BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-17
Company: WELLS FARGO & COMPANY
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX  2022 I wired funds from my XXXX XXXX XXXX business account to Wells Fargo Bank to purchase equipment for {$37000.00}. I made the mistake of trusting the financial institution of Wells Fargo because little did I know at the time that Wells Fargo was involved with fake accounts. I tried to get XXXX XXXX to recall the funds but wasnt successful. After reporting the scam to XXXX XXXX they said Wells Fargo was investigating the incident but after 6 months of investigation they said they closed the investigation. They didnt provide any other information or details.

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 2022-11-01
Company: Experian Information Solutions Inc.
State: IN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-05-03
Company: BSI Financial Holdings, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred or sold to BSI in 2018, Ive experienced nothing but inaccurate information from day one. BSI lose payments, escrow, etc when your bank statements show theyve been paid. All of their agents give you different information concerning your account. BSI constantly show your account in default status when your bank show payments have been processed. BSI constantly charge you late fees, NSF fees, property inspection fees, non existing fees to name a few. Ive tried tirelessly to work with this company to no avail. PLS HELP. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: AES/PHEAA
State: DC
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 have been on an income-based repayment plan for a number of years. My federal student loans are currently serviced primarily by XXXX XXXX. In XX/XX/XXXX I received a standard notification that I would need to recertify my income by the end of the year in order to continue to be on income-based repayment in XXXX. In XX/XX/XXXX, I submitted the relevant paperwork and income verification to recertify my income-based plan. Despite this, my XXXX loan payment was approximately ten times what it should have been had I been under the income-based repayment. 

I noticed this, and gave XXXX a call explaining the facts and the situation. I was then told that my XXXX payment amount would be " reviewed '' and I would receive an email within 7-10 business days with the outcome of the " review. '' In fact, more than a month later after having called in again, I was only then told over the phone that the " review '' was unsuccessful and my XXXX payment would not be corrected. I never got the email I was promised, and to date have no idea what standard was used to " review '' my payment amount. When I called I was told that XXXX " billed 20 days in advance '' and my XXXX bill had already been processed, and that was why the XXXX amount was so much. 

My XXXX payment continues to remain the same, despite my XXXX and XXXX payments being the proper amounts based on the income-based repayment calculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: Payward Ventures Inc. dba Kraken
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX I deposited approximately XXXX XRP ( Ripple ) in the Kraken exchange account identified with public ID XXXX XXXX XXXX  XXXX ( you can see deposit details in the attached file ) My deposit is listed as " on hold '' for more than 3 Months and I have completed all of the verification levels. and my withdrawals are suspended. I created a ticket to deal with the problem # XXXX. No representative of the exchange has contacted me to try to resolve the problem. I have made multiple phone calls and was only told " to watch my email. '' Please Help me. 

my E-mail XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification- description of reinvestigation procedure. This account was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: Dovenmuehle Mortgage, Inc.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We received and were approved for loss mitigation in XXXX after a long lengthy process. They tacked on exorbitant legal fees and other fees. We bagan making payments after never receiving any paperwork other than a letter that we were no longer in foreclosure. Payments were being made with no knowledge of where to send them. We sent to the address in the paperwork, when I called about this the CSR said that this was normal during loss mit and continue to make payments. We did and it was still being reported to the Credit Agencies that we were in default. On XX/XX/XXXX, I received XXXX statements with a due date of XXXX. When we called them they informed us that our payments were going toward attorney fees when that is not what the paperwork stated, they were added to the balance. We want to pay via ACH but they wont let us stating we are behind, then we were told we only owe XXXX. They sent me a statement which was so confusing I couldn't understand it. Now today I got a letter that we are in default which is not true. I want to refinance with another bank so I don't have to deal with them anymore. I have never dealt with such incompetence in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions Inc.
State: MO
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:
The following accounts do not belong yo me. In the past i have been a victim of identity theft inwhich left my credit file compromised. In the past I had request the Method of Verification inwhich you find this accounts true and just know as a general rule electronic Verification is not a factual statement of facts. Also via the rules stated within the FCRA once an account is established from identity theft then the accounts shall be removed. Therefore, I'm demanding the immediate removal of the following accounts. Please block and remove ; 1 ) XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) 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 2020-07-23
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
please remove any Security freeze Fraud ALERTS OR FRAUD FREEZEOR PROMOTIONAL BLOCK FROM MY CREDIT REPORT. NEVER REQUESTED ANY OF THOSE TO BE ON MY REPORT

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 2020-10-28
Company: Experian Information Solutions Inc.
State: MO
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:
The following accounts are all unauthorized and an result of identity theft inwhich is already documented within your company. This misuse of my credit file has affected me gravely. I'm asking for you to please remove the following unauthorized accounts.

1. XXXX XXXX XXXX {$1600.00} 2. XXXX XXXX  XXXX {$800.00} 3. XXXX XXXX  {$590.00} 4. XXXX XXXX XXXX {$810.00} 5. XXXX / XXXX 6. XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX 8. XXXX XXXX XXXX {$160.00} 9. XXXX XXXX XXXX {$790.00}

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 2023-10-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Late Payments XX/XX/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 2023-10-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2021-12-27
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  -- - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: JPMORGAN CHASE & CO.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a second complaint. In regard to your letter of respectfully declining my request for compensation. Let me list the errors of your bank. First Error : loan was paid in full however you bank did not release the lien. Second Error : I went to Chase Bank in XXXX KY on XX/XX/XXXX then my lawyer contacted you XX/XX/XXXX because it was not resolved properly. Also by the time it was received and processed it was XX/XX/XXXX. Third Error : Your bank lost the paperwork not my lawyer nor myself. Fourth Error : It should never have take from XX/XX/XXXX until XX/XX/XXXX to research and resolve this issue. Therefore Chase Bank is the proximate cause of loses in the amount of {$2000.00}. This amount is in line with small claims so, if you don't resolve this I will file in small claims court in XXXX XXXX KY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Diversified Adjustment Service, Inc.
State: DC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with XXXX XXXX, I do not have a contract with Diversified Adjustment Services , they did not provide me with the original contract as I requested. 

Company Diversified Adjustment Services Opened XX/XX/2023 XXXX {$230.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2018-02-28
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, 2018 I sent Diversified Consultants, INC a debt validation letter by certified mail asking them to provide me with the following ...

- Agreement with your client that grants you the authority to collect on this alleged debt.

- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
- Any insurance claims been made by any creditor regarding this account. 
- Any Judgments obtained by any creditor regarding this account. 
- Name and address of alleged creditor. 
- Name on file of alleged debtor. 
- Alleged account number. 
- Address on file for alleged debtor. 
- Amount of alleged debt. 
- Date this alleged debt became payable. 
- Date of original charge off or delinquency. 
- Verification that this debt was assigned or sold to collector. 
- Complete accounting of alleged debt. 
- Commission for debt collector if collection efforts are successful. In the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt they give up their rights to collect on the debt BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

Diversified Consultants, INC has failed to validate this debt as they only sent a copy of a bill which is not validating the debt. Under the FCRA and FDCPA it requires you to verify the validity of the debt within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of invalidated debt here as the debt was not properly validated because a billing statement does not properly validate the debt and I urge you to remove this item before I am forced to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05
Company: Experian Information Solutions 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:
On XX/XX/XXXX someone opened a credit card in my name with XXXX XXXX XXXX for the XXXX XXXX XXXX and charged {$220.00} in my name. I notified the bank of the problem on XX/XX/XXXX when I became aware of the fraud as the card was sent to my home. I completed the investigation report and returned it to the bank on XX/XX/XXXX. I have been trying since XX/XX/XXXX to place a fraud alert on my credit report with Experian and file a dispute based on identity theft but they have refused to respond to my attempts to contact them on their website or by phone. I called the " special identity theft fraud number '' XXXX but it will not allow me to file a dispute and no one has responded to my messages on their special alert hotline number. I had no issues notifying XXXX or XXXX   and have received confirmation that a fraud alert has been placed on my account and they have acknowledged my dispute. XXXX  has been responsive in investigating the identity theft, only Experian has refused to respond.

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 2023-11-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
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:
Since it now appears quite clear that your VERIFICATION is erroneous and you NEVER contacted the Bankruptcy court in the first place, I am making a direct demand under 15 U.S.C.A. 1692g ( b ), that your firm provide the following VALIDATION of information regarding HOW and WHAT you are reporting on my credit report in regards to this erroneous Bankruptcy. Please supply the information below so that I can be fully informed : The name and address of the Court Clerks office contacted for verification. The Phone and Fax numbers of the Individual or Department from whom you obtained this information. Provide standard procedure for verification and validation of disputes filed under the FDCPA and FCRA. Provide me with a COPY of the information that this Court of Record has provided to YOU in regards to this erroneous verification of the disputed Bankruptcy. You have 5 days to acknowledge in WRITING the receipt of this 15 U.S.C.A. 1692g ( b ) dispute and 30 days to provide the information requested above. If you can not or choose not to pursue this matter, provide me with a written notice of ITEM DELETION of the Bankruptcy Record in question within the next 14 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
Conns keeps calling me, My wife and I have both told them we need our tv and couch repaired and we will make a payment. they refuse to warranty them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I opened a store credit card and purchased furniture totaling {$2100.00} from the XXXX XXXX XXXX XXXX in XXXX, LA. I agreed to apply for store credit because of the promotional offer of XXXX months deferred interest payments, other wise I would have made other arrangements for payment. I was promised this by my salesmen as well as the store manager and financing specialist, my wife was present for the entire exchange. I had been making payments in an effort to have the balance paid in around XXXX months. However, on XX/XX/XXXX I received my monthly statement from XXXX   XXXX to my surprise my balance had increased by {$690.00}. I logged in assuming my account had been hacked. After logging in to check on my account activity I saw no unauthorized purchase but I did see backlogged interest that had been applied to my account, noting my promotional interested had ended after only XXXX months not my promised XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THE FOLLOWING CREDIT INQUIRIES BELOW WERE UNAUTHORIZED AND SHOULD BE REMOVED IMMEDIATELY. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation