BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XXXX XXXX XXXX  I moved from XXXX XXXX  to XXXX. In order to register the vehicle, the title needs to be transferred to XXXX, or the lien company needs to send a refusal letter. One two separate occasions ( XX/XX/XXXX, and XX/XX/XXXX ), the XXXXXXXX XXXX Tax Collector 's office has sent requests to Wells Fargo for either the original title of the vehicle loan, or a refusal letter. Both requests have been ignore by Wells Fargo. Tomorrow, XX/XX/2023 the registration on my vehicle will expire rendering it undrivable. My insurance company, XXXX, will drop coverage as soon as the vehicle becomes unregistered. 

To date, the only response from Wells Fargo, was directions to have the XXXX XXXX Tax Collector 's Office send them a request for the title. Which they have already done, twice, prior to Wells Fargo 's response, telling them to do what they already did.

Beginning Sunday morning, I will have loss of use of my vehicle. It will become unregistered, uninsured, and unusable. I'm sure becoming unregistered and uninsured violates some provision of my auto loan, allowing Wells Fargo to seize me vehicle.

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 2023-04-21
Company: Bread Financial Holdings, Inc.
State: SC
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 had an account with comity bank / torrid. They gave the account to a collection agency. I then paid the account in full. They sent me a letter with proof it was paid. They notified Torrid. Torrid continues to report it as a charge off. At this point after so many disputes and they continue to report false info I believe this should be totally removed from my credit report because of the problems being raised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: SC
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 had an account with XXXX XXXX XXXX XXXX. They gave the account to a collection agency. I then paid the account in full. They sent me a letter with proof it was paid. They notified XXXX XXXX continues to report it as a charge off. At this point after so many disputes and they continue to report false info I believe this should be totally removed from my credit report because of the problems being raised.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been with Wells Fargo for 12 years over the years I was charged a few overdraft charges and tried disputing them but wasnt able to get them reversed

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 2023-04-21
Company: CBC Companies, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Trying to get my free report from AmRent with no success. I sent the email asking for a free report and they replied via email and said theyll only work with me via phone, fax ( fax?! ), or physical mail. Tried to call the number and the reps have absolutely no idea what to do or where to transfer me. Saying they have compliance and privacy departments but no way to transfer to them. Just had the same issue with both AmRent and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Google Compare Credit Cards Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I wanted to provide supporting documentation regarding the dispute. With my Google Ads I received a notification that I had to remove the zip code associated with my Google Ad, as zip codes now fall under housing discrimination. Since I am a XXXX I can only provide services that are local to me. I reached out to Google with a phone call on XX/XX/XXXX. I was on hold for over 3 hrs ( attached ) without speaking to anyone before I finally disconnected. I reached out to them the same day via their chat option. I explained on the chat what was going on and followed the instructions of their agent. I was reassured my XXXX would still only show locally. I have screenshots of the chat. On XX/XX/XXXX I noticed that my ad was being shown only in XXXX, a location I can not service. I immediately paused my Ad, which should prevent it from being active. I contacted Google and was advised that I was supposed to change something with a target location of the XXXX in addition to what I was advised by their agent on XX/XX/XXXX. On XX/XX/XXXX I asked for a refund and was advised they would not issue a refund of the {$500.00} that had been spent advertising in XXXX. I also have screenshots of that chat. In addition I received a call from one of their reps in XXXX. I did not get her name. She said they would not offer me a refund and that request for a refund has already been denied twice by the department, the best she could offer was a {$100.00} Google Ad Credit, which I refused. I subsequently noticed an additional {$63.00} charge from Google on XX/XX/XXXX. Since my ad  was still paused, there should not have been any additional charges. On XX/XX/XXXX I had a video meeting with my new account manager XXXX. We went over my ad in great detail and I made my ad active again. I asked him about a refund of the {$500.00} & {$63.00}. He said he can't help with refunds and referred me to the department that has already denied my request at least twice. 
I have since contacted Google directly 3 times to get the balance removed. When I call they say the department I need to speak with doesnt accept phone calls, when I chat with them they also say the department isnt available via chat, only email. When I email them someone will call me and I try to explain what happened. They say theyll look into it and I never hear back from them this has happened over 3 times. Google is denying my request for a {$560.00} refund because the target areas I requested were excluded. I explained that any changes I made were at the guidance of a Google employee and provided screenshots of the chat conversations as support.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I wrote to Equifax requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received an escrow shortage letter and wrote Wells Fargo my mortgage lender about it with a certified letter. They are stating I am short XXXX on my escrow account and I am not. I paid XXXX into my escrow account last year and my new insurance rate dropped to XXXX They are stating if I do not pay them the shortage my payment will go from XXXX per month to XXXX per month. 
This is totally incorrect.

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 2023-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have now spent two weeks trying to set up transfers between Bank of America and XXXX. I am a gold preferred client with BofA and have been their customer for 27 years. The problem ( admitted by one of the Bank of America XXXX ) is/was from BofA 's side. I have tried their website ( many attempts ), emailed, called, and gone to the local branch. At first they blocked my account for a week and a half. While the block has been removed, I still can not set up this transfer. I tried doing it, somewhat successfully, from XXXX 's side ( took a minute ) but this did not seem fully recognized by BofA ( stated it was inactive ). Today BofA 's rep had me delete this from my account, and had me go through exactly the same steps as I had before, with exactly the same results. Except the link I had established is now gone, as well as another half hour of my time ( I estimate time lost to be 5 and 1/2 hours at this point ). BofA continues to try to blame 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 2023-04-21
Company: First Credit Services Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I emailed First Credit Services two separate times requesting a statement of the debt owed and did not receive a reply. I called and requested that I be provided with a link to pay the debt as well as a statement. The person on the phone, who indicated they were a supervisor, continued to insist that i take care of the debt on the phone with him. He refused to take my email address and continued to request why I wouldn't pay the debt with him on the phone. He badgered me about needing to know why I wouldn't handle the debt over the phone with him, not having a statement. When I told him I didn't have to provide any reasons for requesting a solution via email. He was quite aggressive and unwilling to take my email address, insistent that I provide reasoning. 
I am entitled to a statement and to handle the collection of the debt in the manner that I prefer. This particular " supervisor '' was aggressive and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Issue : Mohela is not correctly processing my PSLF application for XXXX XXXXXXXX XXXX XXXX The application was submitted to Mohela on XX/XX/. They mentioned it may take a few months to process, but all other employers were approved besides XXXX XXXXXXXX XXXX XXXX. On XX/XX/ we called Mohela and spoke to a gentleman named XXXX. He mentioned that the application did not have any issues and he was unsure the reason it was denied. I explained how the employer was closed and offered to submit any additional documents needed. After uploading multiple documents including W2s forms, and other proving it was a non for profit there has been no updates. Every time we have called since we are instructed to be patient because a review is underway. My PSLF application is being wrongfully denied and because of this I am unable to receive my forgiveness. I have also been in contact with my local congressman for assistants on how to get this issue resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: IL
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 fair credit reporting act XXXX  account XXXXXXXX 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 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: OH
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 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 2023-04-21
Company: PNC Bank N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX Previously i reported that PNC bank refused to provide me with the information they had on a fraudulent credit card application made in my name with my SSN. I received a phone call from someone named XXXX at XXXX on XX/XX/XXXX informing me that since I hadnt uploaded any documents on your site, they still deny me the information. I did receive information from XXXX bank but since PNC is denying me this information I am now having to pursue this with yet another bank for verification of the information received from XXXX bank. Identity theft is a federal crime. PNC is not cooperating with this federal crime. Please take action. 

I did mail all required documents to PNC, return receipts requested. 
See uploaded documents on this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: SC
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:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-16
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This complaint regards an online savings account I held with Ally Bank. 

In XXXXXXXX XXXX XXXXXXXX, I received notice from Ally Bank that they had decided to close my savings account, without stating a reason for the decision. I do not dispute that they were within their rights to do so. 
On XXXX XXXX XXXX, I received notice from Ally Bank via email that a 1099-INT had been generated for tax year XXXX for interest accrued on my now-closed savings account ( see attached screenshot ). A link was provided in the email to log into my online account to view the 1099 document. 

Upon attempting to log in, I discovered that Ally had blocked access to the online profile for my closed account ( see attached screenshot ), rendering me unable to view my tax document, which will be necessary before I can file my taxes for XXXX. 

On XX/XX/XXXX, I placed a phone call to Ally Bank customer service explaining the situation. I was told that they would not be able to restore access to my online banking so I could review my tax document online. I was ultimately given a case number ( # XXXX ), and told to wait for a call-back from their " back office '' to discuss my case. I also verified my physical address for them during this call, so I do not know why they are unable to simply mail me a physical copy of the 1099. 

9 business days after that interaction with customer service, I have not received any further communication from them, nor do I have the time to wait on hold for another hour to speak with a representative on the phone, just to be given a runaround again. 

As Ally Bank has no listed email for customer service correspondence, nor any way to access live online chat without online banking access, I feel this is my only reasonable avenue for a resolution.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: NJ
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 submitted a letter to the Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 2023-04-21
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company uses threatening, unprofessional, and abusive calling tactics. I've sent them a letter to cease this communication and they continue. I also sent them written notification that the debt is disputed and I have never received validation of the debt from them. They are engaged in illegal activity and should be made to answer for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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:
First, I called the company XXXX XXXX about this inquiry, stayed on the phone for more than an hour and they could not find me in their system. 

Then I also disputed this with Experian but they won't do anything about this. 
I filed a report on CFPB on XX/XX/2023, which included a notice that there were 2 such inquires from the same company Ally Financial with 2 different addresses and BOTH of these were NOT mine as I have never had any relationships or applications with ALLY. 

XX/XX/XXXX -- I was informed and found that only XXXX XXXX  inquiry was removed -- the XXXX address. 

I just called Experian and one of their associates said they won't remove this item because its an Inquiry. This is WRONG. Its not my inquiry and its a violation of the law. 

I need that other XXXX XXXX  with the XXXX MI address removed immediately as well.

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 2023-04-21
Company: Carvana Group, LLC
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Carvana lied about my contract terms, the XXXX registration and problems they didnt report with the car. Also my extended warranty didnt cover any issues the mechanical deem preexisting. I cant get any help wit from them and I cant even get a copy of my contract to have a lawyer go over it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
i was never late on the Paid off Accounts listed above. Please show me documents showing proof of transaction, showing i was ever late to support your inadequate reporting on my account. If you can not supply this please delete these late payments from my credit report. These are invalid late payments. FCRA allows 30 days for this to be rectified.

Company response to consumer: Closed with explanation