BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I can't open account. I used to have account. Money was token I never got money back and they closed account years ago

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 2020-01-11
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am furnishing this complaint against Fed Loan for denying me the right to have student loans removed off my credit because of my criminal record according to False Certification. They found me not eligible by stating there is no evidence that the school was made aware of the disqualifying status. I was not made aware that I might not qualify for employment due to my criminal record for which field I was being trained in because no one asked or gave me appropriate counseling. 

XXXX College, formerly known as XXXX XXXX XXXX College would have been aware ONLY if the school would have INQUIRED about my criminal record prior to enrolling in school. I have no reason to deny that when this is public records and apparently can be found. 

Furthermore, I inquired about the Promissory Note with XXXX XXXX Student Loan Servicing before because I wasnt certain that I had signed on to this and requested that send me a copy. The Promissory Note has incorrect information that I highlighted such as my name. It asked for your whole name and my whole name is not located anywhere on there. Also, there is nowhere on the Promissory Note that ask are you a felony for any type of crime other than for fraud. Nor did I receive counseling regarding a loan or my eligibility for a loan and anyone could have done an electronic signature. 

However Fed loan states you may qualify if you had a physical condition, medical condition, legal status, legal condition or a CRIMINAL RECORD that would legally bar employment in your field of study at the time your school certified or originated your loan. How was I supposed to know this information? They asked about fraud, then they should have asked about other criminal records. 

According to XXXX  and XXXX, XXXX  is where I now reside. Both states have set rules that prevent one from gaining desirable employment in the XXXX XXXX and to provide a XXXX  business for XXXX XXXX XXXX. However ; my criminal record has become an obstacle. I studied XXXX XXXX so that I would have essential XXXX  skills and knowledge to become an XXXX  and to work with XXXX. 

I am not able to get ahead in life and to have been to school and still not able to conquer my dream job is quite depressing and embarrassing. I would like to have these loans removed off my credit immediately. Extortion is illegal and again, I think that the school should have questioned or counseled me before signing up for a program that I cant benefit from. 

I wish I would have known going to school wouldn't benefit me because my criminal record prevents me from gaining employment and becoming an entrepreneur. 

I have attached documents for you to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: JPMORGAN CHASE & CO.
State: TX
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:
On XX/XX/XXXX, I was doing my budget for the month and saw three charges for XXXX dollars ( totaling to {$250.00} dollars ) for XXXX gas stations. Two charges occurred on XX/XX/XXXX ( at XXXX EST ) and XXXX EST ),  while another charge occurred on XX/XX/XXXX. When I saw the charges, I immediately called Chase and told them that my debit card had been stolen and that it was used frauduantly. They told me they would put a credit back onto my account and would do an investigation. On XX/XX/XXXX I received a letter telling me my claim had been denied. I called Chase again and they told me that because I had logged in before to check my balance and since the card was inserted into a gas pump that I was liable for the charges. I argued with them and told them that I was asleep at the time. I have GPS from my phone showing that I was 15 miles away when the charges happened. They told me, " It's most likely fraud, but we are not reimbursing you. '' I filed a police report shortly after and then called the XXXX stations that were involved. They told me that they would not reimburse me, but that they would give me the number of the managers. When I called the managers I was informed that there were {$170.00} dollars that were bought of diesel gas at the pumps. I do not, nor have I ever owned, a diesel vehicle. I called again and the same run around. I was told they would reopen the claim but would not take into account the following items : GPS records, police reports, or receipts of the items. They told me that the only other option was to handle this matter in other ways. When I asked if that meant taking them to small claims court, they responded, " That is one method ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-11
Company: AES/PHEAA
State: CA
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:
The Obama administration promised public service loan forgiveness beginning with repayments starting in 2007 in conjunction with work at a qualified institution. 

I have worked at a qualifying institution for 12 years. I have never missed a payment. I filled out the public loan service paper work and have been informed that I need to choose a new repayment plan and start over for the next ten years. 

How does one know what plan to be in? I recall practically no information being given when I started this fiasco over a decade ago. Why didn't the government provide me with proper guidance? Regardless, I recall having paperwork a decade ago saying I was making qualifying payments. Now the Dept of Ed is saying I made " no qualifying payments '' ever. 

My loan was handed to XXXX many years ago ( without my input ) and it has been down hill ever since. 

I feel deceived and cheated by the very government that promised forgiveness all those years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had had my Wells Fargo bank account for almost XXXX years and decided to close my account due to them changing features on my account, causing me to miss calculate my funds and results of continuous overdrafts and nonsufficient funds for me to have to pay a large amount of overdraft fees

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 2023-01-22
Company: Netspend Corporation
State: MO
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 roughly XXXX XXXX and I believe it's XXXX hours taken over a XXXX span. I went kayaking and after was exhausted went to my room slept till the next day around XXXX and my account had been overdrawn and withdrawn cash XXXX transactions is what it was and it was not me and they said it was an authorized individual and I'm the only an authorized individual I immediately reported it when I seen the withdrawals in the morning they came back to me XXXX days later and told me that they weren't going to do anything. They've never even let me take out that much money at once. No explanation no nothing and I am in dire straits because of it still

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
signed for truist new account and sign on bonus with couple of direct deposits and funding new account with a minimum balance, caompleted all the tasks and yet denied the bonus and reached multiple customer reps and everyone gives a different reason and which is not true

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 2019-09-27
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2019 I received a debt collection letter with no option of to dispute. This has gone far enough. These creditors are violating my rights. This not the forst time I have had an issue with this credit collection company. I have filed a previous complaint against them. 

Account number XXXX And how does 2 different creditors outside of the original creditor have this in their companies system. Who is exactly handling this account? This is very very alarming to me. I am absolutely bothered by this. Who is XXXX XXXX and Radius Global Solutions and why are both handling my account with personal medical information on it. This is absolutely scary and this must be handled. Other identifiable account number XXXX from Radius Global Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$72.00} ; 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 2023-01-22
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I opened an account with US bank Usbankcorp. Depositing over XXXX in less then two months. However US bank practiced predatory behavior in applying over {$1000.00} dollars in over draft fees, additionally they took back an approximate {$1200.00} credit I had recieved after reporting a string of unauthorized transactions. Additionally none of the ove draft fees should have ever applied.i was plus in my account, approximately {$800.00}, and then minus {$700.00} just by predatory overdraft fees.

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 2022-02-04
Company: EQUIFAX, 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 requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting 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:
Reviewed my credit report on XX/XX/XXXXXXXX  and noticed inquiries that were not authorized by me and addresses as well, that I have not ever resided at. Please see the attached FTC report with all inquiries and addresses. 
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 OK XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX Sincerely Yours 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 non-monetary relief
Consumer complaint received 2020-01-13
Company: Experian Information Solutions 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:
This company is refusing to remove inquiries I did NOT authorize. Although I may have  some open accounts with some of these companies, I did NOT authorize the inquiries on the dates shown on my 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 2023-06-27
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:
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2022-02-20
Company: ALLY FINANCIAL INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
To Whom It May Concern, This incident is regarding unauthorized funds sent via a duplicate erroneous wire transfer without authorization by Ally Bank. 

On XX/XX/21, I, XXXX XXXX XXXX, authorized a one-time wire transfer in the amount of {$9200.00} to a bank account at XXXX XXXX  XXXX for Contractor Services . 
( Request # XXXX ) That wire was sent successfully. 

The next day, XX/XX/21, the same amount was sent ( {$9200.00} ) without my authorization. Immediately, I had called Ally Bank Customer Service and they said it was a 'technical error ', as both wire transfers had the same request number. Multiple supervisors had told me they never have seen this happen, but had made a request to recall the erroneous wire Ally bank had sent. 

Having no other option than to speak to a supervisor, I had to accept that this was the only action ( recall wire ) that could be done, even though it was the bank 's error that sent the duplicate wire without permission. A few days later, I decided to cancel the recall ( I was told Ally Bank couldn't get the account holder 's permission to recall ) and pursue legal avenues ( civil/criminal ) against the receiver of the erroneous funds to recoup the money. 

Regardless of the recall status, I strongly believe that the bank needs to accept responsibility and make right for essentially stealing {$9200.00} from my account. 

I have attached the wire transfer confirmations from Ally Bank that clearly show that it is the same request number for the authorized wire ( XX/XX/21 ), and then the erroneous wire ( XX/XX/21 ). 

All case notes for this is logged in XXXX XXXX. XXXX in Ally 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 monetary relief
Consumer complaint received 2023-08-14
Company: Experian Information Solutions 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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-06-08
Company: ARVEST BANK GROUP, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Arvest assumed my loan from another processor. They appear to have intentionally instituted practices that make it arduous to process payments on a regular basis. From the moment that they bought out the loan, their communication was lax and forced all efforts and time required to re-establish ongoing and recurring payments on myself. I attempted to establish a recurring payment with them but their processes have made that nearly impossible. I have three homes. I have two other loans that have been sold multiple times. I have never before been late on a payment. This is the first time that I have experienced such horrible practices. Due to them, I was late by 37 XXXX days on a payment. I had NO idea this was outstanding. NONE. They have been terrible. I would love to switch loan processors but of course I can't. They then reported me to the credit reporting agencies because they failed to tell me their was a payment they didn't receive. I will never do business with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2023-02-28
Company: EQUIFAX, 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 non-monetary relief
Consumer complaint received 2018-12-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In my review of my credit report on XX/XX/2018 Portfolio recovery associates is reporting a collection account number XXXX in an attempt to collect a debt. I have no knowledge of this account. Portfolio recovery associates is in violation of the fair credit reporting act FCRA, by reporting a collection account to the credit bureaus in an attempt to collect a debt without notifying the consumer. This has hurt my ability to obtain credit and has damage my credit score.

Company response to consumer: Closed with explanation