BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wells Fargo contacted me via mail on XX/XX/XXXX, concerning a settlement payment for my checking account, which I closed in XXXX, The settlement was for their illegal actions which they were found guilty of years ago. ( Reference number XXXX ) I called the Product Remediation Department as directed and was told my check would be sent within 20 days. As of today, XX/XX/XXXX, there is no check. When I call them back to ask about the delivery of the check, I have been told that it wasn't processed due to computer errors. The next excuse was holidays. After that, I was told to wait until 30 days. When that time frame came and went it became 45 days. 

Now I'm told that they have over 2 million checks to process and nobody knows when the checks will be mailed. 

At this point I thought I was being scammed. My next move was to call the Wells Fargo customer service number. After this I was told that it is not a scam and I was allowed to file a complaint with Wells Fargo. We are now past 2 months and there are no checks coming at all. I have come to believe they never will. 

I think WF is giving lip service to the courts and doing very little, simply to appear to be working on the problem while they wait out the clock on a court order. What, if anything, can be done to get these checks out of WF? I can hear the conversations in the background when I call. I know I'm not the only person enquiring about my payments.

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 2023-12-01
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am an authorized user on my husbands account. A s Ive already filed a complaint before that I disputed the address on the accounts not the accounts they remove my accounts and once fixed and was able to open the accounts back up My credit still not showing the cards being reported as Ive spoke to XXXX XXXXXXXX and they advised me that the cards are being reported and I know they are because I look and they reported on my childrens and husbands credit just not mines. I called and complained the the credit bureaus and they still will not report accurate information and causing my credit score to be lower than it actually is.

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 2023-12-01
Company: Experian Information Solutions Inc.
State: CA
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 previously submitted a letter to the XXXX XXXX requesting the removal of certain inquiries, inaccurate names and inaccurate addresses from my credit file. Despite this, the inquiries, inaccurate names and inaccurate addresses detailed below persist on my credit report, thereby violating Federal Law. TheTransUnion bureauhas failed to adhere to the stipulations outlined in the Fair Credit Reporting Act, specifically under 15 USC sections 1681i, within the designated time frame. The continued reporting of unconfirmed information is not in compliance with the regulations. I urge XXXX to promptly remove these inquiries entirely from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-01
Company: Experian Information Solutions Inc.
State: AZ
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:
Im concerned as an unknown inquiry was made in my consumer report. Im not liable nor do I recognize the inquiry. Informative research ( XX/XX/XXXX ) please delete immediately

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 2023-12-01
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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-01
Company: Experian Information Solutions Inc.
State: TX
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 am writing to express my dissatisfaction and frustration regarding the multiple unsuccessful attempts to correct the late opening of my account with Credit Bureau. My account was expected to be opened, but despite my persistent efforts to rectify the situation, it remains unresolved.

Initial attempt to open the account was made, but I encountered an issue with the process.

Numerous calls were made to customer service, each time receiving assurances that the matter was being escalated and would be resolved urgently.

Despite these efforts, the late opening of my account has caused inconvenience and frustration. I have patiently cooperated with your representatives, but the lack of resolution is unacceptable.

I understand that errors can occur, but the repeated assurances without tangible results are disappointing. As a customer, I expect a higher level of service and a timely resolution to such matters.

I kindly request the following actions : Immediate investigation into the root cause of the issue.

Transparent communication regarding the steps being taken to resolve the problem.

Assurance that this issue will not affect my account 's functionality or standing once it is resolved. 
Compensation for the inconvenience caused during this period. I appreciate your prompt attention to this matter and expect a resolution within the exact timeframe from the date of this letter. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX XXXX Balance : {$4500.00}.

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 2024-01-23
Company: Army and Air Force Exchange Service
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
army and air force military STAR card, a US government credit card, refuses to accurately and timely report my proper on time payments to the credit bureaus, especially XXXX. this is a violation of the law and FCRA. I have made massive payments on my military STAR card through army and air force exchange service and you are screwing my credit report and score because of your neglect and incompetence, and keeping my score so artificially low I cant obtain an apartment or a credit card or a mortgage. STOP THIS IMMEDIATELY ( NOT THIRTY DAYS FROM NOW ) and immediately report my proper amounts payments and balances to all three credit bureaus especially XXXX. AAFES STAR CARD hasn't reported my on time payments and lower balance to XXXX credit bureau since 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 2023-12-05
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
My SAVE program application has been in process since XXXX. After an administrative forebearance my loan application status has not changed. I applied for forebearance on XXXX to take effect on XXXX. That application has not been processed either. Ive sent two messages asking what a reasonable timeline for each would be and have had no response. Ive since been making payments at the higher payment amount. My wife uses XXXX and her SAVE program application was approved in two days. Our household income is the same. I dont understand why itd take a different servicer over two months to process an application for the same household.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-30
Company: TransferWise Ltd
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wise got deactivated last month I have my funds in them but they didnt give me my funds back. I appealed them but they didnt give any satisfactory response. and said they wont give me my funds.

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 2024-01-17
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Best Buy card services sent a late payment to credit report companies XXXX, XXXX and XXXX on a purchase I did not authorize. It was a purchase made in Minnesota and I live in Texas. The scheduled amount was {$67.00} max reported on XX/XX/. This is causing an unnecessary low FICO mortgage score. The credit card last four digits are 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 monetary relief
Consumer complaint received 2023-11-15
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account without giving any reason or rationale. There was no response after reaching out to PayPal to explain or to appeal the closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am writing to complain about CITIBANK, NA, who violated my privacy by providing my private information to a third-party debt collection agency. I am a consumer who has a credit card account with CITIBANK, NA. I received letters from a third-party debt collection agency, XXXX XXXX XXXX XXXX attempting to collect on a debt. I was surprised. I wrote to the debt collector and asked them to prove I owe them. They sent me private information and they obtained this from CITIBANK, NA. 

I am very concerned that CITIBANK, NA provided my private information to a third party without my consent. This is a violation of my privacy rights and the Fair Credit Reporting Act ( FCRA ). The FCRA prohibits credit reporting agencies from sharing consumer reports with third parties without the consumer 's consent. 

In addition to violating the FCRA, XXXXXXXX XXXX XXXX may have also violated the Gramm-Leach-Bliley Act ( GLBA ). The GLBA requires financial institutions to protect the privacy of their customers ' financial information. XXXXXXXX XXXX XXXX XXXXs disclosure of my private information to a third party without my consent may be a violation of GLBA.

I am requesting that the CFPB investigate this matter and take appropriate action against CITIBANK NA. I am also requesting that the CFPB provide me with information about how to protect my privacy rights in the future. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX Laws that CITIBANK, NA violated : Fair Credit Reporting Act ( FCRA ) Gramm-Leach-Bliley Act ( GLBA )

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 2023-12-05
Company: MOHELA
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23
Company: Carter-Young, Inc.
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After I left XXXX  and moved to XXXX, XXXX XXXX XXXX  ( a property management company ) charged me {$1500.00} for damages to a unit. The XXXXXXXX XXXX XXXX company kept my deposit and my roommates ( {$600.00} each ), additionally charged her hundreds of dollars, and then charged me XXXX. As a new teacher in a new state ( XXXX  ) I had no way of fighting this. The debt went to XXXX and has been negatively affecting me for three years. I am actively improving my credit but refuse to pay this exorbitant, baseless, price gouging. XXXX has refused to re-send me information related to this debt twice. I have tried to dispute the debt several times. In my opinion they owe me for the years of negative impact on my credit. The agent I spoke with, XXXX XXXX, refused to send any information on the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I only owed {$290.00} on my XXXX, XXXX and XX/XX/XXXX statements. I paid {$290.00} on XX/XX/XXXX. I also paid {$290.00} on XX/XX/XXXX. Because that payment was rejected by Synchrony I made an additional payment of {$290.00}, thinking the {$290.00} payment wasn't received per their reps on in the call center. So one of my payments did get declined by my bank because I the first payment of {$290.00} did in fact go through. That is when I called in and I requested the closure of my account. After that balance was paid I made no further payments bc the limit on the card had been paid in full. 
No paper check was issued to me, if you disagree please provide photo proof of the paper check that was provided. Starting In XX/XX/XXXX Synchrony started adding late fees to the {$290.00} that they are saying they didn't get but I have proof from my bank statements showing I did in fact pay them {$290.00}. 
I would like to clarify that my account with Amazon Store Card was not closed due to " dishonored payments, '' as stated in your response. I initiated the closure of this account on XX/XX/XXXX, due to repeated issues with payment rejections and the imposition of late fees. This closure was an action I took to mitigate further financial complications caused by the account. 

Furthermore, the assertion that I did not honor payments is not accurate. I did make payments to the best of my ability, but your bank repeatedly rejected them and applied late fees. I have maintained documentation of these rejected payments, and if necessary, I can provide proof to support my claims. In your response, you referred to a clause in your terms and conditions related to credit reporting. However, you did not provide any evidence that this clause indeed exists on your company 's website. In the interest of transparency and compliance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you provide verifiable documentation of this clause. 

Moreover, I would like to address your statement regarding the reporting of late payments. While you maintain that you have accurately reported my account history, I must emphasize that the inaccuracies in reporting have persisted. My original dispute stems from late payments being inaccurately reported for several months. I have consistently challenged this inaccurate reporting with supporting evidence and have sought resolution through multiple channels.

As per the FCRA, specifically 15 U.S.C. 1681 section 602, consumers have the right to dispute and seek corrections for any inaccurate information on their credit reports. In accordance with my rights under the FCRA, I urge you to conduct a thorough investigation into the reporting inaccuracies on my Amazon Store Card account.

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