BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Some years ago my former husband and I had a " PMA '' account with Wells Fargo. When we closed that account this year, a checking account that was included free with the PMA account was converted into an account for which a service fee was charged. This was done without our knowledge or consent. XX/XX/XXXX I received a statement from Wells Fargo that had a negative {$30.00} balance. I immediately called and was told not to worry about it. The account was closed and I would be receiving a statement with a XXXX balance soon. In XX/XX/XXXX I received another statement and this time the negative balance was {$60.00}. Again I called and was told the account was closed and the balance was XXXX. Today I received a notice from a collection agency for {$60.00} -- and then I spent nearly two hours on the phone with WF being transferred from one person to another with a lengthy hold period between each. The final person I spoke to told me there was nothing she could do. The account was in collection. I would have to pay it and suffer the negative consequences on my credit rating. 
I want Wells Fargo sanctioned for this kind of abuse. And I want them to provide me with documentation stating that this matter was sent to collections in error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-07
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted Enhanced Recovery Corp on XX/XX/2016 and paid my debt in full. Over 60 days has passed and they have not reported to XXXX that the account has been resolved.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 2015-12-28
Company: WELLS FARGO & COMPANY
State: WI
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, 2015 I submitted a wire transfer through Wells Fargo Bank to a hotel in XXXX. Wells Fargo was given the name of the bank and the account number in XXXX. The transfer said the beneficiaries account would be credited on or before XXXX XXXX. This did not happen. After XXXX XXXX, I was contacted by Wells Fargo and told to have the beneficiary take a form ( that did not reference the transfer ) to the intermediary bank in XXXX. When I sent the form to my beneficiary they refused to go to the intermediary bank and asked why their account had not been credited. When I contacted Wells Fargo 's international department they stated that the intermediary bank merely wanted the beneficiary 's email address and phone number. This was completely inconsistent with their earlier instructions. Because my arrangement with the beneficiary has fallen through due to the failure of Wells Fargo and their intermediary agent, I have asked for the return of all of my funds from Wells Fargo. This they have refused to do, insisting on keeping their fee and charging me for XXXX currency conversions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Started a request to consolidate credit cards beginning of XXXX 2016. Two months and about {$1000.00}. later which includes about {$100.00} in fax fees we give up. Nothing but request upon request for money and paper work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an account on my credit report that is not mine. My name is XXXX XXXX, XXXX ; my father 's name is XXXX XXXX. My birthdate is XXXX XXXX, XXXX ; my father 's birthdate is XXXX XXXX, XXXX. My address is XXXX XXXX XXXX ; my father 's address is XXXX XXXX XXXX. Our records are constantly getting confused. I have helped with making payments on this property, but it is not and has never been mine. My only mortgage since XXXX has been with XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: ERC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company has violated the FDCPA and the FCRA. I sent a letter requesting to verify the debt and it is now over thirty days since they received the certified mail request. I have asked them to remove their derogatory information from my XXXX report and they have not complied.

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 2017-10-11
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
DITECH FAILED TO PRODUCE A H.A.R.P. REFINANCE LOAN, THIS WAAS A DIRECT RESULT OF THEM NOT BEING ABLE TO PULL XXXX CREDIT REPORTS AND SCORES. SEE XXXX REPORTS FOR BOTH AS MARRIED COUPLES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
I have a credit card with Wellsfargo but never activated the card. it is linked to my bank and I have automatic payment on. However they decided to hit me with a late payment report that hurts my credit score. This incident is costing me money and would like to file a complain to have this late reporting taken off.

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 2015-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am a XXXX XXXX. In XX/XX/XXXX and XX/XX/XXXX I exercised my rights under the XXXX and XXXX XXXX relief act ( SCRA ) and applied for protection while XXXX. Soon after Transunion cut off all of my online access to my account claiming that I have a high risk of identify theft because I am a XXXX XXXX. While this may be well intentioned it is a violation of the FCRA and has served to prevent me from gaining access to my annual free credit report unless I write Transunion, thereby slowing down the request. I am no longer a XXXX and wish to have the same rights as all US consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
We filed for Bankruptcy in XX/XX/XXXX and our case was discharged as planned. However TramsUnion has been has continued to report the XXXX credit card info that has been discharged. I 've gone back to the bankruptcy lawyer that assisted us in the bankruptcy but we have not gotten resolution. We would like XXXX XXXX stopped reporting to my credit report per our bankruptcy. Last reporting date was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCreditCardXXXX XXXX XXXXLast Past Due : XXXX/XXXX90+ Days : XXXX/XXXXXXXX : DEBT INCLUDED IN OR DISCHARGED THRU BK XXXX : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATEXXXX : BANKRUPTCY CHAPTER XXXX XXXX XXXX XXXX XXXX REV XXXX XXXX C XXXX 1963 XXXX XXXX XXXX XXXX XXXXCreditCardXXXX XXXX XXXX30 Days : XXXX/XXXX60 Days : XXXX/XXXX90+ Days : XXXX, XXXX, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed the ( XXXX ) Chapter XXXX 's several times, we only filed a Chapter XXXX that was discharged XXXX/XXXX/11. I have requested several times that they send me information on the XXXX Chapter XXXX 's that are on my reports, no response. I am attaching my chapter XXXX discharge papers on case # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-02
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Other

Complaint:
We are legally married for more than 10 years. Now I have XXXX Rewards store credit card for about half an year and accurately paying my balances. I called XXXX Bank who issued the card several times to add my wife XXXX XXXX as a joint account holder but they refused. We have same household and marriage certificate and a number of joint credit cards and joint bank account since 2004. It is absolutely unclear why my wife can not be joint account holder and may be only authorized user without supplying her SSN and report to credit story.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MEDICAL ACC # XXXX XXXX BANK XXXX ACC # XXXX XXXX XXXX ACC # XXXX THIS IS NOT MY ADRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX - REPORTED XXXX THIS IS NOT MY ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX PLEASE UPDATE MY ADRESS TO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I BEEN LIVING THERE SINCE XXXX/XXXX/XXXX The itemslisted areclearly fraudulent ; therefore, I am requesting that they are deleted /blockedby name of source. In addition, A CRA must block the fraudulent informationand the victim must be identified within four business days after accepting his/her IdentityTheft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), XXXX XXXX. XXXX XXXX XXXX b XXXX XXXX. A. Blocking Information in Credit Reports under XXXX and XXXX ( a ) ( XXXX ) Under section XXXX of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blockingfraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-04-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Just started working, received my XXXX paycheck and wellsfargo student loan service took all but {$200.00} out of my acct. I never gave them permission nor my account info. The bank did an " investigation and left a voicemail stating they were not refunding the money and that I need to call the student loan company. I will be closing my account on Friday. Wells Fargo is the bank and the student loan company. The student loan was supposed to be differed. They made no attempt to contact me before taking money. After the money was taken, I received a letter stating they were using the " reset ... ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XX/XX/XXXX a false tax return was filed as a joint return in my name and someone elses i followed all procedures for reporting identity theft with all federal and local authorities. There is numerous false delinquent debts listed on all XXXX of my credit reports i did previously contact one of the credit agencies nothing was fixed. In XX/XX/XXXX i received another attempt of id theft allegedly the IRS stopped it the thief was found and convicted yet nothing has been fixed on my credit reports preventing me from loans a house and several jobs. All documents supporting my case are available as public information from the federal case against the convicted individual who stole my identity

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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Several disputed accounts, and companies are not reaching out

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 2015-12-31
Company: Lamont, Hanley & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received Debt collection from XXXX for which I do not owe any money. Called several times indicating that no money is due to them. However, they continue sending notices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: TMX Finance LLC
State: TX
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
Today, I went to pay on a title loan that I got a year ago. The loan was for {$3500.00} and I have paid back approximately {$2600.00} with most going to high interest rates and fees. I still owe {$2000.00}. I was informed that the location that I initially received my loan from was no longer able to " finance '' me because the amount I owe is over the {$1300.00} they were able to loan. I was never given any notice regarding this change when I made my XXXX payment. Also, now I 'm very surprised because according to Title Max 's website they have this disclaimer regarding max lending as {$1300.00}. This has me very confused as to why they continued with my loan and allowing me to make payments knowing their max lending is {$1300.00}. I have paid on time and extra when I am able to so that I can be done with this loan. The customer representative there then informs me that since I still owe over the max allowed for their location, my loan was going to be transferred to another location outside of XXXX XXXX ordinances. The closest to me is in XXXX XXXX and I was informed that their rates are higher and therefore I would now have to pay {$390.00} a month at that location with very little of the payment going towards the principle. At this rate, I will pay more than what the car is worth for this rip off of a loan. The representative then informs me that if I want to keep the loan at the current location I will have to pay the difference of what I owe and their maximum lending amount, roughly {$740.00} plus my XXXX payment. Of course, I am not financially prepared for this because I have the documents for my XXXX payment which I was going to pay {$170.00}. I was offered an extension up to XXXX XXXX because I asked if I could get XXXX. I get paid XXXX a month and therefore I am on a very tight budget. Now I will have to pay additional fees plus the XXXX payment and {$740.00}. Title Max would not accept my XXXX payment because of those " changes. '' I will be in a financial bind because of these unexpected changes that I believe had every right as a consumer to be fully informed before the date of my XXXX payment. I believe these changes are fraudulent considering Title Max was fully aware of their lending policies. I am meeting my end of the contract paying excessive fees and interest rates. Title Max has violated these terms by not fully disclosing their policy and thus violating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Senex Services Corp.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
THERE ARE SEVERAL HOSPITAL BILLS ON MY CRESIT REPORT FROM XXXX SERVICES AND I HAVE CONTACTED THEM ON SEVERAL OCCASIONS, THEY REFUSE TO HELP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Resolve Partners, LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received calls this company called Resolve Partners in XXXX NC I spoke to the male in the office he said so many harsh and unprofessional words to I asked to speck to his manger he said I could If I paid my freaking bill that I owe I tried to explain to him that I do n't owe this and that I applied for XXXX aprtments and I choose the other XXXX he said that I owe this amount and I better pay it. I reached out to my county court house and was told that it was a court hearing that I knew nothing about and that the judge only asked for the possession of the unit back not any money so I called the collection agency back and advised them of what I was told and offered to give them the proof that was given to me they declined and say you better off paying this we are n't going to remove from credit an they will do what they need to do to get this money and continued to call until I asked the attorney at my job to send them a letter and email and he did and they have stopped calling and he also sent them a letter to remove from my credit reports and they have continued to report me to all XXXX credit reports. I have never lived at this apartment complex and never had any utilities in my name there I choose my current apartment location instead and have proof and all my rental payments and utilities listed in my name. This company has given me so much stress and harassment and is ruining my credit. please, please please help me. Thanks in advance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: TMX Finance LLC
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
A year ago XXXX XXXX to be exact I did a loan with titlemax, I borrowed {$5000.00}. I have been paying like clockwork the minimum of XXXX a month and some months a little more. My principal has not moved. I currently owe XXXX a year later, I found out when I went in to make my payment because I had been doing them over the phone that the XXXX had only been interest. I truly could n't believe this because this was not explained to me at the time of the loan. I 'm on a set income XXXX to be exact I have XXXX kids and medical expenses. This really broke me down to know that I 've XXXX near payed almost XXXX dollars and still owe XXXX. I feel I was tricked, I was told all I needed was title and spent a good portion of the day getting the title changed in order to do the loan,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: LendUp Loans LLC
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I got a loan from lend up XXXX dollars till my next payday they would withdraw XXXX and some change but for some reasons I get a call from my back fraud prevention center something about XXXX XXXX and they had ran this 9 times is XXXX dollars. I Thinks company is a scammer or some not legit XXXX And some strange reason they sent me a txt messages regarding this account from this number XXXX thats not happen accounts are discuss I know this company have several financial lending and collecting practices.

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 2016-05-14
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Nordstroms is illegally reporting my account as over 180 days late on an account that was never late. I filled a chapter XXXX bankruptcy and Nordstroms closed my account and would not take anymore payments from me. I called them and they told me they legally could not take a payment from me after filling bankruptcy. My account was never late before the filling and should not be reported as late now. I 've attempted twice to contest this and they fail to act. Nordstroms also reports XXXX different statuses on the XXXX credit reporting agencies. XXXX shows ; open, 180 late, reporting monthly. XXXX shows ; closed, late, not reporting anymore. XXXX is showing ; closed, 180 days late and reporting monthly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: AL
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:
In accordance to fair credit reporting act XXXX  account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation