BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I attempted to close my saving account 3 months ago. At the time, was told that I needed to first drop it to a XXXX balance and the account would be closed. I transferred out the XXXX on XX/XX/18 to XXXX the balance. I then went back to close the account on the XXXX, XXXX, and XXXX but the system would not allow it although I very clearly had a XXXX balance. Last night I was charged a {$12.00} fee, 3 days before the other fees were assessed and called in to rectify. I was told by the agent that I now had a negative balance of {$12.00} and would need to get that to XXXX before I could close the account. I asked to reverse the fee to which he said he can not due to the fact that I do not have a relationship beyond the savings account. It should be noted that I also have a XXXX mortgage with this once decent bank. 

Note - This was originally an employee account which allowed for no fees on savings regardless of balance. When I left XXXX, I was never provided a disclosure, electronic or otherwise, of a change in fee structure.

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 2022-12-30
Company: EQUIFAX, INC.
State: NJ
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I recently applied to rocket mortgage and all went smooth my credit score is XXXX I believe it qualifies for the XXXX minimum requirement. They told me that the down payments goes together with the closing cost Wich would sum up to the amount of {$19000.00} Almost thats a XXXX down payment. I know down payments are closing cost are two different things to begin with. She kept telling me hold on on the line as if she was asking someone else wich I doubt it. The home price I applied for in XXXX XXXX Texas worth only {$170000.00} only I went to another lender and they told me that was a huge sum. 

Closing cost shouldnt be costing me XXXX. They told me they were going to charge me for their service {$5800.00} dont know what percentage is that. 

I feel like this isnt right something isnt right. I qualify to get this home but they see some savings in my account and maybe they think its ok to overcharge me Not sure if its discriminating maybe bc Im a single woman who needs this home which is homes for humanity as well. I dont understand I just went to their log in page where my information is supposed to be show account number And this is the message There's some work to be done before we can qualify you for a mortgage. But we can help you get there. ( XXXX ) score This happened last week and they told me my score was more than XXXX but they just need it all that money, thank you to whoever it may concern With this phone number you can find it Im sure XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX FI, XXXX, XXXX MORTGAGE, XXXX, XXXX, XXXX XXXX XXXX XXXX FIN, and XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: XOOM CORPORATION
State: OH
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:
XOOM.COM ( XXXX ) has taken money from my checking account for who knows what that was not authorized. Furthermore, there are numerous other indications of withdrawal attempts, which may or may or may not have gone through ... .amounts ranging from {$150.00} to {$430.00} ( 8 that I am aware of so far ). Two have these withdrawals have shown up against my XXXX XXXX account and for the time being they have redeposited the funds. I have not been able to determine what is the result of the other at least attempted withdrawals. XOOMXXXX has indicated a " Transaction Fee '' for all of these Withdrawals ( attempts ) so they are definitely making money off of these phony activities. .A reoccurring name associated with being the recipient of these withdrawals is a " XXXX XXXX ''. I have contacted XOOMXXXX but have not heard back from them. I also requested a termination of my account as obviously they have no protection against a criminal enterprise even if they are not a purposeful party to it. I do not believe I had these issue prior to XXXX becoming XOOMXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: Navient Solutions, LLC.
State: AR
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:
Navient Ffelp borrower since 2006. XXXXoan increased from XXXX to XXXX today. One of those years they put me on an ibr without telling me the ffelp would not qualify for loan forgiveness after 25 years. Also told me after leaving ibr that the prior year would not count toward 25 years if so joined ibr again. They made me pay a full regular payment to leave the ibr. A few years later I asked for help joining a XXXX XXXX  And refused to help or advise me on best plan. They have succeeded in keeping me a payment plan that sees my balance rising and lower than dept Ed programs thereby keeping dept Ed programs unavailable to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: KLS Financial Services, Inc
State: MS
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 the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement 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 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 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 2022-12-30
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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021, {$2000.00} was taken out of my account from $ XXXX On XX/XX/2021, {$3000.00} was taken out of my account from $ XXXX On XX/XX/2021, {$800.00} was taken out of my account from $ XXXX On XX/XX/2021, {$1000.00} was taken out of my account from a $ XXXX using Cashapp and I contacted them letting them know that I didn't authorize these transactions. They told me that it was nothing that they could do. I was scammed I filed a complaint and disputed it with my bank but my bank couldn't retrieve my funds. They didn't put the funds back onto my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
In XXXX of 2003, at the age of XXXX years old, I was listed as co-borrower on a classmate 's student loan application. I was told I was needed as just a reference by the classmate, so I agreed to that. Navient ( XXXX XXXX ) never spoke to me in the underwriting process, nor did they conduct satisfactory due diligence in approving such a loan. As a classmate with my own loans from them, it makes zero sense that I commit to paying for another student 's education. After bringing the situation to Navient 's attention, they refuse to remove me from this loan as co borrower DESPITE the loan being in good standing. To lend to two unrelated students for one of the parties education, while both are students is EXTREMELY PREDATORY AND UNETHICAL. I was not competent in understanding the process and I was grossly taken advantage of. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian is currently reporting a bankruptcy on my credit file that 's does not belong to me. I 've never lived at the address also was told by an agent at XXXX that someone with a similar name as me probably was the reason that they attached it to me. Anywho they 've deleted it from my credit filed and so have the other bureaus can you please look into this. When contacted Experian this guy stated that he had a direct contact at the bankruptcy courts to verify that the bankruptcy belongs to me. I 've reached out to the courts and they stated that " that 's a lie that they do n't verify anything with the credit bureaus ''. They also sent me written confirmation as well. Please see attachments.

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 2018-11-30
Company: EQUIFAX, INC.
State: WI
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:
The credit reporting agency investigated my complaint of inaccurate information on my credit report being furnished by XXXX ( XXXX ). I advised the credit reporting agency that the furnisher failed to update information that once may have been accurate but due to payment deferments and forbearances was no longer accurate. From XX/XX/2015-XX/XX/2015 XXXX has reported late payments. I provided the credit reporting agency with a copy of the approved forbearances showing the months that were reported as late as having a zero balance due. 

XXXX XXXX reported XX/XX/2015 as 90 days late but reported XX/XX/2015, XX/XX/2015, and XX/XX/2015 as on time. They then reported XX/XX/2015, XX/XX/2015, and XX/XX/2015 as each 120 days late. This reporting defies logic because how can XX/XX/2015 be 90 days late but the 90 days previous are all reported as on time payments? Additionally, how can one make a late payment for a balance that is XXXX? 

The credit reporting agency has failed to acknowledge and consider official documents provided to me directly from the furnisher, on the furnisher 's letterhead that shows there was an approved deferment/forbearance for the months that were reported late. Instead they made small modifications to my payment history which did improve my score some but still do not reflect accurate information. The FTC wrote an opinion on this matter and explained that information that was once accurate but is no longer accurate needs to be updated to reflect the current information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Mid-Minnesota Management Services, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I need to change the address that you are mailing my debt collection to. I no longer live at the residence and need to change it asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: LEXISNEXIS
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 have a Bankruptcy report on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Delta Management Associates, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received call informed collection person I was at work and didnt have the time to talk to verify the debt he got mad and said im just trying to get him off the phone and not pay

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 2017-08-14
Company: Experian Information Solutions Inc.
State: TX
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:
To whom this concerns : Im initiating this complaint because of some concerns I have about the way the credit bureaus continue to report negative Items on my report even after I have twice sent certified letters asking them to delete the negative accounts. I have stated in my letters to Experian, XXXX, and XXXX that I have never entered into a contract with the below mentioned companies and I requested that they send me a signed document of my contract with the companies mentioned below. I am aware that under the FCRA guidelines the credit bureaus are responsible for ensuring that they are reporting all accurate information as this could adversely affect consumers in a negative way. I am also aware that when you contact the bureaus concerning an Item which is not correct they are responsible for showing proof of the legitimacy of the items being reported. In my experience I have sent two rounds of certified letters and have waited over thirty days for responses both times. The initial letters yielded responses back from the bureaus within the 30 plus day time frame. With the second round of letters I have only received one response from Experian stating they would not re-investigate my dispute anymore because the accounts were verified on their end and I would have to contact either the companies or an attorney to prove that the accounts reported do not belong to me. They also refuse to send me the documentation I requested which is for the accounts to be verified and shown that they are accurate and valid accounts of mine. The accounts in question are as follows. XXXX XXXX XXXX ( Experian, XXXX ) XX/XX/XXXX {$680.00} XXXX XXXX XXXX ( Experian, XXXX ) XX/XX/XXXX {$990.00} XXXX XXXX ( Charg e off Experian, XXXX closed sold off ) ( XXXX transferred ) XXXX {$120000.00}.

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 2020-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts and credit inquiries listed on my XXXX, XXXX and Trans Union credit report are fraudulent and unauthorized accounts and credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX. They accounts and credit inquiries are all fraudulent.

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 2017-08-14
Company: LEXISNEXIS
State: AZ
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 is incorrect

Complaint:
I have contacted LexisNexis Consumer on several occasions in reference to incorrect information on my XXXX XXXX XXXX XXXX ( XXXX ) report. My last contact was on XX/XX/XXXX because of an underwriting decision that increased my car insurance rates based on two incidents on XX/XX/XXXX and XX/XX/XXXX. I was sent a letter dated the same date as my discussion from LexisNexis showing that those two incidents on XX/XX/XXXX and XX/XX/XXXX were listed as not at fault. On XX/XX/XXXX ; I was sent a letter from XXXX XXXX XXXX Underwriting stating that they were cancelling my insurance effective XX/XX/XXXX due to three collisions on dated XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX which were listed as at fault despite being reported and confirmed by XXXX XXXX and XXXX XXXX as being not at fault. This incorrect information has caused severe harm to my insurance rating and ability to secure reasonable priced insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After sending 10 letters, The credit agency failed to verify the accounts. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation