BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-08
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: Old information reappears or never goes away

Complaint:
Around XX/XX/2018 I started the process to open a XXXX XXXX account that provided an debit card. In order to open this XXXX XXXX account, there was a lot of forms that needed to be filled up. I was also under the impression that the debit card would be XXXX XXXX  compatible as shown on their website. When I received the card, I attempted to add this to my XXXX XXXX  wallet, but it kept failing. 

When I reached out to XXXX XXXX about it, they told me that the account type I opened was incorrect and they would be happy to open the right account type for me. Unbeknownst to me, they ran a hard credit inquiry on me. When I found out about this I called XXXX XXXX again about it, and they apologized for it and had me close the new account. They also said they would contact the credit reporting agency ( Equifax ) to retract the inquiry, and I would have to wait 90 days for this to take effect. 

90 days have passed. Equifax still has the record, and XXXX XXXX conveniently passed this off as my responsibility to contact Equifax. When I talked to Equifax, they refused to help me or give me any status update about this, telling me it is XXXX XXXX 's responsibility to remove the inquiry. 

At this point, I'm out of options as both parties ( XXXX XXXX and Equifax ) have refused to offer any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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 2018-04-21
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2017, ditech changed my escrow amount and did not notify me. Due to a {$60.00} adjustment of my taxes, they changed my escrow amount, but did not notify me of the change. They claim to have mailed me a statement saying so, however, I did not receive any statement from them outlining the escrow change.

I made my regular monthly payment of {$2400.00}, as usual, unaware that now ditech was expecting a monthly payment of {$2500.00}, due to adding an additional escrow, and so considered my monthly payment {$43.00} short.

ditech did not contact me at all during this time to inform me of the shortage, and I was unaware until I received my next statement, upon which I immediately called to pay and correct the difference. However, ditech has assessed me a {$77.00} fee over a discrepancy of {$43.00}.

ditech 's customer service representative told me over the phone that they were charging the fee simply " because they could '', and said that ditech had no obligation to inform me that my escrow had changed. They refused to remove the fee, even though I have always ( and continue to ) pay my monthly payment on time, that I was unaware that they changed my escrow without informing me, and that the fee of {$77.00} charged was almost double the disputed amount of {$43.00}. ditech 's rep said I had agreed to the fee when I received my mortgage, which is completely untrue, as ditech purchased my mortgage from another company and I have never filled out any paperwork with ditech or my previous lender authorizing such an egregious fee amount.

ditech refuses to remove the fee, and has repeatedly begun calling me and sending me collection letters over the {$77.00} late fee.

ditech 's abuse of escrow to charge a 178 % late fee is tantamount to loan sharking, especially given they claim to not need to notify me about changing my monthly payment. Having read other stories online, this seems to be a common practice ditech is using to abuse mortgage lending and make profit by changing escrow amounts without notifying customers and then charging high late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 placed fraud alerts on my credit report as there has been a series of invalid inquiries and accounts opened. I have filed several disputes in an attempt to have the items removed from my credit report and have been unsuccessful. I have filed an Identity Theft Affidavit with the FTC and a police report with my local police department. I am asking for removal of the following inquiries : Rise : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, I XX/XX/XXXX XXXX, I XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX, 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 2019-04-09
Company: Credit Karma, LLC
State: NJ
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 got a report from credit karma stating I have a recent hard inquiry from a company called XXXX XXXX on XX/XX/2019. I have never heard of the company and I did not contact that company for any business or whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX Wells Fargo Corporate Office XXXX XXXX XXXX XXXX XXXX, CA XXXX Mortgage acct # XXXX The following complaint is not limited to the factual statements found herein describing actual dated documented references concerning perjury and false Declarations in direct reliance to Wells Fargo on Court documents including This one and more to come. consecutively On or more specifically XX/XX/XXXX the Defendant XXXX XXXX XXXX Submitted in the Circuit Court of the XXXX Judicial Circuit in and for XXXX County CASE # XXXX ( XXXX ) DEFENDANTS PRO-SE MOTION. 
TO DISMISS COMPLAINT against Wells Fargo on the following grounds stated. 

1. On XX/XX/XXXX. Plaintiff filed its foreclosure complaint 2. Plaintiffs Foreclosure Complaint is fatally defective in that it is not verified as required by Fla. R. Civ . P. 1.110 ( b ) That rule provides that When filing an action for Foreclosure of a mortgage or residential real Property, the complaint shall be verified. When verification is required. 
The document filed shall include an oath, affirmation or the following statement : Under penalty of perjury, I declare that I have read the foregoing and the facts alleged are true and correct to the best of my knowledge and belief 3. Plaintiffs Complaint contains the above statement. Furthermore, an individuals signature and printed name. XXXX XXXX, appear below the statement, without any notation as to title or relation to the Plaintiff. The individual swearing to this verification statement under the penalty of perjury does not identify himself as a representative of the Plaintiff or any other entity, for that matter. Without Identification as to entity, the verification is incomplete and therefore the Complaint Is unverified and should be dismissed. 

WHEREFORE, the Defendant hereby requests this Court to dismiss the Plaintiffs Mortgage Foreclosure Complaint with Prejudice. 



Sincerely : XXXX XXXX XXXX I certify that the above information is true and correct Please be advised That more complaints against Wells Fargo will be continued and pursed.

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 2018-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX, XXXX reverse was done for a temporary credit for a claim I filed, when I filed the claim it was in time frame but was told when the back end department got around to the case it was out of time frame, I been calling about the dispute no one could answer then I found on my message page once I logged in Resolved I called about this and asked what was out come was told it just states resolved and this was in XXXX, however still no more information was sent to me. So XX/XX/XXXX, thy then reversed XXXX without me knowing this wasnt giving a notice that this would be done When I called theXX/XX/XXXXwas told on XX/XX/XXXX the department states it was to late for them to help me. However why I wasnt notified about this at all just notice thy reversed XXXX from my account and said I cant do anything about it.

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 2021-06-30
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I am writing a complaint about Citibank Risk Management and Retail services. On XX/XX/XXXX I was scammed through the internet and on the phone. I have filed crime repots with the XXXX Police Department ( XXXX XXXX ), the FBI and the XXXX XXXX Police ( Cyber Crime Reference number XXXX ). The criminals took {$400000.00} from our accounts including {$200000.00} from an equity homeowners line of credit. 

The scam started with my request for a refund from an internet software company, XXXX and XXXX. The request for a refund registered {$200000.00} instead of the {$200.00} I was requesting ( obviously a scam ). They told me and showed me on my Citibank account that they had transferred {$200000.00} into my checking account. This must have been a screen shot or a picture because my checking account did not have the {$200000.00} balance. I went to the bank and wired transferred the {$200000.00} to the scammer in XXXX XXXX. The next day they said the XXXX XXXX bank did not receive the money so I thought I wired another {$200000.00}. I did not know that they transferred the {$200000.00} line of credit from my home equity account into my checking account. In addition, they transferred an additional {$130000.00} ( severance ), and {$50000.00} from other accounts. No one at the bank at any time questioned the transfer of {$200000.00} from my home equity line of credit to my checking account and subsequent transfer out of the country. They never questioned my release of {$200000.00} for the transfer of an additional approximately {$200000.00} for a total of {$400000.00}. No one questioned the conversion of the line of credit that had not been used in over 5 years. 

What about the anti money laundering rules? Why did the bank not contact us when a huge amount of money was withdrawn and transferred from our accounts including the home equity line of credit? 

My other bank would have notified me of potential fraud. I received no notification from Citibank or their Risk Management or Fraud Divisions.

I went to the bank on Wednesday to report the scan and block the account. At that time I found out about the use of the home equity line of credit. The Bank Manager told me I had to pay back the line of credit because the transfer was completed on line. Citibank has responsibility to notify me of potential fraud and they did not do so. 

I can not even reach anyone at Citibank to discuss the case. It is my belief that Citibank did not exercise appropriate risk management and anti money laundering procedures and should be required to make restitution.

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 2018-04-21
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XX/XX/XXXX at XXXX XXXX, I contacted XXXX XXXX XXXX. I spoke to XXXX. XXXX identification number is : XXXX. I called to ask why I was getting phone calls about my account going into default. I had an agreement with XXXX on XX/XX/XXXX at XXXX XXXX XXXX ( ID:XXXX ) to pay {$150.00} to bring my account up to date. XXXX stated I had until XX/XX/XXXX to pay the XXXX dollars. I agreed to do so. My bank states XXXX XXXX received and cashed my check on XX/XX/XXXX. When I talked to XXXX she claimed the check hadnt been recieved or applied to my account. I told her about my bank reporting the check being cashed. She again reiterated that they hadnt recieved any money from me, and asked for another {$150.00} to secure a good faith payment and to keep my account from going into default. I reported I did not have another XXXX dollars to give her. I also asked XXXX to stop calling my friends and family and disclosing my debt to unauthorized persons, and to stop calling me after XXXX XXXX  and before XXXX XXXX. I reported that it was illegal to harass me and to call after XXXX XXXX and before XXXX. I also reported it was illegal for her company to disclose my information to friends and family members without my consent. XXXX reported they were within their legal limits to do so. When I reported the Fair Debt Collections Practices Act, XXXX began to back pedal and claimed XXXX XXXX and its employees have not disclosed my information to friends and family. I replied by saying, interesting, and that my friends and family members are reporting otherwise. Contact with XXXX ended after that conversation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Great Lakes Student Loans XXXX XXXX XXXX, is garnishing my wages through XXXX. All of my student loans are in forbearance or deferment. I am not sure where this came from. I can't get any information other than they are garnishing my wages for 15 % of net disposable income - $ XXXXpay period = $ XXXX/month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: GreenSky, LLC
State: CA
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:
Greensky has close to {$90000.00} of money that they owe us in a " reserve '' account that they have had for over a year. They will not tell us when this will be released and how we can get these funds. We have a mutual customer that is trying to payoff their loan with Greensky but they are trying to make us send them more cash when they already have a significant amount of money that they owe us. Because of this our customer is not able to pay off his loan and Greensky will not respond with a fair solution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: NV
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:
names address and accounts wrong XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, CA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY SSNs XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$320.00} past due as of XX/XX/XXXX 
Account TypeCredit card Balance {$3300.00} Date OpenedXXXX Dispute XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$640.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$7200.00} Date OpenedXXXX Dispute XXXX   XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXXXX XXXX XXXX XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$770.00} Date OpenedXXXX Dispute XXXX XXXX Loansshow tooltip button XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. Deferred, payments beginXX/XX/XXXX 
Account TypeFHA Mortgage Balance {$270000.00} Date Opened

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 2018-12-08
Company: LEXISNEXIS
State: OH
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:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OHIO XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX  XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , NJ XXXX. 
ALSO DELETE THE FOLLOWING NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX PLEASE DELETE THE FOLLOWING NAMES LISTED :, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Home Loan Center, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/18, I was browsing on refinancing my current vehicle. I came across the XXXX XXXX website and just for my own curiosity filled out their form to see what kind of offers were out there. I did not provide my social security because I was not that serious about refinancing. If I had been asked to provide my SSN, I would have stopped right there and forgotten about the whole thing. Next thing I know, I received a credit monitoring alert that my credit report had been pulled. I called Lending Tree to see how this was possible given that I had not provided a SSN. Apparently they do not need you to provide this to be able to pull your credit report and I agreed to all this by clicking on the Submit button because buried deep in the Terms of Service this means I had consented. I admit I did not read all 30 pages of their terms of service prior to hitting the submit button because I thought I was safe considering I had not provided my SSN to them. How is this even legal?? What a scam. They count on consumers not reading the fine print and will continue to get away with this very deceptive business tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: EQUIFAX, INC.
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:
Please delete this inaccurate information from my report. first premier XXXX  XXXX cbna XXXX XXXX. I don't have or never have XXXX and I never was late on anything I just saw this contacted cards they said its too late. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: Innovis
State: OH
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:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OHIO XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX   XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , NJ XXXX. 
ALSO DELETE THE FOLLOWING NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX PLEASE DELETE THE FOLLOWING NAMES LISTED :, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation