BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: AZ
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:
It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$54.00} XXXX  XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$340.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-04-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX, 2015 at around XXXX, I visited the branch at XXXX XXXX XXXX, XXXX XXXX, FL XXXX, to purchase euros. I used a credit card after being assured XXXX by the teller that it would process as a charge and not a cash advance. I told him that I would pay cash if it processed as a cash advance because I did n't want to pay the cash advance fees. I looked at my account online a few days later and discovered it had been processed as a cash advance. I was finally able to speak with the branch manager, XXXX XXXX. She took my information and told me she would get back to me. She called two days later and left a voice mail to call her with no further information. I have since left a voice mail XXXX on her direct number XXXX, but have not had the courtesy of a return call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
On XXXX XXXX2022 I sent a letter to Experian disputing incorrect information concerning Bankruptcies that was being reported on my credit report. The information that was being reported was incorrect and I included in the letter for Experian to send me verification of the source they used to verify the information they used to determine the information that was being reported. On XX/XX//2022 I got a response back through email that the information that was reported was correct according to the source they used. The company did not do what was asked of them and provide the proper source they used to determine that the information was correct.

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 2022-07-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I disputed with Experian about ( 1 ) to remove the notices that they put on my report and ( 2 ) to correct my address.

1. I contacted them 3 times and they said they were going to delete the notices, but they never did.

2. Again, I contacted them 3 times to delete 2 wrong addresses from my report and leave only the correct one. On XX/XX/XXXX, they changed my correct address to a wrong one. And on XX/XX/XXXX, they deleted all of my addresses. 

It is just ridiculous and annoying.

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 2015-10-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My boyfriend deposited a check into my account Friday the XXXX of XXXX at Wells Fargo bank. He made an error on the amount and changed it and intialed the mistake and proceeded with the deposit of XXXX dollars. The teller then accepted the check and did not inform him that they would hold the check availability until the XXXX of XXXX. They immediately withdrew the funds from his account and refused to allow me access to the funds so that I could pay my bills and see my doctors! I now have to make another appointment with my XXXX which will take at least 30 days before she can see me and cause me to run out of medication! If I run out of medication I could have XXXX! I have no one else to pay for my doctors visit or my medication. I ca n't even borrow the money from my boyfriend because Wells Fargo is holding all of his money. I can not believe it is legal to hold someone 's funds for 12 days! I am so tired of this banks illegal processes and their lack of customer service! They have caused me so much stress I almost went to the hospital today!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called creditors and asked about serval Inquiries on my credit I didn't recognize or authorize customer service would not help or take care of negative inquiries reporting to my credit report!! I called and mailed in letter on XX/XX/XXXX and on XX/XX/XXXX and on XX/XX/XXXX and on XX/XX/XXXX asking to resolve this matter and still nothing has been done!! 1. Inquiry Date XX/XX/XXXX XXXX XXXX XXXX 2.Inquiry Date XX/XX/XXXX XXXX XXXX 3. Inquiry Date XX/XX/XXXX XXXX XXXX XXXX 4. Inquiry Date XX/XX/XXXX XXXX XXXX 5. Inquiry Date XX/XX/XXXX XXXX XXXX   6.Inquiry Date XX/XX/XXXX XXXX XXXX 7.Inquiry Date XX/XX/XXXX XXXX XXXX ( On my report twice ) 8.Inquiry Date XX/XX/XXXX XXXX  9. Inquiry Date XX/XX/XXXX XXXX XXXX XXXX ( On my report twice ) 10. Inquiry Date XX/XX/XXXX XXXX XXXX ( On my report twice ) 11. Inquiry Date XX/XX/XXXX XXXX XXXX 12. Inquiry Date XX/XX/XXXX XXXX XXXX 13. Inquiry Date XX/XX/XXXX XXXX 14. Inquiry Date XX/XX/XXXXXXXX XXXX 15. Inquiry Date XX/XX/XXXX XXXX/XXXX  16. Inquiry Date XX/XX/XXXX XXXX  ( on my credit twice ) 17. Inquiry Date XX/XX/XXXX XXXX XXXX ( on my credit twice ) None of these inquiries belong to 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 2022-07-20
Company: EQUIFAX, INC.
State: NC
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:
In accordance with XXXX XXXX XXXX Reporting XXXXt Account # XXXX and XXXX has violated my rights 15 U.S.C. 1681 Section 603 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently refinanced my mortgage on XXXX XXXX 2015. Wells Fargo was paid off on XXXX XXXX 2015. I am owed about {$2600.00} from them in my escrow account. It is now XXXX XXXX 2015 and I have yet to receive payment from Wells Fargo from my escrow account. I want to know why if I, as the consumer, am late with my remittance on my mortgage, be it a fault of mine or fault of the mail system, Wells Fargo will send me to collection. But if they intentionally sit on my money, by delaying payment to me ( thereby still collecting interest on that money, since it is still in their holdings ) there is no consequence or way that I can get my money back from them. I also feel that in this day and age of instant payments via the internet, it is atrocious to think that Wells Fargo can not remit my money electronically. I feel that this is very unjust to the consumer and that the consumer should have some sort of legal recourse against the banks for intentionally being slow ( there is no honest excuse in the days of electronic banking, especially since I paid my mortgage electronically each month ) to hold on to the consumer 's rightful money as long as possible to reap the benefits of holding it. I do realize that the basic interest rates are extremely low at this point but it is the honest principle that there is no reciprocity in the process between the banks and the consumers. The banks are all powerful and there are no real consequences for them. I would appreciate any feedback you can provide. 
Thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection notification from Pioneer Credit Recovery in the mail, asking for an amount of {$17000.00}. The address was mine, but the addressee was a company called XXXX XXXX XXXX XXXX, which I have never heard of until today. I have not made contact with them, as I have no trust that Pioneer is a legitimate debt collector, instead choosing to immediately file this complaint so the matter can be investigated properly.

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 2020-03-16
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I purchased this property in XX/XX/XXXX for {$65.00} it was an arm buy .The mortgage ballooned to 9.5 % interest rate I have tried 3 times with Chase to refinance this loan .I purchased a house in XX/XX/XXXX in which my interest rate in 3.5 % from another lender. Every time I've tired to get the rate lowered Chase always turn me down .In this time a 9.5 rate is unheard of my credit is not bad either .Chase has stuck me with a Predatory loan I had this loan for 13 years I paid XXXX and as of today I still owe XXXX.please help if I could just get it lowered a few points what make Chase think if I can pay 9.5 % I cant pay a lower interest rate this is not fair at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received a debit card and a letter from Bank of America stating that I went over the limit on certain withdrawals and transfers from a savings account. I do not have a savings account with Bank of America. 

I called the customer service number on the debit card which I now believe to be fraudulent. I was transferred to the fraud department. I gave my social security address and home address. Numbers I called were : 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 explanation
Consumer complaint received 2015-07-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XX/XX/2014, a finance adviser at XXXX XXXX XXXX confirmed an approved vehicle loan application with Fifth Third Bank in my name. That day at the dealership, I was given a Fifth Third Bank Note to sign and I was able to leave with vehicle. Waiting for Fifth Third monthly payment statements. I received a demanding letter for payment from a different bank XXXX. I was suspicions that this was fraud and a scam, because listed on my vehicle title as a lien-holder was only Fifth Third Bank and the finance adviser at XXXX XXXX never mentioned XXXX. I sent notices to both banks demanding for answers. For months, I was unsuccessful in finding clarification. Without a court order or notices my car was illegally repossessed by XXXX. On XX/XX/2014, a letter sent by a Fifth Third Bank specialist, XXXX XXXX stated that my loan application was declined on XX/XX/2014, and the bank routed my declined application to Santander for approval. I did not authorize this transaction and I was denied the right to declined XXXX 's loan offer. XXXX have illegally repossessed vehicle before and there is a case against them that proves that. United States of America vs. XXXX XXXX XXXX. Furthermore, the dealership never asked for the car back, because of a declined loan XX/XX/2014 and I never received any notices of explanation from Fifth Third Bank or the Dealership before or on XXXX stating that my loan was declined. Both banks and the dealership have been deceptive with the loan transaction and Fifth Third Bank are still listed on my vehicle title. I also have letters from XXXX contradicting Fifth Third claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: JPMORGAN CHASE & CO.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
The  XXXX   XXXX  settlement case. Turned in my car on   XX/XX/XXXX ,   promised that Chase would  pay $ 12,000+.  It is now   XX/XX/XXXX ,  my  XXXX  settlement account is blocked and I was told that Chase would call. They never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Professional Debt Mediation, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company is attempting to collect a debt on a rental agreement I originally had with XXXX XXXX. The debt was already discharged in Philadelphia Municipal Court, and by the original creditor, in an attempt to avoid being sued for mold exposure. I forwarded the legal judgment for XXXX dollars to the debtor when they first contacted me. They reported this debt to XXXX  anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Synchrony bank, has been harassing me over a charge on a credit card that was not made 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 non-monetary relief
Consumer complaint received 2019-08-10
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Thursday XX/XX/XXXX, I started an interaction with a woman on XXXX named XXXX XXXX. My intentions were to purchase some concert tickets she was selling for a show that was the same night. I got proof of purchase and decided to use pay pal in case she was scamming me. Turns out she needed the money as soon as possible but the funds were unavailable to her immediately. It said they should be in her account by XX/XX/XXXX. We went back and forth after I had already sent her {$80.00} and she never sent me the tickets and proceeded to block me from XXXX. All of our messages are now partially unavailable because her account was deleted. I will include the messages I sent her but it will sound a little confusing because you cant see her responses. If she hasnt received these funds, I would REALLY appreciate a refund if thats at all possible. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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: Account status incorrect

Complaint:
Im very concerned with Experian and their investigation into my dispute regarding a late payment for XX/XX/2018 Ive attached the pay grid for XXXX and XXXX which clearly show I wasnt late that month. Although this occurred in 2018. I still want the payment toreflect properly. Please remove late payments

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 2016-04-03
Company: WELLS FARGO & COMPANY
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My furnace died on a frigid day in XXXX XXXX and the XXXX company offered financial help on the replacement with Wells Fargo. One year later I noticed a {$2400.00} interest charge on my monthly WF statement. WF has refused to waive any of the interest even though I executed a full payment using fund balance transfer by another lender 5 days after the 1 year interest free deadline. I overlooked the deadline ( my bad ) but this transaction over penalizes the situation. I made monthly payments the first year on time and the Urgent Statement message ( XXXX XXXX statement ) notifying me of the expiring special terms is easily missed ( I think WF knows this ). I did n't see the problem until the XXXX XXXX statement showed whopping interest. WF said the other lender transaction will be too late to reduce any of the interest. I did n't have {$5400.00} in cash to pay the full balance when I asked WF to waive or reduce interest. I started working another job in XXXX to pay for the furnace. Reasonable business practices like this push people who are living pay check to pay check even deeper into financial hardship. Staff at WF say they 're just following accepted business practices and they have no flexibility to make more reasonable decisions. Some people who are financial strapped ca n't keep up because of situations like this. I was late 5 days on full payment ( not even a month ), one month late of {$2400.00} is about {$200.00}, and I 'd be agreeable to pay that because I made a mistake, but {$2400.00} is not fair for the circumstances.

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