BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
Company: Aldous & Associates, PLLC
State: UT
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:
Aldous and Associates  is reporting a erroneous debt on my credit file. I never received a call or notice about this debt and it was until i checked my credit that i noticed this debt. I have since called and paid the debt. Like i mentioned i was not notified about this debt and that violates my 30 day right to dispute. I have requested they remove the collections from my credit file as i was not notified about the debt and they refuse. I need these collections removed from my credit file ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Back in XXXX, I had a secured credit card with USAA Federal Savings Bank. There was fraud on the account, which resulted in a new card issuance. USAA charged back too many accounts, which resulted in a disagreement as to debts owed. My secured limit was {$1400.00}, I closed the account and was told I owed {$850.00} dollars. I disputed it several times to no avail. 

In XXXX, I received a XXXX ( Cancellation of Debt ) from USAA for this {$850.00} dollars. USAA reported to the credit bureaus that the {$850.00} was a charge off- in XXXX. 

On my XXXX tax return, I added the XXXX to it, and of course it acted as income, for which I had to pay taxes on. 

In XXXX, XXXX, I disputed this transaction with all XXXX Credit Bureaus, I also submitted a copy of the XXXX, as proof to show that this was no-longer a Charge Off, and that in fact this is basically a Charge Back. USAA credit card department is upholding this as a current debt. 

I tried calling and speaking with USAA, but none of the associates, even their supervisors understand how a XXXX works and believe that the debt is still owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
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: Information belongs to someone else

Complaint:
In XXXX I sent my ID, SS card, utility bill, FTC Report, and a police report to Experian and XXXX to remove several inquiries that were created fraudulently. Both companies removed a few items but failed to follow the law and remove all of them. 

Experian failed to remove : XXXX XXXX - XXXX XXXX failed to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-05-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a XXXX account that is linked to my wells fargo account and pre authorizes payments on its behalf. I began getting emails from wells fargo alerting me that I had insufficient funds in my bank account, so I went on and saw that they had charged me XXXX times with a {$35.00} overdraft fee. I called them and they issued me a partial return of {$50.00} towards my XXXX total of {$210.00}, ultimately not helping my situation one bit. I explained that I am a XXXX and how last week was my XXXX, and that I would address the overdraft fees but that in the meantime I wanted them to please do me the courtesy of not charging me those overdraft fees as I work out my situation with XXXX. The following day I was charged XXXX more with a {$35.00} overdraft fee, and once again called, this time speaking to a man who told me he could n't do anything and that I had to pay the {$300.00} overdraft fee. As I mentioned before, I just XXXX and spent the last year as a XXXX. I have no way of paying this fee, and it 's usury and exploitation on their behalf. I really feel that this type of practice is corrupt and must be looked into because they are taking advantage of me and know I can not pay these fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Please see attached summons as proof of their negligence and storytelling abilities. I thank you for sending a timely response regarding a previous complaint, case number XXXX. I read the Banks response and they are not telling the truth when they responded that I was a third party to this matter and their claim to need more info. Deutsche issued the civil action summons docket # XXXX in person to the executrix. The summons lists me first ( as deceased XXXX XXXX 's heir ) and then XXXX XXXX as executrix XXXX 2015 for this mortgage. If i 'm a third party why am I listed first. XXXX XXXX is the servicer and they seem to be handling the foreclosure. I, along with the executrix sent proof multiple times of her role from the probate court as Executrix in order for them to talk to us. I still have n't been served only the Executrix in person. They give different fax numbers etc. The lawyers have not submitted any paperwork that was requested in our summons response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

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 2022-06-16
Company: EQUIFAX, INC.
State: SC
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:
Report Created on : XX/XX/2022 file Identification Number : # XXXX, provided by XXXX XXXX XXXX. Investigation Results- DELETED : The dispute item ( s ) XXXX XXXX XXXX was removed and deleted from my credit report. 

On said and about date XX/XX/2022, I received an alert from XXXX, detailed XXXX, XXXX  has flagged my account as Collection on XX/XX/2022. 

15 U.S.C 1681 Section 602 A.States 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX sold XXXX coin at inflated rate and didn't allow users to sell or convert their assets by freezing their money ( while the coin was crashing ) over XXXX users were involved in the same issue. They kept our money hostage for over a week now without any explanation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I received the attach letter saying Ill have access to my funds at the end of next month. The letter says to email them if I have any questions. Well Ive emailed them many times and no response. When I go through the website and message PayPal they send me an automated response. This has been going on for almost 6 months now. I cant talk to anyone nor can I get a email or message from a real person. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: WELLS FARGO & COMPANY
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo opened a bank account with my social security number without my knowledge or consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 'm writing to you about dispute the following information that the XXXX XXXX XXXX, AZ. provided to the credit reporting companies. The information is incorrect. I do n't have a tax lien against me. Here is a copy from my credit report showing that I have a tax lien against me, and showing on my credit report. I 'm requesting that they remove from my credit report companies such as TransUnion, XXXX, and others now. I have information supporting my position. My credit score drop more that XXXX points for this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX - I visited a PNC branch in XXXX, VA to close all accounts as they've been unused and dormant. The representative refused to help as she was going on break, but explained I could close the accounts through the PNC Online portal. There is NOT an easy 'button ' for this and they suggest sending an email. I did send the email and requested all accounts be closed ( personal checking and reserve - XXXX balance ). 

XX/XX/XXXX - I receive a statement email from PNC. I contact their Rep via XXXX and demand all accounts be closed, still unused and dormant. THEY HAVE STILL NOT COMPLIED AND THE ACCOUNTS REMAIN OPEN. 

Now - I NEED ALL ACCOUNTS CLOSED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am disputing the credit information being reported on my credit record by : WELLS FARGO DLR SVC/ almost {$5000.00} CHARGE-OFFXXXX XXXX BUREAU XXXX, XXXX are reporting this as an involuntary repossession on XXXX 2015. 
We requested a voluntary surrender of the vehicle as we had a job layoff that affected our monthly income, but they did not provide us with information to do so. They claimed to have sent us the information, but we did not receive it even after repeated attempts and multiple conversations via phone with multiple departments and persons. They finally sent us paperwork and had the vehicle picked up for months later and then reported it as an involuntary repossession instead of a voluntary surrender and undersold the vehicle for less than its current value. 
We had to spend extensive time chasing them down for a voluntary surrender, had to store the vehicle until they sold it, maintain insurance coverage and vehicle tags for four months, and am now suffering defamation of character ( involuntary repossession is totally different than voluntary surrender ). Being a middle-aged, XXXX female, I resent having to call to attention false statements and unethical practices that border the grey edges of legal practices such as this that insult my intellectual abilities, defame my character, and threaten my ability to attempt to reenter the workplace, obtain housing, and/or improve my credit status to better myself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and 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 2018-11-06
Company: Freedom Mortgage Company
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My property taxes were not paid and I received a tax delinquency notice from the Municipality of XXXX which assessed additional penalties and fees. I contacted my mortgage company who paid the taxes in full on XX/XX/2018 in the total amount due for the year {$1800.00}. I requested an escrow statement and received the same. I noticed that on XX/XX/2018 a tax payment of {$1200.00} was deducted from my escrow account. I spoke to my mortgage company who stated that the payment was made to Municipality of XXXX. I contacted the Municipality who stated they did not receive the payment and have no record of the check. I requested that Freedom Mortgage, my mortgage company send me a copy of the check to take to the Municipality so they can research. I was told a copy of the check would be sent to me via email by XX/XX/2018 and I also requested a copy be mailed to me. I have not received either as of today and when I contact my mortgage company, they keep stating that the check was sent to the Municipality of XXXX, but will not provide a copy. {$1200.00} is missing from my escrow account and my mortgage company will not give me a copy of the check or an explanation of where the money was sent. As of XX/XX/2018 I received a notice from Freedom Mortgage that I have an 'escrow ' shortage and they increased my payment by {$46.00} monthly to make up the shortage. I should not have an escrow shortage and want the {$1200.00} put back in my escrow account or returned to me.

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 2016-09-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/2015 my account was upgraded from a basic account to a premium account with a $ XXXX/month fee associated with it. The account is only used to pay off my Chase credit card and Chase auto loan and basically nothing else ( please see attached documents - there are deposits, a couple of checks and automated credit card payments/auto loan payments - nothing else ). Thus the account change occurred for XXXX of XXXX reasons : ( 1 ) The bank made a mistake and changed my account to the wrong type. 
( 2 ) I was not given full information about the fee structure of the account my account was moved into or I was intentionally mislead. 
( 3 ) Chase changed my account type without my permission. 

I am attempting to recover the {$450.00} in fees that were charged to my account, but believe that Chase is likely systematically moving their clients into accounts that are not in the clients ' best financial interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-06
Company: The Receivable Management Services LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I checked my credit and saw another account from Receivable Management Services LLC for XXXX XXXX. I actually paid this debt last year and this should not be reporting.

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 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed the debt with all three credit reporting bureaus. My request was to verify and validate or delete. Transunion is reporting the debt as verified and accurate while XXXX  was not able to verify or validate the debt and has informed me that the debt will be deleted. 

I would like for Transunion to provide proof of verification and validation or delete the debt if neither can be provided just as 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 2021-08-28
Company: Paradigm Assets, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt collector is trying to collect {$1100.00} for an account that was {$500.00} max. The debt is too old to be on my account and they originally agreed to remove the debt. Now they changed the date on the account and are trying to collect more money but you cant even reach these people on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX, Regulatory Case Number : XXXX you sent 138 pages 128 that i already rec 'd can you identify which pages do you consider the response for which questions you see you combine several Notice of Errors and QWR in one response im glad you admit, " we understand that it may be difficult to reconcile these documents '' then why dont you make it easier for the mortgages you SERVICE?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i ave many inquiries n my reports all 3 that i do not recognize and want them removed, but the Bureaus refuse to remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: FIRST PORTFOLIO SERVICING INC
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Peaks loan company was giving out fraudulent loans for XXXX XXXX. 
Now all loans are being forgiven because of the fraudulent practices of Peaks loan scam. 
Huge amount of people defaulted on these loans, I was paying them off over XXXX . 
I asked for a refund because fraudulent school loans are suppose to be paid back. 

They refused to send my refund and sent me a link to contact you. 
How do I get the over XXXX $ they stole from me 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 2022-06-16
Company: EQUIFAX, INC.
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:
On XX/XX/XXXX, XXXX XXXX XXXXXXXX added a derogatory mark on my credit report per Equifax. I never in my life had an account with XXXX  In XXXX, I was a victim of identity theft, I contacted Equifax and they removed the account back in XXXX. The Debtors creditor did not verify this collection, Also, there was NO WRITTEN form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately. 


Please terminate collection efforts, and remove and notify all credit bureaus such as XXXX, Equifax, and XXXX to delete the account immediately for inaccurate reporting and failure to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
A merchant opened an account under wells fargo retail services when he mentioned that a bed was a trial basis and nothing would be charged unless i decided to keep the bed. He then ensured that the bed would be picked up and nothing would be charged. I monitered wells fargo and there was in fact an account opened and charged with XXXX. When disputing with wells fargo they took a long time just to tell me 2 days before the 90 day trial that i had to send the bed back if i wanted a refund. The issue is why did they open an account without my consent? Wells Fargo said I signed i said no they told me that was just to see if i qualified. i feel robbed. Now I have to pay for something that is not even woth XXXX dollars. I have never dealt with such type of business or bank.

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 2022-03-15
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient calls me over 10 times per day, before XXXX & after XXXX. They use approximately 5 different telephone numbers.

Company response to consumer: Closed with explanation