BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-13
Company: M&T BANK CORPORATION
State: PA
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 applied for a personal loan with XXXX XXXX XXXX XXXX  on XXXX, XX/XX/2020 and was not informed that my income was not high enough for the amount I needed. They ran a hard inquiry on my experian credit report and was denied on the basis of my income being to low. The relationship banker called and informed me that I was denied and the reason why. I told her that during the application process I specifically asked if my income was sufficient and she replied that it shouldnt be a problem. I asked if adding my father as a co-borrower would help as it would include his income as well. The relationship banker ran the new application through XXXX  on XXXX, XX/XX/2020 as my father as a co-signer vs. co- borrower which would help if my credit scores were not sufficient. I was denied a second time. The relationship banker called me on XXXX, XX/XX/2020 and informed me of her mistake and offered to expunge the hard inquiry from XXXX  XX/XX/2020 and redo the application a third time but correctly adding my father as co-borrower. XXXX  XX/XX/2020 she ran another application through XXXX  causing a third hard inquiry. I heard nothing till next day XX/XX/2020 when my credit was ran again for the 4th time again on my XXXX  report as well as my XXXX  and XXXX  credit reports. I usually have frozen at XXXX  and locked at XXXX and XXXX  but lifted them for a mortgage pre approval and for the personal loan. I also have an extended fraud alert on my reports as Im a victim of identity theft but was never contacted by XXXX XXXX XXXX XXXX regarding the steps necessary under the fraud alert bi-laws. I was told the extra hard inquirys were part of the verification process but I find nowhere where it says thats an acceptable verification process. They according to them are expunging the XX/XX/2020 inquiry as it was there fault in processing that application incorrectly. But they refuse to remove one of the last 2 hard inquirys claiming it was pulled twice due to the fraud alert on file. I know have 4 hard inquirys in a matter of 6 calendar days for a single personal loan, 2 of which Im not responsible for them not informing me about my income and incorrectly filling the application in XX/XX/2020. The excess hard inquirys are on my XXXX   report and not on my XXXX  or XXXX  reports.

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 2015-12-02
Company: GVA Holdings, LLC
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a call from XXXX XXXX XXXX XXXX, for an unpaid payday loan. He told me that I had been contacted several times for the unpaid debt, e-mail, and mail. I have received no e-mail, or mail concerning the debt. He told me that the parent company is going to press charges, he had my social security number. He also said that he would be contacting my places of work, and most likely will have to pay the court restitution of over five grand. I might even be put in jail. He would not give me a copy of the so called " affidavit ''. He told me that I would have to get a criminal attorney, because instead of suing me, the " company '' is going to press charges for fraud and theft. He also yelled at me for " crying '' /being emotional when he first called me. He called me 3 times in the past month. He called from a New York number : XXXX. His name is XXXX. He also said that he would be investigating me further, and contacting my employers as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied and received an American Express XXXX XXXX XXXX credit card which promised XXXX bonus points if I spent {$3000.00} within three months. I qualified according to American Express on XXXX XXXX. As of XXXX XXXX I had not received my bonus points. When I inquired they now insisted it takes up to three months to get the bonus points. The exact language of the offer and terms was this : XXXX XXXX XXXX XXXX will be credited to your XXXX XXXX account 6 - 8 weeks after the spend requirement has been reached. This appears to me to be false and misleading representation to entice me to get a credit card. I am also fearful I will never get the bonus points. I think American Express should be sanctioned. I appreciate any help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Bread Financial Holdings, Inc.
State: NC
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this credit card collections debt that was owed as a pay to delete, but my credit report is still showing the account is still derogatory instead of being removed from report which was discussed before paying that it would be when debt is satisfied. The account was paid and I no longer owe any debt to the collectors.

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 2016-01-19
Company: WELLS FARGO & COMPANY
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have XXXX loans ( XXXX school ) that combine to XXXX from Wells Fargo. I have been looking for employment since XX/XX/XXXX -- approximately 6 months before graduation and 16 months from today --, and since then I have been unable to find any. I am living with my mother for the first time in a decade, my savings are now depleted, and I can no longer pay the loan minimums. 

When I contacted Wells Fargo last month ( XX/XX/XXXX ) in our ongoing conversation about this issue, a representative told me that I was eligible for further 2 month forbearance on each loan. I called today to arrange these forbearances, but the representative I spoke to refused to extend the forbearance to me, despite the fact that his colleague offered me the option before, and despite the facts that I banked with Wells Fargo XX/XX/XXXX and even held a mortgage with them that was always paid on time. 

I can not make these payments and my family is no longer wealthy enough to pay my loans for me. I am doing everything within the law to find work and I will need my ( still-good ) credit to be able to rent or buy another house -- credit that will be compromised if the loans go into default. I do not understand what Wells Fargo wishes to accomplish by pursuing me for money that I can not pay them. I thought that I was getting a loan from a reputable lender XX/XX/XXXX ; today I feel like I 'm being victimized by a loan shark. 

I hope that the CFPB can intervene on my behalf in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I entered into the bank on an afternoon leaving town. I did multiple legitimate transactions and left the bank. I received a call the next day when I was traveling that the teller claimed to have given me XXXX too much. Not true and I left with what I though he owed me in an envelop. When the week came I not iced that not only had the teller cashed a check through my account without warning but that they took XXXX out of my savings robbing me of XXXX dollars. I am now XXXX negative that I ca n't afford to pay and my credit and account at risk. This is such a violation of bank laws and tactics Wells Fargo Should be ashamed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: The Bureaus, Inc.
State: NY
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 have a loan  with THE BUREAUS ( Original Creditor : 01 XXXX XXXX XXXX XXXX  ) and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, THE BUREAUS ( Original Creditor : 01 XXXX XXXXXXXX XXXX XXXX XXXX and XXXX  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Netspend Corporation
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
AceFlare  Account XXXX, Netspend closed my account at the beginning of XX/XX/2021. They closed it due to disputes from a company that I called numerous times to stop billing my account but they kept billing it. They closed my account without my foreknowledge when I went to use my card it was declined. I called them and they explained that my account was closed but would not elaborate. I assume it was for filing a dispute since there was absolutely no other reason for it. I was told they would mail me my available money in a few weeks. This is coming up on almost 2 months and I have not received my forms. This company is a deposit account and there is no way to call them if they close your account because you must put in a valid account number and if you do not have a valid current account you will not have the ability to speak to anyone. My checking account was XXXX and my savings was XXXX while that's not much it is still mine. They do not tell you they closed your account you will not find out until you try and use the card. I have had several bills unpaid because of this. ACE FLARE ACCOUNT by XXXX  I don't remember my account number and when they close the account all access to it ceases. My name is 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 explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$5700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.

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 2020-08-13
Company: DISCOVER BANK
State: NY
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 have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) and DISCOVERBANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) and DISCOVERBANK with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Did not receive notice of right to dispute. I have a dispute with a pressure cleaning company who damaged my house paint by using chlorine. I intend to sue them. Debt collector should have given me a notice and right to dispute prior to attempting to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo ( or a company purporting to be from Wells Fargo ) robo calls my work number at least five times a day. When I do answer, no one is there. When I attempt to call them back, I 'm put on hold with a recorded message playing and no one picks up. Please stop the robo calls to my job as each call is recorded on my phone record and it does n't look good to my employer. The number they are calling from is XXXX XXXX XXXX XXXX. I had an account with them a few years ago, but they have sent nothing in writing to my home address, nor tried to reach me at my home. They should have all that information in their files.

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 2022-01-29
Company: EQUIFAX, INC.
State: MS
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:
On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have a loan with CAPITAL ONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and CAPITAL ONE with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Venmo froze my account and then required I provide proof of my identity to them which I did immediately and received no updates, no contact info no addiontal information whatsoever until a week later when I was told after an investigated they had determined I violated their business practices, they have permanently closed my account and they would not be releasing any remaining funds ( XXXX ) for up to 180 days. no explanation, no phone number or email exists for that department even after calling Venmo customer support I was told they know nothing about those investigations beyond seeing my account was in fact frozen and being looked at. there is no recourse, they will not even disclose what the violation was. no info at all was provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, INC.
State: WV
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 am filing this complain over my current payment history and inaccurate utilization on all 3 credit reports. I paid off my XXXX XXXX credit card and my score was lowered by 18 points for not explained reason. I have excellent payment history and for some reason my score is still in the Middle when it should be must higher than it is showing!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a phone call, then was placed on hold. I was informed this is in regards to an alleged debt I am not responsible for. Also, the alleged original creditor is NOT listed on any of my credit reporting files. Note : the address mentioned in the attached letter has been updated to my current address. Current address has been in effect since 2014. Also, my credit reports are frozen, which prevents unauthorized parties from viewing my credit files without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I bring my all bank statement year XXXX and when I get there a banker said nothing wrong with my bank statement.and my all dispute was not all resolve. My tax return last XXXX was cash to Wells Fargo without my knowledge. Case not resolve.

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 2020-08-13
Company: Self Financial Inc.
State: MA
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 see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Mid-South Adjustment Co., Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ok i recieved a letter from a collection company its called mid south adjustments onXX/XX/XXXXtrying to collect a XXXX medical debt from XXXX county hospital well my heath insurance paid it for some reason there trying to collect it but the insurance provider paid it after it was closed out and sent to collection agency and i called to tell them this and would not do nothing and it was on my XXXX credit report i said i going to dispute it with the credit XXXX  bureas and so i did 30 days later came back verified so i could not re dispute it so here i am needing your help

Company response to consumer: Closed with explanation