BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received two letters from Wells Fargo bank on XXXX XXXX, XXXX. One contained a credit card in my name. This was not a credit card offer but an actual card. The other was a PIN for the aforementioned card. I called the number for customer service from the first letter. I stated I had not had an account with Wells Fargo for at least 12 years and that I had not applied for a card with them. The first thing they asked for after my name was my FULL social security number. I said I would not give them this and would go to the local bank .I did so that same day and spoke with XXXX XXXX XXXX XXXX XXXX He looked up the card and stated an account had been opened in my name online with Wells Fargo on XX/XX/XXXX. He verified who I was with my driver 's license and last 4 digits of my social security number. He then called someone named XXXX at Wells Fargo. She said there was an investigation recently started into this kind of issue and, in fact, XXXX told me before the call there had just been an Alert issued that day or the day before. I asked XXXX to have this account closed that day. XXXX, who would not give her last name, said that she would not close the account because she did not know if that was OK due to the investigation. She gave XXXX a claim # XXXX for their investigation. When XXXX got off the phone I insisted that account be closed .He did so and I was given a document stating that the account was closed. I went to the FTC website and was redirected here. 
The billing address I submitted below is the address I was living at several months ago.

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 2018-03-25
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: Information belongs to someone else

Complaint:
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > XXXX XXXX XXXX Not Proven Compliant Account -- > XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
nelnet Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$6800.00} Payment Info Status : Current Status date : XX/XX/XXXX Past due amount - Original loan amount : {$4400.00} Monthly payment : {$55.00} Late payments - Account number : XXXX Account status : Open Date opened : XX/XX/XXXX Account type : Education Loan Paid Off : 0 % Balance on XX/XX/XXXX original loan : XXXX Loan Amount : {$23000.00} Contact po box XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX They are claiming I consolidated with them in XXXX, and that my original loan was XXXX, then I have another loan above with them for XXXX now owe a total of XXXX my original loan with college back was a max of XXXX, this is more than my original loan per Federal student aide of what they have posted through nelnet.. 
federal Student Aide and Nelnet can not produce me any information regarding my loan. 
Nelnet is fraudulently stating i had a promissory note with them from XXXX however this is not true number one they have not validated this loan with all and any documents further more, it is impossible to have a account with nelnet when another company by the name of XXXX XXXX XXXX through XXXX XXXX XXXX. had my account that was opened XX/XX/XXXX XXXX that would of washed out there so called contract that they are fraudulently stating i opened with them. i cant very well have two companies with contracts for the same years being claimed, billed and owe for the last few years. showing wo complete opposite accounts per XX/XX/XXXX credit report XXXX Account Info Account number XXXX Account status : Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$24000.00} wih owing of XXXX this account i never consolidated and i want it closed completely some one is fraudulently charging me with two different accounts, two different amounts although Nelnet has two separate loans. 

I have reported this to the attorney general and all other government agency to get this issue resolved every time I have asked for a copy of all my documentation I have not received anything except once thru a secured site a promissory note that was inadequately filled out and with wrong information. I couldn't save it or down load it nor could i get back into the secured site. i have a right to all and anything related to me, all my documentation. 


I have years of credit reports that show and prove this information i can print them out and sent the ones only regarding the loan if needed. to any and all companies. 

i do not want to send my whole report the information was cut and pasted from two reports above

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Attached to this complaint is a Federal Trade Commission Identity Theft Report. The following accounts, public record and credit inquiries listed on my XXXX XXXX, Experian, XXXX credit report, are not my accounts, public record or credit inquiries : XXXX XXXX XXXX XXXX, {$370.00}, XXXX XXXX XXXX XXXX, {$3700.00}, XXXX XXXXXXXX XXXX XXXX, {$2000.00}, XXXX XXXX  Bankruptcy, XX/XX/XXXX, Reference Number : XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX 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 explanation
Consumer complaint received 2023-02-15
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Wells Fargo credit card account that I received through XXXX XXXXXXXX in XXXX XXXX WA. It is XXXX interest for 5 years. I am paying {$300.00} a month, slightly more than the minimum payment. The payment is due on the XXXX of each month. I utilize my online bill pay through another bank to pay this. 

One of my payments posted on the XXXX of the month and the other posted on the XXXX of the month. Wells Fargo stated that they could only reverse one fee but not the other. Their reasoning was that it was a XXXX interest account and the payment had to be posted on the XXXX, and stated in their disclosure. I got this credit card through the furniture store and no discussion about fees was had ; simply the XXXX interest. These discussions should be had prior to getting these types of cards.

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 2018-03-25
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: Public record information inaccurate

Complaint:
This is the 2nd official complaint against XX/XX/XXXX regarding their inaccurate reporting to the credit reporting agencies. I have been dealing with this since XX/XX/XXXX. Because I filed a complaint through CFPB and the State of Texas Attorney General 's office XX/XX/XXXX is not only incorrectly reporting to the credit reporting agencies incorrect information but they are purposely reporting different information and running my credit report ( s ) multiple [ al times causing financial harm.

Original CFPB complaint # XX/XX/XXXX- XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have requested validation from all three credit bureaus regarding the information on this account. The only information sent to me is a copy of a bill. That is not accurate validation. There are also discrepancies on the opening date and date of delinquency between the three 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 non-monetary relief
Consumer complaint received 2019-02-11
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Ive been banking with Chase Bank for 10 Years I have a checking account and two credit cards. I do Direct deposit with them I get paid every week on Friday with Chase but I've been on XXXX from work its been harder to pay the bills but Chase Bank closed my account XX/XX/XXXX. I called Chase to ask them why they said I'm bad for Business and they get to pick there customers. I was never told by Chase Bank how I can stop over drafting i was getting hit with {$35.00} fees I can't look at the total but add that all up I'm at {$1000.00} in fees. Chase Bank should of helped me not robbed me and they kicked me out there door. I was never told that if I over draft in my checking account have a savings, overdraft peotection, link an account or link a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
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: Credit inquiries on your report that you don't recognize

Complaint:
I have several hard inquiry that I did not authorize. There are a few dates that have multiple hit all on the same day. I will attach an XXXX sheet that has the inquiry that I am complaining about. I has a list of the inquiry in question the date and the company that is reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: CCS Financial Services, 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: Information belongs to someone else

Complaint:
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- XXXX XXXX XXXX XXXX Not Proven Compliant Account -- > XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: ORG GC GP Buyer, LLC
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is the third letter and 18 phone calls. I have told them not to call and phone registered on do not call list. Based on a lawyer who had a handling case. They keep sending or calling me and telling me I owe on student debt. All my debt was consolidated in XXXX. Both private and federal and was confirmed by my consolidation company. In the last letter, they now have threatened me to take me to court, file it with the credit bureau and take money out of my income. That they have the legal right to collect on this debt from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I initiated a link to Simple Card from my XXXX XXXX XXXX. They asked for trial deposits which I provided the next business day. On XX/XX/XXXX I submitted ( from Simple 's website ) an ACH transaction of {$4500.00} from my XXXX XXXX XXXX   account. Two days later on Friday, XX/XX/XXXX, I received a secure message from Simple that the account needed verification. They asked for a bank statement, voided check, or a screenshot. I provided the full bank statement on Friday, XX/XX/XXXX. On Monday, XX/XX/XXXX the funds were deposited into my account but my account was frozen. I called into Simple 's Customer Service the same day. The CSR informed me that he had talked to people in the back office and to call back if I hadn't heard anything by Wednesday, XX/XX/XXXX. They also informed me that my documents were received. 

On Wednesday, XX/XX/XXXX I called back. Another CSR informed me that it would take 5 business days from the day I submitted documents to process. Once again, call back Friday, XX/XX/XXXX if I haven't heard anything. 

It is Friday. I don't get any response from them. At this point, I just want my funds. I don't have {$4500.00} to just give away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I reach out to XXXX XXXX to begin service but refused to consent any credit inquiry in order to gain service, only to find not one but two credit inquiries on my Transunion credit report from them between XX/XX/XXXX and XXXX. It lowered my credit score almost 30 points. I disputed it through XXXX and Transunion immediately in XX/XX/XXXXupon learning of the unauthorized inquiry. Transunion responded back with a vaguely worded letter advising that whatever the furnisher decided to do has been done. The results of the dispute were unclear. Now, a year later as I'm applying for a mortgage, I've learned that the two unauthorized inquiries are still on my credit report. Please remove them asap. Thanks.

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 2019-02-11
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I sent Kia a payoff check for the entire amount and they reported me 30 days late twice in XX/XX/XXXX and XX/XX/XXXX. How is that possible? I called Kia and told them and they said they possibly made an error but I would have to dispute it. I am not sure why they couldn't just fix it over the phone. I am in the process of going for a mortgage and this is affecting me. I even attached a screen shot as to how the account is being reported and the date of last payment is different on each credit report which goes to show me that Kia is not doing their job. Even the past due amount is different on each credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I tried to sign up with XXXX using my Capital One bank account and was advised by XXXX that the bank is blocking me from accessing my financial data.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Dyck-O'Neal, Inc.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I recently received a writ of execution for my personal residence and personal property for a paid in full mortgage and a debt not owed. ( See attached XXXX XXXXXXXX XXXX documents. In XXXX of 2015, Dyck-O'Neal 's attorney debt collector filed a writ of execution for unoccupied, unencumbered Real Property but failed to pay the Sheriff to finalize and collect his judgment. Now, instead of refilling his writ of execution for the previous, unencumbered and unoccupied, real property worth far more than its illegal judgment, XXXX 's counsel has decided to harass and attempt to forcibly take our occupied home where I take care of my ill mother solely to harass, abuse, and extort money not owed. Our personal residence has two mortgages which encumber or secure the property for the amount it is worth placing mortgagees, including XXXX XXXXXXXX XXXX, XXXX, in jeopardy to an illegal debt collector extorting us for money owed. I have sent an offer again to the illegal debt collector 's counsel for clear and free, unencumbered unoccupied, real property or raw land, previously sought by writ by the illegal debt collector 's counsel, but the attorneys will NOT respond to any messages to settle the illegal debt for money not owed using my unencumbered and unoccupied real property previously sought by the illegal debt collector 's counsel for money not owed. How do I stop the insidious harassment of attorneys who will NOT stop threatening us because we reported their crimes of using fraud to extort money not owed? Failing to act on the original writ, causing three ( 3 ) more years of interest to add up on the illegal judgment, is another crime of abuse, harassment, and extortion for money not owed. In 2015, I filed a Quash for the property writ, in opposition Dyck demanded I give alternate property to the sheriff and therefore I was Denied. At that point, Dyck was able to collect its illegal judgment for money not owed but failed to do so by not paying the sheriff and allowing the writ to expire. The Sheriff said Dyck 's Counsel " NEVER showed up to pay for the Writ of Execution ''. It is illegal to harass us by now choosing our residence which fully encumbered, serving as security for two loans, one mortgage from XXXX XXXXXXXX XXXX and another private promissory note, while I have unencumbered and unoccupied real property, raw land in the same county, worth far more in value than the illegal judgment? I would appreciate a response to the pressing issue of abuse, harassment, and extortion for money not owed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
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: Credit inquiries on your report that you don't recognize

Complaint:
I am currently disputing a fraud item from XXXX which took place in XXXX, however recently XXXX placed a hard inquiry on my credit reports without reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The balance they are reporting on my credit reports are wrong. Td is reporting I owe XXXX but the debt collection company is reporting XXXX please report accurate information or delete

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
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:
I have inquiry 1 inquiry from XXXX reporting to my TransUnion report and i I have 2 inquiries from XXXX reporting to my XXXX and 1 inquiry from XXXX   XXXX/XXXX. i believe these company are in violation of my consumer right as i have never done business with them before. Please verify the accuracy of these data being furnished to my report and please remove them as soon as possible. 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 explanation