BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: WELLS FARGO & COMPANY
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have XXXX complaints with the same bank regarding a Prime Equity Line of Credit. 
On XX/XX/XXXX I made a final payment on a Prime Equity Line of Credit to Wells Fargo Bank XXXX. The account was opened by my husband who is now deceased. I am executor of his estate. 
After my husband passed in XX/XX/XXXX I went to the branch in XXXXXXXX XXXX with all the documents and closed his checking accounts. 
At that time I questioned whether the Lines of Credit needed to be paid because they were in my husband 's name and was told that was not necessary. I could keep making payments in his name. 
On XX/XX/XXXX XXXX line of credit was paid off. On XX/XX/XXXX Wells Fargo electronically submitted a Satisfaction of Security Instrument to XXXX XXXX Register of Deeds " in accordance of state law ''. The Grantor ( s ) name was spelling incorrectly and so the county has requested a Correction Affidavit to release the lien. I have spoken with Wells Fargo Probate Department to try and get this corrected and they claim the County made the error. Because I am not the account holder I can only work with the Probate Department and so I am stuck. 
When Wells Fargo allowed the Line of Credit to remain open they continued to make money but I essentially had no authority over the account. 
On XX/XX/XXXX I paid the final line of credit. In the payoff Statement it states " After the payoff is complete, we'll release the lien on the property in accordance with state law. '' I does not indicate that it will take between XXXX or as many as XXXX day for the paperwork to be submitted. 
I have a contract to sell the house tied to the liens. I was supposed to close XX/XX/XXXX but I am now in limbo and no one can tell me where the paperwork is or when I can expect it to be submitted. 
I am completely powerless. It is outrageous that there is no way to obtain the lien release within a reasonable amount of time. It should state in the payoff Statement that it is a prolonged process. I could have had the loan paid at closing. I am completely and utterly at a loss. Any help or guidance would be appreciated. 
Thank 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 non-monetary relief
Consumer complaint received 2023-07-23
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
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:
Cash app has robbed me and closed my account they are using a bank account without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I already sent a complaint on XX/XX/23, but the response I got was not right. The university that was stated in the response was wrong. The correct school is XXXX XXXX XXXX not XXXX XXXX. I stated I received a letter that explained how I was ineligible for the loan and there is no record of it at XXXX XXXX XXXX. I never received a single XXXX. Also, I had to have a co-sign when I tried applying for this loan. Somehow none of this is on the co-signers record? How is that possible? Please take me off this loan, I NEVER RECEIVED IT. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Telsa Motors Inc
State: IL
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:
I got an alert that a new employer has been added to my credit report, XXXX, Tesla. I have never worked for this company and I am not sure how the employer got updated to this company without any notice or verification process.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, 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:
I have sent XXXX cards a validation letter disputing the debt on XXXX. Pursuant to the FDCPA. XXXX cards failed to provide me any evidence within XXXX  days that they have a right to collect on this debt. Therefore by law the account is errant and must be zeroed and removed from my credit report. XXXX closed the account but failed to zero it and also reported negatively on my credit report. I also sent another round of letters to their headquarters in New York. Still no validation response from them. Also sent letters to all three reporting agencies along with all correspondence i sent XXXX cards saying that the creditor has not validated the debt, the account is errant and needs to be removed by law. The reporting agencies failed to remove the account and follow the law as well. Equifax removed the account at first from my report but then put it back on after the validation time was over. I believe that is also a violation of the law to remove an account and then put it back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I have been working to DISPUTE all UNKNOWN INQUIRIES to no avail no help.

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 2022-12-13
Company: Experian Information Solutions 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:
I have sent XXXX cards a validation letter disputing the debt on XXXX. Pursuant to the FDCPA. XXXX cards failed to provide me any evidence within XXXX days that they have a right to collect on this debt. Therefore by law the account is errant and must be zeroed and removed from my credit report. XXXX closed the account but failed to zero it and also reported negatively on my credit report. I also sent another round of letters to their headquarters in New York. Still no validation response from them. Also sent letters to all three reporting agencies along with all correspondence i sent XXXX cards saying that the creditor has not validated the debt, the account is errant and needs to be removed by law. The reporting agencies failed to remove the account and follow the law as well. XXXX removed the account at first from my report but then put it back on after the validation time was over. I believe that is also a violation of the law to remove an account and then put it back 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 2023-03-02
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: Personal information incorrect

Complaint:
I previously sent XXXX update letters to all three credit bureaus to update my personal information, which is XXXX Experian, and XXXX. I've sent them XXXX different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history along with XXXX address, employer and phone number.

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Ive contacted the companys and the courts and the information is still reported on my file.Ive also uploaded a police report to have them removed expeditiously as Im a victim of fraud and information is still reporting. 
XXXX XXXX  XXXX {$230.00} XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX {$540.00} 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 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 2022-09-14
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
For the last two years XXXX XXXX has tried to charge me for goods I did not order. XXXX sold the bad account to Midland Credit. the Manager of the company stated that I owe XXXX. The rep got up set because I told him that I have a XXXX account and it is active with a balance of XXXX. 

I told him the account he was speaking on was not mind. the manager then told me while he was mad at me that I was a fraud and he was going to report me and put it on my credit report. in addition he stated I'm going to have you investigated right away and sue you after he took it off recording. While off being recorded he said I will pay for this and i wouldn't hear from him anymore. I asked him prove I had or owned this account. 

on XX/XX/2022 I received a XXXX letter from that manager threating me that he was going to get a lawyer and sue me. I have proved several times and have provided my XXXX XXXXt open account number of my real account. but they keep putting this on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I sent out certified letters to all three credit bureaus informing them of my address change but its still showing up on my 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 non-monetary relief
Consumer complaint received 2023-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Bank of America credit card Paid {$51.00} outstanding balance on XXXX/XXXX/23 This amount was taken from my checking account, but now a second {$51.00} has also been deducted ( XXXX:23 ) Calling Bank of America automated response admits a credit if {$51.00} - bug I have not been able to reach a live person in three attempts to ask that the second deduction be returned.

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 2023-03-02
Company: ONLINE Information Services, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I see this medical debt on my credit report and have sent a letter on XXXX/XXXXXXXX to be removed as it is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I never received the {$500.00} cash bonus for business checking account I applied on XX/XX/2022. 

Bank of America is denying {$500.00} cash bonus for my account on the categorally false conclusion that the bonus requirement includes " only for business accounts who were specifically targeted ''. At the time when I applied on XX/XX/2022, the bonus was available to all new BofA applicants and didn't include the targeted customer requirements. BofA later changed the terms to include the targeted customer language about a month later, in mid XXXXXXXX XXXX 

The attached pdf file shows the terms of bonus from BofA checking account application website on XX/XX/2022. As clearly indicated in the first line of their requirements, which I've copied in quotes below, there's no mention of targeted customers as a requirement to receive the bonus. 

( " '' 1 This offer is intended for new customers only ; you are not eligible for this offer if you were an owner or signer on a Bank of America XXXX XXXX Banking account within the last twelve ( 12 ) months. Only one bonus ( {$500.00} ) per business customer, regardless of the number of businesses owned or operated by the customer. '' '' ) Since BofA added the targeted bonus requirement later on mid XXXX, but not when I was approved for the account on XX/XX/2022, I would expect BofA honor their end of the bonus terms.

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 2023-07-27
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I tried purchasing XXXX XXXX XXXX concerts on XX/XX/2023 and the mode of payment was Zelle. I paid through my local credit union who offers Zelle & once I realized I got scammed, my credit union and Zelle did not want to refund my money. I lost {$690.00} of hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX of this year, 2023, this case was responded to as " resolved. '' This matter is not resolved. I am not paying for something I did not do. I will no longer speak with Discover directly, as they are unprofessional, rude, and are unable to respond in a timely manner. 

I can no longer dispute the charges automatically on the Discover website as the timeframe has passed, but I lodged a complaint in XXXX. It still has not been resolved, despite what Discover has said.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a credit card with Wells Fargo through XXXX XXXX XXXX XXXX  that was supposed to be closed on XX/XX/2023 because I paid off the balance on that day. I have proof and confirmation number that I paid of the account. After two months Wells Fargo retail credit card service, came at me stating they never received the payment from me. Then they charged me the last payment that I had made which was {$780.00} plus interest.

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 2023-07-27
Company: Incomm Holdings Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I filed a dispute in XX/XX/2023 to Incomm Payments about funds on a giftcard that was purchased in XX/XX/2023. Before I was able to use the card, the card was comprised. Incomm denied me 3 times on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and on XX/XX/XXXX at XXXX ( please see attached documents ). They stated that funds could not be recover and my case had been closed. I filed a complaint with CFPB on XX/XX/XXXX about my concerns with Incomm Payment to resolve the issues of services that were not rendered. 

On XX/XX/XXXX I received several responses from Incomm Payments ; 1. The email/voice message that they stated I received was not true. I did not receive any communication about attempts to recover any funds. They stated in their response on XX/XX/XXXX, they do not have any chargeback rights to attempt to recover funds from XXXX on my behalf. If this is a true statement, then how were they able to received the {$33.00} back from XXXX? 

2. Incomm Payments stated that the card has a Cardholder Agreement regarding Lost or Stolen Cards, the consumer 's Liability for Unauthorized Transactions, well how will the consumer know about this information if the information is inside the sealed packet? Once the card is purchased there is no refund. Please see attachment. 

3. Incomm Payments stated that they place a great deal of importance on customer satisfaction and want customers to have a Positive Experience with their product. According to XXXX  XXXX XXXX, Incomm Payments has had 902 Complaints in the past 12 months and XXXX in 3 years in the same matter as my dispute. These are consumers that had to go through extreme measures, as I have, of filing a complaint seeking recover of loss funds. Please see attachment. 

Incomm Payments has mailed me a {$33.00} Giftcard that was received on XX/XX/XXXX, but failed to rendered the full refund in the amount of {$130.00}, funds that were purchased but never used by me, the consumer. 

All major companies have Insurance to cover their losses, where is the consumers protection when their not given the services that are paid for. 

I'm seeking full refund of {$130.00} for the gift-card that I purchased with no funds on it. After doing a investigation myself and the purchases were made in another state, I'm still puzzled on why InComm Payments refuse to refund my full amount of {$130.00}. 

If I do not receive a full refund of {$130.00}, I will be seeking Legal Action from InComm Payments for their unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: NC
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 credit bureau posted unauthorized credit inquiries on my credit profile. I have requested a full investigation to verify these and the credit bureau has not provided their verification sources they sent me a letter saying that they have verified these inquiries.

I want to reference several sections of the Fair Credit Reporting Act ( FCRA ) to support my dispute.

Section 605B - This section of the FCRA requires consumer reporting agencies to block the reporting of fraudulent information on a consumer 's credit report, including fraudulent inquiries. If I believe that a hard inquiry on your credit report resulted from fraud, I can request that the credit reporting agency block the inquiry from my credit report.

Section 611 - This section of the FCRA outlines my rights to dispute inaccurate information on my credit report. If you believe that a hard inquiry on my credit report resulted from fraud, I can dispute the inquiry with the credit reporting agency and provide evidence of the fraud, such as a police report or affidavit.

Section 623 ( a ) ( 2 ) - This section of the FCRA requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information on a consumer 's credit report. If I dispute a hard inquiry on my credit report that I believe was the result of fraud, the credit reporting agency must investigate my dispute and either remove the inquiry from my credit report or provide me with evidence to support its inclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: PENTAGON FEDERAL CREDIT UNION
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:
Theres an account open on my credit report. I opened a ticket with a XXXX asking for the creditor to provide validation, they failed to do so, and refused to remove the debt from my credit report. I currently have a case # XXXX with XXXX asking them to remove it.

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 2023-07-27
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: Personal information incorrect

Complaint:
I have been trying to close on a house but it has been delayed because my lender is unable to generate my credit report from Experian because they have my name incorrectly in their system. I have called multiple times since XX/XX/2023 and every time Ive gotten a different answer, some saying that my report will be updated in XXXX business days to it will be corrected in XXXX hours and finally to just that now they cant access my account. My full legal name is XXXX XXXX and it has been since birth and the other XXXX bureaus XXXX and XXXX have my name correctly but Experian doesnt and will not correct it.

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