BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-26
Company: 2288984 Ontario Inc.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I am requesting your help in this matter, due to COVID and losing hours and no stimulus and not qualifying for unemployment we were desperate and sought financial line of credit through money key however we now have realized there is no way we can afford to continue this payment at {$180.00} dollars every two weeks and this not getting paid off for years and the loan bal starting at XXXX and will end up paying three times that, in recent news we have become aware of President XXXX overturning the rent a bank true lender rule and the bank connected with this company was also mentioned in the Congress letter as one of the rent a banks that has went around states laws and using outrageous fee and taking advantage of people during this financial and health crisis, we live in the state of Arkansas which is cap at 17 percent, I am asking for your help in this matter and to have resolutions of voiding their contract and Harassing phone calls due to signed law by XXXX to protect Americans from such illegal money scams

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time framespecified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXXXXXX 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 2023-04-05
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I authorized my wife to pay her XXXX credit card bill using my Marcus savings account on XXXX and provided her with my routing and account numbers. On XXXX the transaction showed in my Marcus account, but when I checked on XXXX, the {$10000.00} transaction showed as reversed. Now other transactions are being reversed as well. 

When I called Marcus for an explanation, they put me on hold repeatedly. Customer support told me they were transferring me to the fraud department. 40 minutes later, nobody has picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX for all poor Americans. XX/XX/21 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Every single businesses and employment facilities as well as consumer agencies when providing employment references and credit line to us Americans. As they happen to judgment of our credit score and our credibility putting all American at great risk. We loose employment opportunities as we also get the turn down of credit line. This longterm unemployment and loss of credibilities of poor people have put us at the very low bottom of society. All business and consumers need to notified by your agency- not to destroy down slowly yet financially circumstance of all Americans as majority of poor public. This is concerning when they docket us down on our credit score and lead us out of the doorway. As for instance my credit score is XXXX, yet at the scale and realm of every other consumer my credit is at XXXX score average. I have send a complaint before, but I didn't receive any responses as what had done about the problem. Contact me either with the mail, or, an email should be sufficient to follow-up about all the matters related. 

We as poor public who happen to pay higher at the end of all transactions. Perhaps if I could have your attention in notifying of all businesses and banks retrieving credit files of potential customers to them- tell of them not to judge of our credibility & trust as one people in that manner they have been doing so far along 28 years. 


Respectfully, XXXX XXXX '' A women lady 's baby women ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Attached in this complaint should be an FTC report filed on the FTC website and a notarized FTC affidavit by law you are required to block the fraudulent account within 5 days while you investigate. I have been trying to get this issued resolved for a while now it has been very frustrating, I have been studying consumer laws I have also hired an FCRA attorney he advised me to sue but I want to make this last attempt to get this issue resolved outside of court. If this issue is not resolved in a timely manner and my dispute is ignored or the account is not properly validated, I will be forced to file a lawsuit against you and the creditor that extended the fraudulent account in my name. 
If you do investigate and claim this account is accurate or is mine, I need a written sworn statement from a senior officer under the penalty of perjury that this account does in fact belong to me and also the method of verification they used to validate the fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: MD
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:
Ive filed a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Tuesday XX/XX/21 at XXXX XXXX  I received a balance alert for my Wells Fargo checking account. I looked at my account and saw that my debit card had a fraudulent charge of {$100.00} paid to XXXX XXXX. I immediately reported the fraudulent charge and cancelled my debit card. While waiting for my claim to be investigated I chose to move my money into my personal savings account for security. 
On XX/XX/21 I went to the drive through at the Wells Fargo in XXXX WA, XXXX to withdraw cash from my savings account using my state issued Driver License. After waiting several minutes the teller informed me that she had given my ID to someone in another vehicle by mistake. I immediately went into the lobby to speak to the branch Manager. The Manager, XXXX, did not seem too concerned that her employee had given my personal identification to an unidentified person. 
I find this to be a gross breach of security at an institution that is supposed to protect finances and identity. 
I am currently still waiting for my fraudulent debit charge to be refunded and then will completely close my accounts with Wells Fargo.

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 2023-11-17
Company: Maximus Education, LLC dba Aidvantage
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Forged, deceptive invalid loan application and agreement not my signature, is my SSN, name, employer but not my address I never lived in CA, unknown references very forged signature, date of loan coincided with divorce and other trickery found fraud and other deception, other forgery, loan invalid void, paid through trust, servicer is ignoring fraud and consumer complaint against loan practices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Amex does not list APRs in the app. You have to logon to a browser to see the APR. with most people managing accounts with their mobile devices, it seems a weird thing to hide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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 appreciate your assistance in removing some of the fraudulently obtained information from my credit report, however there is still information that has been forwarded to me that has to be deleted or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My lawyer is eager to hold you accountable for your tenacious rebelliousness after I informed them of my intentions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
hi this is my situation on XX/XX/2021 I got a rental car from XXXX XXXX and use my secured credit card from wells fargo to pay for the secured deposit my credit card its secured with a {$300.00} dollar deposit I made when I apply for the credit card on XX/XX/2021 I got XXXX  for unpaid tiket and the car was pick up from the police in pound lot when I got out on XX/XX/2021 a transaction of XXXX from XXXX XXXX was paid from my credit card I didn't authorize the transaction becuse I was XXXX, the amount its way over the limit of the card and when I call to dispute the transaction Mr XXXX XXXX XXXX start questioning me if I did rent the car? if the amount was incorrect? how much I think was the correct amount etc I manage to fill the dispute and the bank only reembrush XXXX on XX/XX/2021 another charge of XXXX was paid to XXXX XXXX and one more on XX/XX/2021 for XXXX putting my card over the limit for XXXX I dont use the card anymore Im afraid of more charges coming up now I been charged interest on purchases getting a message { over the limit amount its due inmediatly } have not recibe a resolucion only e-mails saying ( we're making a progress on my dispute ) time goes by and my credit my has been hurt my XXXX  is killing me Im XXXX  all day every day thanks for the help 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 non-monetary relief
Consumer complaint received 2023-08-11
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I claimed bankruptcy ( XXXX XXXX ) and included my student loans in the Bankruptcy, however, the student loans could not be included in the Bankruptcy at that time. Now, I'm hearing they could have been included. What can I do? I included them in my Bankruptcy that was XXXX in XXXX The amount at that time was XXXX and the lender listed was Sallie Mae. 
I will forward the Bankruptcy paperwork upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday, XX/XX/2021 between XXXX and XXXX I made a cash deposit of XXXX at the PNC ATM at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX ( XXXX XXXX ). The machine counted the bills and advised that the amount deposited was XXXX instead of the XXXX and I was given the option to go ahead with the deposit or take my bills back. I opted to take the bills back as this deposit amount was incorrect. The machine gave me back XXXX instead of the XXXX that I deposited. The number on the side of the ATM was the PNC bank XXXX number which is closed after hours. I've called PNC bank several times and was advised to open a case AND talk to the branch. I opened the case as advised. I also advised the XXXX number rep that the deposit was being made to cover a withdrawal for a credit card payment that was coming out and that I need my account credited immediately. The rep called another department and told me that since I already have money in my account i should be able to wait the 10 days it would take to service the broken ATM. I also called the branch on Monday and was told that since I had opened the case over the phone there was nothing that they could do. This issue is causing and has caused tremendous financial hardship for my family and I. I need my funds credited soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TMX Finance LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/XXXX I applied online for a title loan with this company I was awarded a total amount of XXXX but only opted for XXXX funds were then deposited that following Monday XX/XX/XXXX. On XX/XX/XXXX I then wanted to see if I could qualify for more and when I logged in the website advised me that I could get XXXX more in cash and click to apply. Once I clicked applied I was advised to pay XXXX and some change to refinance my Loan for the new amount. I paid the money and the system refinanced my entire loan for XXXX. I never signed any documents I never agreed to the full amount and no funds were ever deposited into my account. I then called and spoke to XXXX who advised me I refinanced with no funds and that she would refund me the XXXX and then send it to her supervisor and would call me back. ( I never got a call or a refund ) I then called again on XX/XX/XXXX and spoke with XXXX who said that she didnt see me ever getting a XXXX dollar loan she saw me getting a XXXX loan and when I attempted to explain to her I had a different loan number she said she would have to send it to corporate. I called today on XX/XX/XXXX and spoke to XXXX again and asked to immediately speak to a supervisor. XXXX said she would transfer me to XXXX and put me on hold for several moments. When she returned she said she was transferring me and disconnected the call. I know it was on her end because I was on my XXXX and had no contact with my phone. 

I feel This is clear predatory lending and did not agree to any of the terms to be charged the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: VA
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Disputes were submitted to XXXX  on XX/XX/21 and also on XX/XX/21 to dispute the Accuracy of the information on my Credit Report regarding a debt collection company named LVNV FUNDING. The Dispute Reasons were ( 1 ) The balance and/or past due amount are/is incorrect, ( 2 ) The account is settled for {$480.00}. The results from XXXX  for the two separate Disputes were dated XX/XX/21 and XX/XX/21. Both Investigation Results continued to report INCORRECT INFORMATION for the Balance Owed. Most Importantly XXXX  did not even make any mention of the Dispute Item regarding the fact that the account with LVNV was Settled for {$480.00}. It appears that LVNV and XXXX  completely ignored my Dispute about the account being settled. Monthly payments are currently being handled by XXXX XXXX XXXX. It is my wish that XXXX  will remove LVNV COLLECTIONS item from my credit report. XXXX  and XXXX  removed LVNV collections from those credit reports several months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Credit Karma, LLC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I recently contacted Credit Karma regarding unauthorized withdrawals made on my account. There were a few unauthorized transactions totaling XXXX. I did not authorize these transactions and fully explained that these charges are affecting my ability to pay necessary bills due. I also currently have my credit reports frozen due to recent unauthorized transactions and posted inquiries on my credit reports. The card i requested to be closed and my money refunded due to these circumstances. So far i received one response and my dispute for one of the amounts was not approved. I did not authorize these charges as stated in their letter and I should not be liable for someone taking advantage of my checking acct. Credit Karma needs to be more vested in their customers concerns.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/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 2023-08-17
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an email on XXXX stating my mortgage payment was due. I never received a bill as I have for many years now. I called and it turns out when they asked me to go paperless LIKE ALL MY UTILITIES, PHONE, CREDIT CARDS, ETC. I thought I would receive any email with the bill. Wells Fargo said that it was my job to go online to their website and see my bill. This was not my understanding when I signed up per their request. I thought they would do what all other companies do. They told me I owe late charges. I spoke to four individuals supposedly going up the chain and all of them told me they would not waive the fee because they waved one ( IN ALL THE YEARS I HAVE BEEN WITH THEM AROUND 15 YEARS ) in XXXX. They waived it because the payment I sent in was a day late. I MAILED IT A WEEK EARLY AS I DO WITH ALL MY BILLS INCLUDING ALL THE ONES, I SEND WELLS FARGO. When I called them to ask for proof of the late payment as NO OTHER PAYMENT, I MAILED WAS LATE THEY TOLD ME THEY COULD NOT SUPPLY PROOF-I HAD TO TAKE THIER WORD FOR IT. 

This time since I DID NOT RECIEVE A BILL AND CAN'T RECALL THE NEED TO GO ONLINE THOUGH I WAS NOT AWARE I NEEDED TOO IT WAS CLEARLY ALSO THIER FAULT. I have gone back to paper affective immediately, but this really bothers me. They are trying to collect more money most likely due to my low loan rate and great payment history. 

By the way I immediately went into my checking account and paid it will on the line with the last supervisor. I gave her ( XXXX is her name ) the reference number as well. 

Please help me get this fee waived as one would expect to receive a bill like all others service companies provide. Thank you, 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