BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below and delete these immediately : XXXX XXXX COOP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD ) XXXX XXXX  ( XXXX XXXX : XXXX XXXX XXXX ) XXXX XXXX  XXXX  SERV ( Original Creditor : XXXX  BANK ) 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 2022-12-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In the first week of XXXX. I was no XXXX that there was some suspicious charges on my account from wellfargo. They hand shut down the account. So I went to the bank and talk to the banker. He noticed XXXX transfers thew XXXX to XXXX XXXX totalling XXXX XXXX XXXX XXXX dollars that I was not aware of. I do not no this person at all or never heard of here .So the banker called the fraud department to let them know about it..Fraud said they would contact me. Weeks went by no contact.Tried to contact them several times. Finally after weeks I got in contact with them.Now it's been XXXX months since this happened. After several phone calls and no solution. I was told to make a police report. I did and sent it to them. Waiting for response none. So again tried to contact fraud department finally got a hold of them they said they didn't receive the police report. So this time I faxed it and got a confirmation showing that the had received it.more times going by. Weeks and weeks. Still no contact back.finaly got a hold of the XXXX  fraud department. They said XXXX  we got the report back in XXXX??? Some body 's living. All I want thim to do is make good on the money that has been fradley taken from my account. I'm XXXX XXXX year 's old and retired with a fix income.and that is some of my life saving. And when I opened this account I was told that it was insured no problem. Here it is XXXX months going on XXXX months and no solution yet. Please help. And yes I want you to publish this. As it is XXXX XXXX to let alone fraud. Thanks 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 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ftc violations listed and filed to FTC XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Account Type Auto Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Creditor Name XXXX XXXX XXXX  Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- ATTORNEY GENERAL-XXXX Account Type XXXX XXXX  Account Status Open XXXX XXXX XXXX Account Type Secured Loan Account Status Open Opened Date XX/XX/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 2023-08-17
Company: Experian Information Solutions Inc.
State: TX
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.

The letters are stated with items and issues.

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 2019-08-06
Company: Southwest Credit Systems, L.P.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i called southwest credit systems since they are reporting a balance owed from XXXX on an account closed in 2015. Southwest credit systems has never contacted me about this debt but have been reporting and damaging my credit for almost 2 years. they have an address from 2015 where they claimed they have been sending mail when I moved from that location in 2015. southwest has had more than one account for me so they had valid contact addresses before today. that is a tactic to state that they could not reach me when they are purposefully sending the communication to the wrong address also the gentleman I spoke to had my cell phone # because it is the same cell # I had when I had the account -- he actually asked me is that still a good # -- so they had it all along and they could have called to verify if by some strange chance they did not get the flipping memo. This company is using workarounds to report and damage peoples credit and they need to be stopped, I have rights that were violated by them not notifying me at the correct address and I do not recall EVER receiving a phone call from this agency. they need to make corrections to my credit report for not following the law.. also my address has been updated through the postmaster on my credit reports and public information if they bothered to check instead of sending correspondence to a 4 year old address -- and the balance is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My XXXX has committed ID Theft & bank Fraud with my ID. My XXXX and I have been working on this since XXXX to date, and the bank has made at least XXXX investigations off and on, claiming the dispute was denied. I don't believe they investigated at all and seemed to no know where my documents I sent were at. Then they sent the fraud account bill to us XX/XX/2022 for the balance of {$3700.00} to our address with my XXXX XXXX email attached to this account. They confirmed that the our address was the victims address and quickly got off the phone. Our XXXX has lied about this account to us as well as gaslighted for more confusion, but we feel we are caught between a bank that is not doing their job right and a 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 2023-01-06
Company: Experian Information Solutions Inc.
State: PA
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:
The following has been reported on my credit report without written consent. On XXXX XXXX, XXXX XXXX  Credit Union reported XXXX XXXX XXXX XXXX XXXX  dollars. They also reported XXXX XXXX XXXX dollars on on XXXX XXXX. On XXXX XXXX, XXXX reported XXXX XXXX XXXX XXXX XXXX dollars. On XXXX XXXX, XXXX XXXX reported XXXX XXXX XXXX XXXX dollars and XXXX reported 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 2018-10-28
Company: Experian Information Solutions Inc.
State: AP
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 have disputed the late payment XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-06-18
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I called XXXX XXXX 's customer service several times on and prior to XX/XX/2017 to get information about repayment options for my student loans. Each time I have called, I asked if it was possible to decrease the amount I pay monthly or establish an income-based repayment plan. Every single time I have called I was told by XXXX XXXX customer service employees that there are no income-based repayment options. XXXX XXXX Customer service representatives have told me that I only have two options. According to XXXX XXXX, I must pay the amount XXXX XXXX sets or I must pay a fee to have my loans go into forbearance. Forbearance allows my loans to accrue interest and the forbearance fee is high. XXXX XXXX 's forbearance option is not a reasonable means of solving my problems. My XXXX XXXX repayment fees are too high every month and XXXX XXXX has refused to provide reasonable repayment options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I receive a robo call from XXXX XXXX XXXX telling me that they will cut my service if I don't Pay my bill today so the robo call said press 1 if you want to make the payment so then a man pick up the phone and said How can I help you, so i told him that I receive a call from you ( XXXX XXXX XXXX ) said that you guy going to cut my service I ask hi why and he said let me see, put me on hold and he come back and said yes we have not receive your payment and that is why, do you want to pay today to avoid the issue, I was scare and too him yes but he said we don't take checks, credit card or ATM the only way is going to be through XXXX, I answer I dot now how to use that app and he said ok I am here to help you, then he start telling me how to navigate through that Application. 
But before all this happened I hung up the phone and call the XXXX XXXX number to make sure it was them and yes it was they're number, he call me back and that is wend I tough it was real!!!! 
so he keeps telling me what to do and I did the transaction through XXXX for the amount of {$990.00} from Bank of America, then he said ok you have a credit here so I am going to sent you a code for you to put into XXXX to get that Money back at that point I realize that it was a scam and immediately hung up the phone and call my back and told them what had happened and the said that unfortunately there is nothing we can do, so I am keep calling my bank to see they can help me but no luck I have learn that If some one INDUCE you into transfer money Even if I agree the Bank have to refund the money, it this right???? 
thank you for your Help.

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 2020-06-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX. Company Inquiries : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : US DEPT ED # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021 my bank paid a overdraft of {$1200.00} for a rental car but on XXXX XXXX the decline my rent payment of {$1300.00} so with all my overdraft fees I currently owes the bank {$1600.00}. I tried to get them to reverse the payment to XXXX XXXX XXXX. They refused and told me the only way they would then I would have to deny authorizing the payment. I told them I wouldn't so they said then I couldn't. When I'm trying to get essential bills paid or cash. The bank tells me I ONLY have a limit of {$250.00} yet they pick and chose for me. What debt they will pay I think it's VERY unfair to my bank to tell me. Who they think I should accummulate a debt with if I had my choice it will always where I lay my head. They done this before to me and I was shocked to find out in XXXX that they paid XXXX when I called to pay the company. And the company information me my bank paid them. As a customer who is expected to pay them back again I'm full. I think I should have some say in who I am paying back. Up to this point I was in good standing with my bank. But I will not be bullied into paying something because they say I got that rental car I could of made payments. Until I brought that current rent you either pay or you get charged late fees, court fees and possibly evicted and that's what I'm dealing with right now. And if I must pay them and they are allowing a excessive amount overdrafts. Then I want the rent include if not the XXXX payment removed. So I'm being told who will decided which payment they will pay for me and I have no say so plus I requested them days before XXXX. Got paid to stop the payment like they did the rent payment. And they paid anyway and then told me it takes days but here 's the quicker I never asked them to pay them before when the funds wasn't available. And they were limiting me to a only a {$250.00} limit and they say it's the system. I'm very upset and I don't think this fair I feel like I'm dealing with the XXXX  and XXXX  banking.

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 2022-05-15
Company: Affirm Holdings, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Am a XXXX XXXX XXXX XXXX XXXX  who sat for my XXXXXXXX XXXX XXXX  on the XX/XX/22 and failed. so i went to look for help online and found this online tutoring service program which claimed to be tutoring students on the XXXX XXXX XXXXXXXX XXXX XXXX  with very high chances of passing but they did not allow any other form of payment other than getting a loan from AFFIRM and the payment has to be fully paid before they even enroll you So they have this AFFIRM icon on there website that was the only active one the other credit cards like XXXX XXXX XXXX XXXX  were inactive. so you are left with no other choice but get this loan even though you dont know how this service operated but since it was stated on the affirm website that if you are not getting the service that you expected from the merchant in 6weeks of getting the loan affirm can help you get back the money ( LOAN ). so i went a head and applied for the {$1800.00} which was what they were charging for 8 weeks with one session weekly for 45mins a session which for sure was over priced anyway coz its was just sending questions which one can get freely on line and you tube. 
After one session i realize this is not going to help me pass my exam coz it was just typing sending me questions from a question bank no direct contact with the tutor yet i expected a kind of XXXX thing. 

So I write to them after two weeks to counsel and get me out of this program but was willing to pay for the two sessions i had with them and they refused saying i have to pay for the loan I didn't even use coz they have a NO FUND policy So I got to affirm website and filled a complaint as it is states on the website that if you are not satisfied with merchant and the loan is within 6 weeks since they issued it they can help you get a refund i was with in the time frame coz it had only been 2 weeks they reply me after about 3weeks they say they work with the policy of the merchant so i have to pay the XXXX dollars i did not even use. 
its not fair for me to pay for a loan i did not use i accept to pay for the 90mins i had with them but why should i pay a whole XXXX dollars for a service i did not use. 

this seems like a trap am in now and am afraid it may affect my credit score which i have worked for years to build and protect. 

am kindly requesting for your help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Thursday afternoon XX/XX/2023 around XXXX my husband received a phone call from a teller at a regions bank in XXXX Tennessee asking him if we wrote a check for {$4700.00} to a XXXX for jewelry bc she had a suspicious feeling about the person trying to cash this check and he said no and she advised him to contact our local regions where we live in XXXX XXXX At that time when we went to call it was too late a check was already pending in our account for {$4800.00}. I was able to find out this specific check was cashed in XXXX Tennessee at the XXXX XXXX XXXX. The check number used was check # XXXX which I still have in my checkbook ( the last check I wrote was check # XXXX to a company ) and it appears this is not a washed check but an actual fake check, on this check the font is different, and wording and safety thing next to the amount and things missing just a fake check altogether with my account info and name. I noticed a transfer from my savings to my checkings account in the amount of {$3000.00} was made immediately before the teller cashed the check. I filed a police report with a detective at the XXXX ga police department Friday XXXX XXXXXX/XX/2023 and then went to directly to regions bank in XXXX XXXX and filed a fraud claim for the check. I have not been refunded my fraudulent stolen money and am very upset that when presented everything I have to wait 30+ days to receive my funds back without a provisional credit given to my account because the amount is too large well how do you think I feel when my bank was drained and I have kids and a mortgage and bills to pay. I have contacted regions customer service who was the one who gave me all the information on where the check was cashed, presented me with that specific tellers ID # and how the transfer occurred the transfer was not an internal transfer thru electronic banking but occurred in the form of an ACH deposit which they said took place in the branch or over the phone, and they said over the phone they can not transfer more than {$1000.00} which left only one other option the teller who cashed the fraudulent check at the XXXX XXXX transferred the funds from my savings to my checkings in order to cash this check. Is she did not do that transfer the check would not have been able to be cashed and I would still have my money. This is now an fdic issue and Im just very disappointed in the lack of urgency to resolve this claim and return my money to me and my next step is hiring an attorney if I do not receive my money back by the weekend.

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