BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-18
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I went in XX/XX/XXXX to close my banking accounts at the Wells Fargo in XXXX, Iowa and they never closed the account even after my person banker XXXX XXXX said he would take care of it first thing in the morning. They never closed the account and allowed reoccurring payments to go through 3 times after not closing the account and over {$150.00} in fees after that giving me a negative balance of {$180.00}. When I go in on XX/XX/XXXX after finding out just then that this had been going on because they sent no mail to my house and left me no voicemails. When I speak to a different banker she tells me that the account has been closed on XX/XX/XXXX. I ask what happened with the negative balance and she tells me I dont owe anything and that the account has been taken care of. Today, XX/XX/XXXX I go in there because they had sent me to collections with no prior notice whatsoever. They proceed to say its all my fault and that I should of went in to do their job for them basically and say theyre gon na call their resolution center to help fix the problem and that Id hear from them in 2 days. They then call me one hour later and they lie to me once again and tell me that they tried to contact me through call and voicemail multiple times and that I have to pay the full amount to collections. Why would I ignore voicemails from bankers trying to tell me my account that should of been closed has been being hit by {$150.00} of fees? Not only was XXXX XXXX incompetent and didnt know what he was doing, his branch manager was one of the most rude and disturbing people I have ever met. I really need to figure out how they can fix this without lying to me every time they speak to me. Im a hard working man and {$180.00} is a lot to me compared to a bank thats estimated to be worth XXXX XXXX dollars. It felt like I was being robbed. Every time they said they were gon na do the job I asked of them they lied. Especially claiming they called me and left me voicemails and sent me physical mail. I check my phone and mailbox everyday and I never saw anything until I open up my mail today and see a letter from the collection agency, so not even a Wells Fargo notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-05
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2018 I wired money to XXXX XXXX where I had lived and had a business before, and I still have a bank account with XXXX XXXX  in XXXX. The amount of money I asked to be wired was {$85000.00}. and the money which was wired to my bank was the amount of {$68000.00} EURO. At the time of the transfer I was very sick and just had a XXXX. So, I was not able to calculate the transaction amount and myself. I asked the banker who did the wire transfer for me " how much is the rate? " the lady sad " I do not know and it is my fist time doing this. '' When I came back home from XXXX and visiting my family and got better and i was thinking more clearly, I calculated the amount and shocked to see how the bank has cheated me and the rate that I was charged was not a correct one. So, I went to the bank and asked a banker to put a complaint and inquiry about the wire. She did filed a complain and in a few days I got a call from the bank saying the rate is correct and if, I need further clarification to see the paper work I have to bring a sphene from the court. 

I called and wanted to talk to the CEO or someone who could help me with this matter, no one was coperating with me and I was told repeatedly to bring a sphene. I wroter to the board of directors a couple a of times and they all were unresponsive and uncooperative, and was redirected me to the same secretary. 

Attached please find copies of my correspond with the board of directors and my letters. Thank you for your time and consideration. 

Regards, 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 2021-02-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried opening an account in Chase Bank around XXXX last year. They denied and returned my deposit back. I was not given any proper reason as to why they denied my account. It was the beginning of the COVID pandemic and I did not bother investigate further so I want I another bank and opend an account without any problem. 

Now we started a new business and yesterday I went to Chase bank in XXXX with my business partner to open a business account since he has multiple account with XXXX. 
They said they will not be able to open an account with me as a signer in the account. They did open the business account but I will not be able to operate the account or be able to write checks or sign checks. When I asked for a reason why I was denied, they did not give one. 
At least I should know what is the basis for my denial. Please let me know what are my legal rights so I can take further action. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The CRA 's have added fraud alerts and security freezes to my credit reports after I specifically requested they NOT place fraud alerts to my file. This is a violation of FCRA regulations.

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 2023-06-13
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company called XXXX XXXX ' calls from a different number 2-4 times a day. Each time I block it another one pops up and this has been going on for about a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: NV
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # 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 XXXXXXXX # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW IM CEASEING AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c.

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 2021-02-24
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
PLEASE REMOVE THE FRAUD ALERT FROM MY CREIDIT PROFILE!!!!!!! 

I did not request a fraud alert be place on my credit profile. 


Equifax will not remove the fraud alert from my credit profile!!! 
I have also placed a complaint the with XXXX because now Equifax is playing games.

You can not play games with peoples credit Your complaint case number is XXXX. You will receive an email with a link to your case within approximately 48 hours. XXXX  acts as an impartial third party between you and the business in an effort to resolve your complaint. 

Feedback from consumers is vital to XXXX  We appreciate your willingness to report this information to us. We look forward to helping you and the business work toward a resolution. 

What Happens Next? 


XXXX XXXX XXXX XX/XX/XXXX XXXXs # XXXX XXXX XXXX XXXX XXXX VA XXXX tel XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-09-15
Company: EQUIFAX, INC.
State: DE
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 an AUTHORIZED USER on a XXXX XXXX credit card. I never made a single charge on this account. I disputed it with the three bureaus but Equifax left it on my file. This is a violation of my rights under the Fair Credit Reporting Act. I do n't have the complete account number since I obviously never had a card. But the partial account number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called today XX/XX/2019 in reference to a dispute file # XXXX that was dated XX/XX/2019. After talking with a rep that didn't understand what I was requesting I asked for a supervisor. After the supervisor XXXX came on the phone I explained that I am requesting a Method of Verification letter referencing the file number stated above to be sent to me as per my right under the FCRA. He stated that there was nothing they could send out. I continued to explain that I have a right to that information and he stood firm in there was nothing to send me. Their ignorance of the law or just outright unwillingness is unprofessional, unacceptable and a violation of my rights.

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 2022-12-06
Company: Experian Information Solutions Inc.
State: AZ
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: Investigation took more than 30 days

Complaint:
Ive submitted numerous disputes and the credit bureaus haven't sent me any correspondences at all regarding them.

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 2017-09-25
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I attended XXXX XXXX in 2009 and their were two loans opened without my knowledge and I want deleted off my credit report. I did n't authorize. I was thinking I only was using financial aid only, NOT STUDENT LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Experian Information Solutions Inc.
State: TN
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:
Disputed discharged accounts under chapter XXXX. Account showing open on a closed account. XXXX will not remove

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 2021-04-12
Company: EQUIFAX, INC.
State: OK
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:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: TX
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:
It has been reported several times that my auton loan at XXXX XXXX XXXX XXXX is 30 days past due. I have called several times and spoken with the loan mange XXXX XXXX who has informed me that she can not correct late payments corrects have to be made with the credit bureau although my due date on changed from the XXXX to the XXXX without my knowledge. I have attempted to correct with all 3 credit bureaus and no changes are ever made. Today XX/XX/XXXX XXXX XXXX has sent email stating that a change was made to my due date. I am disputing all late payments from XX/XX/XXXX up to current. and have attached email to show my due date was changed without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are several accounts reporting on my credit file that does not belong to me. I have sent the credit agencies letters to dispute these accounts. The listed accounts are reporting as a result of identity theft. Please remove the following accounts and incorrect information from my credit file : Incorrect Name : XXXX XXXX ( XXXX ) Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX & Transunion ) Identity Theft Account : XXXX XXXX XXXX XXXX ( XXXX & Transunion ) Identity Theft Account : XXXX XXXX XXXX ( XXXX & Transunion ) Inquiries : XXXX XXXX XXXX ( 2 Times ), XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( 3 Times ), 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 2018-12-05
Company: DISCOVER BANK
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I applied for a private loan to cover tuition and educational expenses for the XX/XX/2019 spring semester. Discover denied me. I received a let ter stating I was denied because an item in collections appears on my report. After receiving the denial, I contacted Discover several times to review my denial. The item on my credit report is a medical bill. When I stated this, I was instructed to file an appeal. I completed the appeal and submitted a letter stating the item in collections is a medical bill and can not be included in the credit approval process. I have called several times to discuss this with the appropriate department but customer refuses to put me in contact with them. The department that oversees the credit decisions have pulled my credit report several times but has never spoken to me. The last phone call I made was yesterday, XX/XX/XXXX, and I spoke with a supervisor, XXXX. He also refused to have that department contact me and refused to do anything to investigate the situation. I told customer service and the supervisor that I feel discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 contacted transunion regarding illegitimate inquiries that are appearing on my file due to their error. I spoke to a representative and rather him assisting me and listening to my concern regarding their error and placed inquiries on my credit report that was previously removed by a them. I want them removed immediately because 1. They didnt follow proper protocol when placing them back on my report. They didnt even try to assist. The inquiries are ridiculous because its no way possible for this is correct. 

1XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX, XXXX, XXXX 3.XXXX XXXXXXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX  XX/XX/XXXXXX/XX/XXXX 7.XXXX  XX/XX/XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10.XX/XX/XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXXXX/XX/XXXX XX/XX/XXXX 14.XXXX XX/XX/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 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following inquiries do not belong to me. Also, they are not associated to any of my accounts. 
XXXX-entered twice XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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