BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo bank has lost the trust of the customers and consumers by taking advantage of the customers and consumers and wanted the past employees of Wells Fargo bank to participate in all of these illegal activities and was fired from Wells Fargo because these past bankers told the truth about how Wells Fargo bank illegal activities that was going at Wells Fargo bank. Wells Fargo was sued many of times for discrimination and opening up fake accounts with out the customers and consumers consent and with out the authorization of those consumers and customers permission. And the customers and consumers thought that Wells Fargo bank would help us to become financially stable. And surely this is not the case instead of helping us to become financially stable instead Wells Fargo bank opened up XXXX XXXX accounts with out the authorization and consumers and customers consent. And has failed to make not only myself or the other customers and consumers about all of hidden fees and closing accounts with out the authorization and customers and consumers permission. And taken advantage of all of us who has trusted Wells Fargo bank to help us become financially stable. And has taken advantage of those XXXX and XXXX community. And the reason why I have tried to make Wells Fargo bank aware of these things that are going on with Wells Fargo bank. This bank in which this is supposed to be a professional institution and it's obvious that it's not. And had bragged about cross selling. This is a sorry excuse for a professional institution and taken advantage of the customers and 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 explanation
Consumer complaint received 2019-10-30
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I visited my Primary Care Physical 's office for XXXX XXXX and XXXX. Total billing was {$220.00}. In XXXX, XXXX my insurance XXXX declined the claim as " administrative services are not covered '', thus {$210.00} of the billing was not paid by insurance On XX/XX/XXXX provider transfer the bill in the amount of {$210.00} to Collection Agency " Overton Russell Doerr '' On XX/XX/XXXX I paid provider the full amount of {$210.00} with my own credit card On XX/XX/XXXX, When XXXX  XXXX XXXX run my credit report with XXXX, it still shows that I have " a derogatory public record or collection appearing on my consumer credit report '' On XX/XX/XXXX when XXXX XXXX XXXX run credit report via XXXX XXXX, it shows, again " i have Derogatory public record or collection filed '' I have called Overton Russell Doerr many times requested documents about my account payment as well as status, I have not received any from them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: MRS BPO, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a scam collection notice from MRS BPO, L.L.C. The mailing address is XXXX XXXX XXXX, XXXX XXXX NJ XXXX. The notice claims to be collecting a debt of about {$200.00} on behalf of XXXX XXXX. I have never used any XXXX credit products and do not owe any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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: Information belongs to someone else

Complaint:
I called the credit reporting agencies letting them know the inquiries are unauthorized/ not supposed to be visible on my consumer report. Never gave them permission or consent to report these unauthorized accounts. This is Aggravated Identity Theft 18 U.S. Code 1028A XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$610.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: REGIONS FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
signed up for a XXXX mastercard back in XXXX of XXXX. Since that time I have had nothing but issues with this company. This card is by comdata and apparently operated under fleetcor technologies. 

The invoices are unclear and set up in a manner that is hard to follow. Access to the payment site is difficult. They were constantly trying to sneak hidden unauthorized fees into the billing. This began in XXXX of XXXX with what they called a fleetdash  fee of XXXX and continued for three months until I caught it. This happened again in XXXX of XXXX. We were enrolled without consent in a service they called fraud protector in XXXX. In XXXX they began billing XXXX per month. This went on for 5 months until we caught it and asked that the fees be removed In XXXX the fees had been credited back with but there was yet another mystery charge. This time it was called a high risk transaction fee for the amount of XXXX dollars. I held back payment in XXXX due to this as well as other issues with service and was hit with interest fees as well as huge late fees. 

On a XXXX approximate balance they charged : XXXX in interest XXXX late fee XXXX high risk transaction fee This all compounded by the next statement and we were unable to access the online portal to view transactions or make a payment. When they unlocked the account finally I made payment for all charges and interest minus late fees. They continue to compound interest and late fees on the initial fees that were unduly charged. I have made numerous attempts to resolve and have been unable.

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 2020-11-29
Company: CITIBANK, N.A.
State: TX
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: Overcharged for something you did purchase with the card

Complaint:
On XXXX I notified CITI of a billing error involving a charge on XXXX from The XXXX XXXX. I received notification my dispute was opened the same day. On XXXX CITI sent an email stating they heard back from the merchant and would be reviewing the details and get back to me within 10 days. 
On XXXX CIT sent an email claiming to have sent a secured message regarding the status of the dispute requesting information. There is no record of this secured message being sent through CITI.com. However, on XXXX CITI sent a confirmation of receipt of the billing dispute details requested. No other messages regarding the status of this dispute have been provided by CITI, nor have any of the documents provided by the merchant been forwarded to me. 
CITI acknowledged the dispute, receipt of all details regarding the dispute, and receipt of documentation from the merchant. However, CITI failed to provide the merchant response or continue to properly proceed with this dispute as required. This resulted in CITI charging the disputed amount of {$110.00} back to my account without notice or providing the required documentation. This is a violation CITI routinely makes.

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 2021-04-01
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY
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:
There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

XXXX. XXXX XXXX XXXX {$120.00} Shows charged off. I never opened this account. 

XXXX. XXXX XXXX Balance {$490.00} Shows closed. I never opened this account. 

XXXX bank XXXX {$0.00} I never opened this account 4. XXXX XXXX XXXX {$0.00} I never opened this account 5. XXXX XXXX XXXX This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late. 

XXXX. XXXX funding Balance {$460.00} They claimed this account was collections for XXXX XXXX. Again I never had any open account for XXXX  XXXX as they are claiming. 

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX XXXX XXXX was opened without my knowledge or consent XXXX XXXX XXXX was open without my knowledge or consent

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 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-10-30
Company: Premier Student Loan Center
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I worked with a company called Premier Student Loan Center. They honestly did a great job getting my payments very low. After almost a year and a half of paying them, I started to hear about how this company might be a scam and that I should probably look into it more. I reached out to my student loan lender ( XXXX ) and was advised to file a complaint because it did not appear to be legal/legitimate. 

I filed my initial complaint, here, through this website in early XX/XX/XXXX. I heard from Premier Student Loan Center on XX/XX/XXXX. They wanted to speak to me about my complaint. After our very thorough conversation, the gentleman I was speaking to offered to give me a refund going back to the date I started paying them XXXX XX/XX/XXXX ). He said it would be for a total amount of {$1600.00} and to look out for it in the mail in 5 to 7 days. My complaint on this website was updated from Premier Student Loan Center showing that as well. I closed out the complaint and was happy with their apology and my refund for the inconvenience. 

I received the check on XX/XX/XXXX, and deposited it that same day. The check cleared with my bank on XX/XX/XXXX. Over the course of a few days, I spent half of the money to pay various bills and expenses. On XX/XX/XXXX, I woke up to my account being - {$1000.00}. I called my bank right away and they were able to find out that the funds were returned due to a frozen/closed account. I called Premier Student Loan Center several times this day. The phone ring and ring and went to voicemail ( as a matter of fact, it kept saying to call back during normal business hours even though I was ). I also sent a follow-up email to the gentleman I was talking to ( on the XXXX ) asking about why the check was returned. I also called their bank that the check was written on and the rep said that all she can tell me is that the account is frozen and I need to reach out to the company that sent the check. I found out that the company written on the check was closed after doing a quick good search. As of XX/XX/XXXX, I have heard nothing back from Premier Student Loan Center in regards to this refund check. 

All in all, I believe that they sent out the check to make me happy enough to shut my mouth and to close the complaint that I had originally filed ( which by the way, they responded to by saying they will submit a client refund ). I truly feel like they sent the check knowing the account was closed and that I would never see that refund. Shame on them for scamming people this way. Do not do business with them. You are better off working things out with your lender directly.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-30
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have received notification from Credence Resource Management LLC that I have 2 outstanding balances from XXXX XXXX XXXX. The first account, according to XXXX XXXX XXXX is for services at my former address of XXXX XXXX XXXX in 2015. I was no longer at that location in 2015. The second account, was supposedly for " new '' XXXX service initiated by me transferring service after the expiration of my contact. I have contacted XXXX XXXX XXXX asking for wording/documentation that this information is provided by them to the customer. To date I have not been provided with that information.I wrote a letter the XXXX XXXX XXXX The Office of the President, received one call from ( XXXX XXXX XXXX XXXX XXXX, prompt 1, prompt 1 then ext XXXX ) asking that supporting data for both outstanding accounts be provided and have not heard from her since. I have left her voice messages but no response. 
I do not owe XXXX XXXX XXXX for account number XXXX XXXX service 2015. I am requesting proof that I was advised that " new '' contract begins automatically after the old one expires.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear CFPB, My name is XXXX XXXX XXXX. 


I have been dealing with Equifax for almost a year trying to correct an error with my name. 

I have again, and again, and again, try to correct an error in my report with Equifax. They have me listed as XXXX XXXX XXXX! 

My name is NOT XXXX XXXX XXXX! 

My name is XXXX XXXX XXXX!. 


A few weeks ago I spoke with an Equifax employee who claimed to be a supervisor, but was clearly lying, as they will do anything to keep from getting there contacting a supervisor tally up. 

The poorly trained rap did not speak enough English to do their XXXX job, which is messing up my XXXX life. It is literally keeping me from being able to get credit or get a mortgage. 

This lying, poorly trained, poorly English-speaking rep actually deleted my proper name from the report when I had told her the Erroneous name is XXXX XXXX XXXX! 

THEY DELETED XXXX XXXX XXXX. 

AND KEPT THE WRONG XXXX XXXX XXXX!!! 


Please help me!!! 

This has not been resolved for over a XXXX year and they have now made the XXXX insane mistake, a staff member that was clearly not a true supervisor. 


Attached is a copy of their investigation report showing the insanely XXXX mistake they have made XXXX up my life!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
XX/XX/2021 ... I attempted to remove the rest of my unemployment into another account. According to the number I called my account is closed and I am unable to receive my funds. I have spoken with an agent at detr and sent my drivers license in. Bank of America has yet to notify XXXX  of fraudulent transactions and I have never filed a complaint on this card. The card I had prior to this one was deactivated and I have received a new one. This was months ago when that occurred.

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 2023-06-14
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
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: Information belongs to someone else

Complaint:
This fraudulent company called XXXX is illegally reporting on my credit reports. I've reached out to them about this account numerous of times asking for the signed lease documentation and have received nothing. I reached out to the supposed apartment complex who says I co-signed on a lease in XXXX GA. I have never lived in XXXX GA nor have I signed a lease. They claimed during the pandemic I vacated my lease. I've never been in XXXX and nor do I know anyone in XXXX. I am taking legal action against this debt collector who has given me different stories many of times. This collector had the wrong social security number and when they called me I gave them my correct social and they claimed it was an error and then they started reporting on my credit. I gave them my social to prove it wasn't me and not for them to add the debt to my report. I've lived at my texas address for almost 8 years now and my credit report shows exactly that. This is not a case of stolen identity this is a case of this debt collection agency putting the bad debt on my name because someone has my exact same name. I've dealt with this issue before with another debt and they were able to find the correct person. When I called XXXX they told me to pay 30 % of the debt and they'll remove it and I don't see why I need to pay anything because it's not mine and the opportunities I am missing due this on my report is great.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Lvnv is trying to collect for something I do not owe. I have asked for proof with my signature and they do not respond. This is a total scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have  got into the hands of the wrong person.

Company response to consumer: Closed with explanation