BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-20
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I attempted to log into my Wells Fargo online account and was unable to. I received a message asking that I call customer service. I called and was connected to online Fraud department. I was told that my online banking had been deactivated due to online fraud. After verifying information with the rep, she set up a new username for me to use to log in. I was then transferred to another rep to change my password. The rep wasn't able to change my password on the phone, he advised I would have to go to the branch or ATM to verify my phone number. 

On XX/XX/XXXX I was able to stop at an ATM to verify my phone number. I was then able to reset my password and log into my online account. Upon logging to my account I saw that my checking account was overdrawn due to transactions that had been reversed. When I talked to the online Fraud rep on the XXXX, I explained to her that I was a victim of domestic abuse and as part of the financial abuse, my ex had called the bank to dispute bill payments and money transfers made while we lived together after he got arrested for domestic abuse and ordered not to return to my home. 

He disputed a mortgage payment made to XXXX XXXX  on XX/XX/XXXX for {$930.00}, a {$500.00} XXXX XXXX made on XX/XX/XXXX, a {$300.00} XXXX XXXX  made on XX/XX/XXXX and a {$980.00} XXXX XXXX made on XX/XX/XXXX. Wells Fargo Bank reversed the credits and debited my checking account for the total without doing any investigation or due diligence to determine if the amounts were authorized or fraudulent. 

I do have communication between my ex and I that would prove the above transactions were valid and authorized. Furthermore, his account address was the same address for the mortgage he disputed. Wells Fargo did not investigate his claim, nor did they contact me to get any information regarding the above transactions. 

As a result of this, my bank account has been withdrawn since XX/XX/XXXX and since all my bills are on auto pay, Wells Fargo has been charging me either a {$35.00} overdraft fee, or a {$35.00} NSF fee for each transaction that has been sent to them for payment. As of XX/XX/XXXX I have been hit with 15 {$35.00} fees totaling over {$520.00}! Furthermore, I have also been hit with fees from the companies whose payments were unsuccessful! 

Common sense calls for a good fraud investigator to use any initial information to find more evidence and information to support or refute a claim. It is safe to assume that when customers report a fraudulent transaction, a bank will investigate the charges before taking action. Isn't it common sense that part of the investigation would include contacting the alleged perpetrator to get their side of the story? I would think so.

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 monetary relief
Consumer complaint received 2019-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
IamwritinginregardtothechargeoffaccountsonmycreditreportformyBankofAmerica.OnXXXXXXXXIagreedtopaythelenderwiththeassurancethatitwillberemovedoffmycreditreport,a"payfordeletion''.Ihavehadaconstantbattlewithlenderhonoringtheirpartofthesettlement.Iamrequestingthatthisaccountberemoved.Ithasnowbeenover45dayssincerequestinglenderstodeletethisaccount,therequestwasdeliveredXX/XX/XXXXthroughXXXXCertifiedMail,withnoresponse.Thelenderhaverespondedtolettersinthepaststatingthattheaccountisaccurate,andIadvisedthemIamnotdenyingit.Iunderstandthatthisaccountisvalid,butIpaidthisaccountwiththepromiseofthedeletions.IfellbehindXX/XX/XXXX,sixyearsago,becausemymotherwasdiagnosedwithXXXXandhadtotakecareofher.IthensettledonXX/XX/XXXX,fouryearsagoandsincethenIhavebeendealingwiththisburden.Ipaidfordeletion,Ididtherightthing,ratherthanjustwaitingsevenyearsforittofalloff.Sincethen,Ihavegottenallmyfinancesinorderandpaideveryaccountontimewithoutablunder.Iamtryingtoprovideformyfamilyandpurchaseahomeforusandthishashadamajorimpact.Pleasehelpmebeabletoprovideformyfamily.

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 2018-08-30
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Ive made Ally Financial aware that due to a divorce and reduction in income i was having difficulty making payments on my vehicle. Although they have issued 2 payment deferrments in the past, i feel based on the circumstances they should have considered lowering the payments temporarily to allow me a chance to get things caught up. Their representatives have been extremely rude and uncaring, only interested in collecting money. Not all of them, but most.

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 2020-09-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
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:
Recently I contacted portfolio recovery to pay an old account off to have removed off my credit report. When paying it they told me it would be removed off my credit report. Still showing on my report and it been over 10 business days since Ive paid this off. Remove please but while I was talking to her she kept referring to another account that I told her wasnt mine and she kept trying to get me to agree to paying an account that wasnt/isnt mine. Now there is a new account being reported on my credit report for an amount of $ 1000+. Not my account and have no documentation of this account. I need this removed immediately along with the other account that I paid {$380.00}. Remove!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have made many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and delete it from my personal credit file. Thank you. 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 non-monetary relief
Consumer complaint received 2018-03-21
Company: Northland Group Inc
State: MI
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:
Re : XXXX I sent a validation letter to Northland Group XX/XX/XXXX. I mailed two one to the P.O. box and one to the physical address. Both were mailed certified and were accepted XX/XX/XXXX. I have not received a response with a contract or validating not verifying docs to support this debt being valid. I also do not show Northland group as a licensed and bonded collection agency in Michigan. 

This account should not be reported as theres no contract and the company is not properly licensed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: LEXISNEXIS
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I originally disputed 31 items on my LexisNexis Consumer Report in XX/XX/XXXX. They corrected some of the information but several items were not. I shopped online for automobile insurance in XX/XX/XXXX and discovered that several automobile accidents were still on my report. I disputed the items again on XX/XX/XXXX. I did not receive a response from LexisNexis until I contacted them on XX/XX/XXXX to get an update on my request. I finally received a letter from them on XX/XX/XXXX that my report was available on their website. The new report still lists six accidents which all involved my son and not me in any way. At the time I filed both disputes, I explained to LexisNexis that the information was related to my son who has the same name and shares my home address but owns his own car, has his own PA driver 's license, and his own automobile insurance. I have afforded them two opportunities to correct my report but they have failed to do so. Therefore, I am requesting your assistance in having the original 31 items removed from my report in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: HYUNDAI CAPITAL AMERICA
State: MN
Product: Vehicle loan or lease
Sub-product: Lease
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 my XXXX XXXX XXXX on XX/XX/XXXX. I used funds I received from my local lender to pay this off. XXXX said they sent me my title on XX/XX/XXXX however they did not. I have since then been attempting to get my title for my current lien holder however XXXX has been uncooperative. They instead of providing me the title signed over, they sent a letter of no interest and a bill of sale which is not acceptable by Minnesota DMV standards. We ordered a duplicate title in XX/XX/XXXX and it has now been returned to Hyundai Motor Finance since XX/XX/XXXX. They have acknowledge they have the duplicate but have not released it. I've called multiple times, and requested I writing for them to release this by sending it to me using my own XXXX account for tracking purposes. Each time I call, they do not provide me with any updates other than it could take 7-10 business days for a reply. Its now been over 5 weeks and still no response. When I try to escalate this to a XXXX they say all they can do is send an internal email as well. I even had one gal set the phone down and ignore me when I asked to speak her XXXX. I need help getting them to respond. I'm paying {$250.00} a month, and I can't sell my car without 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 2021-09-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This is a formal complaint against Equifax, XXXX and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continue reporting inaccurate and unverifiable derogatory information about me to potential creditors. That being said, I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files because they continue to report erroneous accounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they're simply ignoring the proof that I've sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Experian Information Solutions Inc.
State: PA
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 XXXX on behalf of XXXX XXXX appears on my credit file as a pay day loan company in which I have not applied or requested no loan on loan. It seems to be some scam going on with Experian and XXXX XXXX to get people to do on line pay day loans. I'm filing a complaint with the US Attorney as well as the UD Justice Department on Clarity and Experian and XXXX XXXX. There seems to be a pattern with XXXX XXXX on my credit report I'm opt out for promotional or marketing on my credit file. Experian seems to be violating my OPT out rights. I'm not trying to her no XXXX about this and that.

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 2018-08-30
Company: TRANSWORLD SYSTEMS INC
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I made a terrible mistake and borrowed private student loans 3 different times in XX/XX/2006. I believe I borrowed XXXX now XXXX XXXX XXXX  owns the loans and they have me owing XXXX. The rate was a balloon rate. I tried paying them what I could but the balance kept going up each month. Now they sued me and placed garnishment against me. They are impossible to deal with. I dont feel I owe them this much money and they have not provided a detail print out of y it is this much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2020 XXXX XXXX, AZ Branch of Bank of America ( There is only one ). Wanted to pay off an auto loan. Brought in XXXX cash. Wanted to combine the cash with the payoff amount from my checking in the form of a cashiers check. Teller took cash behind wall and had a machine count the money. I could not see Teller 's hands or machine tally. She stated that the amount was {$80.00} short of $ XXXX. I counted that stack twice at home, and live alone, so there was no way I could be {$80.00} short. Either machine was off, or she slipped a few twenties to the side. She never offered to count this by hand with me. I came back to the bank an hour later and reported this problem to the Bank Manager after  repeatedly trying to call them an no one picked up the phone. I was able to explain the issue to the Female Bank manager, and she said she would put in a ticket to review the video log and get back to me. I also told her that it was unacceptable that I couldn't see the teller hands handling my money. It's hypocrisy if they have cameras watching them, but don't allow a customer to watch their own money being handled/mishandled. They should have offered to count a size-able amount like this in a room separate from the general public. I don't like people standing behind me I don't know and I can't see what they are up to. For all I know they could grab my stack and run out the bank and who could stop them. They all have masks on. It's not insured it if 's not deposited. Seems like a big security flaw to me. It's been weeks and no one called me back about this issue. No communication of any kind. I filed a report with the XXXX, and they seemed to be able to get in  contact with the North Carolina Bank of America Branch that handles this, but no resolution of any kind, no contact with me of any kind, just a bunch of empty promises about a website tracking the complain that wasn't even active yet. Seems like the Fox Managing the Hen House Scenario, just hoping I will give up trying to file a complaint on being scammed by the teller or a faulty machine. So now I am contacting you to see if I can get some traction on a resolution. I still thing there was some wrongdoing involved at the bank, but I am more angered at how the bank has handled this after I brought it to their attention. Much Appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: Experian Information Solutions Inc.
State: NC
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:
Experian is reporting a XXXXXXXX XXXX XXXX card on my credit file that does not belong to me and appears to be Fraud, I have contacted Experian several times to have the XXXX XXXX XXXX  Fraud account disputed, investigated and removed,. Experian continues to deno and initiate a dispute or investigation for this Fraud account. Under the FCRA Experian must open an investigation and must dispute and remove any inaccurate or unverified information on ones credit file. 

I did not Open an account with XXXX XXXXXXXX XXXX  or any one whom may be collecting on their behalf. I did not agree to any documents, i did not sign any agreement with XXXX XXXXXXXX XXXX, I did not give authorization to XXXX XXXX XXXX or any creditor to open an account in my name. 

Under the FCRA Experian must open an investigation and must dispute and remove any inaccurate or unverified information on my credit file.

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 2021-09-22
Company: Radius Global Solutions LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is unverified and it is not my debt. XXXX has removed this debt on XX/XX/XXXX because it could not be verified. The other credit bureaus have not followed suit. If XXXX could not verify the debt how could the others verify it along with Radius Global? What was the method of verification.

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 2018-03-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
i noticed on my credit report XXXX XXXX account number XXXX having incomplete and inaccuracies. i have tried to dispute this item and it still remains. now i have proof the no real fair and thorough investigation took place. i never received proof of this investigation they claim its been verified but have yet to send my any documentation on how and why it remains. first off equifax doesn't even have an account number listed on this account and the open date is incomplete its XX/XX/2016 not XX/XX/2016. the same company reports to all three bureaus so they should all reflect the same information. if not how would anyone know that the account is accurate? it is also missing payment history and payment history is not the same across all three bureaus. incomplete and inaccurate accounts must be deleted per the FCRA and FDPCA. it shows on original amount of XXXX and a current balance of XXXX but no payment history ever. how can that be if there was no payment? and if there was a payment then it is not listed which is incomplete. either way incomplete or inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had unauthorized charges from XXXX from XX/XX/XXXX until XX/XX/XXXX and when I spoke to Regions account representatives, they stated that they will issue the refund and directed me to go to a branch. I went to the branch and the manager didn't even know how to process the dispute and finally figured it out and about 2 weeks later I received a letter stating that my claim was denied after further review.

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 monetary relief
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Greetings, I hope all is well during these unprecedented times. I submitted a dispute letter concerning inaccuracies on my report on XX/XX/2020. I did not receive acknowledgement on the matter. To my understanding the company has 30 to 45 days to respond to my dispute. They are in violation of the fair credit reporting act. The inaccuracies on my credit report are severely effecting my credit score. I understand we are in difficult times but these inaccuracies must be corrected. Thank you & God Speed.

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 2021-09-22
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reached out to this company XX/XX/2021 and explained to them that this account was opened fraudulently as a result of myself being a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was requesting under the freedom of Information act the contact person that is on my credit report XXXX XXXX, that is employed with Nelnet. Nelnet has denied me that information. I am cover with a Surety Bond that has paid off my student loans that has defaulted. And therefore my debit was paid in full.

Company response to consumer: Closed with explanation