BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: WELLS FARGO & COMPANY
State: NV
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 has allowed my bank account to be tampered with by way of address changes and movement between XXXX bank accounts to include XXXX wire transfers totaling {$44000.00}, all in the matter of hours. They are stating that I am at fault when they can not show proof by the voice recording or any proven identification that I allowed these transactions. I have been disputing this since XX/XX/XXXX and they did not open a claim until XX/XX/XXXX. The fraud representative has accused me verbally of causing this fraud and was verbally abusive. The correspondences received from the dispute prove that Wells Fargo is not taking this matter seriously and they are continuing to base their findings on XXXX day and not the several in question. Wells Fargo charged my account XXXX for {$7000.00} following this incident and sent a check for {$1000.00} for pain and suffering after they admitted they were wrong. They then charged my bank account off while in the dispute, causing my business credit to drop immediately. The next XXXX days following they lowered my business credit card limits that I have had for over XXXX years stating my credit was at risk. The credit is at risk because of their negligence to take responsibility for allowing cash advances, transfers and wires that I did not authorize, nor were they verified. The XXXX office continues to not address the facts of this dispute. I have been a customer for over XXXX years and never requested a cash advance or a wire transfer. I have had to pay Wells Fargo {$7000.00}, plus all fraudulent cash advances and withdrawals just to keep my credit that was in good standing from dropping further than the XXXX points it dropped because of this. Not to mention that XXXX days before the fraud, I personally tried to transfer my money to another bank online and was sent a message that the amount was too much and I had to come in the branch, only to see that XXXX days later Wells Fargo allowed someone to move money and wire {$44000.00} with ease.

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 2022-02-18
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello my name is XXXX XXXX XXXX. Your company has not responded to my previous written communication that was sent via certified mail and received by you on XXXX XXXX. I have attached that communication to this complaint. Please respond accordingly. 

Accounts should appear on my consumer report with my written permission and no other. 

In addition, while an account is under dispute it should be DELETED from my report until the dispute is resolved. 

Please respond directly to my attached letter or I will seek monetary compensation in the form of {$1000.00} per violation.

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 2023-02-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I submitted a dispute to experian twice requesting that they change the status of my XXXX XXXX  account due to the fact that I received a loan payment extension for the two months that show past due which are XX/XX/XXXX and XX/XX/XXXX. I received a dispute update on XX/XX/XXXX that showed that experian did not contact XXXX to verify the information and the status of the account. I also contacted XXXX about the issue and was told to dispute the information with credit bureau. I submitted the proof of payment extension to experian for them to update my account but they refuse to do it. 

All I want is for the XXXX XXXX  account to be updated to show that there are no late payments and the account is current as of now.

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 2021-08-18
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I didn't receive the XXXX bonus poin ts from Hilton promotional offer ( Amex Hilton Credit Card ). I met the spending requirements ( Spend $ 1k in 2 months ) on the first month of receiving the credit card. After calling Hilton, the operator stated I wasn't eligible for the promotional offer because I had a Hilton credit card before , which is not true. The operator then couldn't give an answer ( After talking to his supervisor ). 

I opened this account around the end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX responded saying the XXXX 's XXXX them this was an fraudulent account. They never contacted me to verify anything, but continued to take my payments until the account was paid off and sent me the title for the car. if they believe this to be a fraudulent account why not close the account but still took payments and sent me the title to the the account. XXXX has also financed me for a new loan with the same information for the previous loan that they are refusing to report. This has caused me to be denied credit and or have to pay a higher down payment with a higher interest rate. I am aking you to step in and have them report this correctly.

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 2022-03-28
Company: EQUIFAX, INC.
State: CA
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 convergent account number XXXX has violated my rights and it has code 15USC1681 Section 602A, states I have the right to privacy. 15USC1681 section 604A Section 2, also states a consumer reporting agency can not furnish a accounts without my written instructions. 
Acct # XXXX XXXX XXXX XXXX openXXXX  chg off/closed XX/XX/XXXX shows activity XXXX  XX/XX/XXXX shows XXXX XXXX  XXXX co/co/co shows a pmt of XXXX on XX/XX/XXXX XXXX On XXXX shows different date closed XX/XX/XXXX. Amt owed XXXX this is not my acct. The same acct also shows as a XXXX XXXX XXXX XXXX # XXXX status date XX/XX/XXXX owe XXXX. This is incorrect information and a violation fo the law. This is not my acct. please remove from my file. XXXX # XXXX open XX/XX/XXXX chg off/closed last pmt. XX/XX/XXXX closed XX/XX/XXXX chg off/closed Owe XXXX this is not my acct. XXXX # XXXX Open XX/XX/XXXX XXXX off/closed last pmt. XXXX XX/XX/XXXX pmts. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX of XXXX and closed XX/XX/XXXX this is illegal these dates are bogus. XXXX # XXXX shows XXXX XXXX XXXX open XX/XX/XXXX not my acct. Inquiry XX/XX/XXXX XXXX not mine I did not authorize this. Please remove these incorrect items from my file. It's causing harm to my credit life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Frost-Arnett Company
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving letters from Frost Arnett about a debt I dont owe. The latest one was on XX/XX/XXXX after several attempts before that. I did send a letter indicated that the information of my debt is invalid and also called the company ( Frost-Arnett ) to explain that i never received any service from their client ( XXXX XXXX XXXX ) so that is impossible for me to owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have spoke with several different Equifax employees on XX/XX/XXXX, XXXX for two hours each time on the phone regarding why is my credit score not showing a credit score and no update since XX/XX/XXXX. Then on XX/XX/XXXX I receive a email from Equifax stating that I can review my credit report and score. I contact the lender to see if I was able to be pre-approve. The lender sent me a email saying he has never seen this before there is nothing showing up. But the other two creditors are reporting my scores. So I called back again and was on hold for 30min to see if the problem can be fixed. The representative stated that its nothing he can do and hung up in my face. Equifax is holding me up from getting my pre-approval and I missed out on several home that I no I could have qualify for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Maximus Education, LLC dba Aidvantage
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I filed bankruptcy 2018 was told could not include student debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Factor Trust
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:
Dear Consumer Reporting Agency, I am writing to inform you that I recently received my credit report and found inaccurate information on it. I believe that this violates the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 and 15 USC 1681b.

According to 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish a consumer report based on the written instructions of the consumer. As I did not provide written instructions to include the accounts listed below on my report, they should be removed. REMOVE TRANSACTION HISTORY this is not a dispute, it is written instruction. please update immediately. if there is consumer debt for XXXX XXXX XXXX, please send 1099c, it is illegaly to charge off an account and report monthly payments 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 Furthermore, as a consumer, I demand that the utilization for the above accounts be updated to 5 % or below, or alternatively, that all utilization information be deleted due to inconsistencies across the board. I would appreciate a copy of my updated consumer report once the changes have been made. 

Please be aware that if you fail to respond satisfactorily and remove the negative account information, I may take legal action against your company for FCRA violations, which includes civil liability and financial penalties.

Please note that due to my current physical situation, which is the result of a prolonged XXXX sickness, I am unable to communicate by phone. Therefore, I request that we handle this matter electronically and through email. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a promotional card through XXXX XXXX XXXX  XXXX Genesis Finance - I already have a credit card with them and after the application, they requested information to be mailed to the company for verification purposes. The requested info was license and social security card and it appears to be to the address for Genesis. However, I just received a decline letter indicating they are unable to verify my social security number. This information was mailed and per the representative, she indicated they received the info and made a decision based on this info. She indicated the people in the application division were unable to speak directly to consumers. This process seems suspicious because I am an existing customer and provided the same info on the other application. I have never had a card service request ID and social evidence and when it is provided the decline was because they couldn't verify. I check my credit profile regularly and there is only one number listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: WELLS FARGO & COMPANY
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Below is a copy of an email sent to nearly 40 email addresses of executives, various departments, and authorities in the hopes to escalate resolution to the issue I am facing ; that is, a check from my employer being withheld/and or refusal to verify my employers account that is with XXXX XXXX XXXXXXXX XXXX XXXX For the record, I bank with Wells Fargo ; the check is from XXXX XXXX XXXX XXXX  Wells Fargo has assured me that XXXX refused payment/ would not verify my employers account and send funds made to me by their check, the morning after I deposited it. Below is a quote of the email I sent, and attached is the check itself, and my state DL as well as XXXX XXXXXXXX Badge. Hello, my name is XXXX XXXX and I am a new XXXX employee. I deposited a check via mobile deposit into my Wells Fargo account yesterday afternoon that was issued to me from my employer, XXXX XXXX XXXX XXXX XXXX by your bank. I tried to cash it at XXXX since I do not have a brick and mortar bank relationship status since moving back to KS. They tried to run it twice and said it was denied. So I turned to Wells Fargo- they credited me {$400.00}, and was to deposit the rest this morning. I woke up to an overdrawn bank account. Their position is that XXXX XXXX XXXXXXXX XXXX  wont release my travel reimbursement check to my account. I need to eat. This is unacceptable, and I will not wait 10 for you to release me my paycheck. What kind of Bank doesnt back the XXXX XXXX checks? Especially one paid to an employee. Im sure this is unlawful, its certainly unruly- and I will be contacting an attorney on this matter. I have spoken to everyone I can today at PO and they just look at me like, What happened? UPDATE : Is this really where we are at? Are you really the type of bank that refuses to verify or acknowledge a XXXX workers paycheck from the XXXX XXXX with ZERO explanation? This is unacceptable. I have a right to be paid for my labor. Verify my employer 's account and release the funds made to me- To my Wells Fargo account. Consider this a final notice before my legal counsel files a complaint. CC : Consumer Financial Protection Bureau, Federal Trade Commission, XXXX XXXX Kansas Attorney General

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 2018-02-19
Company: ALLY FINANCIAL INC.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Consumer Financial Protection Bureau, I had two auto loans for a truck and car with Ally Financial back in XX/XX/XXXX and during a transfer to a new Federal job I had a lapse on the payment for a XXXX XXXX XXXX. Despite my attempts to negotiate with Ally to make payment a few days later, the company refused and repossessed the car. Needless to say some months later I received notice that Ally sold this car to a reseller and I still owed the difference from the purchase price. XXXX XXXX is Account : XXXX, Reference XXXX. Since that notice I have been making monthly online payments from my bank bill pay this XXXX XXXX. Last year I also paid off the truck loan and received title as scheduled with no problem. 

I have made numerous attempts to contact Ally Financial collections department to request a written notice for the balance to pay off this XXXX XXXX. My most recent phone call was on XX/XX/XXXX where they confirmed receiving my payments, but then refused to tell about my payments, my balance, and send written debt, balance, and pay off information. In addition Ally Financial told me my XXXX XXXX was sold to another debt collection company, but then refused to tell me the company, address and contact, and balance or payments transferred to this company. I have made repeated attempts to pay off this debt, but every time I have contacted Ally Financial collections department they have refused to provide my balance, my payments, written statement of balance, and not allow me to pay off this XXXX XXXX. 

I simply want written or email notification of my balance so I can pay off this Sale Debt and stop Ally Financial from continuing to degrade my credit report and FICO score. Ally Financial has repeatedly refused to provide my balance and allow me pay off this debt. -- 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 2023-09-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I entered a covid deferral under the Cares Act. My payment was due XXXX entered the covid deferral current. XXXX continued to add property management fees, driving by my house as if I was in foreclosure. In XXXX of XXXX I started communicating with XXXX about my options after the deferral ended. I did not receive information on my options until XX/XX/XXXX. I continued to call the special assets department and there assured me that my account was in good standing and I needed to wait for my new agreement to take effect. They would put the XXXX that was deferred to the end of the loan with no interest, waive late fees, continue to report me current, and I was to start paying my mortgage payment again, starting XX/XX/XXXX. I paid my mortgage through my bank on XX/XX/XXXX and it posted to XXXX on XX/XX/XXXX. On XX/XX/XXXX, I got my first notice from the credit bureaus that my account was reported as XXXX days past due by XXXX . They continue to send e statements that ask for the full XXXX balance which is again against the Cares Act. They are not allowed to ask for a lump sum at the end of the deferral. I followed the agreement that was sent to me XX/XX/XXXX. I have been in touch with special assets and loss mitigation over 40 times combined. In the last 5 weeks since being reported to the credit bureaus, I have called and called to ask for them to fix my credit. I am a new business owner. My business opened last month. I was counting on my great credit score to be able to get loans for the business. Instead XXXX caused my score to drop XXXX points and I no longer qualify for loans.

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 2023-04-24
Company: Experian Information Solutions Inc.
State: NE
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 submitting this request in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intent to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. The following items are listed below that need attention : XXXX Date of inquiry : XX/XX/, XXXX Date of inquiry : XX/XX/, XXXX XXXX  Date of inquiry : XX/XX/, XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/

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 2020-03-23
Company: Experian Information Solutions Inc.
State: AR
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:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX/XXXX  XXXX {$6600.00} XXXX XXXX XXXX {$210.00} XXXX XXXX {$85.00}

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