BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to deposit a tax refund check from the internal revenue service on XX/XX/XXXX at the ATM at my local Wells Fargo branch in XXXX XXXX, VA. The refund was long overdue and was in the name of the trust established by my now deceased mother and father, the XXXX Trust. The Trust had an account established at that Wells Fargo for more than a year. The deposit was in the amount of {$22000.00} so it was already difficult that it had taken the IRS years to process and provide the refund check ( long enough that my mother passed away in the interim ). 

When I deposited the check, I was presented with a message telling me that Wells Fargo would not deposit the check and would not return the check to me. They may as well have taken it from my hands and run away. After calling their customer service number and waiting on hold ( and being late for work ), they told me that all I could do was file a complaint and wait 10 days. 

Apparently, I need to wait that long to find out whether the bank will steal my deceased mother 's money or not. I can't believe this is allowed to happen. The check was from the U.S. Internal Revenue Service- not a shady, offshore organization. I don't understand how they can keep that large sum of money with no justification or explanation. It is a lot of money to need to worry may not be returned. If an individual did this, the authorities would take them into custody.

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 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 wrote to the credit bureaus requesting an investigation into items that I believed were inaccurate. 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.

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 2023-08-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: ENOVA INTERNATIONAL, INC.
State: LA
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:
At the beginning of XX/XX/2022 an account with Net Credit was reported to the credit bureaus, this account was established in XXXX of 2022. I have knowledge of this account. I contacted Net Credit Customer Support at ( XXXX ) XXXX XX/XX/2022, I started calling to get information on this fraudulent account. I have been calling for almost a month and can't get anyone on the line. After the initial introduction on the automated call there is nothing but silence on the line, I than sat on hold for over 30 minutes multiple times over the course of a week and a half with never being to speak to someone. I found a contact email XXXX on Net Credit website www.netcredit.com but was told they couldn't give me any information because the email I was communicating from was on the account. I replied stating I have no Idea what email or phone number is on the account because I didn't start the account. I sent an email asking for validation of the debt to be sent to my home address but have yet to receive it. Calling into Net Credit isn't getting me anywhere either which makes me feel like the company is a scam and does things like this all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Experian Information Solutions Inc.
State: HI
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 couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. 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 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In XX/XX/2020 an agreement was made with XXXX XXXX to catch my account up. The agreement was that I would no longer he XXXX a delinquent status if I agreed to lay XXXX by the end of each month on XX/XX/XXXX of 2020 XXXX was paid. The delinquencies on this account should have been removed before XX/XX/2020 dating back to when the delinquency began. Request that the new agreement allowing XXXX payments be provided. My payments starting in XXXX and continuing up to this day need to be honored. I have disputed this Numerous times with no success

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 2023-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting 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:
On XX/XX/2023 Capital One submitted a hard inquiry on my credit without my authorization. This has damaged both my XXXX and XXXX credit report. This an instance of fraud and all Capital One would do is tell me that there isnt a Capital One credit account associated with my social security number and to physically mail a copy of my credit report with a description of the situation to a XXXX XXXX XXXX 

They informed me this process can take up to a month, which is concerning because they didnt share whether the fraudulent credit application was approved or not, and this solution needs to be resolved in a faster time frame. I do not have any accounts with capital one and have never submitted a credit application to this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: Remex, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to file a complaint against XXXX XXXX XXXX XXXX and Remex , Inc.. I rented a furnished vacation rental from XX/XX/XXXX XX/XX/XXXX from XXXX XXXX XXXX. We paid in full for the two months stay and also paid {$200.00} for move-out cleaning. During our stay, we had 2 mid-stay cleaning services and paid {$150.00} for mid-stay cleaning. After we moved out on XX/XX/XXXX, XXXX XXXX XXXX from XXXX XXXX XXXX alleged that we damaged the house and claimed an additional {$930.00}. The claims were unreasonable and false as normal wear and tear occurred during the 2-month short term stay. We offered to pay {$200.00} to settle the matter on top of already paid cleaning fees. I filed a complaint with Arizona State Attorney Generals office ; however, we could not settle the matter. That complaint was closed in XX/XX/XXXX. 
Thereafter, in XX/XX/XXXX, XXXX XXXX XXXX hired Remex , Inc., a debt collector agency to collect the outstanding amount. I asked Remex, Inc. to send me the documentation in support of the debt claim, however, no documentation was received from their office. I followed up with Remex on XX/XX/XXXX and was informed that XXXX XXXX XXXX has withdrawn the debt claim, and my account ( Account No. XXXX ) has been cancelled and no payment is due. It was confirmed by Remex that my account was closed and no action was required on my end. 
However, in XXXX XXXX, Remex negatively reported to the credit bureau and my credit score decreased by 131 points. I called Remex as to why that action was taken after being told that my account was closed. Remex changed their statement and claimed that they never advised me of account closure on XX/XX/XXXX. I requested them to check their call recordings of XX/XX/XXXX but they did not co-operate and hung up without providing an explanation. Remex, Inc. used false tactics and misinformed me about cancellation of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XXXX bought my daughter 's student loan from XXXX XXXX, quadrupling her payments, now {$830.00} a month for what started as a {$49000.00} loan. She was able to make her payments on her own before the change. XXXX and a vast rip-off!!! I am in the process of trying to refinance the loan, for which I am the Co-signer. If zero stars were an option!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
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:
I have submitted Police Report proving I am a victim of Identity Theft. The police report indicates that XXXX ( XXXX ) is a fraudulent account. This account was removed from my Equifax consumer report in XX/XX/2020 and was re-inserted in XX/XX/2020. Equifax has also sent a letter stating that they will not block the account which is a direct violation of my rights under the Fairs Credit Act. I have submitted a Police Report and Identity Theft Report to Equifax several times requesting to block this account Under section 605B of the Fair Credit Reporting Act. The fraudulent accounts are ; XXXX-XXXX XXXX| Account # XXXX Open Date XX/XX/XXXX, XXXX| Amount : {$5000.00} XXXX-XXXX  XXXX| Account # XXXX Open Date XX/XX/XXXX, XXXX Amount : {$18000.00} XXXX XXXX XXXX Account # XXXX| XXXX XXXX XX/XX/XXXX, XXXX Amount : {$3300.00} Equifax is in continued violation of my rights under the Fairs Credit Act. I have attached a letter from Equifax refusing to block the accounts under section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have a Public Record on my credit report for a bankruptcy that does not belong to me. US BKPT CT TX XXXX XXXX. I contacted the court about this public record and they told me that they do not have any record under my name and they also informed me it is the policy of all bankruptcy courts to not report any information to the credit bureaus. They also mailed me a letter explaining no record and the court policy on reporting to bureaus. I then contacted XXXX XXXX and they sent me a letter that I have attached that they can not find a record as well. I demand that you remove the bankruptcy since you are willfully and knowingly providing false information and therefore are in violation of the Fair Credit Reporting Act. You have 30 days to remove the bankruptcy from my credit report or I will file a lawsuit with the federal district court in my area.

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 2023-01-23
Company: EQUIFAX, INC.
State: AR
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 XXXX XXXX and I am submitting this XXXX Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: BBVA FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 I submitted an international wire in the amount of {$5000.00} from my personal checking account at BBVA USA. All security information was previously verified by their Wire Department ; however, to this date funds have not been received by the recipient account nor returned to the checking account despite multiple pleas via phone calls. This bank operates like an outlaw organization in total disregard of customer relations. Whenever I attempted to find out about the wire using my calmer demeanor, they either put me on hold or simply hung up the phone in what appears to be an inconsequential behavior for those staff members involved. 

I have been transferred multiple times to different alleged supervision levels but none are even willing to file a dispute report, which filing is also restricted online. 
BBVA have been illegally holding funds meant for a time sensitive business transaction which I already missed, but I just need my monies back as soon as possible. 
Amount of wire : {$5000.00} Date sent : XX/XX/2021 Destination : XXXX XXXX BBVA confirmation code : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am a cosigner of a loan. I began making payments several years ago when the student was no longer able to make the payments. I spoke with a Navient representative and told her that I could make the payments by the XXXX day of each month. The representative agreed that the payments could be made by the XXXX day of the month and told me that the amount due monthly is {$280.00}. I have been making payments monthly without any further contact from Navient. It was about 6 months ago I began receiving calls from Navient asking for money. I was confused why I was receiving a phone call from Navient asking for money. I was told that my payments are due on the XXXX  day of the month. I NEVER RECEIVED NOTIFICATION FROM NAVIENT ABOUT THE DUE DATE CHANGE. Navient has been calling my phone two and three time a day harassing me about this student loan. According to my records I am not behind in making a payment. They sent me a email and I responded to them to STOP HARASSING ME!!! Now they are saying that I am late with my account. Something needs to be done about this out of control company!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: OneMain Finance Corporation
State: WI
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 the fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy. 15u.s.c 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my instructions on the 15uscs 1666b a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
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 the fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy. 15u.s.c 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my instructions on the 15uscs 1666b a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2021-01-20
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ERC is claiming I have debt with XXXX. I haven't had XXXX in years and it was never on my credit report before. I have never received a XXXX bill at this current address either. 
The letter is dated XX/XX/2021 in the amount of {$220.00}. They say they will settle the debt for {$110.00}. 
Website XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, Florida. 
Pay with cash at XXXX or XXXX XXXX. 

I had also put a freeze on my accounts because I have had an issue with someone opening accounts in my name. This account should never have even been opened if this was an actual account. I should have been notified immediately someone attempted to open up an account in my name but I never received an alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Fairway Independent Mortgage Corporation
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX and XXXX XXXX from fairway mortgage Im XXXX, XXXX  are two of the most inexperienced loan consultant and loan assistant I have ever encountered. I lost out on XXXX do to an inspection and appraisal on a home they could not get me financed for all because they never bothered to look at my documents that they have had since XX/XX/2023 before sending me to underwriting and putting me under contract on this house that is {$310000.00}. Once the underwriter received the file they called and told me it was an issue with my taxes and I needed a co buyer then a week later it was my DTI was too high I still needed a co buyer. I applied for this loan on my own so if I could not be financed I dont have a loan they then did not want to provide proof that my loan was not approved or denied but that I withdrew my loan. Which now has turned into an issue with me getting my {$3000.00} earnest money back from the seller because they could not finance me. They are in experienced and unprofessional and I will exercising my rights due to them not doing their due diligence from the very beginning and pre approving me correctly and reviewing me documents to ensure I could afford such house before a contract was signed. I lost out on money, time away from work and that are trying to force me from getting my 3,000 back. I finally received my pre approval letter after I was already under contract and underwriting denied the loan still due to my DTI because the loan officer did not do his job.

Company response to consumer: Closed with explanation