BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is not a duplicate complaint. I am a natural person and a consumer. On Monday XX/XX/2021, I received electronical correspondence ( email ) from WELLS FARGO AUTO in response to my demand to validate an alleged debt. WELLS FARGO AUTO sent me a contract which does not match any of my personal information, nor does this match my VIN. Not withstanding the proceeding sentence, contracts and monthly statements are not written statements from WELLS FARGO AUTO that should have been sent within 5 days of initial communication to allow the consumer to validate a debt pursuant to 15 U.S. Code 1692g. WELLS FARGO AUTO is not only infringing on my consumer rights and privacy rights, but is also infringing on other consumers privacy rights as well. WELLS FARGO AUTO has reported inaccurate information to the Credit Reporting Agencies about the status and payment history. Because this debt has not been verified to be an obligation, they are in direct violation of 15 U.S.Code 1681s-2 ( a ) ( 1 ) ( A ). WELLS FARGO has been willfully and knowingly not compliant with federal law and now through the discovery of their most recent correspondence they are being negligent to other consumers privacy rights as well. Providing the documents WELLS FARGO AUTO have sent : This debt is alleged and I refuse this debt.

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 2021-07-14
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My mother passed away on XX/XX/XXXX. I am a Co-Trustee and Personal Representative for her. In XXXX of XXXX, I commenced transferring her accounts having more than {$800000.00} in multiple accounts at Wells Fargo to the names of the beneficiaries. It took approximately eight ( 8 ) months to have the accounts transferred, during which time delays occurred due to non-responsiveness by the decedent 's financial advisor, documents not being sent, documents being sent to the wrong location and delay after delay. I filed a Complaint with Wells Fargo. I received a letter that the matter would be investigated. Within weeks, the accounts were established for the beneficiaries. Thus, it took approximately 8 months before new accounts were established for the beneficiaries. During that time, funds were not available for funeral expenses, insurance and real estate taxes on real property. 

On XX/XX/XXXX, shortly after the accounts were opened, Wells Fargo responded that the accounts were opened and the problem was resolved. No it has not since I can not gain access to 2 accounts. One of these accounts is an Inherited Roth IRA in my name. I want to remove the funds from Wells Fargo of approximately {$8100.00}. 

Using the Financial Advisor for another year is futile. I attempted to download the forms to withdraw from the Inherited Roth IRA,, but the proper forms were not available for download from the website. I located the forms elsewhere on Wells Fargo 's website, and mailed them 2 months ago to request a check from the Inherited Roth IRA to me. Nothing has happened. I sent the form again 2 weeks ago. Nothing has happened. Today, XX/XX/XXXX, I called Wells Fargo. I was told that only the Financial Advisor could liquidate the account. I explained the problems that the Financial Advisor does not help, he delays. The representative with a difficult accent to understand said the Financial Advisor ( selected by my mother, not me ) was the only person in Wells Fargo that could help. He disconnected the telephone call. So here I am, with Wells Fargo having taken the funds and depriving me access. 

Similarly, there is a savings account in my deceased mother 's name. I did not learn for approximately 1 year that the funds in a saving accounts are treated differently by Wells Fargo than the investments. Thus, the Financial Advisor will provide no assistance other than forwarding forms. We submitted the notarized forms to Wells Fargo to change the title to the account to the trustees 2 weeks ago. No response from Wells Fargo.

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 2018-01-27
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They called someone who I am related to and told them about my debt and how much I owe. They stated that if I dont pay then other actions would be taken.

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 2021-09-20
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This duplicate complaint identified as XXXX ' is per request from " CFPB '' representative XXXX whom I communicated with via voice contact at XXXXEST XXXX. XXXX explained that without requesting me to file two duplicate complaints it would be impossible to send the original to " Equifax '' and " XXXX '' additionally. Please know this filing is solely for the above mentioned matter and specifically addressed to " Equifax ''. 
XXXX XXXX XXXX -- -- -- -- -- -- -- -- - To describe what happened I'd like to start by explaining that the debts were originally owned by " XXXX  XXXX XXXX XXXX  '', " XXXX XXXX  '', and " XXXX XXXX ''. I'm not sure when those debts were purchased by " XXXX XXXX XXXX '', but I also didn't receive notice rather I identified negative reporting connected to my sole proprietorship on my " Equifax '', " XXXX '', and " XXXX '' accounts. I was discriminated against by XXXX XXXX who I was told was assigned to my account. I reached out to the company via email on XXXX. XXXX, XXXX  @ XXXXEST after our initial contact to create a level of understanding, but it felt from the way XXXX XXXX to me during our second conversation that my wants and needs were disregarded specifically their role in our relationship. I contacted the company a second time and did inform them of the discrimination and that I will file legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Experian Information Solutions Inc.
State: IL
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 issue is there's truly no checks and balance. I have been disputing charges on XXXX XXXX for several years Ranging from Auto loans and credit cards. I have disputed directly as well as with every credit bureau. Latest dispute is XX/XX/2018 Experian should have received. 

I called regarding why on a letter I received from their stating my report started on XX/XX/2018. They stated they need time to process either way the agent stated they already received some replies back that these items disputed the lender reported back to them. So i question how is it the lender is saying the item is mine and NOT required to send proof and they all just take the word for it. When consumers are required to show proof of their entire existence. 

Where is the accountability. When contacting the lender directly they won't speak to you because they have already written the loan off. All while reporting negative or charged off on reports. When can consumers have the ability to have lenders show some accountability.

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 2022-08-12
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/XXXX - Around XXXX I checked an old email account. I received XXXX emails : XXXX at XXXX stating " a user ID was created and associated with your account ( XXXX ) on : Date : XX/XX/XXXX XXXX XXXX ET " with Truist Bank ; XXXX XXXX at XXXX with new account summary information regarding my new accounts : Truist XXXX Checking # # # # and Truist XXXX Savings # # # #. 

I called the financial institution 's hotline and was transferred to an automated answering system. I decided to look up the nearest Truist Bank. At the time, I had never heard of Truist Bank. I then went to the nearest Truist Bank and explained the situation. They confirmed that a checking and savings account had been opened in my name. I then spoke with an account XXXX who confirmed that the XXXX accounts had been opened using my name, birth date, social security number, old mailing address and a rarely used email account. He was able to confirm that the accounts were opened online in the state of Tennessee. He closed the accounts and advised me to call XXXX, XXXX and XXXX to freeze all accounts. I have since contacted all bureaus and requested hard copies of my credit report from XXXX of the XXXX agencies. I have also begun calling all open lines of credit to inform them of the situation and have requested all new cards.

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 2018-01-31
Company: BTH Management
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Borrowed money back in 2013 for {$1000.00}. fell behind and tried to work things out, in the mist of getting funds together when I called them back they told me they lost my information and had to look for it and would call me back. They never did and I repeatedly called them to make payments arrangements yet they could never locate my account. 

The information on my credit report in incorrect, the date of last activity, the open date is all incorrect from the loan application information. I am asking to have this information verified and corrected or have the account deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Alpha Recovery Corp
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a phone call at XXXX XXXX est, by alpha recovery group on behalf of XXXX. I asked what this is in regards to ; the first gentlemen would not tell me prior to verifying my identity and then hung up once i asked again what this was in regards to. I called back to try and figure out what the was in reference to. Then, second lady did the same thing and hung up once I asked who this was and what it was in regards to : both were extrmely rude and abusive, yelling and telling me I dont know what Im talking about. I called back and reached a lady by the name of XXXX XXXX : she refused to tell me who she was until I verified my identity, even though all three times I stated I was the person they were looking for. They would not proceed until I gave my personal information. After I asked why they were calling so late, she proceeded to get rude as well ; yelling and harassing me the entire time.

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 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

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 2021-09-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Hello I XXXX XXXX have been dealing with a dispute at fifth third bank of $ XXXX. They closed my account and made it $ XXXX making my bank credit look bad. They told me I dont owe that but if its negative it reflects different

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: TekCollect Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had several XXXX pulled earlier this year by Doctor XXXX XXXX & XXXX/XXXX, PA. My husband help paid this off directly with the XXXX PA Office and ALL IN CASH PERSONALY. The debt collector sated the bill has not been paid on or paid off withing the past 6 to 7 months. The total was paid directly with the XXXX  office and the collector stated they wanted the full amount paid in full. I hung up went they started to get loud and obnoxious. The number that called XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Navient Solutions, LLC.
State: OK
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:
Ive contacted XXXX several times regarding the student loans on my credit report. I filed bankruptcy in 2017 and all my student loans was granted discharge but XXXX  still show them on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: ProCollect, Inc.
State: AR
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:
Reached out to original creditor regarding item found on my credit report. Creditor disclosed that she could not talk to me regarding anything because the account was not in their office. Contacted ProCollect collection agency. Asked agency for validation of debt due to it not being my debt. Agency declined to send me written debt validation letter. Agency then told me to contact original creditor for validation of debt. Once I disclosed that I had already contacted original creditor and that they would not talk with me, ProCollect then agreed that it was only to be handled by their office ( ProCollect ). I proceeded to ask for validation of debt and the agent told me that it had already been sent out and proceeded to end the call interaction. I have not received any communication from then and I have been disputing this account for years now.

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 2021-09-20
Company: EQUIFAX, INC.
State: OK
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/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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent a letter requesting that items on my credit were innacurate and asked that they were removed from my credit report. My request had not been answered in the`manner I had hoped for. The items I disputed from my credit report has not been removed and is disrupting my credit worthiness.

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 2018-01-31
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
OnXX/XX/XXXXat XXXX XXXX  CST I went to XXXX XXXX XXXX and was assisted in sending a Bank Wire of {$11000.00} to XXXX ( Coinbase ). All Bank Wire steps were followed correctly and money was supposed to be available for use in XXXX that day. I did not receive it that day or that week. I went back to XXXX XXXX XXXX onXX/XX/XXXX and was given a printout of the send confirmation. The bank stated that they will send a request to receive confirmation from XXXX XXXX XXXX ( their bank ) that they indeed received the Wire. They have not responded. I contacted XXXX over the phone and explained the situation and was told that this would be forwarded to the applicable department and got a case number. Since then I have not heard anything. I have sent an email asking for a status update of my case and have not heard anything yet. I am extremely concerned as I am not receiving any assistance and just getting the runaround. It doesn't appear anybody can help me and I am amazed how a company can operate like this. Any help would be so greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2018-11-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX I opened a court order CD for my minor child, due to his injuries. The account was opened at XXXX XXXX. The court order reads : The blocked account or accounts belong to a minor. The minor was born XX/XX/XXXX. No withdrawals of principal or interest shall be made from this blocked account or accounts without a written order under this case name and number, signed by a judge, and bearing the seal of this court, until the minor attains the age of XXXX years. When the minor attains the age of XXXX years, the depository, WITHOUT further order of this court, is authorized and directed to pay by check or draft directly to the former minor, upon proper demand, all moneys including interest deposited under this order. The money on deposit is not subject to escheat. 
On XX/XX/XXXX, my son now XXXX and 1 day went to now holder of money Chase bank to withdraw his money and was denied, they stated to my son and I we still need a court order to withdrawal the funds. They have in their hands uploaded once again original court documents and are refusing to release funds. We are above frustrated with Chase bank. XX/XX/XXXX

Company response to consumer: Closed with explanation