BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, an XXXX on XXXX, XXXX, messaged me saying her client wanted a portrait of me for {$2000.00}, and I would get 30 % of the money. She told me her client would email me the check, and I would have to deposit it and then transfer the rest of the money through XXXX. When I asked her why I had to transfer the money and deposit the check, she said it was because " my XXXX account isn't working. '' On XX/XX/XXXX, I received a check by email from XXXX XXXX ( the client ) for {$1800.00}. Once I deposited the check in my account, I thought the money in my account was secured, so I transferred {$1200.00} to a lady called XXXX XXXX, supposedly XXXX 's friend. A few hours later, she messaged me saying her client wanted to have another portrait of me for {$1000.00}. I proceeded to tell her I only wanted one painting done because transferring the money was too complicated. The next day I got an email from my bank saying the check was returned. I messaged XXXX but got no reply, and she deleted her account. She clearly knew what she was doing by taking advantage of my trust and manipulating me into sending her the money. When I checked my account, I had only {$110.00} left in my account, and I couldn't breathe. I didn't understand how my account balance went from {$2600.00} to {$110.00} within a couple of days. On XX/XX/XXXX, I immediately called the bank and was able to talk to a lady at Wells Fargo. I explained to her everything that happened, and she filed a claim to the Wells Fargo XXXX department and told me they would be investigating and asking me more questions within five business days. I also do not know if I can get any of my money back, and it terrifies me. Not only was I a victim of fraud I was also charged {$15.00} for a purchase I never made, so they had to cancel my account, and I am waiting to receive a new debit card. On XX/XX/XXXX, I went to the police station to try and file a claim that I was a victim of fraud however, the police officer told me, " since the fraud happened online, we can't do much about it, so you need to report to the FBI, and I am sorry this happened to you, but you are not alone. ''

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 2018-07-03
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm demanding that the following accounts be blocked from my credit report inwhich the credit agencies are fraudulently reporting un- verified accounts. The accounts are as following, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( {$56.00}, {$56.00} {$56.00} )

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 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX/XXXX XXXX and 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 2022-09-04
Company: NATIONWIDE MORTGAGE BANKERS, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX XXXX and Im very unsatisfied with the service that I received from Nationwide Mortgage Banker Inc. I just finally closed on my refi after 7 months of going back and forth and even after it was not the deal that was originally agreed upon. 
In the end, I felt as if I had no choice but to close with this company rather than start this entire process again with another. During this rigmarole with the company, my credit took a toll due to incorrect statements that were told to me by the company. I was told by your company that I did not have to pay my credit cards and that the company would pay off the bills when we closed. This turned out to be false, which resulted in my credit card bills being extremely late which negatively affected my credit. I am extremely disappointed with the candor of this staff and the company as a whole. 
I just received a notice in the mail that I will now be staying with my old mortgage company. I received no heads up before this, just a letter. I would not recommend this company to anyone else as the unprofessionalism and stress I experienced here shouldnt be felt by another person. 

Signed a very unhappy customer

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX I was charged the full balance of my credit card ( I never agreed to those terms ) and that upended my checking account. I received a refund and have made all payments on time since then. The account has been paid off multiple times. Last month I was shocked to see that I had far exceeded my credit card limit and called to find out what the problem was. I was told the charges on my credit card were repayment for XXXX of this year when I had believed that to be settled and finalized.

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 2022-03-08
Company: WELLS FARGO & COMPANY
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
requested a line of credit for my bussiness that has been in operation for 4 years subsequent to being misinformed for years that i could not establish 1 prior to this i asked would this involve my personal credit i was informed it would not be which was not the truth i was in the process of purchasing a home my credit had just been adequate enough for a home loan a major set back

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 2022-03-08
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit reports say I was late for a payment on my account in XX/XX/ 2020 which is incorrect and the credit company says I was current. This is affecting my score and my ability to qualify for new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a XXXX XXXX XXXX Certified preowned XX/XX/XXXX After putting {$20000.00} down on the truck and {$24000.00} on XX/XX/XXXX of the same year, there have been some discrepancies oh my statements and no way to get a clear answer from XXXX XXXX licensed to XXXX XXXX by XXXX, now all of a sudden i have to send XXXX XXXX more than what should be sent according to the the Statement, I never got my Veteran discount that was promised to of {$500.00}, That finance deal does not calculate right, Plesse help me CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: EQUIFAX, INC.
State: MO
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 no knowledge of the following inquiries inwhich keep being reported on my credit report by the credit agencies inwhich has not given me any substantial documentation of such doing. I'm very aware of what an inquire is and how they get there inwhich seems to be the only response from the credit agencies. The knowledge of what an inquiry is. My next step is to file suit against the 3 credit report agencies for harassment if the following inquiries remain without physical verification. I'm requesting the following to be blocked from my credit report, XXXX ( XX/XX/XXXX), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX   ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX   XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On Friday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of XXXX XXXX XXXX. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in eligible payments. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart.

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 2017-06-27
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Profit Services Group reported a false debt to the credit reporting agencies in an attempt to collect a false debt in the amount of {$1900.00}. This false actions is continuously reporting on my reports as negative and making my life horrible. I have made several attempts to contact the reporting agencies to remove the debt. Every letter was demanding for validation within 30 days or the debt must be removed. After receiving no response, I mailed a certified letter to the collection agency directly and still received no response. These actions have been over the course of 3 months, which gave them ample enough time to valid or remove the debt. I have never received a letter or anything from them regarding this assumed debt.

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 2017-06-27
Company: Experian Information Solutions Inc.
State: IL
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:
I have been trying to resolve this get issue with XXXX XXXX on behalf of XXXX and XXXX XXXX XXXX on behalf of XXXX XXXX XXXX ; I have disputed these accounts as not mine because they are not these accounts were opened in XXXX 2 years ago I under the age of XXXX meaning " LEGALLY UNABLE TO OBTAIN CREDIT '' these are not my accounts and would like them removed from my all of my credit files immediately. Please be advised this is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX of XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and Experian with no success. They have refused to update information. Accounts to be removed : XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX. Will submit ID documents my current state issued ID, birth certificate, high school and college transcripts to support age claim. I do not know who opened these accounts but they are not mine and I would like them deleted.

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 2017-06-21
Company: Worldwide Processing Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A woman named XXXX is calling all of my family members saying that I owe a debt. I do not have any outstanding debts. When I called back the message says they are from FMR. The number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2021 I went to a no fee XXXX XXXX XXXX  ATM Machine '' which is also a XXXX XXXX XXXX ATM, which doesn't charge fees by using a bank card, but my bank First Citizens Bank decided to wait until XX/XX/2021 to charge me {$2.00} for using an out of network ATM, but the ATM I used doesnt charge fees, so by federal law a bank nor credit union can either! Plus, First Citizens Bank charged me {$17.00} something they aren't showing on my bank statement same day of XX/XX/2021 is when I paid {$39.00} to XXXX XXXX XXXX whom messed up my debit card so I couldn't get my XXXX Benefits in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: BBVA FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
i HAVE FILED WITH FTC, I HAVE WRITTEN CREDIT BUREAUS AND CREDITOR

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have been trying to resolve this get issue with XXXX XXXX on behalf of XXXX and XXXX XXXX XXXX on behalf of XXXX XXXX XXXX ; I have disputed these accounts as not mine because they are not these accounts were opened in XXXX 2 years ago I under the age of XXXX meaning " LEGALLY UNABLE TO OBTAIN CREDIT '' these are not my accounts and would like them removed from my all of my credit files immediately. Please be advised this is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX of XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Transunion, XXXX and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX. Will submit ID documents my current state issued ID, birth certificate, high school and college transcripts to support age claim. I do not know who opened these accounts but they are not mine and I would like them deleted.

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 2017-06-27
Company: CITIBANK, N.A.
State: IL
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:
I have been trying to resolve this get issue with XXXX XXXX on behalf of XXXX and XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX I have disputed these accounts as not mine because they are not these accounts were opened in XXXX 2 years ago I under the age of XXXX meaning " LEGALLY UNABLE TO OBTAIN CREDIT '' these are not my accounts and would like them removed from my all of my credit files immediately. Please be advised this is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX of XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX. Will submit ID documents my current state issued ID, birth certificate, high school and college transcripts to support age claim. I do not know who opened these accounts but they are not mine and I would like them deleted.

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