BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I woke up this morning XX/XX/XXXX with a - {$120.00} balance. I should have not had a negative balance. I had about {$35.00} in my account yesterday when I went out to eat with my friend and I added about XXXX to my account. Anyway I paid for the meal and I should have still had about XXXX bucks in my account. Two items came out that night which were about XXXX. All the deductions that I am showing pending now were already taken from my account. My account shows payments taken out on the XX/XX/XXXX and then it jumps to XX/XX/XXXX. That doesn't make sense. The days that I made the different charges I saw the money pending on my end... which means that money shows as deducted, and therefore I can not spend it. I did call Wells Fargo and they are giving a stupid excuse ... I am not crazy and this is not right and not the first time that I have seen wierdness going on. The explanation from Wells Fargo is not gon na fly. They try to tell you what it should be, but you know what you have paid and when you paid it and when it was taken out of the account. What they show in the account 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 explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : US DEPT ED XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} US DEPT XXXX XXXX Balance : {$0.00} US DEPT XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX 0Balance : {$0.00} XXXX XXXX Balance : {$0.00} Medical XXXX Balance : {$26.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, 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 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo has been stealing from my account for months probably years. They are moving previous transactions and stealing hundreds of dollars at at time. I can not pin point the exact amounts because of the way they are moving charges around. I am tired of them stealing my hard earned money. I have tried to resolve this issue with them to no avail. This is my last course of action.

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 2023-01-16
Company: Experian Information Solutions 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:
I submitted this complaint in response to XXXX XXXX XXXX XXXX to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX  Balance Owed : {$13000.00}.

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 2023-01-16
Company: Experian Information Solutions Inc.
State: CA
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:
On XXXX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/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 2023-11-03
Company: CITIBANK, N.A.
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
They, Citibank ( " XXXX '' ) Sears Card Shop Your Way Mastercard, refuse to stop reporting me as late in payments, as of XX/XX/2023, when they broke our original payment agreement of XXXX payments @ {$300.00}. They consistently state they are not servicing the account, nor are they supplying false/defamatory/negative information about my payments to them that they are accusing me of being late with, as of XX/XX/2023. They have sold this account to 3 different 3rd party collectors. Those people say they do not report me to the credit reporting companies. Citibank says they're not reporting me either, yet they accuse me, verbally, of being late by going by their procedures to cancel a monthly payment in letters they sent me, and now have the audacity to turn around and report me as late. I never was notified prior to XXXX XXXX I was " late '' in a communication from their 3rd 3rd party collector, which I am going to pay off the remaining balance tomorrow, XXXX, XXXX ; in the amount of {$570.00}. Citi claims I never made an agreement w/them to make XXXX pymnts. @ $ 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 2023-10-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/23, I performed a deposit for {$300.00} in {$20.00} bills at the Wells Fargo ATM in XXXX NY XXXX. While performing the deposit, the ATM short circuited after taking my money. I was given a receipt that stated the deposit would be processed at a later time due to the malfunctioning ATM. I have no received the money and the representatives have been unhelpful in resolving my claim.

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
Consumer complaint received 2023-10-11
Company: LEXISNEXIS
State: VA
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:
according to virginia code 15.2-968.1 this shall not be used for insurance purpose in the provision of motor vehicle insurance coverage. went to the city clerk off in XXXX, va and they have not reported nor is it on my DMV driving record

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX continues to report a negative item on my credit report referencing debt discharged in bankruptcy yet they continue to report the item to XXXX Equifax and XXXX First and foremost I do not OWE XXXX XXXX any sum of money and this account is not mine. I am attaching my SECOND Notice under Section 609 FCRA which requires a creditor to produce the time and date, authorization to pull or access a credit report in addition the FCRA requires XXXX XXXX to provide copies of any and all copies or agreements between myself and XXXX XXXX. As of the submission of this complaint, XXXX XXXX has not removed the erroneous item from my credit report nor has XXXX XXXX produced any of the required items under Section 609 FCRA, which makes XXXX XXXX in violation of Section 609 FCRA. Furthermore, XXXX, Equifax and XXXX  are comp, I it in these violations due to the fact that despite being duly noticed under Section 609 FCRA they have equally failed to ( A ) require XXXX XXXX to produce the required items under Section 609 FCRA ( B ) failed to remove and or delete the derogatory report issued by XXXX XXXX based upon the failure of XXXX XXXX to adhere to Section 609 FCRA. 

This makes ALL parties in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA. The aforementioned violations constitute serious breaches of The Fair Credit Reporting Act. The violation of the Fair Credit Reporting Act requires the immediate removal of the derogatory information being supplied by XXXX XXXX with regard to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: REGIONS FINANCIAL CORPORATION
State: FL
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/23, I contacted Regions bank with the merchant XXXX. I explained that there were 2 charges from XXXX totaling {$100.00} that I did not authorize. The merchant advised the Regions bank rep that I did not authorize those charges and to start the dispute process. It is now, XX/XX/23, and still no resolution. I closed my card out as instructed and went to the branch for a new card. I attempted to contact Regions 2 other times to no avail. I do not understand why it is almost 10 days since the dispute and nothing has been resolved. I have been struggling with banking reps both in the branch and the XXXX number being unprofessional and not helpful. This is absolutely unacceptable and have never experiences such nonsense. I want this resolved ASAP!

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
Consumer complaint received 2023-10-11
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A {$600.00} charge was posted to my checking account with Wells Fargo for a cash e-withdrawal in branch on XX/XX/2023 in a town 3+ hours from where I live. I called the help center on XX/XX/2023 as soon as I noticed the charge and reported the incident as fraudulent as I had never made/approved this transaction. The customer service rep started a claim and said it would be resolved in a week. I received a letter in the mail today ( XX/XX/2023 ) stating the claim had been closed as they determined the transaction was made by me or someone I gave permission to. I havent yet requested additional information but I never made this charge, I was never even in the area of the withdrawal, and nobody aside from myself has access to any of my banking account information.

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 2023-06-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXXXXXX XXXX committed fraud I filed for the credit protection insurance on both of my cards from them when hurricane Ian it and I couldnt go to work for a few months and they stole the insurance money and refused to put it towards my accounts and there still trying to force me to pay it and they are making false reports to my credit file.

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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-11-22
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My company is an electronic part company XXXX XXXX XXXX in XXXX, XXXX ( I am the owner ) and would like to purchase XXXX XXXX XXXXXXXX. they told me they can provide the brand new parts ( XXXX XXXX XXXXXXXX but this part number is phased out in XXXX, which I did not know that, ) And they can do the delivery after full payment right away. I wired the money to their bank account in New York. Account name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After the full payment wire, they delivered the counterfeit parts of XXXX  to us, the label and box are all fake. Please help me to get back the money and punish this company. JPMorgan Chase Bank also can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The XXXX credit service is using deceptive practices! XXXXm contacting the XXXX XXXX XXXX regarding the fact that they negate to give you a monthly summery on all your purchases. By doing that it leaves the consumer in the dark about what they purchased and also an account of the dollar amounts. By grouping the non interest account with the regular purchase amounts you cant figure out what your individual balances are. Every other credit card company gives you a monthly purchase account. Your unable to screen if your cards been tampered with if you cant see the activity. They are scamming many elderly people and women. Woman are the largest consumer group using XXXX. They need to be accountable to these practices! Please join to sue the company!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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:
ACCORDING TO LAW, 15 USC 1681d ( d ) ( 1 ) ( XXXX, XXXX, EXPERIAN ) MUST CERTIFY INFORMATION FROM THE FURNISHER TO INSURE THAT FURNISHER, HAS GIVEN ME CERTAIN DISCLOSERS, TO INFORM ME OF MY CONSIMER RIGHTS.. AND I HAVE NOT RECEIVED ANY FORMS.. 

A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( 2 ) from the person who requested the report.

( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or 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 non-monetary relief
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 received two credit card inquiries from banks ( XXXX XXXX and XXXX XXXX XXXX XXXX that I never applied for cards from, this past Saturday the XXXX of XX/XX/2021.

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 2023-11-03
Company: MECHANICS BANK
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/23 My wife and I decided to sell our car because we are downsizing. Since the vehicle had extremely low mileage and was worth a lot of money, we decided to sell our car to XXXX. We still had a loan with Mechanics Bank, so the deal was that XXXX would pay off the loan at the time of the sale. We sold our car on XX/XX/XXXX and received our direct deposit on the XXXX. So bluntly, on XX/XX/XXXX we officially did not own the vehicle. At the time of the deal, the representative at XXXX advised us to make our upcoming car payment ( due on the XXXX ) to avoid any delay in paperwork processing. The representative assured us that we would be reimbursed for this payment. So fast forward to XXXX ; when we called Mechanics Bank on XX/XX/XXXX, they informed us that we would receive a reimbursement check by XX/XX/XXXX. So, on XX/XX/XXXX, we called Mechanics Bank and told them we had not received our reimbursement check. The Mechanics Bank representative told us they would have to check with another department and they would call us back. So, on XX/XX/XXXX, we called back, and they told us, after looking at the data, that we were not due any reimbursement. We were in total shock and complained. They told us that the group of supervisors decided that the lien was not officially released until after our payment date of the XXXX. We feel like we were lied to and actually feel like Mechanics Bank stole our money. The money amounts to {$450.00}, which is not significant to most people, but it is the principle of the matter. We simply will never consider doing business with Mechanics Bank again. They stole our money and spit in our faces, telling us tough luck. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Comerica
State: OR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I am filing this complaint against Direct Express. I called 2.5 weeks ago for all the information involving a investigation fraud use, unauthorized use of my debit card. I still have not received that information. I waited on the phone for 1 hour today finally i hung up had other things to complete today. I have waited and waisted important time for hours at a time. This is uncalled for. I called today to find out where all the documents requested 2.5 weeks ago were and if they had even sent them, like i stated i got tired of waiting. had important things in my life then to spend on the phone for nothing. They are irresponsible, can not believe they are in charge of everyones ssi and ssa moneys. Poor management.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10
Company: HYUNDAI CAPITAL AMERICA
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My loan with Hyundai Finance was paid off on XX/XX/2019. When paid, Hyundai Finance stated while late, they would show the car was paid in full and satisfied. I never dealt with a 3rd party, the loan always remained with Hyundai. I have requested a correction because this has harmed my ability to apply for loans and credit cards. My most recent call to Hyundai resulted in the same inaction.

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