BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My husband and I do all our banking with Wells Fargo Bank ( usually at store # XXXX ). We opened up XXXX different savings accounts, XXXX checking account, and a Platinum Debit Card attached only to our checking account. However, XX/XX/2015 a Wells Fargo employee opened up an unauthorized ATM card in my name ( XXXX XXXX ), and later in XX/XX/2015 another unauthorized ATM card was opened up in my husbands name ( XXXX XXXX XXXX ). Both ATM card accounts were linked to all of our savings and checking accounts without our knowledge or consent. These unauthorized ATM cards were never mailed to us, no notification was ever given, and until just recently we had no knowledge that they existed. We only found out because last month Wells Fargo mailed us renewal ATM cards and we were surprised to receive renewal cards for original cards we never knew existed. We contacted the bank and expressed our concern and complaints, and they did their best to answer our questions, but they could not explain why these accounts were opened. They only suggested the possibility that an employee opened them perhaps to meet some quota, considering at that time in 2015 Wells Fargo had a known issue with fake accounts opened in customer names. After inquiring with the bank and researching we noted the names of the employees who we met and spoke with regularly regarding our savings, checking, and debit card accounts : XXXX XXXX ( officer # XXXX ) and XXXX XXXX ( officer # XXXX ). When we went to discuss these matters with the bank we spoke with XXXX XXXX XXXX, and later on the phone with the manager XXXX XXXX. They could not answer our questions and referred us to a special branch of the bank which deals with matters such as ours ( Resolution Team ). The Resolution Team had a representative named XXXX contact us ( reference # XXXX ), and he has been trying to resolve the matter but as of yet there is no explanation as to how or why these ATM card accounts ( linked to all of our savings and checking accounts ) were opened in our name without our knowledge or consent. They mentioned the possibility of small monetary compensation for our troubles, but this is not sufficient for us. We are very concerned about our finances. This is our life savings and we need to know that our money is safe and that bank employees are not opening up accounts without our knowledge. We find this matter to be a grave injustice concerning customers at Wells Fargo, and we worry that this might happen again.

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 2019-11-19
Company: Experian Information Solutions Inc.
State: TN
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:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Experian Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my Experian credit report. My latest credit report shows 17 credit inquiries that I did not authorize.

I writing to dispute the following inquiries and asking for their removal from my credit report.

The inquires and their dates in question are below. 

XXXX XXXX XXXX XX/XX/2019 EXPERIAN XXXX XXXX  XX/XX/2019 XXXX CARD XX/XX/2019 XXXX  XXXX XXXX XX/XX/2019 XXXX  XXXX XXXX  XXXX  XX/XX/2019 XXXX XX/XX/2019 XXXX CARD XX/XX/2019 XXXX  XXXX XXXX  XXXX  XX/XX/2019 EXPERIAN XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX  XXXX XXXX  XX/XX/2019 XXXX  XXXX XXXX XX/XX/2019 FXXXX XXXX/XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XXXX  XX/XX/2019 XXXX  XXXX XXXX   XX/XX/2019 Also my ID, SSN Card, and Proof Of Address is attached to this letter. Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, 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 2023-10-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Date opened XX/XX/XXXX Status Account charged off. {$890.00} written off. {$190.00} past due as of XX/XX/XXXX. 
Original balance {$26000.00}

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 2021-03-29
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Due to an error with autopay which I was not notified about, payments were not processed on this account. I had previously spoken with a customer service representative via the telephone that assured all Synchrony Bank accounts did have an active autopayment setup for the minimum balance. 

Through a previous CFPB complaint and numerous calls to the company, all late fees have been refunded. The previous complaint was closed with a contact information for a representative at the bank. I have not been able to reach this person after multiple phone calls and left voice messages. 

The 30-day late payment that was reported on this account should be updated to reflect an one-time payment as would have been the case should the autopay have been instated as I was notified from the bank. 

I never received any kind of notice with the statement or any email until the account was reported to the credit bureau. Should XXXX had contacted me, I would have worked with the representative to fix the autopay that they told me was already in place.

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 2021-01-05
Company: EQUIFAX, INC.
State: OK
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:
XX/XX/XXXX EQUIFAX WAS FRAUDULENTLY REPORTING A CH XXXX BANKRUPTCY ON MY PERSONAL CREDIT FILE. 
I IMMEDIATELY CONTACTED THEM FOR DELETION AS THIS IS THE RESULT OF IDENTITY THEFT. 
THE BK WAS REMOVED AND I HAVE CONFIRMATION, TODAY XX/XX/XXXX I RECEIVED AN ALERT THAT EQUIFAX HAD PLACED THE BANKRUPTCY AGAIN ON MY PERSONAL CREDIT FILE. 

I SPOKE WITH XXXX IN OFFICE OF CONsumer AFFAIRS with EQUIFAX AT APPROX XXXX ; XXXX XXXX  XXXX XXXX, XXXX AND SHE GAVE A CONFIRMATION NO OF XXXX to the permanent removal and blocking of this account for the 2nd time. caseno XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I sent a complain today to request that the account XXXX XXXX {$0.00} which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. This account was paid as agreed and past due is XXXX but still reporting 30 days late. 
The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ).

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 2023-10-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Experian and XXXX Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Experian and XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-26
Company: EQUIFAX, INC.
State: IL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05
Company: EQUIFAX, 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 have a charge off reported on my Equifax and XXXX  credit report with the company XXXX XXXX XXXX. This company charged off a car loan I had in XXXX. The car went to a repo lot where XXXX said I could pay fess, pick up the car and continue making payments. I did that because I needed a vehicle. Well in XXXX, I was late paying and the car was picked up and sold. I thought my payments were being reported, but the credit bureaus were only reporting charge off. 
This company is in litigation and is a deceptive lender. 
I disputed my credit report and requested a deletion of this account based on wtong payment history, balances. terms. date of last activity. 
XXXX  and Equifax both validate information somehow and nothing changes. I do not even get a written reply from either credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: IL
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:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2021-09-21
Company: TD BANK US HOLDING COMPANY
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, I made a purchase on Target.com on XX/XX/2021 online and immediately called in to Target to cancel the order. I was told by Target that they were cancelling the order and the item would not be shipped and I would not be billed. The item was never shipped, as requested, but I still got billed for the item. The order information is as follows : Transaction Date : XX/XX/2021 Merchant : TARGET PLUS City/St : XXXX, Category : Household Transaction Type : Regular Sales Draft Original Amount : {$510.00} Merchant Description : Discount Stores Merchant ID : XXXX I've called several times about this and have gotten the run around over and over again, and have been told every time that I would be receiving a refund, plus any interest would be credited back to my account. I have called and contacted Target at least 7 times since XXXX and I still have not received my refund. I called on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021 about this issue and still have not received a resolution to this matter. Every time I call Target tells me they will help me, but then transfers me to another department stating that the other department is required to be the ones to help me with the charge and the interest. This goes on through several departments and then finally someone says they will get this resolved and I will be refunded within 3-5 business days. This has been going on for a few months now, so it's past 3-5 business days. I just want my money back and to not be paying for interest on something I never completed a purchase on or ever received as it was never shipped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Hello I submitted a claim wit JPMorgan Chase Bank for the amount of XXXX XXXX 

The morning of XX/XX/2022 I go to the Chase atm to withdraw XXXX $ but the atm didnt dispense my money. The atm printed a receipt saying error and to call customer service. Then I immediately call the number on the receipt to let them know what happened and they told me they will look into it. About 13 days goes by and on XX/XX/XXXX they credit my account the XXXX XXXX Thinking the claim was resolved they reverse the claim and sends my account XXXX $ on XX/XX/XXXX. Immediately I call the claims department for them to look into it and they told I cant reopen my claim and that once a decision has been reached there is nothing anybody can do. I am currently overdrawn XXXX $ and tried to contact Chase 4 times because of this matter just to be told there is nothing we can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: NY
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:
I reported this problem back in XXXX over 60 days to XX/XX/XXXX and Experian and still have not received a response back yet. The problem I am having is on my XX/XX/XXXX and Experian credit report there are late payments listed on my XXXX XXXX account from XX/XX/2019. On my XX/XX/XXXX report for my XXXX XXXX account for XX/XX/2019 the payment status is marked current. The information does not match on my 3 credit reports which they must match to maintain accuracy, XX/XX/XXXX is the correct account that shows accurate information. I would like to update XX/XX/XXXX and Experian to match my XX/XX/XXXX payment history from XX/XX/2019 on my XXXX XXXX account. I attached a copy of my credit report with the incorrect information highlighted as well as the correct information highlighted. According to section 609 of the Fair Credit Reporting Act it is a federal law that credit reporting agencies report accurate information that matches with each bureau. It is also that law to respond back within 30 days. Both of these laws were broken so I demand that you fix the payment information from XX/XX/2019 on my XXXX XXXX account to current to match 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 2021-09-21
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AWA COLLECTIONS XXXX XXXX XXXX, XXXX, CA XXXX AWA has reported a delinquent account to all major credit reporting agencies ; I have no knowledge of this dept. or of who AWA Collections is, I have attempted to obtain information about reported dept. from AWA to no avail. The reported collections amount is {$4100.00}. I feel this is totally unacceptable and may be the victim of identity theft. I need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Never received eip card or economic impact payment after they told me it was sent ...

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 2022-10-09
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Habitat for Humanity, I am requesting a MORTGAGE STATEMENT listing the following : 1. Default amount and months in default 2. Fees accessed to mortgage account.

3. Balance of any associated secondary mortgage account 4. Escrow account ending balance as of XX/XX/2022. You only give what has been paid not the ending balance after last payment in account. 
5. Defaulted Escrow 6. Any other associated mortgage/escrow costs that are outstanding. 

I have been receiving DEFAULT notices since the closing of the most recent CFPB complaint XX/XX/2022. I understand your email XX/XX/2022 a complete review of my mortgage had been through its initial review and need two more strategies of review. But because I did not confirm the mandatory in person meeting to correct and address the accounting errors ( I have brought to your attention ) at your office this courteous review was revoked. 

I have requested after XX/XX/2022, an itemized statement but have been ignored. I understand your last notice dated XX/XX/2022 that I am still responsible for full mortgage and escrow payment even if payment has not been submitted for Homeowners insurance with loss of coverage while payments are made. I understand that ( 2 ) payments were made separately from mortgage payments to not lose coverage by myself. I understand that XXXXXXXX XXXX XXXXXXXX received payment and applied payment XX/XX/2022. I was contacted XX/XX/2022. 

I also understand with your correspondence that I will now have an annual audit not by my closing date, but your re-evaluation date. Please provide that date your gave the reevaluation for accuracy and my records. 

I am making every effort to bring my account current to your records and standing but you are making it impossible with non-transparency. Since this written communication is the only effective communication you will legally adhere to, I have been forced to again make a 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 2019-11-26
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The below complaint was filed yesterday, replied to today. However, I am unable to view their response, the link does not work. The CFPB rep stated she could not mail or email me a copy of it, I have copied the complaint below which I updated.. 

Wells Fargo rep by the name of XXXX claims to have made numerous attempts at resolution to complaints filed prior, I believe this to be false. The reasons are as follows .... They have denied my request for resolution which includes a refund of overdraft and other fees charged to accounts opened as a result of high pressure sales tactics to boost company profits by Wells Fargo reps. The refund amount, {$610.00}, was requested both in prior CFPB complaints and mediation requests. A total of five mediation packets were filled out, mailed in to Wells Fargo claims reps. A rep by the name of XXXX XXXX reached out, we spoke over the phone, a settlement amount of {$3700.00} was offered and never received. Additional complains were then filed with CFPB pertaining to this issue and issue of overdraft fee ( s ) refund, {$610.00} was requested again. It was denied, stating a check was sent and supposedly cashed which was never received. I did not receive any such check. XXXX XXXX would not provide settlement offer in writing, which I believe is shady and the reason for it is so Wells Fargo can deny they made such offer and not honor it. That being said I believe Wells Fargo is overall a very shady institution and should be investigated by CFPB. As for this matter, failing to honor settlement offer, a refund check in amount of {$610.00} will resolve this. The total of fees charged to accounts mentioned prior, opened as a result of high pressure sales tactics, is {$870.00}. I reasonably deducted prior refund amounts from this resulting in a total of {$610.00} which I request as resolution. I also request a copy of any cashed check Wells Fargo refers to in amount of {$3700.00}.

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