BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-24
Company: WELLS FARGO & COMPANY
State: AK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX XXXX XXXX on.. 

On XX/XX/23 I went into XXXX XXXX XXXX XXXX XXXX and got pre approved on a XXXX  XXXX. When the loan XXXX printed my report- Wells Fargo XXXX card showed up on the derogatory report. XXXX is XXXX, & XXXX XXXX XX/XX/23. When I asked the bank to remove incorrect report, I got passed around to many different numbers and people with no help. I went into the bank and spoke with Bank XXXX in XXXX- she filed a report for a supervisor to call me. I was told the card was not on my name -the bank has copies of death certificate and everything was dealt with. If my name is not on the account- why is it on my report? Why is it on ANY report of its XXXX XXXX and not delinquent? 

I called the number on the back of the card. Its not the right number. I called the number on the back of credit report for Wells Fargo XXXX XXXX. That number is incorrect. I got put on hold on all instances and probably over XXXX XXXX on the phone. 

Please see 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
Consumer complaint received 2024-01-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I used my earned rewards points to redeem for three XXXX XXXX XXXX. Two of the three cards did work the third card ( valued at {$100.00} ) said the code was not valid. I called XXXX first and their response was this code was never in their system, they checked the other two codes and they both did work. I called CitiBank to have the third code fixed and they said absolutely we will send you a new one. I waited 15 days and did not receive anything so I called back they told me that the issue was under investigation and to call back on the XXXX. I called back today the XXXX of XXXX and after talking to multiple representatives was told they could not refund my point balance enough to be able to redeem for a replacement gift card. I was told I could ask again in 6 months.

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 2024-01-22
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made a purchase based on a low APR offer that was advertised on XXXX. The advertisement did not state must be activated prior to purchase, now that I activated it less than a week after ( XXXX ), theyre refusing to honor it and have been charging me the wrong interest since XXXX of XXXX. Not XXXX advertisement states in terms that this is the case. Their supervisor XXXX ( account supervisor ) was extremely unprofessional handling this and then claimed he could not get his supervisor since he was unwilling to do anything. He tried to lie regarding this which is shown below in special interest rate advertisements not XXXX shows what theyre indicating which is bait and switch.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute the inaccurate information regarding late payments on my credit report. After a recent review of my credit history, I discovered discrepancies that do not accurately reflect my payment behavior. Specifically, the late payment information associated with the following account : XXXX XXXX XXXX -- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX -- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have always been a responsible and diligent payer, and any instances of delayed payments have been promptly settled upon discovery. It is disheartening to see that my credit report is currently reflecting late payment information that is not representative of my true creditworthiness. 
I kindly request a thorough investigation into the accuracy of the late payment information associated with the mentioned account. I believe that there XXXX have been an error in reporting, and I am confident that a closer examination will reveal my consistent track record of timely 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 2024-01-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off my Wells Fargo account back in XX/XX/XXXX. The rep on the phone said there will be no more charges to the account. XXXX weeks ago I ran my credit because I am in the process of refinancing a home. When I ran the report I saw that my score dropped tremendously. So I did some research and found out that Wells Fargo put a 30 day and 60 day late payment on my account from the past XXXX and XXXX. They said I owed them {$22.00} in interest. How can you charge interest on a paid off account? I contacted the bank to ask about the {$22.00} and the late payments and it turns out that they've refunded the {$22.00} before I ever contacted. However after a dispute, they are not willing to remove the late payments on my credit report. At any rate, this is now affecting my refinance and my livelihood. This is a predatory move by this bank and if something isn't done about this I will be seeking an attorney as they are violating my consumer rights as well as 15 usc 1666 b and if it doesn't get fixed I will report them to the ftc, attn general and cfpb in addition to this XXXX reporting. 

I am sekking 100 % Payment History because this is hindering my ability to obtain a mortgage.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: TN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX : {$190.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$0.00}

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 2024-01-22
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I received an unemployment check because the Region communicated that my account was closed in error. The state of Texas issued a paper in which I deposit and request immediately available with a fee. Region waived the fee and made a deposit and removed XXXX of XXXX fees. The next morning the back office put on another 9 days hold even though the state of Texas was on phone informed them that issue a paper because of bank communication of closed account. Now that fund are not available my phone and electrical was disconnected. I have now is subject to to XXXX in fee because of a Region Bank error. They have not been deposit unemployment timely even when I have trace number to prove that deposit should be in my account. Since I have been displaced federal employees, I have been continue to get fee in error. They apply fee then release deposit/credit.

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 2024-02-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
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:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  ( Original XXXX XXXX XXXX  ) : Account number : XXXX, I was a victim of identity theft. 
XXXX XXXX  ( Original XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) : Account number : XXXX, I was a victim of identity theft.

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 2024-01-22
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations. I, the consumer may have given you written, unwritten, verbal, and non-verbal per 15 use 6802. negligence in removing this account will be result in a civil lawsuit for federal violations.

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 2023-12-06
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:
I have settled my debt for a collection account. Per the terms of the settlement the collection account is to be removed from my credit profile. XXXX and XXXX has removed the account. I have disputed the collection account with Experian but they refuse to remove the account. I provided documentation that the account has been settled and should be removed.

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 2024-01-26
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
I have been trying to resolve a matter with Citibank Visa, since XX/XX/XXXX. A refund yo XXXX XXXX XXXX XXXX in the amount of {$980.00}, from Citibank was due in XXXX of XXXX. I was told by Citibank that it was done. XXXX XXXX has not received as of today, XX/XX/XXXX. I had to pay the refund in XXXX of XXXX to XXXX XXXX  I needed to renew my license and couldnt with an outstanding balance. Citibank has given me numerous transaction numbers and XXXX numbers to provide to XXXX XXXX to prove they refunded the money. They have all proved to be bogus numbers. I have spent countless hours on the phone with Citibank in the last 7 months. I have spoke with the recovery team supervisors many times, only told it was being reviewed to find out why XXXX XXXX hasnt received the refund. I have been promised phone calls with updates. No one ever calls. The last supervisor I spoke to on XX/XX/XXXX, told me I would receive an update on XX/XX/XXXX and XX/XX/XXXX. at the latest. I had to call today because no one called me back. She told me she was unexpectedly out of the office. She was sending another email to XXXX, the supervisor team member handling my case. When asked when I would receive an update, she told me XXXX was out of the office and didnt know when she would return. 
Citibank isnt disputing a refund is due. They are saying it was sent and they dont know why XXXX XXXX  hasnt received it. They will not let me speak to review team or give me an email to contact XXXX, investigating my claim. 
So 7 months later, I am still out {$980.00}. I am a good customer of Citibank. Always pay my bill and have excellent credit. I appreciate any help you can provide.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: NJ
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:
Good day! I am asking requesting for your assistance help regarding with this wrong information on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and delete the disputed items below. 

XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XXXX XXXX XXXX Account Number : 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 2023-12-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX Balance : {$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
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: AZ
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-02-05
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have four accounts that are unlawfully added to my credit report I've tried to contact XXXX XXXX and XXXX for over 2 years and they have not removed these accounts even with proof that I was not liable for these accounts. 42 USC 408, 15 USC 1681 states that I have the right to privacy and any loan and or credit card company that asks for a social security number is commiting fraud. Violation of RICO

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 2023-12-06
Company: Experian Information Solutions Inc.
State: TN
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$5400.00}

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 2024-01-31
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo sent me a letter dated XX/XX/XXXX that after reviewing my former accounts, their records indicated that unbeknownst to me was enrolled in an identify theft protection- XXXX XXXX from XXXX. I had 60 days from the date of the letter to contact them, which I did on XX/XX/XXXX. The rep I spoke with said they will cut me restitution check iao {$1400.00} and will be issues in 20-30 days. I contacted them again on XX/XX/XXXX to check the status- they said it was still in processing. I then called a third time XX/XX/XXXX to see the status of the check- again still in processing and said it will be issued in 20-30 days. Same response I received the last two calls. 

Where is my check? Is this a scam? I know other people have received their checks but what is the hold up here. I was taken advantage of by Wells Fargo with having this unauthorized monthly fee on my account ( mind you I also worked for WF during this time so I feel like I was really taken advantage of by my employer ) and done everything on my end to resolve this issue. Come on Wells Fargo DO BETTER and set better expectations on this!!! 

I am also requesting more than the {$1400.00} due to not only this taking longer to get resolved but I was taken advantage as a client and employee. Plus it was on my account for almost 5 years. I would expect it to be more than a {$1400.00} restitution. Thank you.

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 2024-01-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
COMPANY WAS EXCESSIVE WITH ITS OVERDRAFT FEES AND CLOSED MY ACCOUNT UNEXPECTILY.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: DE
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:
After multiple attempts of contacting Experian via mail, Iam asking for the CFPB assistance. There is a loan appearing under my credit report that is fraudulent and was never opened by me. Details of the Mortgage loan show XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$11000.00} which has been charged off. The reported balance is {$0.00}. The inclusion of these items has profoundly impacted my life, causing significant stress It is crucial to reiterate that I did not authorize or consent to the association of this information with my name for I have fallen victim to identity theft. Attached to this Document you will see My IDENTITY THEFT REPORT WHICH IS RELATED to this Identity theft.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed in attached document

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