BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: Maximus Education, LLC dba Aidvantage
State: SC
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:
The loans were paid in full and removed due to them being my daughter 's student loans and they appeared on my credit that has now cause me a hardship in being able to get a home for my family due to my debt to income ratio. They have been contacted and i continue to get the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
3x I am complaining since nothing has been done by WELL FARGO. On XX/XX/XXXX I deposited TWO XXXX money orders at a WF ATM in XXXX XXXX. I bought these with my debit cards next door at a post office and paid {$2.00} each. I was going to deposit cash at the branch but had to go to work and the ONE teller had 5 people on line. I put the cash in my car and used my debit cards from XXXX and XXXX to buy these 2 money orders. Somehow the next day I get a call from WF ( XXXX hours after the deposit ) that the MO are fraudulent. I said that's impossible. he said with his thick and hard-to-understand accent that I am basically a crook. My acct online said the checks are being held for 10 days to clear. Then I get a notice that my acct is being closed for fraud!!! So my account is closed with {$1000.00} in the acct which I have never received and WELLS FARGO HAS STOLEN MY XXXX MONEY ORDERS X2!!!! tHEY OWE ME THIS MONEY. it's mine. After my previous complaints to the CFPB on this matter, all I get is the standard CFBP form that WF needs more time. In the meantime, those 2 MO deposits have disappeared from my acct and I only have XXXX in it which I can not access. I did get a call from a XXXX XXXX @ XXXX ext XXXX who told me basically to shove it while she takes 10 days to look at it. I also got a call from a " XXXX ''. both people do not return my calls. Im out all this money while they decided that I commit fraud!! I get a letter today that my deposits on XX/XX/XXXX ( they even have the incorrect date, it was XX/XX/XXXX ) have been researched and I am not entitled to them. No reason for the " not entitled to them '' statement. Who decided this? What experience do they have in these situations? Not one reason has been forthcoming. I am closing copies of the XXXX money orders and the letter they sent denying my XXXX XXXX deposits. This bank has a history of paying huge fines to the US government for opening accounts for people who did not know they did this ... charging them exorbitant fees and also huge interest on auto loans. I WILL NOT BE A STOOGE FOR THEIR ANTICS. If I DO NOT GET MY FUNDS FORTHWITH, I WILL SUE THEM AND ACTUALLY SHOW UP IN COURT WITH MY RECEIPTS. I can use XXXX small claims court to start and my brother is corporate lawyer who would do this for me gratis. Show me proof of fraud. I enclose all the documents.After just checking my account online, even my XXXX balance is gone.. it shows ZERO balance!!!

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 2023-10-04
Company: Experian Information Solutions 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 am requesting that it will be removed from my credit report as soon as possible.

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 2022-11-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
To whom this concerns There is an Account opened in XXXX that is being reported in accurately to my credit report. 
My info is : XXXX XXXX XXXX This account was opened as a result of identity theft and its not mine and is reporting a balance of {$5900.00} It was then sent to collections in early XXXX as I had no knowledge of the account and was getting phone calls from the collection company. I told them it was fraud & sent them information regarding this a fraud repot via email, and they determined that it was identity theft and therefore they stop pursuing the debt and told me it was being sent back to TD Bank for official closure. 

Since then I assumed it was resolved but it is still been reported to my credit report I called TD Bank and they said they do not have any information regarding the account on XX/XX/XXXX. I spoke with a representative in the fraud department who opened a global security claim to further research. 

I have not heard back from the global security team within TD Bank. 

I have added a picture of the account that has been reported to my XXXX and XXXX XXXX profiles as well as the letters Ive sent to The Credit bureau which was them forwarded to TD Bank regarding this. 
I do not recall any response through mail which is a huge issue at a violation of the fair credit reporting act since they did not reply with any validation of the account. 

Again I thought this issue was resolved since the debt collection company told me in early XXXX that it was determined it was identity theft and being revoked by TD Bank from the collection agency. All of this should be able to be traced within TD banks communications with their debt collection company. I do not understand why the account is still being reported to my credit report even after this has been figured out please delete it as soon as possible from all credit bureaus As they claim theres no record of the account they have withdrawn it from the collections agencys and have failed to verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: TD BANK US HOLDING COMPANY
State: NV
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 was alerted, by XXXX XXXX, that a hard inquiry was made by XXXX XXXX, and my XXXX  score was reduced XXXX points on XXXX. I called XXXX to tell them it was fraudulent and they told me to contact XXXX. I proceeded, and XXXX assured me they would deny the application as none of the information matched. I called the other XXXX credit report companies to inform them as well. All XXXX companies have now been alerted of the fraud. I was also advised to contact FTC as in so doing this will help with this activity. I have very good credit and pay all accounts off at the end of the month. I dont need any credit cards as I have all I need.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am writing to request your assistance in resolving a credit-related issue that I have encountered. I have made several attempts to rectify the situation directly with the creditors and credit reporting agencies involved, but my efforts have been unsuccessful thus far. 

Fraudulent Credit inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-03-23
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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 have lived with groups of friends in XXXX XXXX  and XXXX  XXXX  and I been seeing debts on my credit report that doesnt belong to me. Hard inquiries And I have tried filed disputes and still nothing seems to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: IN
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 recently obtained a copy of my credit report and found several accounts listed that do not belong to me. I wish to formally dispute these inaccuracies, as they have negatively affected my credit score and financial standing.

Under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting an investigation and removal of these erroneous entries. 

The details of the accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These entries are incorrect as I have never opened or authorized these accounts. 


I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.

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 2023-03-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I believe someone is using my credit file. I've been unable to access my credit file nor my credit score. I've been experiencing this issue for quite some time now ( almost 8 months ). I've tried myself to contact all three credit bureaus and all have informed me that they can't access my file using the identity measures they have in place. I am very concerned and need this problem resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-03-23
Company: EQUIFAX, INC.
State: IN
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 dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. These inquiries should also be removed. 
XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Citi Costco Visa card for several years. My family pays for our expenses with the Citi Costco card and we pay the full amount due on the due date which is the XXXX. day of each month. While I always check for charges on my card I had no reasons to check for late fees and interest charges because I pay in full on the due date. 
However it turns out they have been charging me for late fees and interest for several months now, when I called to inquire I was told that I make my full payment after the XXXX XXXX Standard time, therefore I get charged for late fees and interests. I live in XXXX, I make money, in XXXX, I spent money in XXXX  and I make payments in XXXX  but I if pay this account in full after XXXX in XXXX  XXXX I'm late and need to pay more. Citi bank has brunches in XXXX  and is not and online bank and must extend the courtesy to XXXX to pay their bills by XXXX  times but apparently that is not the case. I called and was able to get some refund for them but not the full amount which I feel like I'm entitled to. Below please see the dates and charges : XX/XX/XXXX, full payment was made but was recorded on XX/XX/XXXX, {$29.00} late fee and {$92.00} interest was charged on XX/XX/XXXX. 
On XX/XX/XXXX, full amount was paid, no XX/XX/XXXX, {$60.00} interest was charge, no late fee this time. 
On XX/XX/XXXX, full payment was made, on XX/XX/XXXX, {$110.00} interest was charged no pay fees. 
On XX/XX/XXXX, full payment was made and was recorded but XX/XX/XXXX, {$95.00} interested was charged. 
On XX/XX/XXXX, full payment was made, it was record on XX/XX/XXXX, and interest of {$110.00} was charged on XX/XX/XXXX with a late fee of {$40.00}. 
On XX/XX/XXXX, full payment was made but the interest charge for {$95.00} was charged on XX/XX/XXXX. 
So far in XXXX they have charged me {$69.00} for late fee and {$560.00} interest. 
I called and spoke to their customer service on XX/XX/XXXX and was able to get {$40.00} refund for late fee charged on XX/XX/XXXX and {$200.00} for interest charges. 
I'm making the complaint because I think I'm entitled to a full refund for late fee of {$29.00} and the remaining {$350.00} interest they charged. Please 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 monetary relief
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: CA
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XXXX and XXXX XXXX  XXXX. Please delete these accounts ASAP.

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 2020-02-10
Company: Credit Counsel, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have been harassed daily by a Credit Council , Inc. bill collector, by the name of XXXX XXXX, after making an agreement ( on XX/XX/XXXX ) of how I was to pay a debt for my company. It was initially about {$30000.00} and he brought it up to {$59000.00} for illogical reasons. XXXX XXXX pretended to be a lawyer and told me he would take me to court if I wasn't going to make some sort of agreement with him. So, I paid a lawyer to figure things out. We settled on me making payments of {$1500.00} a month. I have paid a total of {$31000.00}, my latest payment was on XX/XX/XXXX. He has sent me a message threatening to " have a warrant for my arrest '' to scare me into paying him more money. He calls incessantly to my personal phone and office. He insults my staff, uses profanity and gives out my personal information to workers, claiming that I owe him {$50000.00} and he " doesn't know how I am still able to run a business ''. His calls start at XXXX ( before we open the office ) and continue throughout the day, 3 to  7 times in a row. 
I am really hoping you can resolve this issue.

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 2020-08-02
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
My complaint is regarding Chase Auto. They placed an unauthorized inquiry on my XXXX credit report on XX/XX/XXXX, This was not authorized by me, i was not contacted as is required on my Victim Fraud Alert. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XX/XX/XXXX& XX/XX/XXXX 0000000 ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022 I used the pay anyone feature service thats designed by chime. I authorized XXXX $ to go to a specific cell phone number which is my wife. That transaction was intercepted by an fraudulent chime account. That account should not have had my wife cell phone number on it. My wife been the owner of that cell phone for years. My wife have never had a chime. So why was her number linked to an chime account. I have provided numerous documents supporting my case. Since my wife cellphone number was associated with that account she got the chance to use the pay anyone feature the money went directly into the fraudulent account. I will love to provide details and documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank closed my account, stating I had late payments, to which I have not. On your credit report a late payment is a payment 30 days or more overdue. My statements will show I have NO late payments. 
Now they are trying to charge me a late fee of {$29.00} saying my payment was 2 days late. 
There is NOTHING in the disclosure stating anything about a late fee. 
I am tired of being harassed by this company, this is unfair practice and bullying You can see by the statements I have attached there has never been a late payment, they are doing this to justify closing my account for no reason. I will get a lawyer if this is not resolved!

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 2020-02-05
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection in the amount {$45000.00} on the US DEPT OF ED partial account number XXXX and a collection in the amount of {$38000.00} on the US DEPT OF ED partial account number XXXX. ( Please see page attached from my credit report. ) The balances reporting are absolutely incorrect. On account ending in XXXX the credit limit was {$13000.00} and now the past due balance is being reported at {$45000.00}. On account ending in XXXX the credit limit was {$10000.00} and now the past due balance is being reported at {$38000.00}. This false reporting of collections is seriously harming my credit score and these accounts need to be taken out of collection status and the account balances need to be reporting accurate information! Please update and/or remove these line items from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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