BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
COMPLAINT : TRANSUNION,  XXXX ,   XXXX   XXXX     MILLION CONSUMERS IN CA L.  XXXX  MILLION  CONSUMERS IN   XXXX   XXXX   COUNTY.
1. AS YOU KNOW, I MAYBE   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   IN 2018.
2. AS A   XXXX   XXXX  , I AM GETTING TIRED OF THE ABUSIVE GAMES THE CREDIT REPORTING AGENCIES DO TO ALL CONSUMERS : A : WHY WHEN YOU ARE TRYING TO GET A MORTGAGE DO THE CREDIT AGENCIES GET ABUSIVE : 1. WHY CA N'T YOU HAVE UP TO    XXXX   INQ UIRES WHEN A CONSUMER IS NOW SHOPPING TO GET THE BEST RATES AND TERMS FOR A HOUSE???
2.WHY WHEN YOU TRY AND RENT A HOME ARE THE CREDIT AGENCIES SO ABUSIVE AND NASTY : YOU CAN NOT HAVE MORE THAN  XXXX  INQUIRY : YOU CREDIT SCORE WILL GO DOWN : ABUSIVE : YOU CAN NOT SHOP AROUND FOR THE BEST RATES IN MGT.
WE WILL ABUSE YOU : YOUR CREDIT RATING WILL SUFFER : SOLUTION : NEW CONSUMER BILL OF RIGHTS 1. YOU CAN HAVE  10 INQUIRIES  EACH YEAR ON YOUR CREDIT REPORT WHEN SHOPPING FOR A HOUSE OR TO RENT : A : IF THE CREDIT AGENCIES ABUSE YOU AND YOUR RATE GOES UP : CLASS ACTION LAWSUIT AGAINST CREDIT AGENCIES : 2.SOLUTION : IF THE CREDIT AGENCIES ARE WORKING WITH BANKS TO INCREASE THE RATE AT WHICH A CONSUMER CAN GET A CAR LOAN, HOUSE LOAN GOES UP : ARE THE CREDIT AGENCIES COLLUDING  WITH THE BANKS TO SEE IF THEY CAN STEAL MORE FROM THE  XXXX  MILLION CONSUMERS IN CAL, THE  XXXX  MILLION IN LOS ANGELES COUNTY : EXPLAIN TO ME WHY MY CREDIT SCORE GOES DOWN WITH  XXXX  AGENCY  AND UP WITH ANOTHER : SHOULD THERE BE A CLASS ACTION LAWSUIT AGAINST ALL CREDIT AGENCIES OF ABUSING THE CONSUMER AND CHARGING HIGHER RATES T  O THE CONSUMER???

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 2022-01-03
Company: TRANSWORLD SYSTEMS INC
State: MD
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:
My name is XXXX XXXX. I am submitting this complaint without any influence from any third party or agency. 

Please see attached documents/ ID as it contains my full complaint and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i, let my family member get service with XXXX several years ago. they ran up a bill .i did n't know until collection agency sent letter .after the second XXXX i payed a settlement. now the third XXXX wants more money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am in foreclosure. In 2006 XXXX XX/XX/2006 refinanced my home fraudulently. I did not request a loan and I did not sign any documents for them or any escrow company. I do not have knowledge of who requested the loan, or received money from the loan. Wells Fargo eventually has my loan and I did fall behind because of loss of income and could not keep up with my payments. I have completed several modifications asking to have my loan payment reduced and to have my missed payments placed in the rear of the loan. They have repeated denied me. This last medication they would not accept the cash payments that my boards paid to rent rooms from me. They said because it was cash I could not prove they paid rent. I submitted lease agreements and receipts. I finally took the boarders money and got cashier checks and resubmitted to Wells Fargo on an appeal and now they have denied me again. I think I qualify for you to review me under the class action lawsuit to XXXX case. I think it is called the Pick a Part Program. Keep Your Home California had approved me for a {$5400.00} payment to bring me up to date with payments. Now that Wells Fargo has contacted them and not me, they have cancelled the payment they were going to give me. They said it was because of the information Wells Fargo has submitted to them. I was submitted payments to Wells Fargo but could not bring it up to date. Wells Fargo returned several payments to me and said they wanted all money that I was behind. I continue to save the money that I have to pay on my loan but they wo n't accept it. According to my property profile the following finance companies are listed for my loan. XXXX XXXX, XXXX, XXXX " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX times ), XXXX, XXXX XXXX XXXX ( two-times ). I did not sign any documents or these companies. A XXXX XXXX, Senior Loan Negotiator for XXXX DRE # XXXX XXXX, Ca. XXXX, XXXX fax. I now know this was a scam and illegal, he came to my home and said he could save my home and did nothing. He charged me {$1500.00} and I have the receipt where I paid him. We told him he violated SB XXXX and he said take it up with XXXX, because he does n't work for them any more. He drove a XXXX XXXX license plate number XXXX. I have documents to share if you tell me where to email them or fax them to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX. I also have XXXX XXXX XXXX that has my permission to talk to you, and you talk to her, she has been helping me file paperwork. She is my neighbor.

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 2016-10-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo Bank charged me XXXX {$35.00} Non Sufficient Funds fee 's and XXXX {$35.00} Over Draft Fee 's for Non Authorized Debits. I disputed the Non Authorized Debits and they still took {$150.00} out of another Wells Fargo Checking Account of mine without my 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 monetary relief
Consumer complaint received 2016-10-08
Company: WELLS FARGO & COMPANY
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My name was falsely signed to obtain loans at Wells Fargo for my sons student loans. I was harassed by WF about paying them. the loans defaulted. as a settlement I paid off the loans ( since they were for my sons education. I refused to pay all of the late fees and interest WF said I owed. I have asked WF to show me my signature that shows that I signed for the loans. they have never been able to produce any signed document after the first semester which I did sign. WF wanted me to fill out a criminal complaint against my son which I refused. I asked them If I did fill out a complaint would I get my {$40000.00} back that I did pay. they would not commit to that.to this day my credit is still in shambles due to the fact WF will not release my Loan debts ( which I never signed for and have paid ) because they say that they defaulted

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 2015-09-29
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card
Issue: Credit determination

Complaint:
On a recent visit to my local Wells Fargo branch -- where I only wished to have my PIN updated on my debit card -- I was " offered '' the opportunity to apply for their Wells Fargo XXXX XXXX card. Though I was n't particularly interested, the branch agent stressed how the XXXX card would offer a great chance for a " lot lower interest rate than your other cards '' which I had said averaged 13.6 %. Fine, I thought, and applied right there through the agent who was entering my application on his system. 

A few days after the application was made ( with a credit score of XXXX and a verifiable income of {$80000.00} ) my online banking Wells Fargo account added the following card to my account list:1. Wells Fargo Platinum ( not the XXXX card the agent said I was applying for ) 2. A credit limit of {$50000.00}. An interest rate of 22.5 %, following the 0 % interest 15-month grace period. 

In short, I was bait-and-switched by the branch agent on the product I was applying for ( no mention was EVER made that I was applying for or might be downgraded to a different product ) ; the likely amount on the credit limit ; and the interest rate ( that is nearly double any of my other cards ). 

After first contacting the agent ( a XXXX XXXX XXXX to voice my complaints, I was pushed up the ladder to an XXXX XXXX, the " Regional Banking District Manager, Vice PresidentXXXX Colorado - XXXX ''. XXXX assured me that he would look into the matter, and that he would be pushing the case further up the line. A few days later, I noticed that the account 's credit limit had been increased to {$14000.00}, but the account remained a Platinum card account with the 22 % + interest rate. Once again, this was offered to a long time Wells customer ( 20+ years ) with a XXXX credit score and verifiable income. 

I next received a call from Wells " Premium Card Services '' and was abruptly told by an agent named XXXX, " your card will remain a Platinum with 22 % interest rate, and no, there is no one else to discuss this with because how we have arrived at that decision is confidential ''. 

So that was it : bait-and-switched by Wells Fargo with no further explanation, and taking the hit on my credit report for making the application in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened up a free checking account at Wells Fargo bank a few months ago. When I checked my account today, without telling me, they had charged my account due to inactivity causing my account to go into the negative.

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 2017-07-17
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: Account status incorrect

Complaint:
I was reported 30 days late but I made my payment on time.   XXXX   XXXX   #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We put the house in irrevocable trusts. Wells Fargo ( WF ) okay the transfer in XXXX XXXX. We rec 'd a ltr in XXXX stating that it was not allowed, and that they would foreclose if we do n't transfer it out of the trusts. We had numerous correspondences, and began paying off the loan XXXX XXXX and it was completely paid off by XXXX XXXX, XXXX ; WF sent the release of lien XXXX, but told XXXX and XXXX that we were in foreclosure. As the result, my credit rating dropped by XXXX points. We needed to keep the house in the trusts because my husband is ill, and we told WF that we will pay off the balance. As of XXXX, we had {$480.00} balance in the account. Can they ruin our credit for {$480.00}? It seems mean spirited and petty?

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 2016-03-02
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took out a loan with Cashnet USA back in 2014, long before I knew that the loans were void in my state. I took the loan out to cover a short in regular bills. They began charging my account right away, and I ended out having to reborrow the amount that I had to pay in fees, just to keep up, after the first few payments. It became a cycle. The loan finally exhausted my funds completely, and I had to close my account to be able to make my regular monthly expenses. I found help last year from a company and a group that helped me understand that the loan was void. I paid the company to help me with payday loan issues, but they took money without actually working things out with CashnetUSA. The other was a non-profit group that helped me with the payday loan help company, and CashnetUSA. I think my balance at that time was {$300.00}, or so, though with the Line of credit loan, it was always hard to tell. Because the loan was void and unenforceable, I tried to move on, and I tried to get the money back through my bank, but that was not successful. So I just went back to paying my bills, and trying to recover from the hole the loan had left in my budget. Since then, I have had phone calls, emails and letter from Cashnet USA, telling me that I am behind. I do not wish to have them calling me anymore, but from previous contact with them, I was afraid to call them again, for fear of harassment by them or another entity.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I am trying to figure out from Wells Fargo Bank whether or not I opened my credit card or if it was opened illegitametly through their sales team. The associate I spoke to in Customer care stated that it was opened through a third party website but would not provide me with the electronic signature or the carholder agreement. This is a violation of the Telecommunications act of 1996.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Account opening, closing, or management

Complaint:
I have XXXX different loans with Navy Federal Credit Union that I got behind on atleast XXXX payments about 6 months ago. I called the credit union and make payment arrangements and they were very helpful over the phone. The representative stated since I ' am a long term consumer that they would off set my finance charges and adjust my credit history to paid asgreed. A couple of months has past since the last conversation with Navy Federal and at this time their agreements were not satisfied per our conversation. My monthly payments are getting outrageous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
RE-INVESTIGATION OF CHAPTER  XXXX  FILED IN   XXXX      XXXX   XXXX   DISTRICT COURT AND ANY ACCOUNTS ATTACHED TO THIS CHAPTER  XXXX . SOMEONE STOLE MY IDENTITY AND OPEN UP ACCOUNTS IN MY NAME AS WELL AS A CHAPTER  XXXX  BANKRUPTCY THAT WAS FILED ONLINE ( PRO-SE ) I DID BETTER INVESTIGATION THAN THE CREDIT BUREAUS AND FOUND OUT THIS CHAPTER  XXXX  ( FRAUD ) WAS FILED 1. ) ONLINE 2. PRO-SE ( NO ATTORNEY ) 3.   XXXX   XXXX   NEVADA ( I NEVER LIVED IN NEVADA ) 4. THESE ARE THE ACCOUNTS THAT WAS ATTACHED TO THE CHAPTER   XXXX   IN   XXXX   XXXX   DISTRICT COURT.
  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   I RESEARCHED EACH AND EVERY ACCOUNT BY CONTACTING THESE CREDITORERS ALL EVIDENCE AND INFORAMTION CAME BACK TO SEVERAL   XXXX   XXXX   NEVADA ADDRESS.
4  XXXX   XXXX   XXXX   XXXX      XXXX   XXXX    XXXX    XXXX   XXXX     XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX   NEVADA   XXXX      XXXX   XXXX     XXXX   XXXX   NEVADA THE MERCHANDISE THAT WAS RECEIVED FROM   XXXX   XXXX   WAS SHIPPED TO   XXXX   XXXX    NEVADA AND ALSO SAME WITH   XXXX   XXXX  
THE CHAPTER  XXXX  IS NOT MINE AS WELL WHICH WAS FILED ONLINE IN   XXXX   XXXX    NEVADA DISTRICT COURT AND ALSO THERE WAS A VEHICLE INVOLVED. I HAVE PROVEN TO THE BUREAUS THAT THIS WASNT ME. I PROVIDED THE FOLLOWING TO EACH CREDIT BUREAU.
1. 17 YEARS WORTH OF ALABAMA ID ISSUED DRIVERS LICENSE 2. ALABAMA STATE TAX RETURNS 3. RENTAL LEASES FROM  XXXX    XXXX   IS THE ONLY BUREAU THAT HAS REMOVED ALL THESE ACCOUNTS AS WELL AS THE CHAPTER   XXXX    FROM MY CREDIT FILE. I HAVE FILED POLICE REPORT IN MY CITY AND SURROUNDING CITY DUE TO THE FRAUD ACTIVITY ON MY CREDIT REPORT. THIS IS IDENTIY THEFT IN A STATE WHER EI NEVER EVEN VISIT. PLEASE RE INVESTIGATE AND REMOVE FROM MY CREDIT FILE

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 2017-03-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Earlier this month I made two transfers via Wells Fargo sure pay using the recipient 's email address ( XXXX ). According the the recipient, he never got the money. I tried calling and send emails Wells Fargo claims department. But I did not get any clear answer. If the recipient never got the money - then where did it go? 

The following are the transaction details : Expand XX/XX/XXXX TRANSFER TO XXXX ON XX/XX/XXXX REF # XXXX {$330.00} Expand XX/XX/XXXX TRANSFER TO XXXX ON XX/XX/XXXX REF # XXXX TAX ADVICE XX/XX/XXXX {$100.00}

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 2017-07-17
Company: Credit Adjustments Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Credit Adjustments, Inc out of  XXXX , Ohio has repeatedly been told that I dispute the claim of the debt they are calling about as well as to never call my business phone number again. They call at least twice a week and have not stopped. Today I emailed them through the   XXXX   XXXX   XXXX   XXXX   the following letter ( they do not have an email on their website ). It went to   XXXX   XXXX   who is listed as the president of the company :   XXXX   XXXX     XXXX    XXXX , 2017 Credit Adjustments, Inc.
To whom it may concern, I am responding to your contact about collecting a debt. You contacted me by phone, on  XXXX / XXXX /17at my place of business. I do not have any responsibility for the debt youre trying to collect.
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. This notice is in compliance with the Fair Debt Collection Practices Act and you are not permitted to contact me via  XXXX  at any time in the future in regard to this matter as that is a public line and others will have access to it. I have retained two copies of this letter and will be submitting one to the Ohio Attorney General if you persist as well as the Better Business Bureau.
Thank you for your cooperation. Sincerely,   XXXX   XXXX   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 2016-10-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
My school sent my financial aid funds to an account that closed 2 years ago. After tracking the funds, I found out that Chase Bank had held the funds, and deducted fees from my deposit. I asked them to explain what the fees were, and the fees are for attempted transactions after the account had been closed, as well as extended over-draft fees that had begun to compound. The initial deposit was {$720.00}, but after Chase had deducted all of their " fees '', I was left with {$420.00}. I find it hard to believe that fees can continue to compound on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: EQUIFAX, INC.
State: MD
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:
As by Law, under XXXX XXXX XXXX XXXX- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Iwrote a letter and ask the company to verify this debt and they sent a letter. The letter didn't verify the debt.

Company response to consumer: Closed with explanation