BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-09
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have recently submitted a complaint with Equifax regarding the following fraudulent accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX # XXXX The XXXX XXXX XXXX # XXXX results came back as verified. I have never created an account with this company and have sent Equifax all documents needed to establish the fact that someone stole my identity. The reaming XXXX accounts XXXX XXXX XXXX XXXX # XXXX and XXXX # XXXX have been frozen in dispute since XXXX/XXXX/2016 which is now beyond the 30 days to investigate this matter. The fraudulent accounts are effecting my credit, life and liberty. Please resolve this matter and remove the fraudulent accounts from my credit file so that I may start to rebuild my life.. 

Sincerely, A Frustrated Victim of Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting items on my file that do not belong to me. Someone opened a Citi card in my name and charged up {$3000.00} as well as went to get medical care. I have sent them the identity theft report as well as police report all they do is say verified without sending me any contract or anything with my signature. They are also reporting a Judgement that does not belong to me. I told them these items do not belong to me. Equifax continues to ignore me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15
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: Personal information incorrect

Complaint:
My credit report is now showing an address that I do not recognize. I would like to know where the bureaus obtained the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX address. I did live in XXXX before, but never at this address. Any account associated with this address is fraudulent and does not belong to me. Please remove this address from my credit report and please notify me if there is any accounts / reporting associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian refuses to conduct their own proper investigation and to honor a District Court order ( XXXX District court, XXXX XXXX Mi. XXXX ) directing the deletion of XXXX charge-off 's from XXXX XXXX BXXXXnk XXXX XXXX and XXXX XXXX credit cards. I had filed lawsuits against XXXX and XXXX and due to these lawsuits my accounts went into a charge-off status. However, the lawsuits were settled and as part of that settlement agreement the entire trade-lines were to be deleted from my credit reports. ( see attached settlement documents ). 

However, Experian refuses to honor the court order. Here is the latest dispute letter I have attached the Settlement agreement with XXXX ( SEE page XXXX half way down ) directing removal of trade line. 
Additionally, I have Provided Experian with the case number, Court phone number to verify the terms of the settlement. but they have refused to investigate

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 2016-10-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have repeatedly disputed these inquiries with Experian, I set my dispute certified mail. Experian did n't respond within the 30 days which is a violation of the FCRA XXXX XXXX. The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offers b ) insurance c ) employment or d ) a court order. 

I did n't authorize any of these inquiries. I sent dispute letters to Experian and dispute letters to the furnisher and they never sent me a copy of my signature or a contract, these inquiries are still not deleted from my credit report. These inquiries are affecting my credit score. I attached a copy of the companies that pulled my credit, whom I did not give permission to do so. Please remove these inquiries from my credit report immediately.

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 2015-06-22
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
A collection agency put information on my credit report for a bill that I had for a XXXX cell phone XX/XX/XXXX. This was included in my bankruptcy back that I filed XX/XX/XXXX and it clearly lists XXXX and another collection agency that was trying to collect the debt at the time. This has brought my credit score down by XXXX points for old information. I have attached all of the information that is needed for review but if anything else is needed pleae let me know as I am in the process of trying to rebuild my credit. I am also considering taking the collection agency to small claims court as researching this was time consuming and cause credit to be declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: ONLINE Information Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I recieved a letter from XXXX XXXX dated XXXX XXXX 2015 stating that they 're informing me that they have cancelled the following account from their active collections files and are removing the account from their credit file if it was listed. Client name XXXX XXXX, Account # XXXX, date of service XXXX, balaance {$2000.00}. Signed from their collections department. I kept this letter in my personal records until last week when i tried to get electric services in my name at my place of residence and i had a outstsnding balance for {$2000.00} XXXX referred me to indentity theft.gov which they referred me to consumer finance.gov. when i called online collections they told me they had no record of this on file at all but i clearly have sletter from them stating this information!!!!!! # #

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a loan for {$550.00} on the premise that I would simply be paying that amount, plus a small amount of interest and fees. Instead, since I could n't pay the requested amount, I 'm being charged the ridiculous amount of {$120.00} plus the original fees for an extension resulting in the loan being over {$800.00} making it impossible to pay back.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo violated my mortgage no oral modification clause. XXXX. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Wells Fargo allowed a verbal change to my mortgage in strict violation of the mortgage and in contrary to Wells Fargo 's position in court AGAINST oral modifications. I have attached the original Notice stating the new payment beginning XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Sirs : I am filing a complaint against Wells Fargo for denying me a loan modification and for denying me an appeal, as well. 
I believe that I am entitled to a modification because my son, who is co-borrower, lost his jobs on several occasions and was denied unemployment. Although he has found other employment, He is not earning as much as before. We have gotten behind in payments and we are not able to afford the mortgage. 
If you could stop the foreclosure process and make my payments affordable, I will be grateful

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XX/XX/2016 I XXXX XXXX requested from Wells fargo Bank XXXX manager copies of cancel checks that she needed from the bank in order to obtain proof where she paid the City of XXXX real estate Taxes because she was told in order for her to get back were she overpaid her taxes. after numerous times going to the bank in person and talking to the bank over the phone and being told that the bank would take care of it and email the bank cancel check to her son 's email address. And the bank never did send the information which hardening XXXX XXXX from get the money that the City of XXXX owes her in her back taxes which is a few thousand dollars to this day the bank has not help her in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I contact Navy Federal Credit Union on Saturday, XXXX XXXX, 2015 regarding Fund Payment withdrawal from my account from XXXX XXXX XXXX for {$86.00}. They closed the account and issued me a new bank card and when I try activate the card it wo n't it system directed me back to Customer Service Representative were XXXX XXXX indicated there 's a automatic hold on activation of the card because my account is over draw. When do that stop the Credit Union from Activating your bank card when if it overdraw I ca n't use any so why they feel need to prevent me from using the card this way is this policy and Federal Regulations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I submit equity line applications through a branch in Wells Fargo. During the underwriter 's review, I was asked to prove that I have XXXX in liquid assets. I had explained to them that I have equity lines with another bank and can easily pull XXXX in cash, but they insist that I need that amount in cash. So they declined my applications. And I talked with another branch of Wells Fargo, I was told that I should be able to do withdrawing the applications, but the banker I worked with told me no. 
1. Requesting XXXX in cash for an equity line applications is unreasonable. If I had worked with another bank for an equity line application, they never had that kind of unreasonable request. If I had that amount in cash, why I would need the equity lines for? 
2. XXXX is not a small amount. If that could be a requirement for an approval, I need to be notified by that before I started the applications. Otherwise, I would have applied for something which is guaranteed not to be approved. 
3. I told the banker that I would not start the applications at all if I were told that I need XXXX in cash before they declined my applications. Why they declined my applications without asking me if I wanted to withdraw them?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Insurance premium of XXXX for Mutual of XXXX whole life policy # XXXX, which I signed an agreement to be deducted from my personal checking account with the Navy Federal CU, account # XXXX on the XXXX of each month. The company XXXX debited {$55.00} on the XXXX of XXXX and on the XXXX of XXXX. They made XXXX withdrawals within a 30 day period, illegal under banking laws for an insurance product. NFCU has offered to credit back the {$31.00} overdraft fee. I believe XXXX knew I had an XXXX deposit pending and was held until the XXXX. NFCU, although I had a pending posted deposit, NFCU refused to clear the draft. XXXX uses different days to post this payment, so that I may lapse my insurance policy, depite federal banking laws. They can not make multiple drafts within a 30 day period for an insurance policy. I do move money around as I have been a victim of identity theft, so I need the bank to follow an automatic draft schedule as most financial institutions are capable of in the XXXX century of electronic billing. This company also did not take a draft at all in XXXX, I had to mail the payment in. XXXX this premium draft to a third party who does n't provide a legal address or phone number. This jeopardizes my already fragile credit rating and puts my life insurance policies at risk for being disputed. Your attention to this matter is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had XXXX ( XXXX ) checking accounts at Wells Fargo. I banked with them for probably 20 years. On XXXX/XXXX/16, I received an email from Wells Fargo notifying me that one of my accounts had been enrolled in the QuickBooks or Quicken Direct Connect service. This email indicated that there was fee for this service. As I had never enrolled in such a service and was not interested in it, I called the number listed in the email -- the Wells Fargo 's customer service for personal accounts telephone number ( XXXX ). The person I spoke to informed me that her records indicated that I was not enrolled in any such service. She told me the email I received was a phishing scam ; she directed me to forward the email to XXXXXXXXXXXX and delete the email. I did. Later, I received a printed letter ( attached, dated XXXX/XXXX/16 ) from Wells Fargo thanking me for enrolling in the QuickBooks or Quicken Direct Connect service at Wells Fargo. After that, I closed both of my accounts. Then, I received two emails ( attached ) notifying me that both of my accounts could not be charged for this QuickBooks/Quicken Direct Connect service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
consumer stated that her complaint is against Wells Fargo for not refusing to open a business account for her

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 2016-09-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I previously submitted a claim : Case number : XXXX. I was not happy or satisfied with Wells Fargo 's Response. They did not address the issue, the only sent me letters explaining the way my account was set up. Never addressed the information protection violation that wells Fargo engaged in when the shared my information with others. Me and my wife have been recovering from XXXX and it was difficult to respond earlier. I would like wells Fargo to admit what they did was wrong, issue a real apology and a solution to recover and correct the financial loss we have incurred due to the sharing of our private information with others. We have been receiving phone calls, emails, as well mail, that seems to be a direct result of information sharing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and have unauthorized and fraudulent accounts listed on my Equifax credit report. The following accounts are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bank, XXXX Bank, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax has denied me online access to my credit report despite an adverse action against me on XXXX/XXXX/2015 for which I am entitled a free credit report. They advised I am " locked out of their system '' even though I am able to verify and confirm that all my identifying information matches what they have in my file and answer any additional security questions. They were unable to provide an explanation as to why I am locked of their system and are unwilling to provide me with my own credit report or credit file number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A dispute was submitted to Equifax on XX/XX/XXXX due to an account being inaccurately reporting on my Consumer Credit Report. Supporting documents were submitted from the data furnisher that I received to support my claim that the account was being inaccurately reported on my Consumer Credit Report. Equifax failed to investigate the matter properly in addition to disregarding the supporting evidence. A Consumer Reporting Agency 's reinvestigation obligation is to verify the accuracy of its original source of information. This duty may include going beyond the original source. Whether the credit reporting agency must go beyond the original source depends on a number of factors, including : ( 1 ) whether the consumer has alerted the CRA that the original source may be unreliable ; ( 2 ) whether the CRA itself knows or should know that the original source is unreliable ; and ( 3 ) the comparative costs of verifying the accuracy of the original sources versus the potential harm the inaccurate information may cause the consumer. See : XXXX Experian Information Solutions , Inc., XXXX XXXX XXXX ( XX/XX/XXXX ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. Pursuant to the FCRA in 609 ( c ) ( 2 ) ( E ) ; " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated and or can not be verified. I request my private right of action pursuant but not limited to 15 U.S.C. 1681s-2, 15 U.S.C. 1681s-2b and 15 U.S.C. 1681s-2 ( 6 ) ( A ) ( B ) and ( 15 U.S.C. 1692g ). Account number XXXX from XXXX is reporting inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX is reporting erroneous on my credit reportsequifax and XXXX. XXXX states that I have a account and pass due8 months. the service address is XXXX XXXX XXXX XXXX XXXX, ny XXXXthis is not my account, i have never lived thereand I want it removedi have lived at XXXX XXXX XXXX, ny XXXX for the past 20 years ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equitfax reflects my school loan is defaulted. That is incorrect. I have consolidated all my loans and have been paying my school loan for the past two years. This process is frustrating and has ruined opportunities for me and my children 's education. No other credit report reflects this loan defaulted. Why does equitfax?? How does equitfax pull their data?????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2016 and XXXX XXXX, 2016 I filed a dispute for XXXX tax liens. I believe these public records to be filed in error. Equifax was supposed to investigate these items for accuracy and completeness. They report that they verified the items are reporting correctly. However, when I contacted the Ohio Department of Taxation and the XXXX office they both stated that they do not provide verification to the credit reporting agencies. Therefore, it is not possible that Equifax was able to obtain the legally required verification of the record reporting. Upon contacting Equifax, on two separate occasion on XXXX/XXXX/16 and XXXX/XXXX/16 via certified mail, requesting that they mail a description of their procedures, indicating the exact name and contact information for the person responsible for verifying the record they were unable to provide anything. The FCRA requires credit agencies to disclose the procedure for obtaining verification. This is a clear violation of the FCRA. The two tax liens for {$3900.00} ( reference Number XXXX ) and {$630.00} ( reference Number XXXX ) should be immediately deleted without further need for investigation. I am not initiating a dispute. That has been done already and Equifax did not follow the law. This is routinely done by them and the CFPB should act immediately to prevent Equifax from listing public records for which there is not possible way that they could have obtained the verification.

Company response to consumer: Closed with explanation