BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Companies : Wells Fargo, XXXX, XXXX  Date : XX/XX/2018 Subject : Event ticket scam facilitated through XXXX Amount : < {$300.00} Problem Summary : Actions and Inactions which facilitated scammer protections I was a victim of an event ticket scam where I transferred money from my Wells Fargo account via XXXX  and the seller went dark as soon as the transaction was done. The sellers account was at XXXX. I called Wells Fargo and explained there was no fraud or mistake on the part of Wells Fargo in the sense that I knowingly transferred money through XXXX. I was surprised Wells Fargo credited my account - they explained that the money would be reversed if there was no " fraud '' ( or some such concept ). This was claim XXXX. I followed up several times, not so much for the money, but because I wanted the scammer to be stopped. Wells Fargo eventually closed the case and deducted the money from my account that they originally credited as they found no evidence of wrong on their part. Well, no kidding - alot of wasted time & frustration all around - While Wells Fargo had no obligation to make amends, the situation was what I explained at that first call. I pressed them for options on what to do and they said there were none. They did disclose to me that the name I specified on the transfer was *not* correct but obviously the email address was correct.

I didn't care about the money so much but wanted justice for the perpetrator.

I contacted XXXX through their support portal stating that this perpetrator was in violation of their end user agreement - that you would not use XXXX  for illegal means- but did not even get a courtesy of any reply.

Why is it that financial privacy laws are allowed to protect people that use their services for illegal activities such as this?

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 2020-12-14
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: Investigation took more than 30 days

Complaint:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2019-06-22
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The transworld/ XXXX XXXX debt is a debt.from 2012 and i was told by XXXX XXXX it would be off.my credit after 6 years and that they would nkt try to collect on it anymore. Now i have it on my report again and its past 6yrs and should not be there and now they wont remove it. Please remove this time barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have attempted to contact XXXX XXXX XXXX numerous times to stop automatic withdraws from my checking account. I've gone to multiple gyms to try to get this stopped and have paid fees to break the contract of {$100.00}. Yet again the company won't stop charging my account, This has been a reoccurring pattern with this company. 

In XX/XX/XXXX the company was informed by me and my wife that we would like to put our membership on a hold. The manager of the gym told us that it would be done, yet he did nothing. We were charged for 5 months of excessive dues of XXXX a month. Eventually after calling their headquarters office we were able to get the membership on hold. 

InXX/XX/XXXX we attempted to cancel our membership once and for all. The manager said that it would be done. Yet again we are still being charged {$43.00} per month. 

Finally on XX/XX/XXXX we went to a different gym and spoke with a different manager. We paid {$100.00} to break our contract, and promised that we wouldn't be charged anymore. On XX/XX/XXXX we were charged again for {$43.00}. 

I am in the process of attempting to collect receipts for the {$100.00} fee paid and the copy of the contract.

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 2020-04-30
Company: CITIBANK, N.A.
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: Old information reappears or never goes away

Complaint:
In XXXX, I applied for XXXX XXXX card financed through Citibank. In XXXX, I applied for ExxonMobil card financed through Citibank. I was denied both times for previous internal records for previous bankruptcies over the statue of limitations. I was told to contact credit bureaus, which there are no records

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 2019-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 accounts ARE NOT MINE..I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.XXXX XXXX   XXXX ( ORIG CREDITOR : 06 XXXX ), XXXXS ( ORIG CREDITOR : 11 XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 11 XXXX  ), XXXX XXXX XXXX ( ORIG CREDITOR : 07 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 2019-10-09
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am currently managing a XXXX not for profit, XXXX XXXX XXXX, we have a company Banking account that has ZERO servicer fees, NO minimum balance requirements - essentially a free bank account. Recently I noticed a " Service Fee '' of $ XXXX/mopnth appearing on mu statement. I went into the local BB & T Branch and asked why were received fees. The answer I got was suspicious and appeared to be fraudulent on the banks ' behalf. Apparently the fee is for Checks that we write, where they image the check to the statement, this not something we enrolled in, rather they do it and charge us for it regardless if we havea check written or not.

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 2020-04-30
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a XXXX XXXX XXXX visa. 

It transferred to commenity. 

Since transferring to commenity they have : 1. not sent me a card and demanded payments with no way to access the account and no notice that I was transferred from either bank. 

2. Gave me the work around and placed the blame on me every time I call customer service. 

3. Raised and adjusted my interest rate from 21 % to almost 25 % on a whim. 

4. Lied and said that my interest rate was higher In XX/XX/XXXX ( when I didnt have the physical account ) and they lowered it. 

5. Refused to remove a false delinquent account error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I sent TransUnion a letter requesting validation and verification of the accounts on my credit report TransUnion sent 2 broiler plate letters along with a post card all computer generated and not signed by a natural person, their is no method or process for verification or validation furnished in the communication and I did not receive any proof of verification or validation. The inaccurate information contained in the credit file has misrepresented my true credit history and it has prevented me from be able to purchase house or receive a loan to attend college.

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 2018-11-09
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I spoke to XXXX today and she said that the chase can't refund money because the time has passed and I talked to manager XXXX she said will look in to account and get back to me and according to her, I had given every bit of detail with CHASE EXECUTIVE OFFICE, they gave it to the dispute manager and they just followed based on what they said. Apprently there was not time spent to LOOK IN THE DETAIL LATTER THAT I SUBMITTED. XXXX said she will look at it. I still want to fail a complaint cause of the unfairness of the treatment and no intergrity in reviewing the calls by the EXECUTIVE CHASE. 

CHASE Case Number XXXX And I have attached " XXXX.pdf '' with detailed story of my concern and dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-30
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: Account information incorrect

Complaint:
The 3 Credit Agencies ( XXXX, Experian, and XXXX ) are reporting incorrect late reportings on my credit file. I was never late on my student loans. The following information is reporting inaccurate on my credit files. 

Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$3600.00} Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$3200.00} Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$1200.00} Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$880.00} Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$2300.00} Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$1300.00} Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$2100.00} There is inaccurate bankruptcy information that is reporting on my file : I contacted the US Bankruptcy Court and they informed me that they do not provide information to the credit agencies. So the information that is reporting on my credit file is incorrect. This is not my bankruptcy information. Please verify. 

There are also several inquiries that was not authorized by me : 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

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 2019-06-22
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 fraud alerts or security freezes

Complaint:
I call experian experian on XXXX thru XXXX to removed a fraud alert, they asked questions that doesn't apply to me, I told them the questions dose not apply to me they said I didn't pass, they just keep giving a hard time to get a fraud alert remove for an auto, I need it to be removed asap, I sent in a request to have it removed, they are still giving me a hard time for my personal information, I need to be removed permanently, they don't have the right information for asking questions that pertain to me.

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 2019-06-22
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) IS NOT MINE..I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account

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 2019-06-22
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On or about XX/XX/2019 I noticed that this company put a collection on my credit report. Not have being contacted by them or the original creditor I called to see who they were. I was told to pay and I specifically asked if they would then remove the issue from my credit in which they say they would they even sent a letter saying it was paid. no where does it say for a settlement or anything else well they are now refusing to remove the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TransferWise Ltd
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi, This is a continuation of a complaint ID XXXX. Please reopen the case since I have new findings : This isnt about fraud, Its about a financial Institution that should have a fiduciary duty to customers. 
I flew to XXXX to meet with XXXX bank in person and further investigate the case. 

The customer care agent was totally understanding and willing to helpwithin the banking regulations of customer confidentiality. 

She confirmed that neither the address or the name of the beneficiary matches the account XXXX. Furthermore, she directed me to the branch location where the account was open. She advised me to meet with the branch manager. 
The branch location is XXXX bank XXXX XXXX XXXX XXXX XXXX The branch manger, XXXX XXXX XXXX confirmed the following : - The account name is not in the name of Cosal Interiors - The account address is not the one in Wise receipt. 
- The bank has never received any request or any corespondents from XXXX or any other financial institutions to return the fund. Even if it was directed to any other department, it would have arrived to him since the account is in his branch. He mentioned Have I received a request from the sending party, we would have refunded the amount since neither the account name or number matches the XXXX. 

He refused to send me the above in writing since Im not the account holder. However, he said that he can put that in writing if a formal request from the sending party was addressed to his bank through the proper channels. 

Based on the above facts. Please consider the following : - XXXX should have been acted as a fiduciary to protect their customers by making sure that the XXXX, address and account name matches what I provided. 
XXXX XXXX falsely claims that they have attempted to recover the funds but they never did. 
Please find a link to : - The branch manager business card : XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX - Fax XXXX XXXX XXXX XXXX : XXXX -Videos of my conversation with the manager. Its in a bad quality but it its a best I could get. XXXX sure we can suppena him or depose him if needed. He doesnt speak English, his assistant was translating for him. 
XXXX XXXX XXXXXXXX? XXXX I appreciate looking at this case from a different perspective and not to treat it as a fraud case. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
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: Credit inquiries on your report that you don't recognize

Complaint:
I request a credit report from Experian and find that there are 3 inquiries that I did not recognize as followed : XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX ME XXXX ( XXXX ) XXXX XXXX Address ID # ; XXXX Date XX/XX/XXXX Reason Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX/XXXX XXXX No phone # available Address ID # : XXXX Date XX/XX/XXXX Reason Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX XXXX Address ID # : XXXX Date XX/XX/XXXX Reason Business. This inquiry is scheduled to continue on record until 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 2018-11-09
Company: Experian Information Solutions Inc.
State: LA
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:
Experian is now at the point where they are playing a game. I disputed items, and I submitted documentation. On one occurrence they ended the despite, without get a response from the companies involved. On a second occurrence they ended it, via their own means. I am now on the third round of disputes pertaining to student loans, multiple reporting of same debt, duplicate trade lines, and accounts that do not belong to me. Upon calling I was basically told by Mrs. XXXX if that is her real, true, and correct name that if I want to file a complaint, I can wait. They have now extended the time Period out for the disputes, to the end of the month XX/XX/XXXX when they should be completed by XX/XX/XXXX. Also they have been uploaded supporting documentation on 2 other items, and have blocked my ability to dispute online. They will not open the dispute over the phone, because I have dared to file a complaint with the CFPB. In the other cases that where filed with Experian, they gave a generic answer to close the complaint out. Please explain what a frivolous answer is going to do to help anyone? So any company can come on this site, give a bogus answer, and get released from responsibility? 

I hope this gets reviewed by a real person. I also hope the other complaints are reopen. They have no legal right to violate the FCRA. I should not be penalized, because I dared to file a complaint on them, when what they where doing was not only illegal, it was immoral. 

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 2019-08-19
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was going to file bankruptcy but missed my hearing and was eventually dismissed therefore not in effect XXXX case number bankruptcy reported XX/XX/2018 name XXXX XXXX but it still reports on my credit as if i had completed the bankruptcy

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 2018-11-09
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:
I am an identity theft victim, I had an account with XXXX XXXX XXXX XXXX deleted from my credit report in late XXXX, early XXXX. I recently discovered that the account has been added back to my credit report. In accordance with the requirements of the FCRA Transunion was supposed to notify me within 5 business days of reinserting the account, but failed to do so. I demand the immediate removal of the account from my credit report. This is the second fraudulent account that has been reinserted and I will be seeking legal counsel if I do not get this resolved.

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