended up getting closed because of that. I dont have access to the information anymore but this was in XXXX, i cant remember the exact dates or amounts but if someone could get access to my account then they would be able to see this.

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 2023-02-03
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I filed a dispute against XXXX XXXX with all XXXX of the credit bureaus for reporting inaccurate/ unverifiable information on my credit report certified mail. XXXX XXXX reported XXXX inaccurate/ unverifiable debts on my credit report trying to claim the same debt. The XXXX XXXX XXXX Partial Acct # XXXX .... stated the Status ( XX/XX/XXXX ) Paid, Closed with payment history for only the months/ year of XX/XX/XXXX-OK, XX/XX/XXXX-OK, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX and then reports no other data for any of the other months or years. The XXXX XXXX XXXX Partial Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX. I asked the Credit to delete be information was inaccurate/ unverifiable information. The First Regional Acceptance Partial Acct # XXXX .... stated the Status ( XX/XX/XXXX ) Paid, Closed with payment history for only the months/ year of XX/XX/XXXX-OK, XX/XX/XXXX-OK, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX came back with the remarks that this item remains unchanged from our processing of your dispute in XX/XX/XXXX. This Account continues to report inaccurate/ unverifiable information with missing data on my credit report and needs to be REMOVED and DELETED PERMANTLY. The XXXX XXXX XXXX Partial Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX Came back Verified and they updated the status of my account to : The XXXX XXXX XXXX Partial Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX. I have never had a contract with XXXX XXXX nor have I ever made any kind of consideration to pay XXXX XXXX. So, it is illegal for them to keep updating this account as past due. I also received a form XXXX-C Cancellation of debt from XXXX XXXX stating that {$7200.00} had been discharged but XXXX XXXX continues to report to the XXXX credit bureaus that I am still past due {$9700.00}. after it reported a XXXX-C to the IRS for the { {$9700.00} } as income. Income is no longer debt as taxes are paid on income. I have tried to reach out to XXXX XXXX to resolve the matter but got the run around and hung up on several times. In accordance with the Fair Credit Reporting Act, everything has to be % XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these R accounts listed below are in violation of not reporting % XXXX accurate and need to be DELTED and PERMANTLY REMOVED from my credit report : XXXX XXXX Partial Acct # XXXX ... 

XXXX XXXX Partial Acct # XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX sold a ton of mortgages to Mr Cooper in XXXX, mine included. We were all told that it would be a seamless transitio. It has been anything but. I have heard numerous complaints about working with Mr Cooper from former XXXX members. For me, it started when Mr Cooper kept sending me notices that I did not have hazard insurance and that they would be purchasing hazard insurance on my behalf at a cost to me. I tried to contact them but the correspondence did not have a number where you could talk to a real person. Finally a lady in mortgage gave me a number for a real human. 
After multiple phone calls... they put you on infinite hold i presume to get you to just hang up ... to resolve without success I finally got Mr Cooper and XXXX Insurance on the phone together. During that call both sides agreed that I did have the appropriate coverage. The notices from Mr Cooper threatening to buy hazard insurance at my expense continued. Then, for some unknown reason, Mr Cooper just stopped paying my homeowners insurance and I received notice from XXXX Insurance that they would be billing me direct. I called Mr Cooper a couple times who advised they would expedite the payment to XXXX but it took over a week to get to XXXX. Then, at the end of XXXX Mr Cooper sent me a refund check for around {$2800.00} advising I had an overage with my escrow account. I knew that I had not. Now I have received a notice that my escrow is running short approximately {$2800.00} ... imagine that ... and they will be increasing my monthly mortgage payment over {$400.00}. What does it take for the Govt to step in and get these folks on track? Read online and you will see negative review after negative review. This is not a one off problem. As a Veteran I feel let down by XXXX Mortgage and just at a loss in dealing with the incompetence of Mr Cooper. Impress me... somebody step in and fix this fly by night operation. I see a class action lawsuit brewing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Exeter Finance Corp.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I recently checked my credit score for the first time. I noticed there was an auto loan that didnt belong to me. It said I signed for a loan for someone else but I never did that
.

Exeter Finance LLC OPENED XXXX

Company response to consumer: Closed with explanation