BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-19
Company: W&A Intermediate Co., LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Wakefield and Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
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 explanation
Consumer complaint received 2023-03-19
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Recent conversations were initiated with PHEAA/AES. No matter who I seem to speak to in Customer Service at AES/PHEAA, the individual clearly has no reasonable expectation of respect for borrowers. Every interaction to me ends on a negative note and the Representative instead of de-escalating the situation, attempts to argue with me or become verbally agitated and/or annoyed with questions that deserve logical answers instead of opinionated ones. I have received " XXXX '' on multiple occasions who claims to be an Account Specialist. The most recent conversation, XXXX seemed to bring up past conversations trying to compare business at my Employer to business at AES/PHEAA XXXX I'm not entirely sure what the thought process was behind his motives, but I do feel each time I conversate with this individual, that his discussion points are inappropriate and fall off topic. He continues to promote himself by mentioning multiple times that he's worked at AES/PHEAA for 11 years. I still get confused with what that has to do with the complaints and concerns that I have when I call in. He also contradicts himself when he claims that he can not disclose any disciplinary action details against employees, but then he mentioned in the last conversation that a previous employee I had issues with no longer works there ( XXXX ). In the course of each individual 's duty at AES/PHEAA, it is never appropriate for employees to bring up details to the lengths that Jon went to, regardless of how long they have been at the company. There is much concern over the growing issues with customer service at AES/PHEAA . I am not an anomaly as I have heard other accounts from other individuals about the same issues. I may be one of the " few '' that actually holds people accountable for their negative actions. Any employee who is tasked with responding to this complaint is strongly advised not to ignore it and/or not to provide a canned response that appears as though the Agent never did any thorough investigation into the conversations that took place. There are still open complaints against AES/PHEAA that have yet to be answered, so I would recommend providing responses to those as soon as possible to avoid additional complaints being opened. I may initiate FOIA requests if I feel that my complaints are not being handled appropriately including a copy of all recorded phone conversations.

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: Bridgecrest Acceptance Corporation
State: SC
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:
According to the IRS canceled debt MUST be reported as income when a consumer file taxes according to the publication 4681 ( XXXX ), canceled debts, foreclosures, repossessions, and abandonments. 

This company is refusing to provide me with a 1099-C to report my income and they are refusing to DELETE the reported account from my consumer report which income is not apart of a consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: A.R.M. Solutions, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original debt is with XXXX XXXX XXXX of the XXXXXXXX XXXX. There are several problems with this debt in which I had at least 6 phone calls with XXXX about the following : 1. I was not made aware when they came and knocked on my door trying to get me to sign up for their services that I would be entered into a year-long contract with their company. The rep did not tell me this nor is there any contract that I received a copy of stating this. 
2. The amount of the debt is for 4 services, plus one 30 day follow up service to the first of the four. The company only performed one service and the follow up service, that was it. 
3. XXXX is a pest control company. I hired them expecting them to be able to get rid of the mice in my garage. After expressing to them on more than one occasion that I really needed help in my garage with the mice, their employee placed ONE poison " house '' outside of the garage and that was it. 
4. The poison they placed in my yard was easily accessible by my pitbull that has a strong desire to chew up plastic items and the item they put in my yard was plastic and therefore could have killed my dog. The poison was also outside of my garage, the mice were living inside the garage so not sure how well they thought this attempt to kill them would work. 
5. After the above happened, I called the company to complain and was told they would not send a tech back out, to just wait at least 2 more weeks to see if the problem still persists. TWO WEEKS WITH MICE? By that time they would have multiplied by at least 4x. 
6. Once I realized the company 's level of incompetence, I told them to not come to my home again, that I was hiring another company that knew what they were doing and would do the job correctly. Which I did and the mice were gone within one week of them coming to my home. 

I have tried to explain to XXXX it is completely unfair that I wasn't made aware of the fact that what they were signing me up for was a year long contract. Also that I didn't receive any kind of paperwork stating such. They were not sympathetic and told me i had to pay for all of the services, even the ones I did not receive. I feel like I should not have to pay for anything I did not receive, and I also think the " services '' that I did receive were so far from what is expected that I should not have to pay for those either. They continued to call me and ask for money even though I told them the same thing every time. Then when I would ask to speak to a supervisor, I was told I can't and that it wouldn't make a difference anyways, since no one would help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Refer to my previous complaint to you filed on XX/XX/2021 involving closing account to withdraw funds. 

When I filed the 2021 complaint against Citibank, I had accrued over {$100.00} interest for having {$10000.00} deposit with them for over 2 years. At the time it was unequivocally understood I was closing the account. After my complaint I was finally able to withdraw my {$10000.00} initial deposit and was informed the interest gained would be mailed by check. However, once again, Citibank has failed to do so and withheld all interest made from my {$10000.00} deposit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
CFPB please take note of this fraudulant activity. 


Why was my Personal Banking and Checking accounts PURGED by your Wells Fargo Manager at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX? 

Please state your Wells Fargo rationale from this manager? 

Why was I laughed at by two male employees in another Wells Fargo XXXX, AZ branch who reported this managers activity? 

Why was I treated differently and discriminated against? Why were other customers treated differently? 

Does this fired manager 's activity reflect in the countinuous denial of my court ordered XXXX settlement check? 

What is your answer in regards to my overly due delayed XXXX for years settlement check? 

Please explain why you are harassing me and withholding my XXXX COURT ORDERED SETTLEMENT check?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: OH
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 was trying to buy a home so I can better me and my family lives and I realized that there were some damages on my credit report. I have already been in breaches and I thought you were going to protect my information from there. This is a Defamation of my character because it is affecting my livelihood. Now me and my family are being impacted emotionally and mentally. According to 15 U.S.C AND 1681 You have broke the law because these damages are fraud and I am trying to move forward.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My issue is that I am being contacted by a company that is not bonded to work in my state. This is illegal and I will sue them. I've asked them to stop contacting me but they have not. Instead they filed on my credit report and they can not legally do that because they can not legally work in my state without being bonded. I need this removed from my credit. 
The company is National Credit Adjusters XXXX XXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: NJ
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:
They are over XXXX closed accounts on my credit report that I did not do business with or authorize at all XXXX my name is spelled wrong they have addresses listed that I never lived there debt collectors Ive never did anybody with I recently revlewed my credit prollle and noticed inaccuracies and/or Incomplete intormation, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DelEit all Information that is inaccurate, Incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, Incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, XXXX, NOT MINE, NOT MY RESPONSIBILIY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY. even richt NOW! The obvious intractions are as follows : Alleging Creditor and Account as is reported on my credit report : dspute Item and explanation By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investinated and cermanently removed from mv report. 
I awai your reply wikh ( XXXX above XXXX XXXX XXXX 
Upon receiving All correscond back with you b ' XXXX XXXX XXXXXXXX. Your Full Name *Attach copy of ID and Utility bill ( bank statement if you don't have utility bill )

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 2023-11-23
Company: Experian Information Solutions Inc.
State: MO
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 your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance Owed : {$70000.00} DEPTEDNELNET XXXX Balance Owed : {$11000.00} XXXX 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 2023-03-19
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was previously a customer of US Bank. Time and time and time again, my actual dollar amounts were not accurately reflected in my checkings account. Ive actually closed my account as of the end of XX/XX/2023 due to the negligence of their bank. Due to my amounts being improperly shown, there were numerous times where my account was overdrawn. I would them be charged again for a cash advance just to avoid the overdraft charges. I do not have photos or documents, but the proof is there in my past transactions. Ig needed I can provide my account number. I still have an open, active credit card with the bank. The last straw was when I needed to make a large purchase for vandalism done to my car. When making the transaction with my card, my checkings account was bot overdrawn. The very next day, My account was - {$200.00}. When I call the bank, there is never a resolution. I was once instead told by a woman from US Customer service to keep a separate note pad of all transactions. If I wanted to do that, I would not bank online. After this, I wired my remaining checkings and savings amount to a new institution. I had been banking with US Bank for XXXX years. Ive lost thousands of dollars due to the inaccuracies of their mobile app which I relied heavily on. There were also many instances, at least a few times a week, where my transactions would post as pending, then would disappear for days, then would re appear. I was convinced that is how all banking was until I switched to my current institution. ALL of my transactions show up immediately. Every cent is accounted for and transactions dont randomly disappear. Yet, this was a regular practice of US Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: Credit Karma, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have experienced Identity theft. My Emails have been hacked, credit cards open. numerous credit inquiries, among many other things. My credit Karma has also been hacked and passwords changed. I can not get in to my credit karma account. I have frozen all 3 credit bureaus. I made numerous attempts through Credit Karma customer service to shut my credit karma down as the identity thief uses credit karma to monitor my credit activity. I am requesting that anything relevant to my Social Security number with credit karma be immediately shut down. Also anything relevant to my two Emails with credit karma be immediately shut down : XXXX XXXX XXXX ID Recovery Case # XXXX Credit Karma customer service is difficult to reach and offers no help when you do finally get them. Also filing a XXXX XXXX XXXX  against their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TD BANK US HOLDING 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:
I had a TD Bank checking account for 13 years which was impacted by fraudulent and unauthorized ATM debit card transactions charged to my checking account as described in the attached secure messages. Specifically, my checking account was charged around XX/XX/2022 for multiple debit transactions despite the fact that I never used my debit card, I had my card locked away safely under my sole control yet TD Bank authorized various Online purchases without my name, address, expiration date, 3 digit security code and other security features. Obviously, a hacker just guessed at a random debit card number which TD Bank accepted without the other requirements or, worse, a bank wide hack exposed my account data. My checking account was wiped out and I never received my requested explanation on how this fraud could happen in light that my card was never used and locked away safely. I was forced to clause my checking account as I lost faith in internal controls XXXX XXXX Bank. I request that the CFPB investigate how this could happen and how the subsequent events caused me irreparable harm by the lack of customer action to fix issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: WELLS FARGO & COMPANY
State: NC
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:
Called Wells Fargo regarding my mortgage payment. Due to covid hardship asked to skip one payment which would be deferred to end of loan which they offered in the past. Wells Fargo stated no longer offer that option but referred me to XXXX  XXXX XXXX  XXXX for XXXX  XXXX  XXXX  for help. Once enrolled and approved Wells Fargo was told the payments would be received for 6 months bu the Government agency providing this program. No negative credit reporting was stated by rep at Wells Fargo due to enrollment in program and was notified first payment would take up to XXXX weeks to receive thru the referred program. Wells Fargo reported me 3 months late causing me harm, not being able to get any other loan due to this late reporting. When enrolled in a government hardship program due to covid, which is suppose to help individuals impacted by this illness, the lending institution should be required not to report the person late since they will be receiving the funds and the consumer made every effort during communication to pay their mortgage. Wells Fargo has a history of bad business practices and fraud and has been fined millions of dollars and still they are harming their customers, especially when enrolled in government programs to help the consumer. There should be government regulations that should prevent this type of harmful actions when participating in programs to help consumers due to XXXX. Wells Fargo also did not report positive payments received from the program to the credit reports to show payments were made up to date. I had to call and open a complaint with the credit company to update the information. Wells Fargo knowingly hurt my credit so I could not change lenders and get other 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 2023-04-13
Company: Experian Information Solutions 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:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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 2023-04-13
Company: Experian Information Solutions Inc.
State: CA
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 received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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