BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: MO
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:
Equifax, XXXX, and XXXX  is deliberately circumventing sending me proof of accuracy that I keep reporting incorrect on my credit report. This incorrect information is ruining my creditability. After sending certified mail to each of these credit bureaus addressing my complaint and asking for disclosure documents of each said debt and whom each bureau contacted for this information being reported as correct. In reply, XXXX  and Equifax mailed me a letter stating that they can't find a credit profile on my name and to send more verification to better assist me. I sent all the proper information and identification with my certified letter so I don't understand why they can't find a file on my name, especially when someone is reporting to my credit every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
*** This is NOT a duplicate complaint*** I was told by CFPB representative to make sure that I put that sentence in the top headline. I have made over 10 phone calls to the CFPB and months of phones to Wells Fargo Bank. 

I note CFPB Complaints : XXXX XX/XX/2020 XXXX XX/XX/2020 Wells Fargo has refused to give me records of all my accounts opened and closed with their bank since inception. Wells Fargo has lied to me and to the CFPB on numerous occasions. In the last answer to my complaint, Wells Fargo ( WF ) promised to reach out to the CFPB and to me which they never did. WF in their answer submitted a false link file in which it was unopenable by myself and unopenable by the CFPB. I have made numerous phone calls identifying this direct refusal and misdirection of resolve. WF closed my accounts which had several fraudulent transactions on them, these included fake sham accounts that their bankers had opened and closed, when I recognized these large charges in the thousands of dollars and complained ( See XXXX Charge : XXXX XXXX ), WF closed these accounts and offered me no remedy in repayment. They have caused irreparable financial harm to me. In my last complaint where I asked WF to remedy their harmful actions and sent me ALL my account information and statements Wells Fargo provided a false link which was unopenable and for me and the CFPB. WF has gone out of their way to cover up their frauds, they have caused me tens of thousands in dollars due to their frauds, refused to provide me with accounts as the are legally required to do, and lied to the regulators which a criminal act. 

I have been dealing with these issues for years now and this has cost me money and hundred of hours of my time. Their actions are deplorable and they certainly are not living up to their promises by their past 2 CEOs and lied to several government committees including the Senate Committee on Banking, Housing, and Urban Affairs. They have not honored their agreements to penalties by the CFPB and to their own promises to remediation. 

I look forward to the positive changes that your regulating body, the CFPB, will enact based upon these continued frauds that have been exposed dating back a decade now. Please also consider the several class-action lawsuits that have been recently filed over a series of issues. I have been seeking remedy for these frauds for over 6 years now with NO proper resolve. 

Thank you, 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 2022-10-09
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the iteams as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: UNITED CREDIT CORP. OF SOUTHAVEN
State: MS
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 abtain a loan from this company United Credit back in XX/XX/XXXX My home burned down and I lost my job in XX/XX/XXXX so I wasn't able to pay back the loan so they charged it off as bad debt so fast foward to XXXX XXXX I received my anually credit report and noticed United Credit has been pulling a hard inquire of my credit for the past year and something every two month they have pulled it starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX they are trying to ruin my credit I did not arthorize them to pull my credit this is illegal!! I have not heard or spoken to United Credit since XX/XX/XXXX this is not right and is against the law!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive been monitoring my credit report for some time through MyFICO. I pay almost {$40.00} a month. Multiple times my score has went down due to the credit card company charging interests but failed every time to update when my balance went down. Therefore Ive come to the conclusion that these companies are doing this purposely. Im reporting them all for improper reporting. Ive never witnessed them report my payments correctly and I can literally see $ XXXX $ XXXX {$3000.00} huge payments reported as {$100.00} or {$200.00}. How is this legal at all. Ruining peoples credit purposely.

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 2021-07-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax refuses to remove fraudulent inquiries after several request for immediate and permanent removal from my credit report. These inquiries are from the same company XXXX on the dates of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I received a letter from Equifax stating that removal of the the inquiries dated XX/XX/XXXX with the confirmation # XXXX, but as I pull a recent report today the inquiries are still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Citibank, 2018. I had major identity theft occur and the thief/thieves charged over {$7000.00} in charges on an Att Universal credit card. I continued to make payments on the card and also filed a police report. {$3900.00} was still owed on the charge card when I stopped paying on it. Citibank did not recognize the theft and has ruined my outstanding credit. My credit score was in the high 700 's and now is only in the low 600 's. I would like my credit restored because the woman from Citibank just got tired of investigating the hundreds of charges that were made. If she would have just taken a look at my spending history she would have been able to see the fraudulent charges were not made by me. I didn't notice the card was gone for a couple of months because I had been hospitalized for a XXXX XXXX  and didn't need my card for a few months because I was recovering. Please look at my credit history and see that I am and have been a responsible customer. They never even refunded me for the thousands of fraudulent charges that I paid for on that card. SINCERELY, XXXX XXXX alias 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 2023-01-10
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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. XXXX XXXX Date Opened : XX/XX/2020 Balance : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: CBC Companies, 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:
To whom this may concern i am writing you due my recent credit pull on my credit report. I have reviewed my report and there are several items on my report that are unknown to me. My current address and number is : XXXX XXXX XXXX XXXX, SC XXXX, and my current number is XXXXI did not authorize any of the addresses and phone numbers to be listed on my report i am request immediate removal of the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX CT XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX Please also remove all unwanted number from my credit report : ( 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 explanation
Consumer complaint received 2020-08-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, I was pre-approved By Wells Fargo for a mortgage of {$300000.00}. 
On XX/XX/XXXX, I received " Upfront Fee Payment Confirmation '' from WF for the {$400.00} fee I had paid to open an escrow for the purchase of a house. 
Between XX/XX/XXXX and XX/XX/XXXX, I have uploaded over 45 documents ( over 150 pages ) to my " Loan Tracker '' account with WF. 

I have also communicated via email and telephone conversations. Meanwhile, the escrow has already been extended twice, and I have stressed many times with my WF loan counselor that the sellers are anxious, issued a " Two-Day Notice to Perform '' 3 days ago, and that we are going to lose the house if I can't at least tell them that WF will fund my loan, and give them an approximate closing date. They will cancel the contract now, because WF will not respond one way or the other on the funding. 

I have given WF every document they requested, except ONE, which was one of 3 new documents requested only 2 days ago. My checking account is with XXXX, and it is titled XXXX XXXX XXXX, Trustee for XXXX XXXX. She is one of my daughters. WF wants a " Trustee Statement '' from XXXX. " The statement must confirm that you are the primary beneficiary with unrestricted access to all, or a specific amount of the funds needed to close the transaction, including any required cash reserves. Statement must indicate if funds will or will not be a loan. If funds will be a loan, provide repayment terms. '' I have explained to WF that I called the USBank XXXX number, and was told that only the Branch Office could provide the Statement. That person gave me the Branch phone number, and was surprised to see that they are open ( presumably because of Covid-19 shutdowns ). I called my branch and they are not answering the phone ; I left a voicemail message to ask for assistance with a " Trustee Statement '' for an escrow. They have not called me back. The bank 's hours are limited : " LOBBY XXXX to XXXX. '' I presume that means walk-ins, banking transactions only. And the branch is an hour-and-a-half away from where I live and work. I have told WF that it is IMPOSSIBLE to obtain the Trustee Statement at this time. 

Furthermore, I have stated in writing to WF that I have NO INTENTION of using funds from that XXXX checking account for escrow. I have told them that my intention is to pay for the down payment and all escrow fees from my XXXX XXXX   XXXX account. But, my counselor won't even try to communicate with the underwriters with this information. All I get from her is " all document requests must be filled. '' And as a result, I am losing the house. The sellers are done.

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 2023-02-01
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX : 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 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the Fair Credit Reporting Act convergent company : ally financial has violated my rights 15 U.S.C 1681 Section 602. 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. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-09-30
Company: WELLS FARGO & COMPANY
State: ID
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I hope this message finds you well. I am writing to express my concern and seek immediate resolution regarding an unauthorized charge and the subsequent overdraft fee incurred on my account. 

On XX/XX/2023, I made a payment of {$140.00} to my account with XXXX XXXX XXXX. I promptly realized a mistake had been made and immediately contacted card services via the XXXX support line to request a cancellation of this charge. I was assured that the charge would be reversed. Consequently, I resubmitted the payment on the same day to my correct account at XXXX XXXX XXXX, which was successfully posted on XX/XX/2023. 

However, I was dismayed to discover that on XX/XX/2023, XXXX 's card services attempted to withdraw another {$140.00} from my now inactive account at XXXX XXXX XXXX. This attempt not only was unauthorized but also resulted in an overdraft fee of {$30.00} being debited from my account. 

Upon contacting XXXX 's card services, even after verifying the accuracy of the aforementioned transactions, I was informed that the charge on XX/XX/2023 ( which is not reflected on my account ) was authorized. I want to categorically state that this charge was not authorized by me and has resulted in financial damages amounting to {$30.00} at the time of lodging this complaint. 

Moreover, I am deeply concerned by the comments made by XXXX 's XXXX Services, indicating potential unauthorized attempts in the future. This raises significant security concerns and demands immediate attention. 

I kindly request the following actions to be taken : A thorough investigation into the unauthorized charge dated XX/XX/2023. 
Reversal of the {$30.00} overdraft fee incurred due to the unauthorized charge. 
XXXX that no future unauthorized attempts will be made on my account. 
A written confirmation detailing the resolution of these matters. 

Your immediate attention and swift resolution of this matter are crucial to maintaining the trust and confidence I have in your institution. I appreciate your understanding and cooperation in advance. 

Thank you for taking the time to address my concerns. I look forward to your prompt response and resolution of this matter. 

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 monetary relief
Consumer complaint received 2023-10-22
Company: Maximus Education, LLC dba Aidvantage
State: MA
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:
I received a bill from aidvantage during the first week of XX/XX/XXXX with a statement dated XX/XX/XXXX. The bill had no phone contact information so on XX/XX/XXXX I phoned the U.S Department of Education and obtained the phone number to XXXX which is XXXX. After numerous attempts calling this number and waiting approximately XXXX minutes, I finally reached a representative on XX/XX/XXXX. 

As co-signer for my son 's college education, I explained that I had no previous record of this loan and would like to obtain documentation of where this originated. The agent responded that they could only provide me with payment history and confirm email correspondence sent to me. I then asked why the interest rate was so high at 8.5 % and the agent responded that aidvangtage had sent me correspondence via email which I have no record of receiving and that by sending this email correspondence to me I had accepted the terms of the loan which is currently 8.5 %. I then asked why they had not contacted me by phone. The agent responded that according to their records the number on file was XXXX. I responded that this landline number was not accurate and and should be XXXX. 

To better understand payment history I asked what account they had received payments and the agent was unable to confirm what account they had received the payment from and could only confirm that the last payment in the amount of {$95.00} was received on XX/XX/XXXX before being placed in a hold status because of COVID. The agent then explained that the loan was now active and I needed to make payments. 

Not only is the service poor but I don't know where to get help confirming the accuracy and legitimacy of this loan. Other concerns include : inaccurate customer contact information, inability to provide requested loan information, increasing loan interest rates by stating that an email was sent notifying the customer of this new rate, difficulty reaching an agent to name a few. 

Can you please help me determine the legitimacy of this loan?

Company response to consumer: Closed with explanation