BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/18 I received a consumer report from XXXX ( XXXX XXXX XXXX ) after funds being placed on hold being denied the ability to open a checking and savings account at a financial institution. On the report, Wells Fargo erroneously reported 9 different accounts. Some accounts were opened and closed within less than a week to 30 days while others were open for at least a year. In addition to that, Wells Fargo left a notation stating that the accounts, as they seen it, were deemed as fraud due to fraudulent actions in my behalf. I immediately contacted Wells Fargo by calling the customer service number to get n explanation and gain clarity at to how theses accounts were open that I did not authorize. After being on the phone for over 3 hours and going thru the verification process Wells Fargo Executive and Claim team  advised me that the accounts were in fact not mine and they would contact XXXX to have any and all accounts and comments removed from XXXX. In addition to that I have several case numbers and claim numbers to prove what I am saying as factual. Unfortunately, I don't have 3 to 5 business days as my funds are being held. So this is why I am filing a complaint in addition to having this on file and record of all actions I have taken to resolve this matter. 
ID THEFT Case # XXXX ( Fraud Claim in Executive Fraud Dept ) and Case # XXXX ( Claim Mgmt )

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 2021-08-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2021 Portfolio Recovery Associates llc Att : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX VIA USPS CERTIFIED MAIL Re : Account Number : XXXX & XXXX Dear XXXX XXXX XXXX : I recently pulled a copy of my credit report and notice your company is reporting 2 derogatory information there. I did not receive any initial communication of the alleged-debts. Please be advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, ( 1 ) the name and address of the original creditors, ( 2 ) copy of the oral or written request or application for the alleged accounts, ( 3 ) copy of a signed contract or signed agreement with the alleged original creditors, and ( 4 ) previous 12 months of statements of account if any. Your company is illegally attempting to collect an alleged debt and money that I do not owe. As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive all related information. If you fail to comply with this letter, I intend to turn the matter over to an attorney. 

Sincerely, XXXX XXXX XXXX ( Authorization to Release Information ) cc : Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute was sent on XX/XX/2020 and 30 Day demand to comply sent on XX/XX/2020.

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 2021-07-13
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I had an account with Suntrust Bank opened XX/XX/XXXX. I paid the balance of the account off in XX/XX/XXXX with a deposit of XXXX. I opened a new account with Suntrust 1 1/2 years ago and had a dispute in which I made a cash deposit and did not get the credit for all of the cash so they filed a dispute, discovered I was correct and reversed fees and sent me a letter. 
Now all of a sudden they send a collection over to XXXX XXXX XXXX XXXX indicating that I owe XXXX. I called Suntrust Saturday XX/XX/XXXX and they said I had to call this creditor. I just spoke with creditor XX/XX/XXXX and they said I made a deposit of XXXX in XXXX and then Suntrust added on XXXX in fees and then added a XXXX collection fee which makes the sum total of XXXX If I had an outstanding balance with Suntrust ( which I did not ) why did they open a new account for me in XXXX? I NEVER received anything from Suntrust since I made that final deposit of XXXX re account ending XXXX. 
I attempted to reach the department that handled my dispute XXXX and just keep getting looped through automated system.

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 2022-08-09
Company: ALLY FINANCIAL INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was in process of buying a home and my mom had sent me {$10000.00} on XX/XX/2022 to help with the down payment and closing costs in the form of a regular bank transfer. The mortgage lender had already verified all of my funds and the loan was clear to close on XXXX. On the day of funding, XX/XX/2022 I set up wiring instructions with Ally bank to wire the money to the title company so that they can record it and my loan would close out. 

I successfully put in the wiring instructions and got multiple email confirmations of it from Ally. Out of nowhere, I get an email from the bank 's " loss prevention '' department asking me to call them. I call them, and they begin questioning my deposit, saying that the deposit " didn't have my name on it '', but instead read " XXXX XXXX ''. I explained to them that my mom sent me gift funds for my real estate transaction. They said they needed to verify that those funds did in fact belong to me. 

My concern is, why did they wait until they realized that they were losing {$10000.00} to decide that they wanted to " investigate '' my banking activity? They had over a week and a half to question me about my " suspicious activity '' but waited until they saw that I was transferring money out of my account with them to question it. The last time I spoke with them they were telling me it could take up to 90 days to straighten this situation out. I don't have 90 days to wait for them to give me my money back! 

They now have me locked out of my account and will not release my funds to the title company. I'm facing losing the home that I was supposed to close on and losing my earnest money deposit. This is clearly bank fraud. I clearly explained to them where the money came from and why it was there, and why it was leaving. All of this information was verified by the lender. 

It's my belief that Ally bank blocked the transaction from going through and is not allowing me to access my money because they fear a decline in their company 's balance. They have caused serious injury to me and my family and their practices need to be investigated.

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 2020-08-22
Company: BMW Financial Services NA, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX is reporting me as 30 days late in XX/XX/2020 which is not correct. I thought I was given a deferment due to COVID-19 and that I couldn't be marked as late. Please help me fix this and get it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: DISCOVER BANK
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 came to know today my credit score suddenly dropped 30 points and I saw there was a hard inquiry done by XXXX XXXX XXXX on XX/XX/XXXX without my permission. So I am trying to report this as fraud hard inquiry was being done without my permission. I need to remove this hard inquiry from my credit reports. 

Another hard inquiry done which was fraud which I already reported long back was done by XXXX, XXXX done on XX/XX/XXXX. 

Need to remove these two hard inquiries from my credit reports of all three major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26
Company: Experian Information Solutions 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:
On XX/XX/2018, I mailed Experian a certified letter regarding the Fair Credit Reporting Act, section 611 ( a ) ( 7 ). I said that I was entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information and the telephone number of such furnisher. 

On XX/XX/18, Experian sent me back a form letter not providing me the required information.

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 2021-07-13
Company: TRUIST FINANCIAL CORPORATION
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: Card was charged for something you did not purchase with the card

Complaint:
We starting getting phone calls from Truist or ( Suntrust ). At first we didnt answer because thought it was a scam. Finally, picked up phone and was informed we had been charged 3 months and they never received a payment. We were informed that XXXX had charged us for 3 months on an expired credit card. It had to be expired because we hadnt used it in five years. We didnt have one in our position. That means we didnt have any updated card. So the bank must have let them use an expired credit card. Once we found out what was happening we went directly to the bank in XX/XX/XXXX. The bank office talked to people had the charges removed. Well then we started getting collection calls and a letter that I didnt understand. So we went directly to a bank officer and explained the situation. They said that there was another charge added that didnt get removed. They expunged the charges, but made us pay XXXX which must have been for the collection agency. How does a bank allowed someone to charge to an expired credit card? XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXof 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 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Other problem getting your report or credit score

Complaint:
My credit score has been lowered by XXXX  and TransUnion approximately XXXX pts on each in the last month. I have payed everything on time, have not opened/closed accounts, used less than 10 % of my limit and have not had inquires. I called both companies and payed for their reports. Everything looks correct on them, yet they do not tell me why my credit score has been lowered.

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 2018-02-21
Company: National Credit Systems,Inc.
State: IN
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:
There are 3 different accounts on all 3 credit bureau reports that are all incorrect. I have recently sent a dispute to XXXX and I'm waiting on results. When I looked at my XXXX  report the accounts are present, but they did not show up when I tried to complete a dispute with XXXX. The problem I'm having is with XXXX. I attempted to dispute these same 3 accounts and I was told that because I have tried to dispute these years ago, I can not dispute them again. XXXX has not shown me any documentation that states these accounts are correct. What else can I do to have these accounts removed? I have no contract ( and never have had any ) with either of the companies. I am currently working with XXXX XXXX in which they have sent out several letters on my behalf only to get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Experian Information Solutions Inc.
State: NY
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:
Disputed ( XXXX ) XXXX XXXX authorized user account twice with the same result. Came back as verified but Im not an authorized user on this account. I have no knowledge of this account and I have no card/info for this account. If I said I dont know whos account this is how are they still legally allowed to have this account on my report? 

I called XXXX and they said i have to be the primary account holder to remove myself. How does that even make any sense? Dispute doesnt work so how do I get this account off my report exactly? 

XXXX removed it without an issue. Its always ExperianXXXX that gives people headaches.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Applied for the ''Amex '' Magnet credit card around XX/XX/21 declared as pending status. I called around XX/XX/21 was informed I was approved then I said now I can work on the reward to their personnel and she responded ok. Then I called Fri. ( XX/XX/21 ) I had a few questions for them in conversation they then informed me I wasn't going recieve the {$200.00} statement credit due to to many accounts open and closed in a 2 year period and that I closed one their c.c 's in the past even though it was in good standing. I then proceeded to ask there personnel why they didn't inform me of their refusal to pay me a {$200.00} statement credit on ( XX/XX/21 ) when the lady had all my personal information in their computer on that day? They didn't have an answer for that then I logged an official complaint with them on ( XX/XX/21 ) and they responded weeks later with the same reason. In my opinion this is very unfair of them not informing me from the beginning. I presently still have this Magnet credit card in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: JPMORGAN CHASE & CO.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
i have a loan with chase bank, i have since traded the vehicle and paid it off. they subsequently still ACH my account for loan payment weeks later. They have not refunded my overpayment and am told it takes 10 business days. 

They can draft your account electronically, clear checks and deposits within hours, but can't return a payment to a closed account timely? Guess they want to make money on the spread. They are electronic when it benefits them, but not the otherway around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-07
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
I originally had a parents plus loan with XXXX XXXX now owned by Navient the loan was in deferment and granted forbearance but the creditor reported the account 120 days past due on my credit report they did not notify me that the account was due until after the late payments reported on my credit report and the will not remove the late payment history the have no documentation of notifying me the loan was due or late how can I get this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
vehicle loan charged off -car was totaled and placed with the city -had 4 payments left on it -was not told that my car had been totaled. Received a certified letter from city regarding having my car. Amount about XXXX at least with late fees included

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have made several attempts via in writing and several calls to a firm regarding several accounts that were opened up in my name, which was fraudulently due to identity theft. I provided supporting documentation which included the following : 1. Affirm Identity Theft Victim 's Complain and Affidavit 2. Notary - Acknowledgment 3. Dispute Letter 4. Police Report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Conn's, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: EQUIFAX, 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:
Equifax has been non-compliant with removing the unverified account Chapter XXXX Bankruptcy Discharged Reference # : XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that Chapter XXXX Bankruptcy Discharged was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with HSBC on XX/XX/XXXX using a link that was supposed to trigger a bonus offer of 3 % cash back on qualifying deposits for the first 6 months ( a maximum of {$700.00} ). The bonus offer required account opening by XX/XX/XXXX. I submitted my application on XX/XX/XXXX and received a confirmation of my application on that day. But I received confirmation of account opening on XX/XX/XXXX. As I was concerned that I would not be enrolled for the bonus, I confirmed with an HSBC agent that I would be enrolled and I was told that I would be. Relying on that conversation, I proceeded to use the account and make deposits according to the terms. However, since then I have not received any of the cash back. It has been much longer than the 8 weeks the bonus terms say to wait for deposit. A chat agent on XX/XX/XXXX confirmed that I had made the required deposits and said they would put in a complaint about the bonus I had not received. I also called and used the HSBC secure message feature to inquire. I was eventually told that my account was not enrolled in the bonus confirmation, despite my initial confirmation. I believe I am entitled to the maximum {$700.00} bonus, but I have received {$0.00}. The bonus code is XXXX. Please let me know if I can provide any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: EQUIFAX, 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:
not reporting correctlyon my report already tried to dispute with company information not correct under section XXXX & XXXX they have not been verified

Company response to consumer: Closed with explanation