BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Back in XX/XX/2001, I had a checking account with Wells Fargo. I did n't look at my statements every month but after over a year, I did look at my statement and noticed a $ 10 monthly charge for " Online Banking '' -- something I did NOT sign up for or authorize. This prompted me to go over my previous statements, whereupon I saw that Wells Fargo had been charging me this fee for over a year! When I called to complain, I was told that I would only be reimbursed for the past 3 months ( {$30.00} ), because I should have noticed this sooner. Soon after this, I closed my account with Wells Fargo. Now, in light of all the fraudulently created accounts that have been discovered, I think it 's worth sharing this complaint to show that this nefarious practice goes back for at least 15 years. I no longer have any of my bank statements from that time, but if Wells Fargo still has them, I would like this to be investigated, and to be compensated for the money they stole from me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$6300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$6300.00} -This is not my 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 2016-11-24
Company: WELLS FARGO & COMPANY
State: MS
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
I payed XXXX XXXX on XXXX and revived an conformation nuber on XXXX saying that it 's been payed than I mack an order with XXXX and received an conformation no. Saying it wose payed an being delivered on XXXX than I go an look for it and than its been canceled so I XXXX a XXXX order and it wood not approve the transaction come to find out the payment has ever been returned but not to the fargo acount I payed with

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 2016-02-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Other

Complaint:
I pulled my credit report from XXXX, on XXXX/XXXX/XXXX and XXXX. Wells Fargo has continually reaged a debt monthly that was charged off in XXXX. I had tax consequences in XXXX. They ca n't say a debt is still owing if they have charged it off. I want them to remove the still owing or past due balance. They are also doing this to my ex husband. They have violated the Fair Credit Reporting Act for over 3 years by re aging a debt written off and closed in XXXX. XXXX XXXX was the 180 day write off period. the FDOD was XXXX XXXX. 
I will never be able to get back on my feet if they continue this illegal tactic for both my self and my ex husband.

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 2019-11-13
Company: EQUIFAX, INC.
State: LA
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 CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: PA
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:
NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase online through an ad on XXXX to buy a 799 pc tool set and a 12.5ft flexible Aluminum ladder. 

I received a 12pc tool set and some small pieces of plastic tied to strings I disputed the charge with Citibank noting the Product was not as described Citibank asked that I sign a letter and send them pictures of the product. I did so on XX/XX/XXXX via email. 

Citi removed the provisional credit on XX/XX/XXXX noting that the merchant sent a tracking number and the item was received. Citi requested that I sign another letter noting that the iem was not received. 

I spoke with a representative in late XX/XX/XXXX who noted that the letter was incorrect, they could see the pictures I sent were not of the product ordered and that they would resolve the issue. 

On XX/XX/XXXX I received another email noting that I had a document. The document was the same document noting that the merchant sent a tracking number for the product and my provisional credit was removed. 

I called Cit on XX/XX/XXXX and they said I had to sign the letter by XX/XX/XXXX or the dispute will be closed. I noted I can't sign the letter because I have receive a product but it was not as described. I noted that I was already told this would be resolved by the previous Rep and they said that was false. They recognized the letter is erroneous but " This is the process '' and I have to sign it. I spoke with a supervisor that said " This is the process '' and they will talk to the investigator to get a new letter out, but I have to sign by XX/XX/XXXX. I can't sign the letter since it is wrong so I get to wait for Citi to fix the error and sign a letter AGAIN saying the product is not as described. 

Citi makes disputes extremely difficult to avoid their federally required responsibility and passes fraud on to consumers.

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 2021-07-06
Company: Santander Consumer USA Holdings Inc.
State: VA
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:
This account has been paid in full and not in a derogatory status. XXXX has not made an update on this account since XXXX. This account is Reflecting that the last Payment on this account was XXXX which Is XXXX. This account was apart of a multi state settlement and as part of the settlement this account was supposed to be cleared from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
THE THREE BUREAUS CONTINUE TO REPORT A COLLECTION ACCOUNT FROM XXXX XXXX WITHOUT A PROPER INVESTIGATION INTO THE ACCURACY OF THE INFORMATION. Merely adding a statement that the account is being disputed is not enough. When the creditor refuses to address the dispute and claims that there is a collection agency, that creates a scenario where the consumer can not have any recourse. 
The creditor will not address the derogatory reporting, the collection agency can not and the credit bureau can report as long as the creditor says the information is correct. What is a consumer supposed to do? I have attached the account that is inaccurately being reported. 

Bureaus have not compiled with the requirement that if the creditor does not provide proof in 30 days, the information should be deleted. Please see what was provided by XXXX in response to my requests for proof. I have attached the details of one of the investigations by one of the bureaus. I could not access results of disputes from other bureaus. See dates reported to bureaus and dates of unitemized bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo Home Mortgage sold my mortgage to XXXX XXXX aka XXXX in XXXX. When Wells Fargo Home Mortgage sold the mortgage to XXXX aka XXXX, there was an assignment of mortgage that mysteriously appeared in the county records. The mortgage was never assigned to Wells Fargo Home Mortgage. The assignment of mortgage that appeared was allegedly executed on XXXX/XXXX/XXXX and alleges that XXXX was the assignor and XXXX. was the assignee. This document was not recorded in the XXXX County records until XXXX/XXXX/XXXX and the document was NOT recorded by XXXX. The document was recorded by XXXX XXXX XXXX and prepared by a known robo-signer and false document mill by the name of XXXX XXXX. The document states that it should be returned to XXXX XXXX XXXX after being recorded. There are XXXX loan numbers on the assignment. XXXX belongs to Wells Fargo ( XXXX ) and the other belongs to XXXX ( XXXX ). There is also a min number ( XXXX ) on the document and the first XXXX digits of the min number are the company number for XXXX XXXX XXXX. At the time this document was prepared and signed, XXXX, had in fact been defunct for 2 years. XXXX merged and became XXXX for name purposes only in XXXX. When the assignment was executed, the loan was with Wells Fargo and there was never an assignment of mortgage made from XXXX to Wells Fargo. When this document was recorded, XXXX fully purchased the loan from Wells Fargo. This assignment of mortgage is a fabricated document. Wells Fargo admits there was a purchase made of my mortgage by XXXX but is refusing to provide me with any documentation. Wells Fargo Home Mortgage is stating the information I am requesting is confidential, privileged and or proprietary information of Wells Fargo. In the state of Florida this is a public record and as such, was supposed to be recorded in the county records. According to Wells Fargo Home Mortgages own records, this loan was " paid in full '' in XXXX. There are XXXX DIFFERENT companies involved on XXXX assignment of mortgage. It is extremely clear that this is not a valid document.

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 2022-12-19
Company: Torres Credit Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by Federal and State Law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that as a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX have claimed that I owe them XXXX dollars and told be to pay them by using prepaid cards. And is currently saying that they will sue me if I do not pay, but I remember paying it off, or so I thought. Below is the email they sent me : LEGAL ATTORNEY Mon, XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to me This is ACE XXXX XXXX XXXX XXXX XXXX it is a parent company which owns and operates more than 350 parental payday loan websites- XXXX  XXXX XXXX , XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  etc. You have used one of them to get this loan approved and you never bothered to pay this debt, so the creditor wants to know your intention about this matter of yours. What would you like to do? The principal amount was {$300.00} and now with the late fee and taxes it includes the Attorney charge, NFS Charge, Affidavit Charge, Rate of Interest the initial amount of {$300.00} goes up to {$980.00}. 



We are talking about the loan amount of {$300.00} that you took with the company ACE, they do have a signed copy of the contract which is signed under your email address XXXX and also would like to mention your computer 's IP address was also traced when you were signing the contract with the company. The company has more than 14 technical pieces of evidence in order to prove the money was successfully deposited into your bank account.

We have settlement amount for you : 1. If you can make a one-time payment of {$400.00} by today then we can close your case file with this amount only. 

2. If you are looking for bi-weekly payment then you have to pay a total amount of {$500.00} with payment arrangement and you can pay {$100.00} bi-weekly till paid in full.

3. If you are looking for monthly payment then you have to pay a total amount of {$600.00} with payment arrangement and you can pay {$200.00} monthly till paid in full.

Kindly let us know what type of payment arrangement you are looking for.

Do provide us with the date on which you can pay so that we can update your account. 



We would like to update you that once you will pay off the balance thereafter we will provide you a Full And Final Payment Receipt stating that your account has been paid in full with XXXX balance and you are no longer a debtor for the company. Also we will remove your name from the Major Credit Bureau.

Do revert back for any queries, And I said it's okay, that I don't mind paying in off, but there is no way I will do prepaid cards, especially one that I do not know. I would rather pay in check, debit card, or cash order if needed. I just never knew that I had a debt still, since they took money out of my account repeatedly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
The late on my credit from XX/XX/2020 is an error! Toyota accidentally charged me a {$10.00} fee, marked me late, Repossessed the car, returned the car, and told me they would fix it! They are lucky I'm not suing them for damages! The 30 day late never happened and I suffered tremendously from it! Please help me remove it from my credit so that I can obtain a small level of Justice for this horrific event! What if a child was near when they repoed my car! What if my neighbor didn't believe me! The social harm alone!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. I have accounts that are reporting inaccurate and incomplete credit information on my Credit Report. I have accounts with XXXX XXXX XXXX AND XXXX XXXX That show up closed on my transunion /equifax report, yet the accounts are open last payment was XX/XX/2021 and I'm paying them i will provide a receipt in documents I have multiple name spellings and addresses on my report as well they may be relatives yet not mines XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX town XXXX XXXX XXXX XXXX ny

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: ARVEST BANK GROUP, INC.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Contacted my arvest bank XX/XX/XXXX and XXXX in northwest Arkansas to submit a fraudulent claim of theft XXXX transfer XXXX $ not authorized by me. phone was stolen with account info on phone. Bank denied claim stating it wasnt banks error so money would not be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My car was repo with my XXXX XXXX social security card inside. Upon picking up my belongings her card nor mine was returned. I need to put a freeze on her social security card.

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 2019-05-01
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I made a few Payments of above my minimum of {$500.00} payments of {$650.00}, {$900.00}, and {$600.00}. They keep insisting they do not want to settle for a lower payment I have made a 4 of the 11 payments and I can not afford to make anymore payment of {$500.00}. XXXX is forcing me to pay back {$5500.00}. The loan was {$2200.00} they told me while I was in the early few months and they insisted that I would not need to pay back the full amount. Im trying to close it but they want a total of the full amount they want me to pay. This is cruel and not fair. Before I even accepted the terms I spoke with multiple representatives and they to said I would not need to pay the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Media Collections, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt collector calls my phone multiple times but does not speak on the other end. I have no knowledge of any debt from this collector. 

Moving forward, I request that all communications are via US postal mail. This debt collector does not have permission to call me or any person affiliated with me regarding this matter. 

I also request a written verification of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-10
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card
Issue: Billing statement

Complaint:
My wife passed away on XXXX XXXX, 2016. We were married for 50 years. I notified all of the credit card banks and they all forgave me and my late wife of the money owed the. All but my own bank of Wells Fargo. They said I was co-signer of the card and I must pay them. I reminded them of the Colorado state law that says that I am not responsible for the debt. A month after she died, Wells Fargo said they sent me a credit card for her account. Strange that they would mail me a card a year and a half after ( they say ) I " verbally '' said I would be a " co-signer ''. I asked for me to hear the tape they claim to have of me agreeing to be a co-signer. They refused and told me to hire a lawyer. As a former state representative from XXXX, I served on the XXXX. I realize the problems banks are facing but I had no idea that besides me -- there were XXXX XXXX other customers who were LIED to and cheated by Wells Fargo. I will not be intimidated by them and I wo n't pay these corporate " crooks '' a XXXX. I am XXXX years old and this bank should be there for their customers. I want to file a formal complaint.

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