BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hey there, my name is XXXX XXXX and I have been running around for months trying to get my money back. I've talked to my XXXX multiple times and they have provided me with adequate proofwhich shows that they no longer have my funds and that Wells Fargo indeed is responsible for my loss of funds. I received a CPFBnotification stating that my Wells Fargo complaint has been closed and that I will not receive access to my hard-earned money because I there is proof that Wells Fargo sent my funds back to XXXX ( XXXX XXXX ). When I heard this, I was over the moon because I thought was finally the proof that I needed to show XXXX in order to get my money back, but after giving XXXX this information, they informed me that a chargeback had been done with my card issuer ( Wells Fargo ) which means that the seller now currently has my money and there is no way of getting this back. I have submitted a few document to this complaint, included that of XXXX 's which states that I submitted a chargeback with Wells Fargo ( which I clearly didn't as I didn't have access to this closed account ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EdFinancial Services
State: TX
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:
I was told they will back date the payment for 2 money orders to process my last remaining student loan since XX/XX/2023. I never get it a result and it still there balance {$1100.00} after delay to months. The 2 other loans already paid off. I don't understand why didn't process the payment for my last one it taking so long. Customer Service Rep told me to mail via check/money order. Which I've did the day I mailed them a certify mail along with verification signed! I need them to remove all 3 accounts off from my credit report it's affecting me for applying home, job, and other benefits.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-11
Company: MEDICAL BUSINESS CONSULTANTS, 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: Old information reappears or never goes away

Complaint:
LATEST CREDITOR : MEDICAL BUSINESS CONSULT ORIGINAL CREDITOR : XXXX XXXX XXXX DATE REPORTED : XX/XX/2018 BALANCE : {$920.00} MEDICAL BUSINESS CONSULTANT XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX PHONE # : XXXX ORIGINAL CREDIT PERSISTENTLY RESELLS DEBT THAT HAS ALREADY BEEN PAID TO NEW CREDITORS. THIS DEBT REAPPEARS FREQUENTLY. THIS DEBT HAS ALREADY BEEN DEEMED INACTIONABLE BY THE CREDIT REPORTING AGENCIES. TO CONTINUE TO PLACE THIS ON MY REPORT IS AGAINST THE FAIR CREDIT REPORTING ACT AND I WILL PROSECUTE. REMOVE THIS DEBT IMMEDIATELY AND QUIT RESUBMITTING IT AFTER IT WAS SUCCESSFULLY REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: MUSA Holdings, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I had a loan from XXXX XXXX, I would like more information on the class action lawsuit. My loan was transferred, I was not given any notice regarding change in loan servicer. My car was repossed once. My car was turned off a few times. Documentation on loan paperwork was false. Car was sold for almost triple times its worth. Now I'm fighting to get a title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: KEYCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sold my home and I received a partial payment from the title company. I deposited the XXXX check into my KeyBank account. After waiting 7 days the check was cleared and I was allowed to get a little over XXXX of my money then a hold was put on my account and I have not had access to my money since the XXXX of XXXX. The money was deposited on XX/XX/XXXX. I was told that the suspected fraud with the check. So I called fraud department with the man from the title company. Because I was told I needed to provide proof of where the money came from. The man from title emailed the bank a copy of the cleared check from his account and the deed and bill of sell from the house, I also sent them a copy of the paystub from check. Still they will allow me access to my money and can not tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX  XXXX XXXX Balance : {$4100.00}

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 2022-04-11
Company: MM RV JV 1, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted a refinance application with Interest Mortgage, I reviewed the application several times with the loan officer and i repeatly state my interest in only paying for an Appraisal if and when I was conditional approved and the appraisal being the only item needed to clear and approved my loan request. The loan officer stated several times, that he will only ask me to pay for it, if that was the only thing keeping the loan from clearly/approved. After several delays, my applciaiton being reasigned to another processor and many emails to obtain a status. I finally after several weeks of waiting, recieved a conditionally approved mortgage with the only items to clear, being statement of debt that I would pay off at closing and the appraisal. I was quote {$530.00} for the appraisal, which i paid for and after waiting several weeks for an appraiser, i received an email stating that my appraisal cost increase and I would need to pay the difference of {$65.00} dollars, I ask questions and ask for proof which none were provided. In the middle of this, my processor was change and out of the blue, i received a call from the worst appraiser in the country to schedule an appraisal. I reach out to the processor and was inform the company would pay the difference, that is agains the law for the mortgage company to pay for an appraisal for any type of loan. XXXX XXXX XXXX. After waiting several weeks, i received a letter from the compay stating my loan was denied due to insufficient income to loan. Which was something that was clear from the beginning of the applicaiton process. 

I have ask the mortgage company for the refund for the appraisal since, i have mutiple times request that i would only pay if my loan was required as the final items for final approval. this mortgasge company stole my money and send a bogus appraiser to conduct the appraisal that was corrected two times.

I am asking for a full refund of my {$530.00} dollar i pay for a services I did not recieveed as expected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08
Company: LEXISNEXIS
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: Reporting company used your report improperly

Complaint:
I have communicated them and sent couple of request to do the investigation and send me results but I never receive any response from this company, so they are just ignoring my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery is a debt recovery company. I dont have a signed contract with them. The couldnt produce the proper documents when asked for method of validation to show me that my signature, Identifiation etc was on file. They couldn't produce it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: TX
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:
Alerted on XX/XX/XXXX that my personal information could have been affected by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from XXXX XXXX. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: DISCOVER BANK
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an attorney who represented me in a collection case with Discover. He entered into an agreement with XXXX XXXX XXXX in XXXX XXXX, to which I paid faithfully every month until my obligation was met in the fall of 2019. I noticed that none of my payments was recorded by Discover, and they still have me owing the final amount, which was not the negotiated amount. I then got another letter from XXXX & XXXX trying to collect the same debt. What happened to the money I paid XXXX XXXX XXXX? Why hasn't the Discover account been credited with that money, and why isn't the debt being adjusted by the payments I made. The payment arrangement was not much different than the total amount of the debt owed - in other words, it wasn't a 50 % debt reduction. So I want Discover to recognize the payments and the debt to be satisfied as per our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
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 am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Conduent Incorporated
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Before child support payment started going to Way2go card, they were with XXXX XXXX. I had monies on my XXXX  XXXX  that were taken fraudulently, ( I logged in to the child support portal and saw deposits were made that I never knew about and I never got the money ) I reached out to Dept. of Child Support and they said to contact Way2go for replacement card and prior statements/transactions on the account. I called Way2go and requested these things but they were never sent. Someone used my card and they aren't sending me to things I need to prove the fraud and get the money that my kids dad paid in order to take care of our children. Someone stole my kids money and Way2go is not following through with helping me A ) GET A NEW CARD ( I never received one when the switch took place from EPIC to WAY2GO ) B ) I NEED TRANSACTION HISTORY TO DISPUTE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
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:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am eligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found a car loan on there that I have never applied for. This item is not mine. Please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is with Capital One 360. I had a primary mortgage as well as a HELOC loan for my property in Ohio. I was recently notified that they sold both loans to two different lenders / servicing companies. Both companies, XXXX and XXXX XXXX XXXX are primarily in the business of debt collections. 

I understand that is it perfectly legal for Capital One to have sold these loans, but I do not appreciate the fact that closing these loans and re-opening them under a different account has caused my credit score to plummet. I also do not appreciate the fact that I now am treated like a delinquent debtor when I call these collection agencies. Furthermore, whereas I previously had the ability to call one number to discuss my accounts, I now have to manage them across two different organizations. 

I take great care to manage my debts as well as my credit record and I do not think it right for a bank to damage my score, resulting in higher loan costs, in this manner. I also do not think I should treated as a delinquent when I have not had a late payment in 30 years! 

I guess the best way to summarize my complaint is that Capital One sucks ... because they have no concern with regard to the consequences their actions levy upon their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The complaint I have is : - I have not received bonus as promised- The bank does not provide anyway to talk to someone who can address my problems- I've spent hours of my time waiting on chat, phone, and for scheduled meetings where no one from the bank showed up. 
- I have now lost interest I could have received from the funds of about {$1600.00} Details : I opened an online checking account on XX/XX/XXXX. 
There was a {$1000.00} bonus for opening an account and funding with {$75000.00} I funded the account on XXXX I confirmed with a bank agent that I met all of the requirements for receiving the bonus and should receive it by XX/XX/XXXX On XX/XX/XXXX I was told that I had not received the bonus because the name on my account ( which was only First and Last name ) did not match the name on my tax filing, which included my middle name and XXXX. 

1st Issue - I requested the name change kit, but on XXXX, they sent me just another W9 and signature kit. 
I requested again the name change kit, and finally received on XX/XX/XXXX I submitted a name change document on XX/XX/XXXX 2nd Issue- I called many times between XXXX and XX/XX/XXXX to check status on this change, and they kept giving me some reason why it was delayed and told me to keep waiting On XX/XX/XXXX I got a notice in my online account that said I needed to submit additional name change docs, like a marriage certificate or other reason for the name change. Since this is just a correction, this didn't apply to me, so I started to try to talk to a human about my issue. 
3rd Issue - At this point I noticed that the automated phone line would no longer allow me to authenticate so I could not talk to a live agent, which cut me off from anyone that could help me I tried using the chat to escalate multiple times, until finally someone suggested I use the " Schedule an Appointment '' on the website 4th Issue- I scheduled an appointment 3 separate times/ days the week of XX/XX/XXXX. All 3 times no one from Citibank attended the scheduled meeting. 
I was given a branch contact info to try to call to talk to an agent, but the branch does not answer the phone and I get put back into the automated phone system that will not let me authenticate and talk to a person. 

So now I've wasted 6 months on trying to make this account work, I still haven't received my bonus, and I've lost more than {$1600.00} in potential interest that I could have made on my money. Citibank has no way for me to address my issue by talking to a human being, and has put up many roadblocks to keep me from contacting someone.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: GA
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:
Equifax is reporting inaccurate, unauthorized consent and privacy information on my consumer report. They have violated my privacy with unfairness and inaccurate information. I'm not filing for a dispute, I'm demanding that this information be removed from my consumer report. 

The inaccurate and unauthorized consent things that are listed on my Equifax account are : 1. Employee information I do not work for XXXX XXXX XXXX. 
2. Address ; My address is XXXX XXXX XXXX XXXX, Georgia XXXX. 
XXXX. The credit card information that is on my file with Equifax is not authorized and not accurate please remove XXXXXXXX XXXX date XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXXXXXXXXXX  XX/XX/XXXX -XXXX/XXXX  's XX/XX/XXXX XXXX XX/XX/XXXX XXXX 'XXXX  / XXXX XXXX XX/XX/XXXX XXXX 
4. The loans that are listed on my account are in accurate and unauthorized ; - XXXX XXXX  XX/XX/XXXX in the amount of XXXX is inaccurate. 
-XXXX XXXX XXXX  5. Hard Inquiries is in accurate and not authorized to be reported ; - Equifax mortgage Services XX/XX/XXXX XXXX services XX/XX/XXXX -XXXX XX/XX/XXXX. 
6. Collections that are on my account for dates XX/XX/XXXX or an accurate and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS

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