BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019, I found an ad on craigslist offering " last minute XXXX tickets '' for a very discounted price. The seller sounded very nice over the phone and provided me with a plausible explanation as to why he could not attend this event. He said to me that we could do a smooth transaction via XXXX meaning that I will send him funds and he will email me his tickets right away. I know that XXXX works with all major banks including mine ( Wells Fargo ), so I assumed that it will be handled as any other bank transaction which is subject to consumer protection. 

Unfortunately, once I paid {$400.00} the " seller '' disappeared. I called Wells Fargo 10 minutes after this transaction went through so they could stop or freeze the funds. Instead of that, they told me that there was nothing they could do, they did not even bother asking any details about this person so they can alert another bank where my money went to. I told them that I was defrauded, that I never received the tickets I paid for, they just simply did not care! Total ignorance on their end! As a bare minimum, they could have tried contacting a bank where my money went to and dispute it! No, nothing was done to return my funds! 

They ENDORSE this XXXX service, so they must give a clear disclosure to their customers that the money transfers are not protected against fraud, scam, etc. Yes, if fact, if you go to XXXX website and do a comprehensive online research you will find those disclosures, but, who would do it in such extent when this service is widely advertised and approved by your bank???? I am just an ordinary person with a minimum knowledge of banking system. I know that all my debit/credit/Pay Pal transactions are protected against fraud, so how would I know that this XXXX service is different???? 

The only reason why I used XXXX is because I was in total reliance on my bank that it will step in and dispute it in case something goes wrong. I have been their customer for 20 years, I have my mortgage, saving, checking, XXXX with them, you name it. This is the first time I ever filed a claim with them and the last thing I expected was the attitude like this. Not only they don't care about the online scam that happens every day, but they support it by their total ignorance and lack of desire to investigate the problem. 

I just want other consumers to be aware that If something goes wrong with their money they won't be protected by Wells Fargo by any way, shape or form. Wells Fargo should either have a system in place to protect their customers against fraud or, if they don't have this ability, then DON'T ENDORSE OR ADVERTISE this service to your customers, one way or another!

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 2021-09-14
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have over a 90 day period dispute these account to remove accounts with credit bureaus. Due to many inaccuracies. I sent a demand to comply letter. My letter to the Credit bureau have gone unaddressed within 30 days. The credit company is not complying with their own policies in a timely manner. I need accounts ( see attachments ) to be removed from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with XXXX XXXX XXXX XXXX Balance XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it may concern. This is in regards to a XXXX 's XXXX credit card ) With XXXX  XXXX I Did not request nor applied for. I XXXX XXXX of Mailing Address XXXX XXXX XXXX, XXXX S.C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated it was open on XXXX XXXX XXXX, It went Delinquent on Month of XXXX XXXX. I Understand from XXXX XXXX that They sold the account to a collection agency. At no time Did I receive any correspondence from community During year of XXXX. Only when I started trying to apply for buying a house and property did I find out My credit scores were not up to par. As I was taking care of one thing or another then discovered the debt I had with XXXX XXXX This is the last thing on my records that have hurt my credit at this point. I followed all thee rules to submitting complaints, Investigations Follow ups with calls and correspondence 's. I have taken the correct actions for a reasonable resolution for both parties I have many dates of call and correspondence and times of calls whom to and what departments and gist of calls. and certified letter return receipt signature requested. with Correspondence with XXXX XXXX XXXX XXXX I can provided dates and times of all calls and correspondence if requested. End of XXXX XXXX numerous calls back and forth with XXXX XXXX And XXXX XXXX. XXXX Bank states They Bought The account from XXXX XXXX and XXXX XXXX stated they did not. XXXX refuses to communicate with XXXX and Visa Versa and XXXX XXXX my account is in sales Dept This is on going Bull XXXX and I am tire of putting up with it XXXX XXXX XXXXs wrong for not opening up diologue with XXXX and XXXX the same. XXXX XXXX has declared fraud. and sent number of times to credit Bureau XXXX will not correspond with credit bureaus or XXXX nor will they clear up matter in timely matter. I attempted to work with Local Law enforcement The refused unless XXXX XXXX or whom ever creditor submitted initial investigation first. This I did not wright down date or times on this and this is my fault. XXXX now sending me more paper work, When does this end. I want to just give up but paying what I do not owe will still not clear up my credit. XXXX encourage to file a report with you. 

XXXX XXXX. # XXXX Amount owed XXXX U.S A Dollars Phone XXXX There Address : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX : XXXX 's Account P.o. Box XXXX XXXX XXXX XXXX XXXX ending in XXXX Referance Number XXXX XXXX XXXX and XXXX and XXXX in XXXX XXXX or XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed this information and they keep reporting this account on my report. 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 2022-01-16
Company: Synovus Bank
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
First Progress Cards are PREDATORY LENDERS. This card was advertised to me through XXXX XXXX. I applied for this secured credit card on XX/XX/XXXX. I made a {$500.00} payment to them in exchange for {$500.00} worth of credit. The initial email said that if approved I would receive my card within 7-10 business days. On XX/XX/XXXX I received an email stating that they needed more documentation in order to approve my application, which is CRAZY. I have numerous credit cards, a few of which have limits in excess of {$25000.00}. None of those cards required me to submit ANYTHING to be approved and they are not secured cards. It is very suspicious that they would require additional documentation in order to loan me MY OWN MONEY. Well, it turns out that the the email they sent requesting more documentation does not have a link to upload the documents. There is literally no button to click on. There is no way to speak to a person. The only way to communicate with them is by writing a letter and mailing it to some random po box . I have the " thank you for your payment '' email from this company. There is no way that they should be allowed to do this to people who are already in financial turmoil.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: National Enterprise Systems, Inc.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector has been contacting me for collecting a debt that is over 11 years old. I sent a verifacation of debt letter and this company failed to provide any of the information I asked for. Which you 'll find in the attached document. I have no contract with this company, nor have I given this company permission to obtain any information of the Debtor they are persuing, under the ucc1 financial and ucc1 security agreement filed. Now they are harrassing 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 explanation
Consumer complaint received 2017-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
There is no communication between the app and my bank! It is very important that the bank have communication with the app company.

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 2018-01-08
Company: Experian Information Solutions Inc.
State: CO
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:
EXPERIAN is reporting the following accounts with incomplete and inaccurate information. 

XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX Reporting the accounts with no DATE of LAST Activity -- -- -- -incomplete Reporting the accounts with worst delinquency as CHARGE off -- -- -inaccurate REPORTINg 90 days late XX/XX/XXXX7 -- -- -- -- -- -inaccuarte REPORTING PAYMENT HISTORY AS XX/XX/XXXX FAILED TO PAY -- -inaccuarte

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 2017-07-28
Company: EQUIFAX, INC.
State: CA
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:
XXXX Inquiry from XXXX XXXX, 2017 Initiated a hard pull using my social security information when this was not authorized. Institution should be looked into for further investigation. The date of which this was initiated was not consented. Spoke with institution and they would not assisting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: EQUIFAX, 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 XXXX/XXXX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within in 30 days gives reason to immediately remove those items from my credit report. Currently it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hand of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX charges that caused overdrafts. To the tune of {$480.00}. The initial XXXX was {$26.00}. No correspondence regarding insufficient funds and/or fees. Next thing you know, PNC steals the {$480.00} from my daughters account while she was overseas. No correspondence. No email, letter, or phone call. My daughter returned to the USA to discover the missing funds. She reported it stolen to the bank. After much research, we found out the bank helped themselves to my daughters money to cover the ridiculous fees my son had been lumped with. Funny, they could n't take {$26.00} out to rectify the situation. 2 months of going into the bank, calling the bank, and waiting I was told that what they do was ok in their book. I think it 's illegal and theft. Worst bank ever

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had opened the BMO Harris account successfully. But some or the other way I am getting a lot of messages from BMO Harris bank that something is missing? I was asked to provide the signature card - which i provided and they got it. But still they keep on saying that something is missing and they will close the account.
When you call them at this toll free # and chat with them - they have no idea. I have no idea what 's going on.

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 2018-01-08
Company: Exeter Finance Corp.
State: NJ
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 purchased a used XXXX XXXX XXXX paid off on XX/2017and I never received the title of the car. EXETER FINANCE claimed that the car title was sent to a secondary address, which never was received. I Called and requested the car title to be sent to my primary address and I never received, either. EXETER FINANCE explained that was sent several weeks ago, before the holiday season started. But, I am still waiting for the car title.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: JPMORGAN CHASE & CO.
State: TX
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 bought a new XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX in XXXX. 
I paid the loan in XX/XX/XXXXbut chase financial never release the title. 
I contacted chase several time with no resolution. Each time they told me they will release it but nothing was done. 
Now I moved to another state and I can not get the registration in the other state because I do not have the title. 
I will be obliged to rent a car since I can not use my car

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Today XX/XX/2019 Chase bank closed my account, when I called to figure out what was going on and why they closed my account they said they didn't have to give me a reason. I live 100 miles plus from a Chase bank all the money I have was in that account. I tried to talk to several people and they all said the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: EQUIFAX, INC.
State: ME
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:
This account was never late - It was a deferred payment and was approved for deferremnt by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
This account was never late - It was a deferred payment and was approved for deferremnt by them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX services is reporting fraudulent information on my credit report. I have sent proof of payment to both XXXX XXXX services and experian on four separate occasions proving that I have never been delinquent in the month of XX/XX/2019. I have attached proof of payments from XXXX, XXXX, XXXX, XXXX and XXXX showing I have been consistent in making my payments on time. I have attached CC payments with confirmation numbers and a cancelled check as proof in the description of the Request for Complaint with the Department of XXXX XXXX Services. I am kindly requesting that you please look into this matter, as it has caused a blemish on my credit report as the Department of XXXX XXXX Services is incorrectly and fraudulently reporting to the credit bureaus a 30 day late on my report despite my proof. 
Please see attached.

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 2019-04-30
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Used my debit card to make several purchases on XXXX. This made my account negative by XXXX. Went and deposited XXXX on the same day which brought my account positive XXXX. On XXXX I checked my account and it was negative XXXX with a XXXX nsf fee. Regions apparently decided to take the debits out before adding the deposit. This is wrong and deceptive. Its the same reason you guys fined them millions of dollars several years ago. Regions keeps doing the same thing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
They keep telling me different amounts i owe. Like i dont make enough money to pay XXXX $ a month nor does my cosiner. The keep lying about not being able to do anything and they keep lying about being able to lower my private student loans. Navient is the worse XXXX i have ever borrowed from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: ALLY FINANCIAL INC.
State: ME
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:
This account was never late - It was a deferred payment and was approved for deferremnt by them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Experian Information Solutions Inc.
State: ME
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:
This account was never late - It was a deferred payment and was approved for deferremnt by them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: CT
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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation