BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: WELLS FARGO & COMPANY
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:
To Whom It May Concern : I write to advise you of unfair and/or deceptive trade practices and improper debt collection processes engaged in by Wells Fargo against consumers. In XXXX, my mother took out two loans on behalf of her business, XXXX XXXX XXXX : one with an account number ending in XXXX and one with an account number ending in XXXX. Like many businesses, XXXX XXXX XXXX fell on hard times over the last few years and was unable to make timely payments. 


My mother began receiving notices regarding the debts earlier this year. I was not sent these notices. More importantly, I had no reason to believe that money in my Wells Fargo deposit account might be at risk as, over the years, I continued to put my own, hard-earned moneymoney earned from my own business enterprises ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX and unrelated to XXXX XXXX XXXX  the account. 


Yet, on XXXX XXXX XXXX, Wells Fargo clawed {$57000.00} out of my bank account ( account ending in XXXX ), ostensibly because they had a right of setoff that allowed them to take MY money. But while my mother is a co-signer on the account, she put none of the money on that account. The money in the account was mine and earned solely by me. It was not my mothers, not XXXX XXXX XXXX. Despite this fact, it has apparently been applied to business accounts with which I have no relationship. 


Curiously, despite my mothers repeated requests, Wells Fargo has not been willing to turn over the loan documents that allegedly permit them to steal from MY account. I continue to doubt that they have such a right and certainly dispute that they could do so without noticing me personally. Nothing required me to maintain my personal deposit account at Wells Fargo. In fact, if I had known that there was any chance that Wells Fargo would take money out of my personal account to satisfy the debt of my mothers business, I would have put my money into an account elsewhere. 


Consumers trust banks with their money and reasonably expect transparency, honesty, and fairness. Wells Fargo has failed to meet any of these expectations in my case. I entrusted Wells Fargo with my money, and they stole it. I ask that the Consumer Finance Protection Bureau act swiftly to right this wrong. 


Sincerely, 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 2022-05-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Application XXXX was signed on XX/XX/2022 after meeting mortgage broker XXXX XXXX ( Bank employee ). Fixed Interest rate was promised between 2.75 % to 2.87 %. XXXX XXXX confirmed verbally he had a budget to reduce the interest rate offered on paper which was displayed at 3.25 %. 

We were told the next step would be home valuation and credit check. The check did occur but the valuation didnt despite many follow ups with the Bank XXXX 

After a month, the Bank informed us that a new application had to be done. The application was done, a new credit check was conducted and the home appraisal was made ( paid by me XXXX $ ). The rate on the new application was promised to be the same as mentioned above locked between 2.75 % to 2.87 % however the paperwork showed a different amount. 

After many phone calls, emails and conversations with XXXX XXXX where I requested for the interest rates on the paperwork to match what was promised, the case was moved to different employees finally landing on XXXX XXXX XXXX who confirmed the only interest rate that the Bank could offer was circa 5 % APR which was much higher than the beginning. 

According to the evidence, I believe the Bank is at fault because 1 ) XXXX XXXX offered an interest rate which was not correct 2 ) The Bank employees failed to clearly state the mistake had been made by replying to my emails XXXX ) The Bank asked the costumer to do XXXX applications for unknown reasons 4 ) XXXX credit checks were conducted which impacted my credit score 5 ) Most phone calls and emails to XXXX XXXX remained unanswered 6 ) The time lost in this process made me lose the opportunity to refinance my loan which caused my monthly payments to remain high 7 ) The Valuation was paid by myself for XXXX $ which seem to be lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is specifically against Experian. 
On XXXX of XXXX, my husband and I applied to a home equity loan with XXXX XXXX XXXX and were denied. The reason for the denial was stated as the presence of " a deed in lieu of foreclosure dated XX/XX/XXXX ''. ( Copy of XXXX XXXX  email attached ) We understand that all lenders have a minimum of a 4 year waiting period after this type of event, however, the Deed-in-lieu reported refers to transaction with XXXX XXXX dated XX/XX/XXXX, which is over 4 years ago. 

We disputed this information through Experian on XX/XX/XXXX and we discovered that XXXX has not been reporting any information to the credit agencies, so they stated that the error was on the credit agency 's part. They provided us with an official letter certifying the date of the transaction and reported to the agencies ( including Experian ) that this information should be corrected. ( XXXX Letter attached ). 

As a result of our dispute, Experian updated our credit report by moving the derogatory mark " N ''  from XXXX to XXXX XXXX screenshot attached ). This mark still indicates to lenders that this deed-in-lieu happened in XXXX of XXXX. This is INACCURATE accurate information which will prevent us from acquiring any home loan product for another four years! 

When we tried to resolve this issue with Experan they indicated that they can not erase this mark from our report. We have called several times and asked to speak with someone in the Escalation Department to no avail. Their explanation is that this is an update to our report resulting from our dispute ; the problem is that they are NOT CODING IT CORRECTLY. 

We need Experian to correct this information in both my credit report as well as my husband 's ASAP, so that lenders can see that the deed-in-lieu happened in XXXX of XXXX and we can move forward with our loan application. 

Thanks for your help.

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 2023-01-10
Company: ALLIANT CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, Here is the requested information : I opened a 2.0 % high-yield savings account with Alliant ( XXXX XXXX ) in XX/XX/XXXX. A deposit of {$620.00} was transferred into this account on XXXX XXXX XXXX XXXX XXXX I attempted to establish my online account ; however, the authentication process failed. When I called the Customer Service line ( XXXX ) in late XXXX, I was advised that a supervisor would need to solve my issue. The XXXX XXXX told me someone would call me back once those positions started, around XXXX XXXX XXXX. No one called me back. 

In a 2nd attempt, I called back in early XXXX and was told the same story : the person I was speaking to couldn't help me, but they would have a supervisor call me back. At this point, I still have no access to my savings account and can not confirm that the funds are there. No one called me back. 

Deciding that the customer service was lackluster and the company was no longer trustworthy, nor worth my time, I opted to close my account. After waiting the required 90 days, I called the XXXX line again on XXXX XXXX XXXX XXXX and went through the steps with the XXXX XXXX to close my account. I was advised that I would receive an email from the department that handled account closings, typically within 2 weeks. No email confirming my closed account came to my inbox. I called back on XXXX XXXX XXXX XXXX to confirm that my account was closed and clarify the following steps. I was again advised I'd receive an email and that a check would be sent, as well. No email or check has arrived. 

Then, on XXXX, I received my first statement in the mail from Alliant. It stated that my account was closed on XXXX and that the balance was XXXX. Withdrawals totaling the original amount I deposited were withdrawn on the same day. No interest had accumulated and no check was included with the statement. 

As you can imagine, this is incredibly frustrating. The amount in question is only pennies for a financial institution but is a ticket to more security for me and my family. 

Thank you for taking my complaint and for providing this service. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-28
Company: CL Holdings 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 was a victim of identity thief my information was leaked to the dark. Web I notice accounts I did not recognize I reached out to the creditor and they refused to remove it even after I made them aware it did not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act 16, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the XXXX XXXX XXXX to communicate in writing within 5 business days once instructions are completed. If instructions are not completed, I instructed the XXXX XXXX XXXX to respond in writing within 5 business days giving a reason for non-performance of fiduciary duties. If no communication is made within 5 business days I can assume that instructions have been completed.They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act XXXX ( XXXX XXXX XXXX ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023. ( tracking # XXXX ) Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act 16, 29, and the same instructionals as above. ( Notice of Default ) They received a packet on XX/XX/2023. ( tracking # XXXX ) Still no response and still have not credited 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 2023-01-02
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX I am disputing the- referenced debts below. Please verify this debt as required by Fair Debit Collection Practices Act. 
Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies inform them that this debt is disputed and ask them to delete this from my record report reporting information that you know to be in accurate or failing to report information correctly violates the fair credit, reporting act. 
Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, XXXX5 USC Section 1692C requires that you honor this request. Your cooperation will be appreciated. 

This what i sent to the credit departments of XXXX, Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Dear Sir or Madam : I am writing to dispute fraudulent charges on my account for the account numbers, amounts and dates listed. I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charge and any related finance charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies ( CRCs ) to which you provided it. 

Enclosed is a copy of my FTC Identity Theft Report, credit report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your findings and actions. 
Sincerely, COMPANY ACCOUNT NUMBER AMOUNT DATE XXXX XXXX {$580.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 inquiries on my report that I have disputed prior and these inquiries are with companies that I have no open accounts with. Please DELETE the following inquiries from my consumer file unless you can furnish an original document with my signature showing permissible purpose. XXXX XXXX XXXX XXXX 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 2023-01-02
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I am disputing the- referenced debts below. Please verify this debt as required by Fair Debit Collection Practices Act. 
Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies inform them that this debt is disputed and ask them to delete this from my record report reporting information that you know to be in accurate or failing to report information correctly violates the fair credit, reporting act. 
Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692C requires that you honor this request. Your cooperation will be appreciated. 

This what i sent to the credit departments of XXXX, XXXX and Experian

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 2022-05-25
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I applied for XXXX  through an office in XXXX New York. That office called XXXX XXXX. I told that office that I need to switch the service provider for my house from XXXX XXXX XXXX XXXXXXXX XXXX. XXXX agency gave me their email address which is : XXXX. Correspondence attached. I also sent XXXX a fax that National grid was able to take over the service. XXXX sent social services XXXX the application and XXXX granted me an amount of {$720.00}. XXXX sent the grant to XXXX XXXX instead of XXXX XXXX. I also called XXXX that advised to call XXXX XXXX to send the check back to XXXX. Please see my email attached of my correspondence with long energy. I also spoke with XXXX XXXX to advise regarding the situation. Yet, XXXX XXXX kept sending the debt to different collection agencies. I contacted XXXX, one of the debt collection agencies XXXX XXXX sent the debt to, by phone and by email as attached that promised to remove the debt. I only knew that the debt is still on through Transworld Systems debt collection agency when I found it on XXXX XXXX. I did not receive a copy for the debt from that collection agency. I did not even know the account number as I tried to ask Transworld Systems for the account number but I was not given that. I sent a fax with the attached records to Transworld Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: EQUIFAX, INC.
State: TX
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

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 2023-09-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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 AM A VICITM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I HAVE TRIED TO FIX THIS ISSUE WITH THE BUREAUS, WITH THE CREDITOR, I HAVE GONE TO THE POLICE DEPARTMENT, I HAVE CONTACTED FTC AND THE ACCOUNT IS STILL ON MY CREDIT RPEORT. THIS IS NOT MY ACCOUNT. I DONT KNOW THE PERSON THAT COULD HAVE DONE THIS, BUT EVERYDAY WE HEAR THAT MILLIONS OF PEOPLE ARE A VICTIM TO DIFFERENT TYPES OF FRAUD. AND SCHAMS. AT THIS POINT I STRONGLY BELIEVE THAT THE BUREAUS PROBABLY SOLD MY INFORMATION ON THE BLACK MARKET AND THE CREDITOR BOUGHT IT. AND NOW THEY ARE PENALIZING ME WITH A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. I DONT KNOW WHO ELSE TO CONTACT TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT FROM MY ENTIRE PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Delta Management Associates, Inc.
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:
Delta Management Associates is out of compliance with the CARES Act. 

In reference to XXXX, Delta Management Associates states, " Delta Managements Associates , Inc. ( Delta ) is in compliance with this Act as the garnishment payment in question had already been processed prior to this being put in place. This went into effect on XX/XX/2020 and the pay period for this check ends on XX/XX/2020. '' The CARES Act is clear about garnishment date. The pay period does not matter because garnishment did not occur on XX/XX/XXXX it occurred on XX/XX/XXXX, which is the effective date of the CARES Act. 

Furthermore, this answer from Delta Management Associate is different than their previous response. They are now changing their argument as they concede that XX/XX/XXXX is included in the CARES Act.

Now Delta Management Associates attempts to argue the pay period date, which is not included in the CARES Act. 

This is yet another attempt by a predatory company breaking the law.

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