BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: U.S. BANCORP
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:
I am filing this complaint because both mine, and my husbands accounts, have been defrauded by US Bank. 

We both signed up for the US Bank Savings Accounts under the offer that if we maintained a balance of {$3000.00} for 90 days, we would get {$600.00}.

We met all the requirements, except for how we funded our account. We were unable to fund the account due to titling on our accounts, and were instructed by a US Bank Employee to fund our accounts in an alternative method. 

Therefore, US Bank deliberately defrauded us out of the Savings Bonus totaling {$1200.00}. 

We have already submitted a CFPB complaint on this, but US Bank responded incorrectly in reference to an entirely different account. These are the business SAVINGS accounts.

We have met all the requirements and done everything asked of us, we just want US Bank to uphold their end of the agreement.

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 2023-01-25
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AFNI has contacted myself regarding an account opened in my name. The debt is {$1100.00} It was opened and used for XXXX XXXX XXXX XXXX XXXX. This is the second time this has happened. The service was provided in XXXX  State of XXXX. I have no relatives in XXXX. I have worked and lived in XXXX  my entire life. I have an account with XXXX XXXX XXXX in XXXX  in good standing for XXXX years. acct # XXXX. 

afni XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AFNI acct # XXXX Creditor XXXX XXXX XXXX Acct XXXX XXXX This is not my debt. Someone is opening an account with my last XXXX digits of my ss # and old phone number from over XXXX years ago XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: ERC
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
-- -- -Original Message -- -- - From : Myself Sent : Wednesday, XX/XX/XXXX XXXX PM To : XXXX Cc : My Attorney Subject : Emailing : XXXX Dispute - XXXX XXXX XXXX XXXX To whom it may concern : I just spoke to XXXX XXXX XXXX XXXXXXXX XXXX XXXX today regarding the claim by XXXX that I owe them {$190.00}. I attempted to talk to them without any resolution so I sent the attached bill to XXXX XXXX and they agreed that I should not have been charged and issued a credit. The account was closed on XX/XX/XXXX and XXXX illegally kept my credit card number and made this charge after the account was closed. As you can see the bill was for service from XX/XX/XXXX through XX/XX/XXXX. I should probably just go ahead and get a lawyer and sue them but I don't want to waste time dealing with anything this minor. However, please let XXXX know that if I hear anything else regarding this issue the next response will be from my attorney. You can check my credit report and you will not find where I have ever failed to pay anything. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: WELLS FARGO & COMPANY
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I went to buy used vehicle from dealer called XXXX XXXX XXXX  situated at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX on XXXX XX/XX/XXXX and decided to buy XXXX XXXX xlt. I applied for auto loan through them and also asked if their company do business with wells Fargo auto because i have had banking with wells Fargo from a long time. I was approved and the finance representative of XXXX XXXX  came up with interest rates of 8.49 % through XXXX XXXX XXXX XXXX and 8.69 % through wells Fargo. I was denied when i asked the rate quote paper showing the rate of interest of both banks. Because of less rate i went with XXXX XXXX XXXX XXXX and signed the loan contract and the vehicle was delivered to me with proper tags and registration. Almost a week later on XXXX of XXXX i got call from dealer to come or stop by to sign some papers those were missed by mistake. I went there to sign but upon reaching i found their was whole new story. They were trying to switch me from XXXX XXXX XXXX to Wells Fargo auto loan because kemba denied few days later for some reason. When i said i do not want to pay higher interest rates then the representative assured me that i will get the same rates as XXXX was giving which was 8.49 % but from different lender. My first original concern was about the dealer who was probably lying to me about the truthful rates of interest and intentionally wanted me to go with their favorite lender because i am wondering how come the wells fargo later agreed to give me lower interest rates but not at first place when i applied the application. Then on XXXX XXXX i went to dealer again and signed the loan contract with wells fargo but surprisingly even at more lower rate which is 7.69 %. 

Secondly the most important concern now is as below : I tried to contact with Wells fargo to get some clarification about my concern and asked them clearly that what was the original rate of interest that wells fargo offered me on XXXX of XXXX. Why the rate of interest are not disclosed to consumer who is paying back. Wells Fargo filed a case under XXXX Complaints Management office. Case number XXXX. But Executive office case specialist named XXXX XXXX tried to ignore the whole concern and did not resolve the case. Suddenly on XXXX of XXXX closed the case without resolving 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 2023-07-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I received a text alert from the bank about suspicious debit card transactions. After reviewing the transactions I immediately called the bank and told them it was unauthorized and for the bank to block the card. 

On XX/XX/2023 I called the bank to submit a claim for the fraudulent transaction of {$1400.00}. 

On XX/XX/2023 the bank told me they have closed the case and will not be issuing me any credit saying I needed to contact the merchant to get my money back. That same day I contacted the merchant and made a case with them. After their investigation they found the suspect. I was told it was a cash advance transaction and the suspect was a female. I do not know this person and have never authorized anyone to use my card. 

On XX/XX/2023, I called the merchant and the merchant agree to stay on the phone with me to call Wells Fargo fraud department to try to resolve the issue. The merchant talked to Wells Fargo fraud department and a supervisor and explain to them all they had to do was send the merchant the request and they can forward all the docs showing that it was fraud but all Wells Fargo said was that the case is closed and can not reopen it up again. The merchant processor and I could not believe they would not do an investigation and send the merchant a request.

The bank basically said they choose not to pursue my claim and deny my request to process a chargeback because I still had my debit card with me. Of course I still had my card I did not give my debit card to anyone to use. I dont know if my card was skimmed or if my replacement card I had ordered a week before was stolen. I never received that replacement card. The bank wont tell me anything about the transaction just accusing me of giving someone my card to use when I have not given anyone permission to use my card.

I do not understand the bank denying to process my claim when it is a fraudulent transaction, even the merchant has identified the transaction as fraudulent.

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 2023-06-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
CFPB collection dispute complaint, On XXXX 2023, XXXX XXXX XXXX collection added a derogatory mark on my credit report per XXXX XXXX and Experian. Upon further research, this account was transferred/ sold from one account to XXXX XXXX XXXX collection. 


I as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX collection did not verify my debt validation, and which shows XXXX XXXX XXXX collection has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house.

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 2023-07-17
Company: SANTANDER HOLDINGS USA, 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:
I contacted XXXX and Santander Consumer USA , INC about account number XXXX that was opened XX/XX/2020without my knowledge I submitted a copy of my police report and ftc identity theft affadavit but they denied it and said it was accurate information. I was active duty status during the time this account was opened I contacted and they refused to block and or remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I called Nationstar today to follow-up with the modification application I applied for XXXX XXXX, XXXX. In speaking with the representative, I learned that my property had a sale date for today, XXXX XXXX, XXXX. This was surprising news to me because I never received a notice in the mail or by certified mail of this action. The representative emailed me a supposed notice from XXXX XXXX, XXXX about the property 's sale ; however, the alleged notice of sale she emailed to me did not have my mailing address or my property address on it ; nor did it have a sale date. Besides, when I spoke to the Nationstar representative after my modification denial letter on XXXX XXXX, XXXX he told me my mortgage account would be on hold 30 days after this denial letter ; and then another 30 days for the published public notice. 

I need clarity on how my property was up for sale without me being notified and without proper procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Re : Dispute ofXX/XX/XXXXXXXX Account # XXXX on Credit Report I am writing this letter to dispute the information you have reported in my consumer file relating to the aforementioned XX/XX/XXXXXXXX account. I have recently reviewed my credit report and found this account negatively reported, which I believe to be in error due to it being past the statute of limitations for reporting under Georgia law. 

According to my records, the last day of activity on this account was on XX/XX/XXXX as reported by XXXX, while Equifax reports no data concerning this. As per Georgia 's law, the statute of limitations for reporting a debt is generally six years. Thus, this information should no longer be appearing on my credit report as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: WELLS FARGO & COMPANY
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I contacted an offer found on a housing swap on XXXX. The police said they did not have prior issues with this housing page. 
I responded to an offer to rent a unit near XXXX Colorado. The name on the listing to contact was XXXX XXXX. She advertised the room as near a bus stop, pet friendly, and the deposit was the same as one months rent. She sent me a rental application on XX/XX/2021 She then said her lawyer approved my application on XXXX21. I went to the unit after my bank wired her thr money to a bank in XXXX  XXXX Texas near XXXX. 
The owners of the property were home and said the unit was not for rent. They let me sit inside their home and call my bank to refund the money. I didn't recieve assistance that day so I went in person to a branch in XXXX. 
They took my story down after I filed a police report with the XXXX police. 
The bank representaive told me this happens sometimes but I was likely to get back 100 % of the deposit. She said if not I guarantee 80 % back in two weeks. 
That felt like a relief to hear. I called them two weeks later and the same rep talked to me. She said they could not send the funds back because her bank said no. The rep told me I should contact that bank and see if I get different results. I said they were a company worth multi millions of dollars. If the bank did not listen to Wells Fargo why would they listen to me. The rep said there was nothing she could do and no money would be returned to my account. 
I filed that report with their fraud department.

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 2023-07-18
Company: Forster & Garbus LLP
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have a judgment against me for a private student loan with XXXX XXXX. There was a settlement that was entered on my behalf, but without my consent, they are trying to garnish my wages, and I have tried to resolve this numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: TN
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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2023-02-18
Company: Experian Information Solutions Inc.
State: NY
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:
Identity theft. Someone use my SSN and some identity information open a credit card on XXXX. It was issued by XXXX XXXX  : XXXX XXXX card. I got a hard inquiry on it. An XXXX order was placed under this card, the address was not mine but using my name instead. I have cancelled the order and froze the credit score.

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 2023-07-18
Company: Experian Information Solutions Inc.
State: KS
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 2023-07-18
Company: Experian Information Solutions Inc.
State: NY
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 no affiliation with these creditors and I did not make this inquiry. Please remove it 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 non-monetary relief
Consumer complaint received 2023-07-18
Company: TRUIST FINANCIAL CORPORATION
State: SC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, XXXX XXXX XXXX XXXX XXXX requested a balance transfer be initiated from Truist cc XXXX in the amount of {$3000.00} to be paid to our account at XXXX XXXX We followed up with Truist on XX/XX/XXXX because we learned the payment to XXXX XXXXXXXX was not made and have since not been able to resolve the missing payment from Truist to XXXX XXXX. 

On XX/XX/XXXX, we were informed that the {$3000.00} payment had been paid out on XX/XX/2023. On XX/XX/XXXX, we received a letter from Truist along with the front and back of a paid {$3000.00} transaction and immediately contacted XXXX XXXX. XXXX XXXX issued a temporary credit to our account and indicated they would send us further information. 

On XX/XX/XXXX, we received a letter from XXXX XXXX requesting a copy of the front and back of the paid {$3000.00} item. On XX/XX/XXXX, we responded to XXXX XXXX by fax and email, enclosing the front and back of the {$3000.00} item. On XX/XX/XXXX, XXXX XXXX removed the temporary {$3000.00} credit and sent a letter dated XX/XX/XXXX that the {$3000.00} payment was not endorsed or cashed by XXXX XXXX. They wrote that the {$3000.00} check was endorsed by XXXX XXXX XXXX XXXX. 

On XX/XX/2023, I visited the Truist XXXX branch for assistance to locate the {$3000.00} and was directed to the XXXX XXXX XXXX XXXX. Once I visited and spoke with the XXXX XXXX XXXX XXXX, I was told XXXX XXXX can not research this matter, and that Truist is responsible to resolve this matter. I immediately returned to the Truist XXXX branch and was informed that a dispute had been filled regarding the {$3000.00} charge to cc XXXX. 

On XX/XX/XXXX, I followed up with Truist, and a fraud investigation was finally initiated ( # XXXX ). On XX/XX/XXXX, I followed up with customer service to find out the status of the fraud investigation and incredibly was informed that a fraud investigation was never filed. The Truist representative proceeded to file a fraud claim and provided the reference number XXXX. 

Here we are 5 months later, and still no resolution. I spoke with Truist yesterday, XX/XX/XXXX, and was informed I would have a response in 60 to 90 more days. 

In summary, XXXX XXXX never received our balance transfer from Truist cc XXXX ( Truist has since replaced cc w cc XXXX ). XXXX XXXX would like this matter resolved with no further delays, and our account be credited accordingly, including fees and 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 monetary relief
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: FL
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:
Unknown person using my first name, incorrect middle initial, and last name, and using my current address but incorrect phone number, opened credit card account at XXXX XXXX XXXX XXXX XXXX XX/XX/2023. XXXX XXXX notified me by US mail on XX/XX/2023 that " my application contained unsatisfactory or unverifiable information '' and denied issuance of the credit card. However, XXXX charges of {$230.00} were made on the card ; XXXX charges of {$1100.00} were also made. These charges appear on my credit report at Experian and are fraudulent. 
Attempts to reach XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX via their website and ( several ) published ( automated only ) phone numbers were unsuccessful as an account number is required -- I have no account. I have been unable to reach a customer service rep with XXXX XXXX to dispute this issue and have the erroneous unpaid and delinquent credit card charges removed from my Experian account. 
Disputes filed in both my and my wife 's names with Experian in XXXX and 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