BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Around XX/XX/2022 answered an employment ad via indee.com. An individual sent me a check thru a legit company but ended up being fraudulent. Being careful, I had only {$26.00} in my checkingg acct to protect myself if check was in fact fraud. Wells Fargo allowed and fronted {$3400.00} to this individual without my knowledge then relaying blame to me, its client, with prejudice. Wells Fargo instigates, advocates and promotes this fraud system which happens to be XXXX without consequences because seven banks including Wells Fargo owns this service. I had my local police get a signed warrant from a judge to get information from Wells Fargo and to this date, Wells Fargo is in noncompliance of satisfying the judges order. They have ignored the warrant because their belief is no government consumer agency can touch them. I still get updates from the XXXX but advises still no additional information from Wells Fargo. Wells Fargo has indicated they are going to put my account in collection for the {$3400.00}. I am only XXXX XXXX XXXX and feel my XXXX dollar bank should have protected me

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 2022-07-28
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
I have been a consumer client of American Express since XX/XX/2021. All of my payments have been paid on time on or before the due date. 

American Express is violating my consumer rights by reporting inaccurate data on my XXXX and XXXX consumer reports. 

I have repeatedly disputed the late payments with my verified method of payment bank statement which proves that I made two payments to American Express in the month of XXXX satisfying XXXX 's payment and XXXX 's payment. However only on XXXX and XXXX American Express if reporting my late for those two months. 

I have sent over the statements to American Express as well as to the CRA 's and nothing has been updated accordingly and so I am reporting this deceptive and abusive debt collection act to the CFPB in hopes of having the CRA 's and American Express fined for damaging my credibility and causing my severe duress and loss of extension of credit. 

I have attached the XXXX XXXXXXXX XXXX  statements to this complaint. Thank you and have a good day!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: TX
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:
act XXXX  Account # XXXX ( XXXX XXXXXXXX ), Account # XXXX ( XXXX XXXX XXXX ) also Account # XXXX ( XXXX  ). Miss put information on multiple areas.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
act XXXX  Account # XXXX ( XXXX  XXXX ), Account # XXXX ( XXXX XXXX XXXX ) also Account # XXXX ( XXXX ). Miss put information on multiple areas.

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

15 U.S.C 1681 section 604A Section 2 : 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 2022-06-07
Company: TRUIST FINANCIAL CORPORATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I got a text from Truist Fraud asking if I tried to use my card for {$400.00} at a XXXX in XXXX Fl. I texted back no then looked at my account online. There were three charges from XXXX on there. {$260.00} at XXXX {$50.00} at XXXX and {$48.00} at XXXX. I locked my card then called Truist to report the fraud. They changed my card number and said they would investigate. A few days later I got a letter saying my dispute was denied because they were chip card purchases. It had to be my card their chip cards are " unduplicateable ''. I live in XXXXXXXX XXXX, WV. I have copies of the receipts where I used my card twice that day around my house at XXXX and XXXX. XXXX is XXXX hours away. My card could not be in both places. I also got a Truist fraud message about someone trying to move {$1000.00} from my account with a XXXX account. And just last week I got another fraud alert from Truist even though I never used that new card. I switched banks after XX/XX/XXXX. It's obvious my account has been compromised not just the debit card, but they would not look into it any further.

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 2023-02-20
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:
There are a few accounts on my credit report that I do not know about

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 2022-04-25
Company: EQUIFAX, 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:
Dear credit bureau I am exercising my rights under the Fair credit reporting acts, section 609, to request information regarding an item that is listed on my consumer credit report Account name : XXXX XXXX XXXX  Account number : XXXX  Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account number XXXX As per section 609 I am entitled the source of information which is the original contact that contains my signature. I have included copies of my license and social security card If information can't be verified I would like to remove information in 30 days thank you XXXX XXXX XX/XX/98

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received an email saying my phone number changed on a US Bank account, which I dont even have. Then the next day ( XX/XX/22 ) got an email from XXXX saying I had a new hard inquiry. I called US Bank and they said a XXXX XXXX credit card was opened but that they were closing it down. I called all three credit agencies and placed fraud alert on accounts.

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 2022-12-01
Company: Veripro Solutions Inc.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My Complaint is against Veripo Solutions, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and maybe XXXX XXXX XXXXXXXX XXXX and XXXX if they had anything to do with this fraudulent claim. On XX/XX/2022, I was advised by XXXX XXXX XXXX. XXXX that their records reflect that XXXX was the master servicer of the loan. The loan was transferred to XXXX XXXX XXXX XXXX XXXX XXXX ) however, due to the delinquent status of this account, the account was referred to Veripo Solution XXXX XXXX XXXX for handling. XXXX XXXX stated in her letter that they do not service the loan and no longer have a record of the account ; however, in efforts to assist me they reached out to Veripo Solutions. XXXX XXXX from XXXX XXXX stated that Veripo Solution informed her that the increase in the amount owed is due to no payments being made for several years. Veripo Solution is a debt collector not a residential mortgage lender in the state of New Jersey. Since Veripo Solution is a debt collector they do not have authority to hold, transfer/sell a mortgage note. Veripo Solution nor XXXX, XXXX can collect interest rate on a mortgage loan since they are not residential mortgage lenders in the state of New Jersey. XXXX, XXXX 's Complaint stated that XXXX, XXXX was in physical possession of the Note of Mortgage which was allegedly in default for over XXXX ( XXXX ) years. After I filed a Motion to Dismiss counsel for XXXX, XXXX stated that they did not realize that they were not in possession of the physical Note they allegedly bought from XXXX XXXX. However, XXXX XXXX XXXX as servicer does not have custodial responsibility, they did not have any authority per the trust instrument to sell, liquidate, and/or convert the NOTE for its own personal gain. The documents submitted to the Court on behalf of XXXX, XXXX have never been verified. I am sure that the documents have been altered and are fraudulent. This company is seeking a payment in the amount of {$120000.00} from a Note which was initially in the amount of {$59000.00}. Counsel for XXXX, XXXX has never provided any original copies or any " true copies '' of the documents they state in their alleged file regarding my property. I have been provided with copies of copies that are redacted and altered in some form. I check with the XXXX XXXX XXXX and Insurance and verified that Veripo Solution is not residential mortgage lender in the State of New Jersey. I have never been advised that Veripo Solution was involved in the transactions of the alleged transfer of the Mortgage loan with regard to my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: CITIBANK, N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
sale of property XXXX XX/XX/2022 - wire transferred on XXXX XX/XX/2022 XXXX XXXX wire confirmation confirmation details received XXXX  no # XXXX of {$330.00} XXXX USD to my citibank checking account : Citibank confirmed receipt of funds on XXXX XX/XX/2022 XXXX XXXX following various enquiries and calls incl. Escalations to upper management, funds are under review by Citibank compliance with no further clarification or requirements pending verification. More than 20 calls has been made to Citibank with no progress nor proactive resolution actions or results- zero communication from Citibank regarding status or requirements. 
XXXX XXXX, Florida has not received any request or investigation trace for resolution to release the funds Title company has not received any request for resolution or verification

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 2022-07-28
Company: Experian Information Solutions Inc.
State: KY
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 look at a copy of my credit report and seen a few inquiries I'm unaware of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-30
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX, XXXX I opened a credit card account with TD Bank to purchase a XXXX XXXX XXXXXXXX, and make equal installmental payments for XXXX months. 

I, however, paid off the credit card account in XXXX, XXXX. 

On XX/XX/XXXX, I received an email/invoice from XXXX XXXX that I was being charged {$390.00} for my order. I immediately called and emailed XXXX XXXX to clarify that the account was closed and I did not place any order. The company representatives kept transferring my calls and keeping me on hold for over one hour before a lady eventually promised to cancel the charge. 

On XX/XX/XXXX, I got a statement from TD Bank , N.A . Retail Card on the same charge. The following day, I called TD Bank to file dispute number XXXX. I was informed by customer service that a review would be done within 90 days. 

When I called TD Bank at the beginning of XXXX, XXXX, I was informed that the error has been corrected ; the charge reversed, and my closed account will not be charged ever again. I was also told to expect a correspondence to that effect. 

I need assistance because instead of the promised letter correcting the fraudulent charge and permanently closing the account, I received a statement from TD Retail credit card that payment was due XX/XX/XXXX. Kindly help correct this error please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07
Company: Experian Information Solutions 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 XXXX  account # XXXX XXXX  XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX us dept of edu account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX XXXX  account # XXXX XXXX  XXXX  account # 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 section 2 : 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 explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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 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 2022-07-28
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX in account # XXXX, XXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX account # XXXX, us dept ed account # XXXX, XXXX XXXX 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 2022-06-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian is reporting a negative charge off and loss. Reporting that it is paid and not current. This is incorrect information. According to 15USC 1681, The banking system is dependent upon fair and accurate credit reporting. This Inaccurate credit reporting, it has directly impaired my credit profile and reputation. I would like for this to be removed immediately. I have sent numerous letters requesting removal. I have sent the letter that was sent via XXXX XXXX  I demand that this be deleted.

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 2020-10-05
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent you documents of an alleged debt over 30 days ago of a debt you are saying with a certified letter with a return recipe requesting 8 specific items to prove that I owe the debt you are alleging and I did not get any response from you. Your stamp on the return recipe tell me you have my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX of Texas. On XXXX went into Bank of America at XXXX XXXX XXXX XXXX XXXX TX XXXX, I ordered wire transfer in the amount of {$21000.00} including service fee of {$45.00} total paid $ XXXXThis wire transfer made to this company by name XXXX, XXXX, Account # XXXX XXXX XXXX XXXX, XXXX XXXX for purchase of stock .XXXX. On XXXX XXXX I filed a claim with Bank of America to recall the wire transfer back claim # XXXX indicated that I believed that I have been scammed .Thereafter Bank of America sent me papers to be signed and also needed all transactions papers pertaining all the communications with the said company. All the texts and emails communication were sent to Bank of America and was confirmed received by the officials. I was informed by Bank of America that it will take 60 business days to finished the investigation. Now the last time I called l was Bank of America that they will not disclose the out come of the investigation, I was told that they could not recover or recall the money. I demanded the information about the scammer company information and I was told before they will not release the information, that I have to get a court order signed by a judge they will before they will release the out come. Bank of America have not officially notified me about their investigation out come .According to the Federal Law and regulation Bank of America supposed to refund me the {$21000.00} back. See Electronics Funds Transfer Act, also called Regulation EXXXX Also see Bureau of Consumer Financial Protection ( XXXX U.S.C 1693 et. seq ) 44.U.S.C 3501 et. seq. and have been assigned XXXX XXXX XXXX. All versions of 12 CFR part 1005 ( Regulation E. XX/XX/XXXX XXXX ( current regulation.

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