BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-12
Company: Experian Information Solutions Inc.
State: UT
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 received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

XXXX XXXXXX/XX/XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/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 2016-01-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
I have a Wells Fargo Bank Credit card and have been in Active Duty XXXX since XXXX XXXX, 2015. I told WFB this, but was told it did n't matter, that they would only be able to " waive '' XXXX interest charge. So far, since XXXX of 2015, they have, and are attempting to collect interest in the amount of over {$300.00} ( at 18 % ) and fees also over {$300.00}. I was told that WFB can not " go back '' as far as XXXX 2015 to resolve this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Wells fargo converted a savings account to a checking account because of over transaction occurrences in two non sequential months, and then told me that it could not be converted back and that I would have to close the account and open a new account. they said it was due to regulation d requirements. the checking account has fees, the savings did not.

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 2015-10-06
Company: BB&T CORPORATION
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
BB & T was involved in A federal investigation. The other banks settled. Where BB & T would n't. XXXX XXXX was convicted of the crime. Now there 's a lien against my dead father.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, I am a victim of a teller opening up multiple accounts at Wells Fargo. I started a new job in XXXX, Ca that issued their payroll checks through Wells Fargo. At the time of my employment I opened a checking account at the near by Wells Fargo branch-XXXX, Ca location with the help of a a female representative. Shortly after I opened my account, I recieved additional paper/physical checks via mail. At the time I thought this was a oversight and just got mailed additional checks. I was n't a check writer ... so this went over my head. More came over time and there I started investing. From there I called and called the Wells Fargo hotline and only got the runaround. This was very time consuming and no one had answers. Finally I called the XXXX Ca branch and started to get answers. It got escalated to some internal investigation. I felt helpless as they are a huge corporation. I felt violated. Someone was eventually terminated. I feel justice was not served. I told everyone I knew. People probably thought I was nuts and my boss at the time thought me spending time at the branch or calling Wells Fargo was XXXX. I eventually gave up..Defeated. 

Years later I see they are finally in trouble. I want to share my story and file a complaint to show this can not and should not happen to anyone. I would n't wish this on anyone.

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 2020-12-16
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I received a piece of mail from American Express with a prequalified offer for the Blue Cash Everyday Card offering me 12 months with a 0.0 % introductory purchase APR as well as 0.0 % APR for balance transfers. I applied for the card and was approved. Upon speaking to a customer service representative I was told that I did NOT have the 0.0 % APR for purchases, and that this offer was never made to me. I called and spoke to ANOTHER customer service representative who informed me that I DID have the 0.0 % intro purchase APR. Having gathered XXXX conflicting answers to my inquiry, I called again and was told that I did not have the 0.0 % purchase APR. Furthermore I was also told that, that offer was not available on the website or anywhere else. Appalled that I had basically just been called a liar by the marketing team, I went on the americanexpress website and quickly found the offer terms for the XXXX Card. If, this promotion is not offered, it should not be promoted on the American Express website, through American Express mail, or on third party websites, i.e. ; XXXX XXXX. This is false and deceptive advertisement. I also asked XXXX, XXXX, XXXX, and XXXX, the XXXX different employees that I spoke with if there was any situation in which the introductory APR would not be available to a customer, a question in which the employees could not answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I have reached out to Hyundai Motor Finance Account # XXXX to question some information which is reporting they have failed to respond to my request. I have some inaccurate reporting to which I would like Hyundai to provide me with the correct data to ensure accurate data is reporting. 
1. Date of last payment 2. Date of first delinquency 3. Payment status I also requested the end of lease letter and payment history starting in XXXX XXXX XX/XX/2020.

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 2016-06-03
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Last year I lost my business because of divorce. A month ago I got a letter from a layer. Said the house will be actions off XXXX XXXX 2016 I call the bank asc.. well Fargo to do a short sale ..she said get a reality to call them..I dI XXXXd that same day ..the bank do n't call back. So I call the bank and said no one call the reality..to do a short sale .so that day the reality take with the an got all the paper work them that week..this week the reality call an said it to late. The paper work need it the week before fore No one tell me that and the every call that week it would been done if the bank tell me 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 explanation
Consumer complaint received 2015-09-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was unemployed in XX/XX/XXXX and my checking account with Wells Fargo went negative {$500.00}. I recvd a settlement ck XX/XX/XXXX went to Wells Fargo to correct my account but was told it could not be done. I had to open a new account. I asked to pay off the negative balance on my original account but was told " no, that can wait, pay us when you can ''. I have received no requests to date for the debt owed. On XXXX XXXX the money was taken from my account without authorization. No phone calls, no letters, just taken. My new account is now negative and they have returned checks from my utility payments. I

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-15
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a home mortgage with Well Fargo, that they brought from the closing lender I had 3 years ago. I was told my payments would be around XXXX-XXXX with a downpayment. I am locked in at a rate of 3.75 percent and I do not have a variable mortgage where it is suppose to jump. Well they jumped my payments to XXXX without my consent and are now telling me because of my escrow account. I do not agree and I believe that no one should be able to go in and just change your mortgage payment like that especially when you signed a contract.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My ex-wife opened up a credit card in her name on my account AFTER the divorce have been already finalized. She charged {$2500.00} on my account which she signed in her name on all of her charges without my approval to any of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-25
Company: WELLS FARGO & COMPANY
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a car loan with Well Fargo Auto. They call me and my wife sometimes up to two times a day for each of us looking for our payment. We are not behind and pay out bill with extra every month. You talk to one of their reps and the next day they call you again after you talked to them or someone with the same names. I do n't feel that they should be able to harass you like this on a daily basis, when in fact we make our payment each month.

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 2016-10-11
Company: ENOVA INTERNATIONAL, INC.
State: MD
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
The lender withdrew funds from my bank account a few day from the normal pay date. When I called I was informed that due to the holiday they redrew the funds earlier and it resulted with my account being overdrawn.. I also looked over my payment history dating back XXXX 2016 up to XXXX and noticed that I am paying more when my previous balances were less and my payments were less.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In light of the recent Fraud and Schemes that have been reported in the news concerning Wells Fargo Bank, in whom I do bank with, I have grown very suspicious of two recent things concerning Wells Fargo. First my log on password was suspended for no apparent reason, Second ; I received a refund Cashier 's Check dated XXXX/XXXX/2016 in the amount of {$12.00}. Check number XXXX. The letter stated it was a refund from a loan. Loan # XXXX. The odd and suspicious thing is that I do not recall or have knowledge of this loan. I am very concerned that my identity, account, and privacy has been compromised. I called Wells Fargo today, and could not get a straight answer to any of my questions. I would very much like to know what is going on, and what can I do to protect myself. If you may assist me in anyway, I would greatly appreciate it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. I would like to request a security freeze placed on my report and request a PIN Code. I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had account protection with Victorias Secret against job loss. When I attempted to contact the company when I was laid off my balance was XXXX in three months its now XXXX $ and I have repeatedly asked to have this issue rectified and the commenity bank calls me over 20 times a day and the agent I last spoke to was rude yelled at me and hung up. No one is willing to honor their contract so I asked them to cease and desist with the phone calls and send a letter and they are still harassing me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Hello, For the past two years, Equifax has not been receiving or updating my credit file with my account information. Accounts that I had for years are showing up as basically being inactive, even though they are very much active. I have called Equifax on several occasions and submitted online disputes, but this has not helped. I have no collections or missed payments on my reports for the XXXX bureaus. And while I have excellent credit scores with both XXXX and XXXX, Equifax consistently has me almost XXXX points lower because they have not updated most of my information from my creditors in years and they do not show many of the new accounts I 've had over the past 4 years. In fact, nany of my Equifax accounts show that they have not been updated since XX/XX/2011. They also show my current address as one which I had 3 years ago. My current address is XXXX XXXX XXXX, XXXX XXXX, MI XXXX. They asked me to send in my license to prove this. I did it several times and they still never updated my file to this. My Equifax dispute number is XXXX, and I am attaching a report I received from them this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX   and TransUnion consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX, account number XXXX ; 2. ) XXXX, account number XXXX ; 3. ) XXXX, account number XXXX 4. ) CMRE, account number XXXX 5. ) XXXX XXXX, account number XXXX 6. ) XXXX XXXX XXXX XXXX XXXX, account number XXXX ; 7. ) XXXX   XXXX, account number XXXX ; 8. ) XXXX XXXX XXXX, account number XXXX ; 9. ) XXXX, account number XXXX ; 10. ) Bankruptcy, case number XXXX ; 11. ) Bankruptcy, case number XXXX ; 12. ) Bankruptcy, case number XXXX ; 13. ) Bankruptcy, case number XXXX 14. ) Federal Tax Lien, {$170000.00} Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
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:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2020-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Someone stole my card as soon as I realized I contacted Bank of America to lock my account and let them know of the unauthorized transactions so far. They are still having my account charged and taking my direct deposit checks. They will not give me any access to any money so I can atleast get groceries to feed my child. I have been on hold for 3 hours today spoken to 8 people JUST today. I have been banking with them for over 10 years and this is the first time it happened and I am completely disappointed with how theyve handled 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 monetary relief
Consumer complaint received 2020-12-15
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card
Issue: Balance transfer

Complaint:
XXXX XXXX, XXXX we requested a Balance Transfer with American Express to pay off our XXXX bill in the amount of {$7300.00} They instead sent the payment to XXXX XXXX and we DO NOT have a XXXX Penny card. We disputed it several times and in XXXX XXXX they did a Balance Transfer to XXXX as originally requested but they refuse to credit me back for the original {$7300.00} that went to XXXX XXXX. They are forcing me to pay the original transfer of {$7300.00} to XXXX XXXX and I do n't even own a XXXX XXXX account.

Company response to consumer: Closed with monetary relief