BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-12-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Good Day i'm writing this complaint against XXXX of the worst banks in USA, Wells Fargo closed my account in bad faith, stating a violation of credit card usage/transactions called them many times regarding balance and reward no one answered, went a couple of times nobody help I don't owe any money/balance on this credit card let Wells Fargo send it to collection or court their fault has to be held accountable, this bank has too many cases against them one of worst bank in USA against never pay money, I don't owe

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 2023-12-14
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I paid for concert tickets from my checking account over 9 months. The monies were taken out each month, then I did XXXX separate charges for additional tickets and a camping site. Two months before the XXXX XXXX XXXX XXXX IN VIRGINIA, I had to go to a work meeting, so I sold the tickets through XXXX XXXX XXXX XXXXXXXX XXXX  WEBSITE TO : XXXX, THIS IS WHO THEY USE. THE TICKETS WERE SOLD BY XXXX 
My tickets sold in less than 2 mins. i was immediately emailed that I would get my refund of {$3100.00} on XX/XX/2023, AFTER THE CONCERT. my tickets were sold to another person. The concert was from XX/XX/XXXX through the XXXX. 2023 I NEVER RECEIVED MY MONEY BACK. I HAVE THE EMAIL THAT STATES IT WOULD BE RETURNED VIA XXXX, WHICH WAS FINE BUT I NEVER RECEIVED IT. I HAVE EMAILED AND CALLED ALL THREE PARTIES WITH NO HELP OR ANSWERS. I FILED A CLAIM WITH TRUIST BANK AND THEY DENIED IT. WHICH IS CRAZY BECAUSE I PAID FOR A SERVICE I NEVER GOT. I HAVE ALL THE EMAILS, THE POSTS THAT THE CONCERT VENUE POSTED, ETC. I NEED MY HARD-EARNED MONEY RETURNED TO ME. PLEASE HELP ME. It is now XX/XX/2023, and I have had no money returned, replies, or help. How can this be legal? I am reading that many of the concertgoers are getting their money back. I am so upset my bank will not help me.

Company response to consumer: In progress
Consumer complaint received 2023-09-15
Company: MOHELA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
MOHELA is one of my loan servicers. MOHELA allows borrowers to provide special payment instructions when making an additional or partial payment. " To request special payment instructions when making an additional or partial payment, submit your request via ... [ secure message ] '' I provided these instructions to MOHELA via secure message on XX/XX/2023. I said " Hello, I want all one-time payments I make to be applied only to the principal of my loan, and only to my lower-balance loan. Please explain to me as quickly as possible how to do this. I expect an answer soon as loans are now accruing interest. '' I made a payment on XX/XX/2023 with the expectation that these instructions would be followed. The MOHELA website states " If you have standing payment instructions on file with MOHELA please allow XXXX business days after payment ( XXXX ) is posted to reapply the payment according to your instructions. Refer to Submitting Special Payment instructions for more information. '' It has now been XXXX business days. My instructions have not been applied or re-applied to the XX/XX/2023 payment. MOHELA continues to put my loan payments toward interest despite clear instructions not to and clear commitments from them to apply them. 

MOHELA is not servicing my loans appropriately. I feel this is predatory and they are likely doing this to other borrowers. " High volume '' and incompetence are not excuses. I would like my loans forgiven so I do not have to continue to be a victim of these predatory practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See document 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 2023-12-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way! 

dispute_item_and_explanation } XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
Wells Fargo Owes Me Money and an Apology from all the stress caused and I should be part of the class action. I Purchased my Home in XXXX and around XXXX Wells Fargo Purchased my Loan from XXXX XXXX and started changing terms ; I had till the XXXX to pay. I just dealt with it and never missed a payment. In XXXX I had to Refinance due to my divorce Decree in XXXX I had XXXX  years to remove co-owner /ex-husband off my home. We chose to do sooner then Later because of his XXXX  and due for another XXXX. I went though an Appraiser from Wells Fargo who was only in my home for XXXX minutes and undervalued my home and made comments. I did the leg work and walked into a random Realtors office and she did Comps and Found Wells Fargo 's Appraiser purposely undervalued my home and due to that I originally was not able to refinance. I took all my information and complaint to the Office in XXXX and they were finally able to help though it should not of been that way. I still have all the emails. In XXXX I was having issues and lost employment temp. I contacted WF and was paying my Mortgage Half/Half each month. Without Warning they kicked XXXX of the Payments back and put me into Foreclose. Even the Worker at the bank knew I made my payments. I tried to work with the Home Preservation Specialist and I was denied any modification or assistance and Foreclosure still Stood. I did not want to lose only home my daughter knew and came up with the funds to pay. The Day before It was due I came up with the last XXXX and went to the back XXXX minutes before they closed. The Manager informed me he already shut down his computer and I would have to come back in the XXXX. I had just started a new job and had to take time off the next day to pay the Foreclosure in Full. I did and the Money was wire at the Branch. Everything should have been back to Normally so I thought. The next week I came home to a Foreclosure Notice Posted on my door. With insult to injury after borrowing almost XXXX to pay money I know I paid and I was then charged legal fees after the fact. I live in fear every time I get a letter from wells Fargo or they don't post my mortgage on time and say it is late. I have called several times and get the runaround they are looking into it then they send a letter they are not in the wrong. Then they sold my mortgage in XXXX I wasn't Notified until end of XXXX and new Mortgage says I am a month behind.

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 2023-02-16
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/XXXX my car payment of {$220.00} was taken out of my savings account, but out of the blue I gotten an email ( XX/XX/XXXX ) stating that my payment wasnt received. Ive sent in an email to resolve the problem and still nothing. I contacted the bank to make sure it wasnt an error, and the teller stated that the car agency had taken the money from my account and nothing was reversed back. On XX/XX/XXXX, I spoke with a XXXX representative as he stated that the issue was made in error on their end, and that the balance was cleared ; all after I asked to have the bank involved in the conversation to provide the additional information. After several attempts to get the issue resolved, the XXXX representative never waived the amount off as promised, while still stating that I owe the paid amount. Customer service was very rude and never showed any interest on resolving the issue, as this isnt the forest time this happened to me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep concern and dissatisfaction with the recent update to my credit report, which I have thoroughly reviewed. Despite receiving an updated copy, I was surprised to discover the same error and inaccuracy that I already raise and dispute to your agency. This situation is particularly troubling for me, as I am currently facing challenges in securing a new line of credit. 

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 2023-12-14
Company: HW Holding, Inc
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA XXXX XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We sold our old home and our Land Transfer company gave us checks to send out. We sent them out priority mail with tracking numbers. They received the checks for both QVC and Lowe 's to payoff accounts and close them. They didn't do so. When I couldn't get ahold of them I contacted the XXXX and notified them they hadn't paid off the accounts. They finally contacted me and said they actually had the checks but the checks didn't have account numbers. ( the womans name was XXXX ) She stated she was putting the account numbers on them and would post the checks immediately. The next day when I checked the accounts it stated the checks would be returned within 60 days due to no account on them. I have tried to contact them. Tried to chat with them. I have gotten mixed chats. 1. Never got the checks they are missing. 2. Checks are being returned. 3. We have the checks but have no accounts and have to hold for 60 days. So no one knows what they are doing but my payments are in default, my credit is going into the toilet and all the while they have the money to pay it all off. As I check into this company I find out they do this a lot. This is absolute rubbish and they really need to be stopped. I need my money or they need to pay off my accounts and close them so I don't have to ever deal with them again. This is an outrage.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope you are doing well as I write this. I'm writing to convey my ongoing dissatisfaction and worry about the unresolved dispute I filed about the fraudulent accounts that resulted from identity theft on my credit report. I regret to inform you that, in spite of my earlier contact and the supporting data I sent, the aforementioned accounts are still included on my credit report. 

XXXX XXXX XXXX. XXXX XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I appreciate the initial acknowledgment of my dispute and the assurance of an investigation. However, I must emphasize the importance of resolving this matter promptly, as it has had a significant impact on my financial well-being and overall peace of mind. 

I kindly urge you to prioritize the resolution of this dispute, as it directly impacts my financial security and well-being. I request that you take immediate action to remove the unauthorized accounts from my credit report and provide me with written confirmation of their removal. 

Please communicate with me promptly to keep me informed about the progress of your investigation. If there are any additional documents or information needed from my end, kindly inform me so that I may provide them promptly. 

I genuinely hope that this follow-up will expedite the resolution of this matter, as I remain deeply concerned about the continued presence of these unauthorized accounts on my credit report. Your prompt attention to this issue is greatly 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 2023-11-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is no Signed Legal contract between myself and the original company nor the debt collector who is attempting to collect a debt that is not owed to either company. I have requested said documents and it has not been provided So therfore this should be removed from my credit report 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 2023-11-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: IN
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:
INFORMATION ON MY CREDIT REPORT IS INVALID AND NOT XXXX XXXX COMPLIANT AND NEEDS TO BE 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 2023-02-16
Company: Experian Information Solutions Inc.
State: MD
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 notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal 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 2023-12-14
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting 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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your 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 non-monetary relief
Consumer complaint received 2023-02-16
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/22 Negative Acct. Balance on Commercial Student Loan ( {$560.00} ). 

XX/XX/22 : Requested a refund and was told by a MOHELA rep it would auto credit to my checking acct that was used for monthly auto payments. Should be 30- 60 days. 

XX/XX/22 : Emailed MOHELA for status update. Did not reply for months and when they did they did not address the issue but used canned language " hope your issue has been resolved. '' XX/XX/22 : Was told by MOHELA rep that MOHELA erred and sent the overpayment to XXXX ( another loan servicer ). I did not have an account with XXXX XXXX. MOHELA would not resolve and said I would have to get the funds from XXXX. 

XX/XX/22 : Contacted XXXX who said MOHELA should not have sent any funds to them since I didn't have an acct or loan with them. They noted they would have to research and if they were able to locate the funds, the funds would be returned to MOHELA rather than me. ( Note : Funds would be returned to MOHELA ( if they found them ) no later than XX/XX/22 ). 

XX/XX/22 : Was told by MOHELA rep ( supervisor ) that MOHELA erred and they should have sent funds to me ( rather than XXXX ). I shared what XXXX had indicated. Rep said funds were sent to XXXX on XX/XX/22 but would try to stop payment ( if XXXX had not dealt with the payment yet ). Rep noted Dept. of Ed had already approved those funds being returned to me so it should not take 30-60 days. Rep would request this date that MOHELA Acct. submit payment to me. Rep would keep an eye on my account and if not resolved within 60 days would contact me. I have not heard from MOHELA. 

XX/XX/22 : MOHELA Rep ( Supervisor ) said funds were still with XXXX and the ONLY option would be for MOHELA to take those funds and apply them to a new loan. She indicated this should take no longer than XXXX weeks. I indicated this solution was not acceptable but to at least begin taking steps to get the funds back from XXXX. She agreed to contact me in XXXX weeks ( a week after she said it would be resolved ) if my account had not been credited. I have not heard back. 

XX/XX/22 : Complaints filed with : XXXX ) XXXX XXXX ( Executive Director and CEO of MOHELA - XXXX ) ; XXXX ) Congressman XXXX XXXX ; XXXX XXXX Consumer Financial Protection Bureau ; and XXXX ) Dept. of Education Ombudsman Office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief