BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-22
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Our granddaughter XXXX XXXX XXXX contacted us this morning concerned about a withdrawal she had made from XXXX. This is college account we had opened for her. She thought she should have received yesterday, we received this morning at about XXXX. XXXX asked the check be deposited in her Wells Fargo account, XXXX XXXX XXXX XXXX, XXXX XXXX, CO. The check was made out to my husband XXXX, he signed it, made out a deposit slip with XXXX ' account number and presented it to the bank. He was told the bank could not accept third party checks. XXXX went to our XXXX XXXX and cashed the check. With cash, {$3900.00}, in hand he went back to Wells Fargo and was told they could not accept the cash without XXXX present because there was no history of the cash and there was no way to trace. Without argument he went to the college, met XXXX and paid the tuition. Not being happy, called Wells Fargo Customer Service, spoke with XXXX, ( XXXX XXXX ) I asked to speak with a manager, he said he would if I explained my concern. I told him and he said my husband was given the correct information. I are repeated my initial request. I was transferred to XXXX. XXXX explained it was a Federal reg which all banks have to follow. I asked for the req number so I could contact my Congressman. He put me on hold and told me he was incorrect it wasn't Federal by banking policy. I asked if he knew the reason as he had explained he was in the executive section of Wells Fargo. He didn't know. He did say the reason was probably due to fraud or counterfeit. I asked he transfer me to someone in a higher position. He said there was no one higher ( I believe he said this ). I stated there is always someone higher and he transferred me to XXXX ( XXXX XXXX ) I explained, she gave me generally the same answers. I asked if they suspected my husband of fraud or counterfeiting why weren't the police called. He had in had American money, not foreign from our bank. He was making a deposit into the bank, not taking any money out. He would have left any info. He was not a member of any carter or mafia. I find this utterly ridiculous. I asked for the person ( people ) who had made this policy. XXXX explained because of the banking mess ( my word, not hers ) several years ago banks made this decision. I still don't understand. She told me there isn't anyone I could speak with. So I asked for a banking commission or something. She told me of CFPB. Is there an answer why Wells Fargo or as I was told any bank not accepting cash for a 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 2019-08-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am faithfully paying the account with this company..Incorrect late payments on XXXX and XX/XX/2018, not 30 and 60 days late.. Please reverse the late payments, i have a good relationship with this company 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 2021-04-02
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX ; Experian and XXXX should not be reporting the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The date of my final divorce decree was XX/XX/2010. Please reference Section 8 on the attached copy of the decree. It states : the home was supposed to be refinanced or sold in 6 months. This account is well over 6 months old and should not be reporting at all on my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus multiple times to remove this account however, I have not been successful.

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 2019-02-22
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, I have contacted Resurgent Capital about a debt from XXXX XXXX XXXX Account ending in XXXX. I have spoken to a representative in regards to the account. Previously, there was a dispute on the account, since all of the credit reports says LVNV funding, not Resurgent. The account has been through several companies, such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I have contacted Resurgent Capital. I have previously requested information in regards to the account, and to obtain a letter, prior to payment that the account will be satisfied and paid. Previously, I have asked for validation, such as a signed agreement and contract with them, but I have never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: ASSOCIATED BANC-CORP
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Associated Bank continues to report a closed, paid in full account as currently 30-59 days past due on my credit reports. The account is paid in full so nothing can be currently late. The bank keeps saying they are reporting correctly yet when I asked what I need to pay in order to bring this account to a current status, I'm told nothing is owed since the account is closed. I know this, since I paid the account in full. I can't say enough that the account is paid in full. Since Associated Bank keeps countering that they are reporting correctly, I ask they specially answer the two questions as part of their response to this complaint so it is on the record here : 1. What is the balance on this account? 2. What is the current amount owed to bring this account to a current status? Since the bank is reporting the account as 30-59 days past-due that means a payment is necessary in order for it to be brought current which I then need to pay. If the answer to these two questions is anything other than zero, than the bank needs to correct my credit reports to reflect that the account is not currently 30-59 days past due. I also demand the bank send me any information regarding the arbitration clause that may be associated with disputes regarding this account as that is going to be my next step. If there is not an arbitration clause than the bank should advise so in their response here. A copy of the reports in question are attached with the current payment status section circled in case the bank needs assistance in reading the obvious.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
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 never been to Texas. I have never used XXXX XXXX. I have no idea what this is about, and Experian didnt do anything about it.

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 2019-02-22
Company: Experian Information Solutions Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Experian is Reporing a fraudulent loan from XXXX XXXX XXXX   account # XXXX. The account was blocked by Experian around the date of XX/XX/XXXX. Experian reinserted the information around the date of XX/XX/XXXX I still have not received paperwork informing me of reinsertion FCRA rules are a consumer must be informed of reinsertion with in five days its now XX/XX/XXXX and I still have not received paperwork of reinsertion. I know the item was reinserted because of credit monitoring service. Im seeking the help of the CFPB, FCRA, and my consumer attorney in the pursuit of relief from Experian for not only reinserting fraud on my report, that has a FTC   fraud report and attorney general report. But also for not informing me of reinsertion with in the 5 days given by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My old student loans from XXXX and XXXX continue to show up on my credit report in error. I am in the process of having my remaining student loan forgiven through the PSLF program.

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 2020-04-23
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: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$23000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The motorcycle was stolen shortly after it was purchased. I had full coverage and the insurance covered all costs associated with the theft of the motorcycle. There is no outstanding balance to report and consequently there is nothing to chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
on XX/XX/18 at XXXX I tried to get my credit scores from trans union and XXXX.

trans union link directed me several " security questions '' and after that to a pay website where I need to give my credit card to get the score. I declined.

XXXX website link directed me several security questions that were vague and used wording like bank card instead of credit card to mislead. After that step the website just prompted that they can not give me the score online and that I can only do it via regular mail, where I need to fill out an attached form along with the Social Security card Pay stub with Social Security number, W2 Form, Driver 's License, Rental or lease agreement/house deed, Pay stub with address, Utility bill ( gas, electric, water, cable, residential telephone bills ).

it looks like these companies go to great lengths to get money from the customers that need their own credit score.

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 2023-02-10
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy 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 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 2019-02-21
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian put a fraud notice on my credit report Ive tried for over 1 month to get it deleted! 
Experian make it so difficult to delete this unwanted message. The website never work when it comes to uploading documents! 
This unfair practice is put in place to force their brand and services on you! I deleted the fraud notice with the other 2 credit reporting agencies with no problem! Experian has cause me unnecessary problems with this unwanted reporting! Is there a way to launch a class act lawsuit? Im sure you get this complaint a lot!

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 2018-10-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo has been escrowing my account for Texas Wind and Strom Insurance ... where I had no Texas Wind and Storm Insurance since XX/XX/2017..I was told my insurance company ... so Wells Fargo not only XXXX me for the money they collected for taxes ... where I told them and sent documentations that you can't charge me for taxes..I 'm XXXX percent XXXX XXXX XXXX Veteran ... no they took it upon themselves to escrow the Texas Storm and Wind insurance where there was nothing there to escrow ... it's called embezzeling..and fraud ...

I've called them..and this people play stupid ... I'm tired of it..dealing with idiots ...

I paid for my Texas Wind and Storm Insurance where they can't take it out in escrow ... at the tune of {$1700.00} dollars ... My insurance company is XXXX ask for XXXX she is in charge of that insurance ...

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 2019-02-21
Company: Experian Information Solutions Inc.
State: NV
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 contacted XXXX in regards to two 30 day late payments that were reported on my credit report. I was, in fact not 30 days late. I received a form letter from XXXX that indicated that they ( XXXX ) report any payment made after the 29th day - which the letter continues to state is the " industry standard ''. I have tried to no avail to get this information corrected, when in fact the payments posted prior to the 31st day. I have submitted disputes through the credit bureau and company directly to no avail. 

I also pulled the contract that I signed and the previous statements. At no time does XXXX indicate or disclose that or notify any customer that they report any payment made after 30 days which in their opinion is industry standards. 

I need assistance to obtain resolution.

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 2023-02-06
Company: SANTANDER HOLDINGS USA, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Santanderbank is not allowing me to make payments and they are requiring to call and provide Checking Routing numbers which is very unsafe.

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 2018-10-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2018 I used my American Express Serve card to issue a check payment for {$1300.00} for the payment of my nephew 's rent. American Express Serve then stated via their website that the payment would be mailed out on XX/XX/18 and that the payment was guaranteed to arrive on XX/XX/18. On XX/XX/18 I received a phone call from my nephew 's landlord and she stated that the rent check was not received as of XX/XX/18 and since then I have spoken with her two additional times and as of XX/XX/18, no payment had been received by her. On XX/XX/18 I called American Express served I requested they place a stop-payment on the rent check and issue a credit to my Serve account. They initially stated on XX/XX/18 that my account would be credit on XX/XX/18, on the XX/XX/XXXX I called American Express Serve to tell them my account was not credited, they then said I would be credited in 10 Business days or up to 45 days. Every time I call they tell me a different estimate of when I will receive my money back, even though the check they mailed out has never been received or cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: BMW Financial Services NA, LLC
State: NV
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 contacted BMW in regards to two 30 day late payments that were reported on my credit report. I was, in fact not 30 days late. I received a form letter from BMW that indicated that they ( BMW ) report any payment made after the 29th day - which the letter continues to state is the " industry standard ''. I have tried to no avail to get this information corrected, when in fact the payments posted prior to the 31st day. I have submitted disputes through the credit bureau and company directly to no avail.

I also pulled the contract that I signed and the previous statements. At no time does BMW indicate or disclose that or notify any customer that they report any payment made after 30 days which in their opinion is industry standards. 

I need assistance to obtain resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$440.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$440.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I sent a letter out on XX/XX/XXXX, XXXX here is my tracking number Equifax XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681 Section 602 A states I have the right to privacy. Also, according to 15 USC 6802, No Financial Institution is not supposed to share my information with third-party people. 


This XXXX a clear violation of my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation