BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-29
Company: WELLS FARGO & COMPANY
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have had several issues with wells fargo bank from taking credits back before i.was informed per their.own.disclosure time as well.as customer service reps being.rude and hostile.on.the phone. Today i had yet another issue with being charged a XXXX dollar overdraft fee when i had previously called and spoke.witha. rep that told me i would have no overdraft fees accessed to.my.account because i had free overdraft protection. I called into customer service and spoke.with a very rude nasty disrespectful representative who put.my.on.hold.in.the middle.of.me talking because i asked.to.speak.with a supervisor. At this point i will pay the fee and close this account for.good once my deposits are finiahed tomorrow. This.is.the most unlawful, unethical.bank i have EVER had to.deal.with. i.would like this to.serve as a formal compalint and it.to.be fully.investigated as this bank.keeps.practicing fraud and poor customer service as well as unwarranted fee charging. There is.no.way i am willing.to.accept a XXXX dollar fee for.transferring XXXX dollars of my.own.money especially when.i was told that i did.not.have any fees at all.associated with my account. Then when.i.brought up what the previous rep.told me the current ladybi.spoke.with today began.to argue pretty.much that i had asked rhe wrong.question and got the wrong.answer without even.knowing.what the other.rep.told.me despite me requesting the previous conversation be reviewed. The most barbaric, unlawful, unethical banking institute ive ever had. Will be closing my.accounts tomorrow as well as moving family accounts from.wells.fargo.as well. Ridiculous!

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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-02
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They have been repeatedly calling me at least twice a day for the past month. I recently answered the phone, and as they spoke about that I didnt confirm nor deny it was mine. All I did was ask for debt validation letter and the contract from the original creditor, or any documents pertaining to this credit from the original creditor mailed to the address that they stated they continue to say that they couldnt do it and it wasnt available so then they put me on the phone with a supervisor and both times the supervisor continue to ask me for my name and all I said was if they can send the above name documents to the address that they have on record and she continue to say if you dont tell me your name, I will not talk to you and proceeded to hang up

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: WELLS FARGO & COMPANY
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have a loan with Well Fargo Bank.. my car was repossessed on Tuesday XX/XX/2017 I totally understand that I was behind in my payment and my payment history was not the greatest. But I have the money to pay the back payments and they refused to take it and suggested I pay XXXX then I can get the car back ... I want my car ... I called everyone and they had me on hold for a total of 4 hour within three days and they said they can not reverse it,,, I know I made a mistake but I need my car and I have the means to pay and continue to pay. 
Please help 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 2016-02-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Here 's another complaint about Wells Fargo placing unfair and deceptive holds on my deposits. I deposited another check for {$500.00} at the ATM and there was NO MENTION of a hold at all. Then the next day, WF places a hold on the check without informing me ... Again, to basically try and scam me on overdraft fees. Now here 's the kicker ... they send me a letter in the mail saying " if you were not informed of the hold at the time of deposit, we will waive overdraft fees if you contact us. '' So basically they are saying they will scam you for Overdraft fees and unless you happen to be proactive and call them, they will steal your money. THIS IS CLEARLY AN UNFAIR AND ABUSIVE PRACTICE. I am disgusted and the CFPB needs to sue WF over the abusive deposit holds. Why should I have to call to get fees reversed? What if I never received the letter and never even knew? WF needs to reverse these fees without consumer action being taken. Very disturbing behavior again from WF. Also, they refuse to tell me why they are even placing the check holds to begin with. Unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2016-10-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have reason to believe my account information for my Wells Fargo accounts was accessed by Wells Fargo personnel, without my permission.I contacted WF to get records of when my account was accessed, without my permission. They refused to release that information to me. They assured me that they address those situations in house, and that their policy is not to notify a customer when a WF employee accesses customer account information. I therefore as a WF customer have no way to know if my account information was viewed by WF employees, even if there were no unauthorized accounts opened. I still consider that to be a breach of confidentiality.

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 2017-01-13
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I logged in to XXXX and noticed there was a hard inquiry from cbna. The date was the day I went on vacation but I never ran my credit. This information is incorrect and needs to be removed asap.

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 2016-12-20
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Express Recovery Services is reporting and attempting to collect on a debt that is n't mine. They sent something that showed my signature forged. I 've never done business with this company and I need them to remove it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: LEXISNEXIS
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I, XXXX XXXX XXXX XXXX, under the penalty of perjury affirm that all forthcoming statements are true. In XXXXXXXX XXXX XXXX I submitted a CFPB complaint against XXXX for reporting unverifiable public record information to my XXXX credit report and file. The unverifiable public record account being reported by XXXX is as listed : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX claims that this public record being reported has permissible purpose because it was verified as accurate by reseller Lexis Nexis as of XX/XX/2022 but Lexis Nexis is saying the complete opposite. Lexis Nexis is saying that the public record is unverifiable at that Lexis Nexis has made the decision to delete and remove the unverifiable public record information as of XX/XX/2022. XXXX claim they investigated this dispute and that it was verified as accurate by Lexis Nexis but there is no way they attempted to investigate the accuracy of the information if LEXIS Nexis is saying that the information is unverifiable. If Lexis Nexis sold this information to XXXX and are now saying they can not verify the information and the XXXX XXXX XXXX located in XXXX is also saying that they do not verify or validate disputed information, then that means that XXXX has no way of validating this disputed public record information and shall delete the fraudulent account immediately pursuant to Fair Credit Reporting Act subsection 15 USC 1681b. If XXXX refuses to delete this public record account that can not be verified or validated, then I will be forced to pursue remedy by filing a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX  before a competent court of law! XXXX can be held liable criminally and civilly for these FCRA violations. Delete public record account immediately as it lacks permissible purpose for reporting and also continues to violate my federally protected rights now making me a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed out of {$2000.00} from my Chase bank account. I was told to wire/send money towards a rental deposit to another person 's account via XXXX. That same day I tried to have the transaction canceled or reversed and I had provided information to my bank to do so while the status was still pending. They refused to cancel or stop the transaction, nor did they provide any evidence of action/ provide follow up to the issue. I created a dispute, and tried multiple times to reach out to my bank and they have not been able to provide any assistance. I asked Chase to provide me some documentation showing I filed the dispute so that I can go to the police to file a report but they stated they " can not email me a reference number/ claim number for the dispute I initially tried to create. Now I have lost the ability to dispute the transaction. The account my money was transferred to is still active and capable of scamming others and although the information of that other account is accessible to the bank they refuse to retrieve the funds. I have attempted to request the money back via XXXX through my Chase app and the scammer is denying the return of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I live in XXXX, NY and I use Wells Fargo bank. I have been with Wells Fargo since I was XXXX years old ( it was Wachovia Bank then but was absorbed by WF ), moved to XXXX at XXXX, and am now XXXX. There are approximately XXXX Wells Fargo branches in XXXX and none in the other XXXX boroughs of XXXX. When I need an ATM it is not convenient for me to go all the way into XXXX to use a Wells Fargo bank, and therefore end up using a non-WF ATM to withdraw my money. Wells Fargo charges {$2.00} every time I use a non-WF ATM in addition to the ATM fee which is usually around $ XXXX. So every time I get cash I am charged about {$5.00}. I do n't make a ton of money. I work in the XXXX and with ever-rising rents I just barely stay afloat. If I were to take the train into XXXX and back to XXXX just to use the ATM, that 's approximately {$5.00} on my XXXX! So I 'm paying this fee regardless and I 'm fed up! I use an ATM around once a week. $ XXXX/week for the ten years I 've been in XXXX comes out to about {$2600.00} just to use ATMs. {$1300.00} of which Wells Fargo takes as punishment for not using their bank specific ATMs. I want my money back!

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 2022-11-02
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or around XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor ) sent account for {$690.00} to Professional Credit Management ( Collection Agency ) On or around mid XX/XX/XXXX or XX/XX/XXXX XXXX XXXXl also sent another account in the amount of {$480.00} to the same collection agency in error. The original creditor never filed this with my insurance provider. 

I have spoken with several different people at XXXX XXXX XXXX Department and XXXX XXXX agency to get this matter resolved. I have been unsuccessful in getting the {$690.00} removed. I did not authorize XXXX XXXX  to share any information with anyone which is a violation of the HIPPA LAW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: WELLS FARGO & COMPANY
State: NC
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 XX/XX/XXXX I decide to check my Wells Fargo account to make sure I was not charged for text book rentals that I forgot to turn in because I am a college student, and when I checked my bank account I seen various ATM withdrawals totaling up to nine transactions that I did not authorize nor did I take out myself and when I check my wallet my card is no where to be found in the wallet. Somebody stole my card and made various atm withdrawals totaling up to {$940.00} which includes the overdraft fees and Wells Fargo is telling me my claim is denied as of XX/XX/XXXX. I have no money, and nor do i benefit from making ATM withdrawals when there was little to no money in that account so I dont understand why my claim was denied when the card was not in my possession and the last time i used the card was on 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 2016-06-22
Company: Senex Services Corp.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The creditor Senex reported an unvalidated debt to the credit agencies. I sent them a dispute letter that included request for immediate removal of this and they responded by sending me a copy of a statement ( which for all I know could have been taken from a trashcan ), ignored sending proper validation that shows I specifically owe them, and simply reported to credit agencies that it is in dispute and it was NOT removed, which they are not allowed to do to begin with since it has never been validated. There is also a stamped note from Senex that says the account balance was adjusted to {$0.00}, how do I know the hospital did not write off as charity as they commonly do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I value you setting aside some margin to UPDATE a portion of the data in my credit document ; notwithstanding, there is still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureau to confirm this records ( 1 ). ( A ). I'm hoping that this disputed account get updated. 
CAPITAL ONE BANK USA XXXX Open Date XX/XX/2016 Balance : {$8500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: WELLS FARGO & COMPANY
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XXXX/XXXX/17 I ORDERED furniture from XXXX XXXX XXXX ( XXXX ) in XXXX XXXX UT. The furniture was to be paid for with an XXXX XXXX XXXX DBA XXXX Bank. I was required to pay for the 'Taxes ' up-front. This was done with my Well Fargo Credit Card in the amount of {$100.00}. Approximately a month later upon the estimated delivery date, I learned the furniture had not been ordered. In the interim I was first told the chairs were not available, then after research on my own this was not correct. A new sofa was to be ordered with the chairs. None of this happened. The 'floor model ' sofa was retained for my order. XXXX XXXX was unable to provide the services/furniture as expected and could not provide any additional information on the order. Phone calls sent me to warehouse were there was nothing for delivery. The manager refused to talk with me. My sales rep could not provide me with any solid answers for status. The order was NOT cancelled by me, it could not be delivered by XXXX XXXX. XXXX XXXX continued to bill Synchrony Bank. I disputed the charges. Synchrony Bank ruled in my favor and returned the charges. Wells Fargo as refused to refund the 'taxes ' based on the XXXX XXXX Cancellation Policy of cancellations subject to a XXXX % restocking fee. The order was never ordered to be considered for restocking fees and the same paragraph states 'floor models ' of what was retained for my order was 'SOLD AS IT WITH NO RETURNS '. I did not order the 'floor model ' and it was never delivered to be attempted to return. I submitted a dispute with Synchrony that was ruled in my favor. I submitted a dispute with Wells Fargo of the 'Tax ' charges and was denied for reason stated about. I reopened the dispute providing Synchrony Bank 's decision and to date have not received a reply. I do not have evidence of the Wells Fargo dispute documents. The Wells Fargo system removes documents after a small window of opportunity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I pulled my report and I noticed an address I never seen before this address below is not mines XXXX XXXX XXXX Fl XXXX Also I noticed an Employer I never heard or work for before I stated the employer below 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 2017-01-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2017 I deposited {$7500.00} check to Wells Fargo ( check was from my XXXX account ). Deposit receipt ( attached ) clearly stated that all the money was to be available the next day - XX/XX/2017. Relying on this information, I made a large payment as of XX/XX/2017 ( from Wells Fargo to XXXX ) ). The next morning I saw my {$7500.00} withdrawn already from XXXX ( copy of cashed check attached ) but deposit was placed on hold until XX/XX/2017 in Wells Fargo ( due to need of verification - as explained to me ). I went to the branch where I deposited ( with copy of my cashed check in hands ) - they directed me to call the main number to release this hold. I was on the phone then with XXXX people ( customer rep and from Consumer department ; offered be on line while they verify with XXXX if needed ) - was told to go to the branch where I had initially opened the account and ask the branch manager to remove the hold. I went there - the manager was not there, nobody else could remove the hold ( no guaranty that the manager would either ). In the meanwhile, my balance became negative from payment that I have made relying on this availability. As a result of the broken written promise of funds availability, I had to waste significant part of my work day trying to resolve the issue and had to borrow funds in cash to cover negativity on the account. Basically, Wells Fargo was holding my {$7500.00} ( already taken from my other account ) for nine days - free of charge and contrary to the availability indicated on the receipt. Pure deception and disregard to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent paperwork to update my credit report information to the correct and updated name, address, SSN, date of birth, and phone number via USPS certified mail on XX/XX/2021. I have still not received or see the updated information on my credit profile.

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