BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
There are ( 6 ) student loans being reported under XXXX  XXXX XXXX reporting inaccurate late payments. It clearly indicated on my credit report XXXX PAYMENT MONTHLY DUE. there was NEVER ANY PAYMENTS DUE ON ANY OF THESE LOANS PRIOR TO IT BEING TRANSFERRED. THESE LOANS HAVE BEEN ON MY CREDIT FILE SINCE XXXX. WHICH LRGALLY IS AGAINST MY FCRA RIGHTS anything after 7 years NEEDS TO BE REMOVED FROM MY CREDIT FILE. THE INFORMATION HAS BEEN REPORTED INACCURATE SINCE XXXX  PLEASE REMOVE ALL 6 ACCOUNTS AND ALL LATE PAYMENTS. THERE WAS NEVER ANY MONTHLY PAYMENT DUE.

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 2024-01-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I called Wells Fargo to ask to skip one payment on my mortgage which was a program they offered in the past as a courtesy. Wells Fargo would add the excused payment to the end of the loan. Was advised bu the home preservation rep they no longer offered that program but referred me to NC XXXX XXXX XXXX and said no negative credit reporting would happen while in the program on numerous occasions. On the referral from Wells Fargo I enrolled in the NC XXXX XXXX XXXX which was in contact with Wells Fargo and notified them I was in the program and payment would be processed. I was approved for XXXX months of assistance and the program would forward payments directly to Wells Fargo. I was in constant contact with Wells Fargo during the program ( which Wells Fargo should be able to pull ALL the calls made to their XXXX XXXX department since they are recorded. Wells Fargo pulled one call in XX/XX/2023 and stated no one said no bad impact to my credit which I contest ) and was told the NC XXXX XXXX XXXX would take a few months to process the payment to Wells Fargo and there would be no negative impact to my credit. Wells Fargo with knowledge of me being enrolled in a program they referred me to, and mortgage payments were going to be paid, reported me late to credit bureaus and ruined my credit on purpose. When full payment was made, Wells Fargo never reported the payments to the credit bureaus without me contacting them and complaining that they received all their money to date.I have attached the Award letter from the NC XXXX XXXX XXXX that Wells Fargo also received on my behalf. Wells Fargo caused me financial harm which proves they should be put out of business. They participate with bad business practices and do not care about their customers at all. Please investigate how many innocent consumers who sought out help from Wells Fargo, were referred for that help and then purposely harmed financially by Wells Fargos Actions. There is no excuse for their actions. I hope the XXXX XXXX XXXX will protect us consumers and go after Wells Fargo once again with their history of fraud and bad business practices.

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 2023-03-23
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I enrolled in XXXX XXXX on XX/XX/XXXX. I attended the school for 2 quarters ( XXXX ) and withdrew from the school on XX/XX/XXXX. I received a letter from the office of Attorney General on XX/XX/XXXX stating that my restitution claim against XXXX was approved and that XXXX had agreed to waive collection of {$11.00} XXXX in private debt that was owed by students whose last day of attendance was between XX/XX/XXXX and XX/XX/XXXX. My last date of attendance recorded is XX/XX/XXXX. The letter states that no action is required by students to obtain this debt relief. I called AES to explain that I am no longer obligated to make monthly payments in XXXX XXXX. I gave detailed events of my withdraw date and how I felt I was not responsible for the loan since collection were waived. I was told that Im not on a list and I would have to continue making my payments. I requested a supervisor and she told me to upload this letter to my AES account for review and someone will get back with me. I detailed the events and explained how I did not receive the full loan amount and how I am not responsible for the debt since it was waived. It was again determined that I was responsible for the debt but without a reason as to why. I do not see evidence that a thorough investigation was performed to verify my liability to the full debt owed. I made several calls to AES to request my promissory note and disclosures, which I received. Upon viewing the documents for myself, there are many red flags that prove as evidence that my loan has fraudulent activity on it. The last call I made to AES was on XXXX XXXX, XXXX and after explaining my case to someone else, the only solution I was given was to write the loan services and request the loan be discharged after explaining the story and providing evidence. Since I was not provided any contact info other than a name, I searched for the loan servicers contact information online and found nothing. It seems that despite my efforts to resolve this issue with AES, Im being taken on a wild goose chase to clear this debt while interest charges, fees and increasing debt continue to stack against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received an account history mailed from Bank of America on XX/XX/XXXX, showing my original loan amount as {$48000.00} and the Maturity Date as XX/XX/XXXX. As of XX/XX/XXXX, Bank of America has received {$42000.00} in interest. The total interest Bank of America was to receive was only {$37000.00}. When I called Bank of America in XX/XX/XXXX, I was told I owed an extra {$4900.00} in interest because of a balloon payment for the 4 loan extensions totaling 5 months. I asked Bank of America if I could make payments to this alleged balloon payment, but Bank of America said I had to pay it in whole or I would be in default. I have no knowledge of a balloon payment, and it was never talked about or in the agreed contract I signed that I am aware of. Bank of America applied 9 months of payments strictly to interest when our agreement only allows them to do this if I was late or missed a payment, which was never before XX/XX/XXXX, according to my credit report. I contacted Bank of America on XX/XX/XXXX, to try to resolve this issue. I was transferred to management, where I was hung up on while trying to explain the evidence in front of me at the time and have Bank of America show me where in our contract it stated that I would have to owe a balloon payment. Since I was hung up on, I referred to writing Bank of America by sending them a letter on XX/XX/XXXX, in which they responded that my letter was without merit. On XX/XX/XXXX, I sent Bank of America another letter specific to our loan agreement that shows that I should not owe anything on the loan and that our contract was fulfilled in XX/XX/XXXX, to which Bank of America never replied. Bank of America wrote a letter dated XX/XX/XXXX, stating that I was in default and that Bank of America would repossess the collateral if I did not pay {$4600.00} by XX/XX/XXXX. Bank of America is trying to collect more than they were owed without sending any justification and breaching our agreed-upon contract. I was unfairly tricked into a loan extension by misrepresentation from Bank of America.

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 2023-03-23
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
-previously payments where send thur XXXX XXXX pay on the 1st of each month and arrived with in 2 days -payment was send on XXXX but was not accepted Amex had requested XXXX send a paper check which took 9 days and arrived on XXXX causing a 'late payment ' and {$29.00} late fee XXXX called Amex and reported the problem after investigation and discussiong with XXXX XXXX. XXXX said Amex had requested a 'paper check ' which arrivied on XXXX and could not be late! 
-payment was send on XXXX but again was not accepted by Amex causing a {$40.00} late fee -other banks have historically used this fraud scheme to over charge and add late fees -as of today XXXX i will not longer send payments to Amex -Amex has defrauded me before with this scam and other scams similar

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023, I mistakenly transferred funds- {$37000.00} - from my current XXXX checking account ( account no. XXXX ) to a prior XXXX XXXX checking account ( account no. XXXX ) that has been closed for approximately 10 years, but was still linked in my XXXX account. XXXX has confirmed that they recycled my XXXXXXXX XXXX checking account ( account no. XXXX ) and that this account is now with another consumer. However, XXXX will not return my funds and is insisting that XXXX dispute and/or recall the transfer / funds in order to process the return of my money, but XXXX is refusing to dispute or recall the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: WV
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 2023-03-23
Company: WELLS FARGO & COMPANY
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I, XXXX XXXX, recently purchased a XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX, Wells Fargo finance the vehicle. Purchased date XX/XX/XXXX. This vehicle has had problematic from a bad car battery, the ball joints collapsed, and the dealership told me that they replaced the brakes on the vehicle. Wrong. The vehicle needs rear brakes and rotor. The dealership refuses to reimburse for the repairs.

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 2023-03-23
Company: Experian Information Solutions Inc.
State: TX
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 am writing to dispute information on my credit report that I believe is inaccurate. Pursuant to 15 U.S. Code 1681s-2, I am requesting that you investigate the disputed information and correct any errors. 
Specifically, I am disputing XXXX XXXX. I have attached documentation that supports my claim and demonstrates that the information is inaccurate. 
I also request that you comply with the provisions of 15 U.S. Code 1666b, which requires you to notify the furnisher of the information that I am disputing the accuracy of the information they provided. If the furnisher of the information is unable to verify the accuracy of the information, it must be removed from my credit report. 
Furthermore, I would like to bring to your attention that the collection agency, [ name of collection agency ], is not licensed to collect debts in the state of Texas. Pursuant to Texas Finance Code 392.101, a person may not engage in debt collection in Texas without first obtaining a license. This collection agency has not obtained a license, and therefore, any attempts to collect a debt from me in Texas are illegal. 
I also request that you comply with the provisions of 15 U.S. Code 1692g, which requires debt collectors to provide validation of the debt within five days of their initial communication with me. To date, I have not received any validation of the debt. 
I request that you investigate these matters promptly and provide me with the results of your investigation within 30 days, as required by law. If you are unable to investigate and correct the disputed information, I request that you delete it from my credit report. 
Thank you for your attention to this 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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am in the process of purchasing a home for my family and it was requested by a lender to pull my credit reports. As part of the review I found there are inaccurate items and should not be on my credit report. I understand mistakes happen but this needs to be fixed because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : Acct Name : XXXX XXXX XXXX with Account # : XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 120 days past due multiple times according I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My identity was stolen and I made XXXX and experian aware of this and sent numerous of letters and documents as proof to the identity theft and accounts that were associated with the theft. 

These companies are still reporting these accounts as thou they are accurate when in fact they are included in my information being stolen.

According to 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Also Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

( 1 ) IN GENERAL.-Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Also 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

And 15 U.S CODE 1681C-2-BLOCK INFORMATION RESULTING FROM IDENTITY THEFT ( A ) BLOCK

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, there was a checked that I mobile deposited in the amount of {$4000.00} from a customer who paid for work rendered. The bank stated the money wasn't debited into my account and send out a letter to confirm that. The customer later stated she had paid us in full and that the check had came back for insufficient funds but Wells Fargo debited the check again in which it went through, but Wells Fargo stated in the letter it didn't. Later a lawsuit was filed and mediation was done, but we couldn't come up with a resolution on the case so had to go to court for trial. The XXXX decided because we're goin to trial she wants {$9500.00} for lawyer fees and lawsuit. As trial was going on the judge noticed the check wasn't endorsed and asked if we can talk to our bank about the check being mobile deposited without endorsement. The XXXX in the case agreed to settle out for {$4900.00} seeing that it was a error on the bank. Wells Fargo is denying they made a mistake and refuse to pay out for misleading information provided.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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