BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
In 2017, after my Grandfather died, a car he had financed through Wells Fargo. I am the executor of his estate. The car was repossessed without incident and after they sold it, we got a letter stating that the car had been sold for more than owed, and we were receiving a check for XXXX dollars. It never came. 
Some years later, we got a letter about unclaimed property. I followed up with this by going in to a Wells Fargo branch and spending 3 hours there. I brought all my necessary Estate/Trust paperwork, and an Affidavit was written, signed by me, and notarized by a Wells Fargo employee . It was then sent to the Unclaimed Property Department from the Wells Fargo branch. I then heard nothing back for another year. 
I recently contacted them to follow up and after MANY attempts, got a secure message asking for me to send them paperwork to prove myself. I send a copy of the death certificate and a copy of the very Affadavit that Wells Fargo themselves made up and had. A few days later, I received ANOTHER email asking me to submit info and an affidavit. 
It has been years and I am no closer to getting the check made out to my deceased Grandfather so I can disperse it to the estate.

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 2023-10-17
Company: AXOS FINANCIAL, INC.
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I originally set up a CD account at XXXX XXXX. It was sold to Axos in late XXXX  's. Since then it has been dormant, probably because they have an old address. I simply want to take the account out of dormant status, and update the address. I have used the chat function, and called three times now. I sent requested documentation three times now to XXXX. Everytime I call, I have to start from scratch, and no one actually does anything. In our final attempt, my husband called. They verified 4 pieces of information and kept him waiting on hold for XXXX minutes. Then the representative came back on the line and said he wouldn't speak to him any more. I don't know if this is just bad customer service, or if they are playing games with us. I don't even want to make a withdrawal. I simply want to ensure the account is not escheated to the State. Please see attached documents for my correspondence with Axos. Note : I am attaching ALL REQUESTED documents. Please do not ask for them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information about my Inquiries was found in my Credit reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Here are the list of Inaquiries that are still reporting on my Credit Reportsand needs to Remove : XXXX Date of inquiry XX/XX/XXXX CBNA Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: WELLS FARGO & COMPANY
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:
Well Fargo continues to brush me off with responses that do not provide any proof that they acted in an ethical and non-discriminatory fashion. As a matter of fact article after article, class action suit one after another including XXXXXXXXXXXX XXXX own DA has found Wells Fargo to be nothing less than nefarious. Wells Fargo has stated repeatedly that I was approved for a " Modification '' and that I didn't accept their proposal. They expected me to fall victim to their fraudulent ways just like the millions of other who were approved for so called Loan Modifications by XXXX servicing which was a subsidiary of Wells Fargo. Customers believing Wells Fargo had granted them a " modification '' to keep their home paid on their modification for 18 months, received a Truth and Lending signed and notarized to the proof of the modification. Only to find a foreclosure envelope in their mail box. Trust me says Wells Fargo we reviewed you documentation and upon fair review we were able to offer you the same loan terms and conditions, but just not call it a XXXX XXXX loan .... What? I refuse to speak with some used car salesperson on the phone trying to talk me into believing that Wells Fargo has acted and continues to act ethically and responsibly. Again all evidence points to lies and deception on the part of Wells Fargo and I reiterate that my loan modification was not assessed in an ethical and non-discriminatory court ordered manner. Before furnishing any further additional documentation Wells Fargo need to first establish an interest in establishing their claim of no wrong doing on their part as they've monetarily have paid for via class action settlements. I request Wells Fargo 's senior management team set up a meeting with me and my advisors and walk us through my entire loan modification along with the process utilized.

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 2023-10-31
Company: Experian Information Solutions Inc.
State: CT
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:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 non-monetary relief
Consumer complaint received 2023-10-31
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:
On XXXX XXXXXXXX responded to my request for removal of inaccurate reporting. Their response stated that the account was sold to a company by the name of XXXX XXXX. There is no such company listed on my consumer report, however XXXX is listed on my report as a collection. This account needs to removed as I do not have a debt with XXXX nor do I have an account/debt with XXXX XXXX. XXXX has made false and misleading statements which is a direct violation of 1006.18 CFPB. Also, if the account was sold ( creating a charge off event ), I should have received a 1099C ( I never received one ). When a 1099C is issued, I would have became responsible for income generated by the cancellation of such debt. If I am responsible for the income then that would mean I can't owe a debt and pay taxes on the income of that same debt. It appears that XXXX operates fraudulently and doesn't mind violating consumer laws.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-03-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Company called me 10 times in a row Company called my job about debt Company sent strangers to my house to harass my family and i Company sent fake law suit to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Chexsystems is not reporting correct information with regards to a bank checking account that was resolved.

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 2022-09-13
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 non-monetary relief
Consumer complaint received 2023-04-04
Company: Selene Holdings LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Selene Finance reported my mortgage late thirty ( 30 ) days. I have never been late since Selene Finance obtained my mortgage on XX/XX/2021. After my initial payment in XX/XX/2021, I usually pay my mortgage a few days before the XXXX of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The main 3 bureaus are putting bankruptcy on my credit report. They said, the data furnisher is the US bankruptcy court of XXXX, which is false. I have attached a letter from the US bankruptcy court stating that they don't give out consumer reporting to the third-party bureaus, or to any consumer reporting agency. Nor do they validate or verify consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged a $ 10 monthly fee by wells fargo for not having direct deposits in the amount of {$500.00} or more. 

I had a payout of XXXX from XXXX clearly scheduled for XX/XX/22 which would have brought my monthly direct deposits over the {$500.00} requirement. 

Instead, Wells Fargo decided to hold the XXXX deposit for an additional day until the XXXX of XXXX so that I would not meet the {$500.00} minimum so they could charge a fee. 

Then when I tried to get a customer service representative on the phone, the system did not take my touch tones and hung up. 

As long as you keep up with these shady business practices, I'm going to keep complaining to the CFPB.

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 2023-02-10
Company: Zions Debt Holdings
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I was being harassed about an account I had no knowledge or applied for. XXXX acussed me of applying for an alarm security system. I have disputed false account and collection was removed from my credit report. XXXX used four different collection agencies and derogatory mark was removed findings as fraud. I submitted police report of fraud along with a copy of the application and bank account used for this account from XXXX to credit bureaus. Now, XX/XX/XXXX XXXX using Zions Debt Holdings to put the derogatory mark on my credit withXXXX. I am disputing again. On the application the heading is XXXX. I assumed XXXX is the new owner of XXXX. I did submit documents to the Office of Inspector General asking for help and/or suggestions to end this fraudulent application/contract that I AM NOT RESPONSIBLE FOR AND THIS IS NOT MY DEBT. I have contacted all collection agencies and submitted police reports and what XXXX sent me. I will send Zions Debt Holding the same documents proving this is NOT my debt. I requested an investigation on the agent name listed and signature in the documents but as of this day no response. I did followed up with collections agencies, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX only XXXX responded as case dismissed and fraud. Now Zions Debt Holdings, the fifth collection agency starting this fraud. I need help to end this fraudulent account to end completely. Please help methanks.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: BBVA FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Opened a checking account which had a {$200.00} signup bonus after a direct deposit. The terms of what qualified as a direct deposit were confusing and in fine print. I was not told that my direct deposit did not qualify until after the period to make one occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: FL
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing to dispute the recurring finance charges being applied to my account as they are due to a violation of the Credit Card Accountability Responsibility and Disclosure Act of 2009. I have two types of balances : a Promotional Balance Transfer thru XX/XX/XXXX ( currently {$8700.00} ) with a 0 % interest rate. And a current balance of {$1100.00} as a Regular Purchase at a 12.25 % variable interest rate. I have been making payments higher than the minimum required amount, specifically in XX/XX/XXXX and XX/XX/XXXX. I understand per the USAA credit card agreement ( XX/XX/XXXX, page 6 : " How We Apply for Payments and Credits ) " Amounts in excess of the Minimum Payment Due are applied to the balance with the highest APR ''. USAA is not applying payments and credits made in excess of the minimum payment to the balance of the highest interest rate balance. Instead, they are paying off my 0 % Promotional Balance and allowing for the Regular Purchases balance to maintain and continue to charge me finance charges each month. 

I understand that it is important for me to pay off the balance transfer before the promotional period ends to avoid accruing interest. However, I also believe that it is unfair for me to be charged finance charges on the higher interest rate balance when I've been making payments in excess of the minimum amount due in order to pay off the higher interest rate balance. 

I've made several calls to USAA to rectify and resolve this issue. In XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX. Once, I was given a courtesy credit but they continue to charge me monthly finance charges. USAA representatives stated that finance charges will continue until the balance is paid in full. They identify " balance as the total balance which is both the Promotional Balance and Regular Purchases '' yet they keep applying all payments to the Promotional Balance, leaving the Regular Purchase Balance the same which allows for the monthly finance charges to continue. 

USAA should adjust my account to reflect the application of any amount in excess of the minimum payment from XX/XX/XXXX thru all future excess minimum payments to the highest interest rate ( Regular Purchase Balance ) both in accordance with the Credit Card Act of 2009 and their very own USAA Credit Card Agreement. 

Please note : I have stopped and will no longer use a USAA credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had high hopes for this bank and after only 2 months I am closing my account. I went to an BOA ATM on XX/XX/2019 at approximately XXXX XXXX and attempted to deposit {$60.00} - {$70.00} dollars into the ATM. I use this same ATM frequently to deposit funds, it's usually quick and convenient considering the bank near me has no drive through options, and the inside is extremely busy all the time. The BOA ATM malfunctioned, gave me card back but said it was unable to give me back the funds I put in it. I go inside the bank, no help. I call to file a claim, with hopes of money getting put in my account expedited because it was for a bill, and I work at a bank so I know it can take 10 days, but there are procedures to get it expedited. Only to get told I still have to wait 10 days to get my money back by three different reps and a supervisor because of the age of my account. All for an error caused by the bank. No one stole money out of my account, there was NO FRAUD, my card was not lost or stolen, I was not irresponsible. BOA ATM Malfunctioned and kept my money. Now, I have late fees on the bill I was going pay, BOA will not reimburse me for that of course. The money was for a bill I was needed to pay today, and now I will have late fees, all because of your ATM malfunctioning. This completely unacceptable and unfair to me as an customer. 

Ive lost 0 trust with you all as a bank. Knowing something like this can happen with a small amount money and this bank wont do anything to rectify the situation, which was caused by their own ATM machine not properly working.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief