BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I found out that there are accounts and credit inquiries on my credit report that do not belong to me ; I found out today XX/XX/20 because I was denied from getting a XXXX  XXXX credit card. The accounts and inquiries that do not belong to me were opened without my permission. I do not have any contract or relationship with any of those companies and I never gave them permission to run my credit. I did not benefit anything from these accounts and inquiries that were opened in my name nor did I ever make any payments towards any of those accounts. I still don't know who opened those accounts in my name but I have filed a police report to the best of my knowledge regarding all of these suspicious accounts and inquiries.

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 2015-11-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have discovered someone stole my identity and opened several accounts with Wells Fargo without my knowledge. The fraudulent accounts were foreclosed on and others sold or transferred to XXXX parties XXXX, XXXX XXXX XXXX XXXX and others from the XXXX XXXX XXXX and XXXX XXXX XXXX. 
Wells Fargo was informed however never corrected inaccurate information listed on my credit report. The inaccurate information continues currently to cause financial harm.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a business checking account for my small business 20 years ago with Wells Fargo. For some reason at the time they required me to open a business savings account in addition to the checking. I haven't used the savings account in all this time, but I recently closed my checking account. Today I got the statement for the savings account which reminded me I needed to close it too. I tried to do so at a Wells Fargo branch. The teller said I wasn't authorized to close it, as did the banker. They said I was listed as an " employee '' on the account instead of the owner. I told them I've always been a sole proprietor and never had any employees. They said it was an error in their system. I asked them to fix the error and allow me to close the account immediately. They refused, saying they had to investigate their error before allowing me to close the account. I asked them to use the same criteria that allowed me to recently close my checking account to close the savings account ( since the accounts were linked ). They refused. First they forced me to open an account I didn't need, now they won't let me close it. Shameful business practices from a notoriously shameful company.

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 2020-04-19
Company: CL Holdings LLC
State: VA
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:
On XX/XX/XXXX a collection account, with a balance of {$4300.00}, was reported to the credit bureaus by Jefferson Capital Systems. The agency states that the account was opened on XXXX XX/XX/XXXX. Prior to XXXX of this year this company was not listed on my credit report and the XXXX date greatly diminished my rights to dispute this debt. I disputed the debt through XXXX  on XXXX XXXX and the bureau found that the debt does not go against FCRA although I have never received any documentation and the company is reporting the account as being opened on XXXX XX/XX/XXXX. Since XXXX XXXX I have received 135 robo-calls from this company, no voicemail was ever left and if you call the number back it's a recording. I have never consented to robo-calls and they have been non-stop. I have attached a copy of my credit report from XX/XX/XXXX showing that the account was not present previously as well as screenshots as well as screenshots of the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I recently applied for and received an American Express Delta Skymiles credit card. I since activated it and used successfully for XXXX internet purchase. I tried to make a XXXX shortly after and it was declined. Not being familiar with AmEx I thought maybe the merchant just did not accept american express and they did n't have anything specifically stating whether or not they accepted amex. I tried to use my AmEx card to rent a car at XXXX XXXX rental at XXXX airport in XXXX SC several days later and was told that the card was declined. I called the customer service number on the back of my card and was immediately transfered to the fraud protection department. The representative asked for my name and birth year to verify my account. I provided the correct information, then the representative asked if I had the reference number that was left on my voice mail. I said that I did not, he checked to see if there was another way to verify my identity and after a few moments he said he was sorry that he was unable to verify my identity and I asked what was wrong, he said my account was flagged with a fraud alert. I explained that I had n't received any missed calls or voicemail. He said to keep the line open and they would call back within 72 hours. I went online and signed into my account to see if there was anything I could do from there. I noticed there were XXXX numbers on my account, my work number and my cell phone number, XXXX of which I can not edit and which I can only see the last XXXX digits. After that i figured what may have happened is that they may have called the office/work number, which is the main number and not my direct line and either does n't have voicemail and if it does i do n't have access to it. I called back and explained to the representative my situation, she said she would remove the reference number and would call me back. I asked to please call me back on my mobile number and she said not to worry they would try all phone numbers on my account. I did not receive any call and over a week passed by. I received an email this morning stating my account would be close due to a fraud alert and they have been trying to contact me but could not reach me. I called back this morning a little irate and told them this was getting ridiculous, they lady said she would have a supervisor call me back and ask if there was a preferred number. I gave her my mobile number which is listed on the account, I still have not yet received a call. I just want to use my account, this is very frustrating and it feels like some kind of scam. i have since received a bill/payment due date for my XXXX purchase, yet they wont call me back. Someone please help!!! This is the worst experience I 've ever had with a credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: EQUIFAX, INC.
State: NJ
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 the year XXXX my credit score was a XXXX. I applied for credit in the year XXXX and was rejected with a XXXX credit score. I obtained a rental apartment and have been paying rent for two years. I have not applied for any forms of new credit during my two years renting at my apartment. Today, XX/XX/XXXX, I applied for a XXXX & XXXX XXXX and was denied with reason my credit score is a XXXX. I am complaining to the credit bureaus that they keep dropping my credit consumer score to very low levels. This is not the first time my credit score dropped very low and each time I work very hard to reestablish my credit image. I work very hard to reestablish my credit image and when I am not paying attention to my credit score, then i find out that my credit score has dropped again. There is no reason why the credit score should drop ; in fact, my score should be increasing with my rental payments. This is psychological abuse of character and defamation of financial image. I realize my credit score can not grow because the bureaus keep dropping my credit score to crippling unreasonable score levels. I am born in America and a citizen of this country but my credit score is that of a foreigner who has just arrived at this country and is a student. I have almost XXXX years of credit history in America. I am shocked to learn that in XXXX  XXXX years as an American citizen my credit score is a XXXX. When will this attack stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I made my payments to XXXX XXXX up until my card was compromised 2015, in which I reported to them & requested my card to be closed. However, they did not & instead charged me numerous late fees & then reported me for collections. This was my first ever credit card & it truely ruined things for me, I have disputed this many times throughout the years with no luck. I am trying to rebuild & establish a relationship with creditors but my collections account is getting in the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Experian Information Solutions Inc.
State: CA
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 met spoke with a sales person from XXXX on XXXX XX/XX/2021 to obtain a quote for Solar panel installation. At no point was it discussed that I required a loan as I intend to purchase outright. When the sales person asked to confirm my social security number I questioned him on why that was needed. I advised I did not want any loans or any enquiries made on my file. He assured me it was for an identity check and to ensure I own the property. 

I was alerted by Experian on XXXX XX/XX/2021 about 2 new credit enquiries. 
- XXXX XXXX XXXX - XXXX XXXX XXXX I spoke with the sales person immediately. He advised that he wasnt sure why his team had done that and assure me he didnt request any loans for me. Ive spoken with XXXX XXXX more times in the past 2 weeks but Im still yet to get a response other than were looking into it. 

On XXXX, I spoke to Experian and placed a fraud block on my account. They advised that someone would call me to discuss the enquiries but Im yet to receive a call. 

I attempted to call the numbers provided by Experian for the 2 companies responsible and they went to an IVR that didnt allow me to get to an operator. 

I found the numbers online for XXXX XXXX  who operate the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX program and they confirmed that XXXX had submitted loan requests on my behalf. I requested that this be investigated and reversed as I had not requested any loan or authorized my credit report to be shared with any lender. The operator said they would investigate the issue and get back to me. I did not get a return call so I called them again a week later and I was advised that my account was noted with the information but it hasnt been dealt with yet. I requested that it be escalated but as of today I still have not received any update or return call.

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 2021-07-31
Company: DISCOVER BANK
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:
Due to the pandemic, my business revenue fell to nearly zero early and mid 2020. I contacted all creditors to make payment arrangements. During this time the Cares Act obligated creditors to report accounts as current ( or not to report any delinquency ) during the pandemic as long as I was in touch and worked out arrangements. Which I did with all creditors. However, three creditors DID report delinquent payments on my XXXX  and XXXX  credit reports, significantly impacting my rating and score.

These three creditors include XXXX, Discover, and XXXX XXXX. When I found this out I disputed the incorrect data directly with XXXX  and XXXX. They did not take any action to correct it. Then I contacted each one of the credit card companies to ask directly to correct these mistakes and NONE of them have gotten back to me. They have not even responded on way or the other. This has been over the past few weeks. I have not received any letters or emails with a resolution. Since conversations about this were by phone, I do not have any documentation directly from the credit card companies other than the data from them my XXXX  and XXXX  credit reports. 

Specifically, XXXX reported me 30 days past due on XX/XX/2020 on both XXXX  and XXXX. Discover reported me past due on XX/XX/2020 on both reports. XXXX XXXX was the worst, they reported me XXXX past due for three months in a row : XX/XX/2020, XX/XX/2020, and XX/XX/2020 on both reports. My XXXX  report is correct and shows no erroneous reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have a consolidation loan with PHEAA who conducts its student loan servicing operations for federally-owned loans as FedLoan Servicing. I am a federal employee and have been paying my student loans under the XXXX XXXX XXXX XXXX program for almost 10 years now. PHEAA does n't show on my loan status most of my payments toward XXXX. I should have more credited payments than they are showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
American Express had a XXXX Membership Rewards bonus for a new AMEX Platinum Card. I have had numerous AMEX cards over the years so I believed I only had the Business version of this card. I asked on their live chat and I was given the list of previous cards, this personal Platinum Card was not on this provided list. I even asked him to verify before I applied, he assured me I never had this card. After charging over XXXX on the card I was told online that I indeed had the card. I asked him to pull the chat and he said the agent made a mistake. The classic issue here is that AMEX can tell you when you apply that you do not qualify, instead they let you get the card issued, make your spend, and then are told by AMEX you do not qualify. These IT systems are smart enough to know if you qualify at application. This AMEX process is flawed and in many ways fraudulent. This company needs to address this issue, none of the other major banks, including XXXX and XXXX are so deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 the year XXXX my credit score was a XXXX. I applied for credit in the year XXXX and was rejected with a XXXX credit score. I obtained a rental apartment and have been paying rent for two years. I have not applied for any forms of new credit during my two years renting at my apartment. Today, XX/XX/XXXX, I applied for a XXXX XXXX  XXXX XXXX and was denied with reason my credit score is a XXXX. I am complaining to the credit bureaus that they keep dropping my credit consumer score to very low levels. This is not the first time my credit score dropped very low and each time I work very hard to reestablish my credit image. I work very hard to reestablish my credit image and when I am not paying attention to my credit score, then i find out that my credit score has dropped again. There is no reason why the credit score should drop ; in fact, my score should be increasing with my rental payments. This is psychological abuse of character and defamation of financial image. I realize my credit score can not grow because the bureaus keep dropping my credit score to crippling unreasonable score levels. I am born in America and a citizen of this country but my credit score is that of a foreigner who has just arrived at this country and is a student. I have almost XXXX years of credit history in America. I am shocked to learn that in XXXX  XXXX years as an American citizen my credit score is a XXXX. When will this attack stop!

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 2016-12-07
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card
Issue: Delinquent account

Complaint:
I am filing a consumer complaint against American Express. I have XXXX cards with them : platinum charge card and a blue preferred credit card. I have had a previous CFPB bank fraud case. The case number is XXXX. I have notified Amex about this and how it has affected my finances. Since XXXX, I was able to make electronic repayments in XXXX ; however, American Express removed this option for the blue preferred credit card. I still paid off my platinum card. Well, Amex cancelled XXXX cards this XXXX. I deemed that grossly unfair when the company removed its electronic repayment option for the blue preferred credit card. I had always paid electronically because then the money would be applied to my account faster. American Express can not remove my ability to establish a repayment plan but then penalize me and my credit history in the process. Furthermore, having been an American Express card member since 2012, I had a stellar payment history until this summer. There was no rhyme or reason why American Express would cancel me then harass me three times a day ( from XXXX even on XXXX to XXXX ). Its phone number that it harassed me from is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Re : Case # XXXX So is the result that my XXXX options are to either sue American Express Centurion Bank in small claims court or allow them to keep {$1400.00} of my money that they have admitted that they received custody of in my behalf? And you have no authority nor can refer me to an authority for assistance with my issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I deposited a check at Bank of America on XXXX/XXXX/15 after XXXX XXXX, but I did not realize the check was dated XXXX/XXXX/15. The bank bounced the check on XXXX/XXXX/15, I think the money was available on XX/XX/XXXX but they decided to reject it. I deposited a check for {$1100.00} on XX/XX/2015 and was informed there was a hold in place for {$900.00} until XXXX pm XXXX/XXXX/15 and that I was told by XXXX of bank America that {$200.00} would be available by XXXX Saturday XXXX/XXXX/15, ( see attached account history for XX/XX/XXXX ) sometime Saturday the entire amount was put on hold and the check is now on permanent hold, ( see attached bank statement ) I am not sure when it will be available, when I asked XXXX of bank America why, he said it was in the risk dept, and to call Monday, I feel Bank of America is trying to generate fees and lying to me when I try to address my account problems, I have no funds in my account, and feel I am being treated in a arbitrary and capricious manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Reference Case number : XXXX And-See attached bank information form Bank of America letter and Bank of America website. ON XXXX XXXX, 2016 I received a letter form the bank ( attached ) dated XXXX/XXXX/16 that indicated my request for home mortgage assistance is " not being reviewed because we did not received the requested documents? PROBLEM the bank has not communicated or provided a request for documents. the specifics of requested and required documents has not been made to me by the bank. Further as indicated on the bank 's website the bank should have sent me a financial information packet to complete ( see attached ). The referred to packet, needed for my request for assistance to proceed has not been provided to me. I have contacted the bank 's customer service dept as well as bank representatives XXXX XXXX and XXXX XXXX, and a bank advocate ( see attached ). In the meantime the bank as determined they will transfer service of my loan on XXXX XXXX, 2016. In my communications with CFPB, Bank of America customer service and the bank 's advocate XXXX XXXX XXXX x XXXX ) it is imperative that my request for assistance be submitted and process prior to this transfer. By phone with bank representative XXXX I expressed the same. In the meantime days are passing and I do not have communications or paperwork from the bank needed to process my request for assistance.

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 2017-01-21
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
The information they gave me was very wrong and misleading, even though they said I do n't have to pay anything monthly, I 'm still making payments of XXXX a month, but only XXXX shows monthly on my credit profile. I felt this is a fraud and its awesome that you guys are investigating this.

Company response to consumer: Closed with explanation