BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I open an account with Wells Fargo in XXXX, Nevada on XXXX XX/XX/XXXX. I deposited six checks, the check the bank is stating is fraudulent is from XXXX XXXX XXXX XXXXy XXXX XXXX issued on XX/XX/XXXX check number # XXXX for the amount of {$20000.00}. The check was from XXXX XXXX XXXX XXXX. Wells Fargo has stated this is a fraudulent check will not process this check unless I provide two letters one certified from the XXXX and one from the bank XXXX in which by I was told they do not write letters by the agency XXXX. I have talked to multiple agents approximately six agents from each agency XXXX and Wells Fargo on XX/XX/XXXX and XX/XX/XXXX I finally called the lawyer, who is in my lawyer for the XXXX XXXX XXXX XXXX XXXX XXXX, Lawyers, XXXX, XXXX, and XXXX, XXXX. 
So my checking account will be closed on XX/XX/XXXX due to me depositing a fraudulent check. 
I have been receiving these checks for the last four years. Thank you for your help.

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 2023-05-25
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I try to fix this problem with them about the hard inquiries the I didnt do even with the other inquiries but I didnt get the results

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 2023-05-25
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Back in XXXX, 2023 around the XXXX I was unable to login to my Citibank account. I called Citibank and was told my account was in the process of being closed and that once it was closed I would receive any funds owed to me. At that time I had {$1500.00} in my account all of it being from my Social Security check. On XX/XX/XXXX my Social Security check came in, I called to see if they had returned it because I had assigned another bank to receive it, but they lied saying they would automatically reject they SS funds, since they didn't return the SS check. I am XXXX XXXX XXXX, the only funds entering this account was my Social Security check and they are refusing to send me my funds. They also told me my account is being investigated for fraud which is ridiculous because my account only pays for XXXX purchases, my insurance and my credit cards with Citibank. I had been a customer for over 20 years. I've gone to the bank many times trying to get a check cut to me but to date all I get are notices that my account is being closed but they never send me a check. I want my money it's against the law to hold my social security funds according to Social Security whom I've contacted and told me they didn't reject the funds for XXXX 's payment. They're playing with my money while I'm waiting to get paid. This is an egregious form of elder abuse! I want my money back ASAP! I've not received any notice about my account being closed, yet, they send me notices that my credit cards and debits cards are closed but for my account I get nothing but notices that I have funds sitting there that I can't access!

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 2023-05-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Had an account with wells fargo auto loan. I purchased a used car for {$6000.00} and I finished paying the auto loan for {$21000.00}. I believe that Wells fargo charged me interest that I didnt agree to on the contract.

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 2023-08-01
Company: FIRSTBANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported fraud on XX/XX/XXXX, for approximately XXXX, I think it was in total, they put the money back in my checking account. Then suddenly on Friday they yanked XXXX back out. I never received a written notification that they were going to do so. Plus I know that I did not authorize the original transactions and neither did my husband. Someone on our vacation we were on did steal my card though.

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 2023-06-04
Company: Experian Information Solutions Inc.
State: TN
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. 

Account name : 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  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 2020-08-12
Company: MECHANICS BANK
State: TX
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:
In XXXX of XXXX, I paid my auto loan account off that was held by XXXX XXXX. Upon completing a home loan application in XXXX of XXXX, I was denied due to a derogatory charge off account on my credit report. Upon review, I discovered that my paid in full account for XXXX XXXX  was being reported as a charge off and not as a satisfactory paid in full account as agreed upon with XXXX XXXX. I have contacted the company several times to get this issue rectified to no avail. My final email was forwarded to the company on XX/XX/XXXX and no one at XXXX XXXX is willing to assist with this erroneous information being reported on my credit report. I have a clear title to my vehicle and XXXX XXXX has failed to uphold to the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
On XXXX XXXX I purchased a XXXX XXXX XXXX  which was a lease prior to leasing this vehicle I had a XXXX  XXXX  that I traded in for the XXXX  in XXXX when I turned in the XXXX  I was over in miles because I had to wait to get the XXXX  so the sales rep told me not to worry about the miles he would take care of the miles.but later in XXXX when my XXXX  lease was up I discovered that the miles had not been Pais an it was in my credit. So I contacted the sales rep an he pretty much told me that the was nothing he could do so at this time my lease was gon na be up XX/XX/XXXX so I had contacted Mercedez financial to give them my purchase order because the car that I order back in XXXX of XXXX still had not arrived they did not allow me to make an extension I called them almost everyday trying to fix this problem because I needed a extension I've never been late on not one payment they would not do anything to grant me a extension So on XX/XX/XXXX I received a letter dated XX/XX/XXXX stated I ad ten days to turn the car in purchase the car or give them a purchase order. so by the time I received the letter the next day they came to get the car an they never gave me time to turn the car in I asked them why did it take 16 days for mr to get a letter that gave me 10 days to turn the car in I never got a chance to turn the car in but I had already given them a purchase order but they would not help me.if I would of turned the car in I would not had these fees this is affecting my credit. lve contacted them to ask them to remove the fees they want I told them its not fare for me to have to pay these fees when XXXX  XXXX   delivered the paper 16 days from when they dated the letter they told me I have to take it up with XXXX  XXXX when I called XXXX  XXXX  an gave them the tracking number said that they received the package on XXXX XXXX not XXXX XXXX so that explained why received the letter on XXXX I have attached a copy of the letter as well as the tracking number .Please assist me with this issue Mercedez contact number XXXX purchase order number XXXX my contact number XXXX name on lease XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
As to what happened, I have described this in details including all documentation in the document attached called " Mail XXXX XXXX XXXX ''. 

My dispute with PayPal is described in details in the document : " Dispute History of PayPal Dispute XXXX '' and my further chat with PayPal is described in details in the document : " Chat with PayPal from XXXX to XXXX '' I am filing this complaint against PayPal, who facilitates financial transactions between dubious XXXX vendors who use a convoluted business set-up in the US leaving the American consumer with little to no chance of getting their money back because the business set-up used cuts the legal obligations between the XXXX XXXX and the American consumer, because there is a middle company between the American consumer and the XXXX company and this is unknown to the American consumer at the time of purchase. Use of the middle company in California seems to have no other purpose than to make it more complicated for the American consumer to deal with the aftermath and logistics when the products don't show up at all, are damaged or show up and are then not at a good quality. 

Furthermore, the American consumer is being lured into thinking that they are placing an order with an American company and not a XXXX XXXX, and the XXXX company XXXX Co exhibits deceptive marketing by advertising Father 's Day Hot Sales and then products are being shipped on a slow boat from XXXX and are delivered over a month after Father 's Day in the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-07
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2021 i applied for credit in which i was denied for the amount of {$12000.00} and received an adverse action letter from Ally Bank. Pursuant to 12 CFR 1002 regulation b, it protects applicants from discrimination in any aspect of a credit transaction. Ally Bank has discriminated against me and discouraged me to extend credit. Also pursuant to 15 USC 1681a ( k ) ( 1 ), it was never mentioned a denial for credit. Ally Bank has violated my federally protected consumer rights and has caused emotional and mental stress after reading the adverse action form sent to my home, showing they are willingly and knowingly taking action in false and misleading practices. Such violations holds Ally Bank criminally and civilly liabel. Attached to this complaint is the adverse action form from Ally. There is no third party involved in this complaint, i XXXX XXXX give authorization for the CFPB and Ally Bank to move forward with this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/2021 I wrote my dispute letter to the credit bureaus about few items that I seen on my credit report. all my letters that I sent out was certified so I can keep up my documents. I will attach my letters, return receipts and my proof of identity so you can help me with this matter because this is crazy and outrageous that these credit bureaus are putting these items on my report like this and I don't appreciate it not one bit. It's effecting me to a point that is making it hard for me to get approved for a mortgage so I can get my family a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2023 to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2023. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$290.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00}.

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 explanation
Consumer complaint received 2015-10-21
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have had XXXX short sale offers submitted to Dovenmuehle Mortgage. The first one went all the way through escrow, but when there was yet another delay on XXXX 's part, the buyers have walked away. The mortgage company refuses to talk to me or to communicate with my real-estate agent. Their letters say I have a point of contact, but I can never get to her, and I am still receiving calls from their collection department, which I understand is illegal. I have provided all the information they have asked for on numerous occasions, but every time I attempt to contact them, they never seem to " have it in their system ''. In fact, the last representative I talked to said they have no record of any short sale offers ever having been made, which I know is a lie. I can not keep this house, I have tried for years to get it sold, but they will not cooperate. At this point, I want to just do a deed in lieu of foreclosure, they can have it, but again, nobody will talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
TO WHOM IT MAY CONCERN : I was required to pay a fee to open up a checking account in order for me to become a member. However, my access to the online portal has been blocked for some time now and just recently I received a letter that informed me that PenFed is no longer serving my account. Meanwhile, I have not received a refund for member service charges or any notification on why the checking account was closed. Furthermore, membership to PenFed documents does not show any claim that PenFed reserves the right to close memberships including checking accounts without notification or consent or withhold refunds.

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 2023-01-28
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:
This is my XXXX  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 alleged fraud or extortion. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S. Code 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The creditor has reported that from XX/XX/XXXX through XX/XX/XXXX, my account payments were late or not made, which is false. The payments were all made and were on time each month. I have tried contacting the creditor and all three credit bureaus about the issue. Each time, they just report back that they can not change what my credit report says because the original report was accurate when in fact, it was inaccurate and is causing me not to be able to build my credit as quickly and efficiently now and is also causing me not to be able to get new credit with other companies.

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 2020-08-12
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They keep calling me while I am at work and I have asked them not to call me during working hours and they do not listen. They call me at least 5 - 7 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
A little over a year ago I enrolled in direct charge to my checking account to repay {$99.00} a month at a reduced interest rate, at the end of 1 year I was told that I was going back to the higher interest rate and the previous offer was only for one year, even though I was told that I could renew it every year. Very misleading. Also Discover advertises that you could redeem your bonuses anytime. Yet when I tried to redeam my bonus points I could not because I did not have {$25.00} in bonus. J also never gave them permission to put my credit score on my bill. Unfortunately I get my mail in XXXX XXXX and one of my bills went into someone elses box and it was opened. This happens quite often.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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 XXXXXXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2020-08-12
Company: Experian Information Solutions Inc.
State: WA
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:
Hi There, After reviewing my credit report, there is some of inaccurate information reporting on my credit profile. I have reach out to Creditor as well as 3 Credit Bureaus. And there has been no response. The Creditor sent a Transaction Report but again those transactions were not mines. I am a victim of Identity Theft. I also reached out to Credit Bureau 2 months ago almost with no response. I am asking for these item to be removed that does not belong to me.

See Attachments.

Thank you

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