BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-04
Company: WELLS FARGO & COMPANY
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:
I most recently had a chance to review the documents sent to my attention on XX/XX/XXXX. Based on the information provided, I disagree with the statement and decision that the case was settled and closed by Consumer Finance and Wells Fargo. I have done a side by side comparison of my customer account activity statements that were received XX/XX/XXXX, and XX/XX/XXXX. These documents do not match. 

Example of discrepancies. 
On one set of customer account activity statements received XX/XX/XXXX, there are 11 transactions for the month of XX/XX/XXXX beginning XX/XX/XXXX-XX/XX/XXXX. 

On the other set of customer account activity statements received XX/XX/XXXX, there are 10 transactions for the month of XX/XX/XXXX beginning XX/XX/XXXX-XX/XX/XXXX. 

There are also fees that are not consistent on each set of statements as well. 

I would like to take legal action on this matter. I am CERTAIN that this issue goes back for years as I have been disputing Wells Fargo since 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 2019-04-15
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2009 XXXX XXXX FILED A FRAUDULENT FORECLOSURE COMPLAINT I HAVE NEVER HAD A LOAN WITH XXXX XXXX ... XXXX 

SEE ENCLOSED DOCUMENTS FOR DETAILS AND EXAMPLES AND OR EXHIBIT

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 2022-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
To whom it may concern : I have had my bank account at capital one bank frozen since XX/XX/2021. There is no reason whatsoever that my account, and my funds ( over {$35000.00} ) have been frozen. The bank has refused to answer any questions from me. They have refused to close my account. And they have refused to give me my funds. This has been going on for over a year now. They are holding my money and refusing to give it back to me. This is completely unheard of. They are telling me that my account is being investigated. There is no reason for this. There is also no reason that any kind of investigation should take over 1 year in time. My money has been held this entire time and there is zero communication from the bank to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-07
Company: Texas Guaranteed
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a notification XX/XX/2022, that there was a change to my credit report. I learned that my score had dropped by XXXX - XXXX points because Trellis Company, who is now servicing my federal student loans double reported my loans to my credit report. Currently, my college loans are reported 39 times between Trellis Company and the original loan servicer, XXXX 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 2022-10-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received XXXX different letters dated XX/XX/XXXX from Wells Fargo stating that they will be closing all my accounts ( XXXX business checking, XXXX checking, XXXX savings ) on XX/XX/XXXX. When I called to find out the reason for this they told me it was a " business decision '' and that on their fine print of all accounts they may end the relationship at any time. I asked for a more specific reason because I've been a great customer of the bank since XXXX and they did not provide me with anything. I asked that this be escalated and they transferred me to executive offices and the person I spoke to there said the same thing. I'm appalled by this whole situation and that this is the only reason they gave me. I do not understand at all because I have never had any negative balances, fraudulent activity, paid all my fees, and was a great customer overall. This is completely unacceptable especially since I have never had any problems that would have caused this to happen. No wonder they were fined {$3.00} XXXX for its staggering fake-accounts scandal.

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 2021-03-03
Company: Delta Management Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX I received a collection letter stating I owed XXXX from Delta Management Associates , Inc . 
I sent them a letter disputing the loan, specifically asking for copies of all original written agreements and a breakdown of all collection amounts. They never responded at any time in XXXX, XXXX, or XXXX. I believe they are to respond with in 45 days? 

At the end of XX/XX/XXXX, I received another collection letter from them. Only this time it is obviously the same loan, broken now into ... two different loans. With two different account numbers. At first, I ripped them in half, but then it occurred to me what they were doing. I did not dispute them this time because I believe it is the same loan. 

I believe because I disputed the first letter, and they never responded to it as requested, they just deceitfully broke it down now into two different loans, with different account numbers so they can continue to try to collect it. Figuring I wouldn't bother to dispute it again a second time. Which I didn't. Since I didn't dispute the new " set '' of loans, now they can assume it as a " valid debt '' and continue to try to collect it. I believe this is certainly a deceptive practice. Number one, because it just is. I mean how many times will they not provide proof, and keep splitting the loan, or changing the account number? Number two, because they don't have proof of the original loans this is what they do? I believe it is a fraudulent method to bypass having to provide me with proof.

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 2020-05-23
Company: First Credit Services Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I've attempted to connect my PNC bank account to XXXX  and was told I was no longer able to. I also attempted to connect my account to my XXXX XXXX  account to transfer funds and I was not able to connect it either. This has been a reoccurring trend with PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX XXXX Opened XX/XX/2017 {$650.00}. This debt is not mine. Removed once and then back on my credit. We lived with room mates, so I have disputed this and asked for proof. No proof given, just credit reporting agency saying it was. Not fair at all.

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 2020-05-14
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 have some new inquiries that I did not authorized and would like them removed. XXXX, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: UT
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 been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any  transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I did an online purchase. It was a scam. They ask me to pay with Zelle XXXX, as soon as the scammers got the money, they cancelled the order and I never received the product. Because I used Zelle XXXX said there was nothing that can be done. Sells has no fraud protection like a credit card. If I had used the Visa Bank card they could investigate. So I lost {$250.00} to this fraudulent website and there's nothing I can do to recover that money.The apps like Zelle, XXXX XXXX, and XXXX do not have any federal protection against frauds or scams like a Credit Cards do. This should change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX from USAA XXXX from USAA XXXX from USAA call I have No hands to answer USAA is aware of my disability USAA gives ME NO ACCESS ON LINE OR BY PHONE USAA can not verify me a member of 35 years THIS IDENINITY THEFT WAS REPORTED TO THEM XX/XX/2018 UNRESOLVED AND SENT TO COLLECTIONS LOWERING MY CREDIT SCORE 93 POINTS THIS HAS DESTROYED MY FI NANCES AND NOW HAS DESTROYED MY HEALTH I REFUSE TO CONTINUE Please tell XXXX from USAA IDENINITY THEFT DEPT ... .. HE IS ( 2 ) TWO YEARS *** TOO LATE AND STOP HARRASSING ME USAA HAS HARRASSED ME TWO YEARS SENDING ME TO COLLECTIONS XXXX YEAR OLD 35 YEAR MEMBER IS OUT I WILL NOT DIE FOR USAA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Experian Information Solutions Inc.
State: AL
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:
Recently, I ordered my credit reports and realized that my student loan payments are not reporting correctly. I disputed with the credit bureaus and you all validated the error that is currently on my credit report. Besides the inconsistency on all 3 credit reports, the payment history is all wrong. ( I've attached an example of only ONE out of many accounts ). 

If you'd take a look in XX/XX/2017, you will notice that I made a qualifying payment/deferment. The next month, XX/XX/2017, it states I am 90 days late. How is that possible? This is just one mistake out of many. I would like for all of my student loans that show this same mistake to be corrected and if you can't correct it, I would like this deleted off my credit as this error is hurting my credit, terribly.

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 2021-03-03
Company: Experian Information Solutions Inc.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2018-07-28
Company: EQUIFAX, 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:
The FCRA,15 U.S.C. Section 1692g ( a ), mandates in no uncertain terms thst a debtor has 30 days to dispute the validity of the debt.If the creditor can not provide sufficient evidence that the debtor was given adequate notice, the debtor must be given another 30 day debt validation period, and the creditor must provide evidence the debtor is liable for the accounts in question.

XXXX XXXX XXXX {$710.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$690.00} XXXX  XXXX XXXX XXXX Balance : {$260.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance XXXX {$4500.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I should receive a return check of XXXX usd from Barclays Bank since XX/XX/XXXX XXXX, as I paid off the full loan amount with a check of XXXX usd on XXXX XX/XX/XXXX. the check was higher than the final amount of pay off due to the bank deducted automatic from my bank XXXX on XXXX. they never sent this check back to me of XXXX usd and every week on my calls ( more than 15 calls ) I have been told that they don't know what is the problem. they said we sent the check to your home address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX ) they have been lying to me now for 4 months with the same excuses that their back office is who's handle the issue and they don't know what's happened. the end of this is that for my understanding they don't want to return my money. I need your help to solve this issue my loan acc is under my name XXXX XXXX my date of birth is XX/XX/XXXX and the last 4 of SSI is XXXX. 
thank you

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 2018-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently received a certified letter containing a Notice to Occupant of Pending Acquisition from XXXX XXXX XXXX. I do not reside in the property. This is the only document that I have received over the last year informing me of this matter with the exception of the legal foreclosure documents filed with XXXX County in XX/XX/2017. I have made multiple attempt to contact XXXX XXXX and have made multiple attempts to retrieve information from XXXX XXXX   in order to clear my name of this outstanding debt. Over the last year, I have talked to multiple Customer Service Representatives and have had to explain this story over and over again. I have been denied multiple requests to talk to an individual in management. I have been given multiple different stories/ scenarios about my liability and my association to the loan attached to this property. According to the Fair Credit Reporting Act : I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. 

Additionally, I have been told that I would receive phone calls from Management at XXXXXXXX XXXX, have been assigned multiple single points of contact, and still have not been able to get a straight answer or any type of assistance in this matter. XXXXXXXX XXXX has denied my request to have all documents associated with this loan/ property sent to me and the customer service representative indicated that this wasnt possible and in similar situations that other spouse didnt worry about situations similar to this. 

XXXX XXXX has failed to keep me informed and has acted in a negligent manner. Due to this negligence and failure to provide me with documentation about the status of the loan over the last year outside of the Foreclosure Notice, I am requesting that all they remove all negative reports to my credit status immediately. Additionally, after months of attempts to contact XXXXXXXX XXXX   to retrieve this information and talk to a representative that could provide me with accurate information I have been falsely informed by several Customer Care Representative employed with XXXX XXXX indicating that I should not be held accountable for the loan. XXXX XXXX may be considered a major financial institution should be held accountable for unfair practices, miss informing customers, and refusing to keep accountable parties informed. Due to XXXX XXXX negligence in this matter my reputation has also been damaged. XXXX XXXX performance deficiency has caused additional damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Happy Money, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was approved for a personal loan for XXXX $ at 6.99 % APR, following a direct access to my checking account for income and identity verification by PLAID and hard enquiry on my credit report. To finish processing my application they asked me upload my valid drivers license, which I did, after 2 days they send me an email to call them at a given number, during the call based on my name the agent asked about my immigration status, which I replied I have a valid immigrant visa, he then asked me to upload a utility bill, I went on to their portal and uploaded, and then when I went on to check the status it asked me for SSN card to upload and I did, then every time I go on the portal to check status it kept adding documents to upload, my passport, visa, immigration approval document. I uploaded all of them valid documents a total of 7 and denied because the validity is not enough for the loan term 3 years +. I met their advertised criteria and a good credit score of XXXX, they discriminated against me and denied me just because I am an immigrant with reason given - no reasonable assurance to pay back, no where on their website or terms and conditions it mentioned one need to be a citizen or have a validity up to the loan term, I was mislead, played around, discriminated, and humiliated, they asked of unreasonable assurance that exceeds anyones ability.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: MEDCAH, Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received this collection debt saying I owe {$130.00} including penalty fees. I says that the creditor is from an electric company. I did not open a account with an electric company. I have been a victim of identity theft in the past ever since I entered my personal information on the internet and did not have virus protection on my computer.

Company response to consumer: Closed with explanation