BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2023-12-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo claimed to have sent XXXX letter via USPS stating they needed to confirm a different address for our business location. We have had the accounts established since XXXX with the same address. We never received the notification. Wells Fargo never called or emailed or tried to contact us. 

As a result, the accounts were literally closed, money mailed via USPS ( still not received ), and our employees and vendors left without an infrastructure. This literally has brought our company ( XXXX XXXX revenue per year ) to its knees and could force into bankruptcy.

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 2023-12-24
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged overdraft fees and other fees and my checking account was frozen. Bank account was closed

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 2023-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I received a letter from Bank of America that said " we detected suspicious activity on your credit card and as a precaution we've temporarily suspended your account ''. I had applied for the card but had not received it. In the letter they asked that I call them asap. I called XXXX on XX/XX/. I spoke to XXXX who asked for my name and account number. I could only give her the last four digits of the account number as that was all that was noted in the letter I received. She then asked me for my social security number which I gave her only to be told that she could not verify my identity over the phone ... .after she had my SS #. I was told that I had to bring 2 pieces of ID to a B of A branch in order to gain access to the account. I explained that I live on the XXXX XXXX of Hawaii and that there are no bank branches on the island. I offered to send in the ID via e-mail or fax but this was unacceptable. Then I asked her to close the account which she said she could not do. 
I asked to speak to a supervisor and got the same story. She then sent me to a completely wrong department who could do nothing either and did not know where to send my call accept back to the first department I spoke with. I had now been on the phone for 40 minutes ... ... much of it spent holding. 
This is unacceptable from a financial, security and privacy stand point. Now someone at Bank of America has my social security number, access to my credit card account and knows my name and address. I so appreciate your assistance with this troubling matter.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 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 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
We find there is over due from our credit report from Bank of America, and there was a charge {$14000.00} on the card. I never applied this card, and never received the card. This is a fraud.

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 2023-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I am a victim of a scam. This fraudulent company XXXX, has under false pretenses persuaded me to invest XXXX USD on XX/XX/XXXX. It was done in two transaction from my Bank of America account. I have all the information about the scam and the receipt of the transferred funds. I had attached a dispute letter and multiple attempts to reach and fix this issue with BOA.

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 2023-12-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
Wire sent XX/XX/2023 to beneficiary in XXXX with Name " XXXX XXXX XXXX XXXX XXXX '' in amount of USD XXXX. Beneficiary name is important because we have done this before without issue. Beneficiary says " money has not arrived because you entered our company name incorrectly in the remittance field ''. The only difference in the beneficiary name is the last characters " XXXX, XXXX. '' not added due to field limitation. Besides the characters in name too long for field, the characters comma and dot are not permitted. However, we have not had this problem before using beneficiary name. XXXX XXXX. XXXX was created with Wells Fargo bank XX/XX/2023 and was to provide status in 5 business days. Wells Fargo bank said they would send " message '' to bank to correct beneficiary ( I think something else is going on since this name has worked before ). No such acknowledgement was received for case created or status. Further visited Wells Fargo bank XX/XX/XXXX and called XX/XX/2023 without result or accepting to provide acknowledgement of a case but do have record of the case.

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 2023-12-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Experian contacted consumer after hours to be abusive about fixing my 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 2023-12-20
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit reporting 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 the report by I am open the XXXX account in XX/XX/2023 but this account not belong to me, and I didn't realize I have it unstill XXXX XXXX report I was late payment for that. I am try to dispute them but the results not correctly so I'm really want to fix that and because it was late payment 30 day one time already and they report I'm late again in 60 days. My credit score hurt by that and went down alot, so please help me with that, because I never want to late payment anything on my credit card. And I don't want get debt by someone else but I the one not using that credit card!

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 2023-12-20
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Wells Fargo has been mailng mediation request forms for several months, I was given tracking numbers including XXXX, XXXX, XXXX is the most recent one dated XXXX When I initially called number on letter XXXX, I was told call will be disconnected, referred to prior mediation in which case, no payment received from that mediation.. When I called today, I was told all mediation efforts have been exhausted ... The call was regarding the last tracking number, XXXX As the CFPB can see, these mediation request forms are a mere run around, future forms will be refused.. I request the CFPB look into this behavior, fine Wells Fargo for opening unauthorized accounts in my name including account ending in XXXX, a checking account and most recently, a Jewelry account, XXXX XXXX  XXXX, both accounts fraudulent.

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 2017-09-12
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint to the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, XXXX C.F.R. XXXX XXXX c ) ( XXXX ) ( i ). 
The lender states that they are unable to reduce the monthly payment - The lender has failed to review this borrower for a principal reduction or the HAMP program prior to XXXX/XXXX/XXXX - no offer of extending the terms to XXXX years with a reduction of the I/R to make the payment affordable - The client has also submitted contributor information and a change in circumstance regarding his financial obligations that would allow him to afford the mortgage payments are they are stated on the loan currently - The lender has made no effort to assist this borrower in a loan modification, an appeal was submitted XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX showing the change in circumstance, and they lender is still unwilling to modify the loan or assist the borrower in a principle reduction to retain his property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Subject : XXXX XXXX US Bank Regarding Withheld Funds To Whom It May Concern, I am writing to file a formal complaint against US Bank for an ongoing issue concerning withheld funds in my account. My name is XXXX XXXX, and the account in question is with US Bank, account number ending in XXXX. 

On XX/XX/2023, I noticed that an amount of {$2000.00} was put on hold in my account without a clear explanation. Despite my attempts to resolve this matter directly with US Bank, the funds have not been released, causing me significant financial inconvenience. 

I have been a customer with US Bank for years, and this unexpected hold on my funds has not only disrupted my financial planning but also caused undue stress and hardship. I have contacted US Bank customer service multiple times since the incident, seeking clarification and a resolution. However, their response has been unsatisfactory, and the issue remains unresolved. 

I am requesting the CFPB 's assistance in this matter to : Request the bank give my money back because it belongs to me Facilitate the prompt release of my funds. 
Ensure such incidents do not recur, providing a clear explanation to prevent future misunderstandings. 

Please request the US Bank and any transaction details that might assist in your investigation. 

I appreciate your attention to this matter and look forward to a swift resolution. Please do not hesitate to contact me if you require any further information or clarification. 

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 2023-11-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 updated : XXXXXXXX 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 2023-11-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Just like the commercial said I should I got a copy of my credit report and there are things that just arent accurate on it. I am greatly concerned because I am a good paying person and dont want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. I thank you so much for taking the time to help me fix this all up as the commercials said you would be helpful in fixin this kind of stuff. Remove the late dates and negative status of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and remove these item from my credit file : 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 2023-11-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX : XXXX, XXXXXXXX XXXX Experian : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I have already disputed these accounts with the bureaus but they did not remove them, nor prove validation under Sec. 609 FCRA.

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 explanation
Consumer complaint received 2023-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
So i woke up on a XXXX  morning to a charge of {$300.00} from my BofA checking account, i called the customer service and they told me it was due to a collection from my previous account that was closed out in XX/XX/2022 ( almost XXXX years ago ). Now I have single idea of any account closed out in XXXX, no statement was sent to me, no mail, email, text message, calls was provided to me about such transaction or close out and now waking up to a debit of XXXX from them without any prior notice? I have asked them to send me receipts, evidence of the transaction, of the notice they sent to me which they never provided and i am seriously livid. 

Bank of America can not go around deducting cash from customer account whenever they choosing without any notice, arrangement or explanation.

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 2023-12-22
Company: MOHELA
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Mohela is reporting duplicate student loan account to the credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-12-22
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I tried to get an XXXX XXXX XXXX  account and they told me one was already active and that I had to add a line to that account. I explained to them that it was not my account. The guy asked me for my address my phone number and he told me all the information was correct except for the address and that the account belonged it to me I explained to him I have never had service with them And right after that a few months later, the account hit my credit report Ive been disputing. I contact them several times and he told me it was nothing they can do about it that all the information was correct. The guy change the address to my current address.

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 2023-12-21
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CCS XXXX is attempting to collect on an alleged debt. They sent me a letter which contains more than XXXX FDCPA violations. I will attach a copy of the letter highlighting each violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation