BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I feel I was illegally maneuvered by Wells Fargo Bank back in XXXX of 2007 into aSmartFit Home Equity Account Agreement when I went to them for a home equityloan to pay off credit card debt which I had. I only needed around $ XXXX loan topay off these bills and have a new roof put onto my house. But, I was directed into a " Smart Fit '' Home Equity line of credit of {$170000.00}. And, since my savings and checking accounts were with Wells Fargo, they set it up on an automatic payment system to hide, in my opinion, how much my monthly payment was that they were taking out. And, because they set it up for interest only payments, I have been making payments since XX/XX/2007 and have not seen any decrease in my loan amount. Since they made it so easy to access this account, I have used up the entire {$170000.00} amount that they initially set up ( Wells Fargo, I feel, knew this would happen ). This type of loan practice, I feel, should be illegal! Officials at Wells Fargo know, I feel through past customer history, that giving customers more loan amount than they want, they will use up the amount given them and put them in financial trouble, possibly causing foreclosure on their property. 

I am sure that they have many other clients with the SmartFit Home Equity Line of Credit in the same dire circumstances as myself! The name Wells Fargo came up with for this loan, SmartFit, intentionally deceives the borrower into thinking that they are getting a Smart loan with no principal payment due for the first XXXX years! 

Best time to call : Anytime on my cell phone at XXXXXXXXSincerely, XXXX XXXX XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: KY
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 was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2021-07-08
Company: Penn Credit Corporation
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 and XX/XX/2021 I was notified by XXXX  that the debtor Penn credit reported a debt of {$1000.00}. I contacted Penn credit on XX/XX/2021 to dispute the debt and explained that the debt was not valid as I never lived at the address of XXXX XXXX XXXX XXXX XXXX, AZ XXXX. Penn credit stated the debt was created XX/XX/2021 for the original creditor ( XXXX XXXX XXXX ) I and was sent to them on XX/XX/2021 I explained that I never lived at this address and was asked to provide documentation. On XX/XX/2021 I emailed Penn credits compliance department with my lease showing where I resided at as of XX/XX/2021 and also let them know I just recently moved into a new residence ( XXXX XXXX XXXX XXXX XXXX XXXX az XXXX ) as of XX/XX/2021 and if needed I could provide that lease as well. I never heard back from Penn credit but was again contacted by XXXX  to let me no my dispute was closed and was found to be valid. I have never resided at this address nor did I create a bill using utilities for this address or give anyone permission to use my information in attempt to obtain Or turn utilities on in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Convergent Resources, Inc.
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 is not mine

Complaint:
On XXXX XXXX, 2015, I received an alert from a credit monitoring service that I subscribe to that I had an open collection with Convergence Outsourcing Inc. for the amount of {$290.00}. I immediately contacted Convergent and spoke with XXXX XXXX, who informed me that XXXX had sent this account to collections. He stated that I had cable services at XXXX XXXX XXXX XXXX, XXXX, IL. I explained that I have never lived at that address, nor did I ever have services. I explained that I have never received any correspondence notifying me of any debt and this is not my account. I 'm in the process of purchasing a home and ( this account that does not belong to me ) could possibly ruin my chances of becoming a home owner. 
I then called XXXX at XXXX and spoke with XXXX. I provided her with my address and she stated that there was no record in the system. I then provided her with my social security number and she again confirmed that there was nothing in the system except for my name, I asked her how does one get services she said through social security number, she too said that this was very odd. My question is how did this credit collection agency get access to my credit file and destroy it if there is not an account in XXXX system belonging to me? 

Convergent has destroyed my credit, my score plummet XXXX points, and I 'm in danger of losing everything that I have worked so hard for to purchase my first home. My credit file was in great standing. I have no knowledge of this account. I need this account to be removed immediately. This company is using deceptive practices and ruining my credit score and credit file. 
I 'm literally XXXX days away from purchasing my first home, and this negative mark on my credit may have destroyed my dream, thanks to this fraudulent company and their disregard for FCRA. 

I just want this information removed. I have worked to hard to maintain my good credit for this collection agency to take it from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: VA
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:
XXXX consumer refusal to remove loan or take decision responsibility for despite AGO judgement order with conflicting and false statements with each inquiry or complaint for removal assistance. 

Please see official statement and documentation send to the AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021, I ( XXXX XXXX XXXX ) received a email from XXXX XXXX from email XXXX about a property ( XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ) I asked for more information about and interested in renting that was listed on XXXX. 
XXXX advised me that the property was still available and sent me an application to fill out, and also advised me that {$1000.00} security deposit and the rent will be {$1000.00} a month. 
On XX/XX/XXXX I drove by the house at XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX to look at and when I was there looking at it was vacant with no signs of anyone living there. 
So, I filled out the application and email the application to XXXX. He then email me back and said I was approve and If I can the security deposit of {$1000.00} and first month rent of {$1000.00} and last month of the amount of $ XXXX.He gave me a XXXX email of XXXX who he said was his lawyer ( XXXX XXXX XXXX ) and property manager. 
I sent him the security deposit of {$1000.00} on XX/XX/2021 from my XXXX account with Bank of America and the first month payment of {$1000.00} on XX/XX/2021 from my same XXXX account then I went to send the last payment of {$1000.00} from my XXXX account and it didnt go thru and I advised XXXX that XXXX will not let me send the money so he gave me XXXX XXXX tag name of $ XXXX ) info of XXXX XXXX XXXX to send it. So, I sent the last payment of {$1000.00} thru XXXX XXXX to him. 
XXXX confirmed all three payments and advised me that I can meet him at the house on XX/XX/XXXX to pick the keys. 
Later that day XXXX email me asking if I can Pay another {$500.00} to pay for his lawyer airfare, I advised me can not pay that right now and he email me back asking if I can at least {$300.00} and I advised no I cant and I didnt hear back from him after that. 
On XX/XX/2021, I drove the by the house ( XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ) I notice that someone was moving in and was living in the house, The next day a emailed XXXX and XXXX and asked for my money back and to cancel my rent agreement, because I believe I was scam. He responded back he will refund the money a couple days went by, and no refund and I email both again and response back. So filed a dispute with the bank and XXXX XXXX and still waiting for them to finish their investigations. 
The bank and XXXX XXXX refuse to credit back my account the money. Even after I told them that I was scam and someone commit fraud and I filled a Police report and a report with the FTC and after I tried to connect the third party and they will not response back. I don't think they care about their customers.

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 2021-07-08
Company: EQUIFAX, INC.
State: TN
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 sent documents to prove that I either paid the debts off and sent them letters that the collection agency would have the accounts removed form my credit files in 30 days but they have not updated my file. 
I am attaching letters and bank statement showing that I have done everything to improve my credit by paying off collections accounts and paying off my charge off. 
However the credit agency is reporting the debt was filed in chapter XXXX and that's not the case. 
I have paid off all theses companies XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX and they reporting the wrong pay off amount! Please see letter and my bank statement with what they debit my account for. 

Plus I have dispute a number of hard inquires that I never authorized but no follow up on any of them wish I did before the Cov19. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX purchasing a puppy on XXXX. Breeder wanted payment by XXXX on Chase app. Before I made pymt I called my bank, CHASE, to make sure their fraud protection would cover. 
TELEPHONE CONVERSATION WITH CHASE WAS RECORDED. 
CHASE CUSTOMER SERVICE REPRESENTATIVE. 
I explained I was buying a puppy on XXXX  with XXXX. She said I was absolutely covered if it was a scam or fraud. To VERIFY I stated again to be sure she understood, and CHASES CUSTOMER SERVICE " ASSURED '' me I was protected. 
I NEVER WOULD HAVE PAID THRU XXXX IF CHASES CUSTOMER SERVICE REPRESENTATIVE HAD NOT " ASSURED '' ME CHASE WOULD PROTECT FROM FRAUD AND SCAM. 
IT WAS A SCAM AND FRAUD. 
NOW CHASE WILL NOT COVER. 
TELEPHONE CONVERSATION RECORDED ... .... 
TOTAL {$890.00} ... 1. {$540.00} 2. XXXX CHASE NEEDS TO OWN RESPONSIBILITY FOR THEIR POORLY TRAINED CUSTOMER SERVICE REPRESENTATIVE THAT COST ME MONEY. 
CHASE NEEDS TO BE HELD RESPONSIBLE, AND OBLIGATED TO REIMBURSE ME {$890.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Penn Credit Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a notice in the mail from PennCredit corporation stating that I owe them {$650.00}. 

They stated that the original debt was from the department of motor vehicles but they would not tell me which DMV or state. I explained to the collector that I have lived in XXXX since XX/XX/XXXX and I have no bills. 

I applied for a mortgage in XX/XX/XXXX for a rental property there was nothing in my credit report. 
I applied for a home mortgage in XX/XX/XXXX. My credit report was clear. I have purchased at least XXXX vehicles since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
My name is XXXX XXXX. XXXX XXXX, XXXX I made a Cash Deposit ( CD ). There was no activity regarding the account. I never got notified about it. On XXXX XXXX, XXXX I went into Wells Fargo to claim my CD and obtain any information about it. Wells Fargo told me I had to wait ten days to hear from them. They called me and told me that the bank is still waiting. I called them and spoke with XXXX who told me to call the Wells Fargo claim department. So, I called and they told me to go to the branch where I deposited the money. When I arrived, they told me that they can not find any record anymore and the account was closed on XXXX XXXX. However, I never closed the account and was looking for my money. I was referred to the unclaimed properties of Wells Fargo. I called them and they told me they do not have it. I asked them how do I proceed. I was then directed to the State Controller. I called the number and they told me to ask for a letter of proof of deliverance from the bank. The bank gave me the letter and I faxed/emailed it on Friday, XXXX XXXX. Today is Tuesday, XXXX XXXX. I received an email from the state controller saying that they never had it. I printed it out and took it to the bank. I talked to an executive banker who told me that he could not find the account and could only find my social security number. They told me there was nothing they could do. 

I am a XXXX year old woman. I placed my money into the bank hoping to make some money over the years through the interest. I never received any notices from anyone about my cash deposit. I 've lived in the same place. The have my address. I do n't know where my money went, but I hope and pray that this can be solved. Ive been given the run around. I 've contacted many different departments in the hope that my issue will be resolved.

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 2021-07-08
Company: Social Finance, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a credit account with XXXX on XX/XX/21 with a promotion they were running in which they were offering XXXX points to customers that open an account between XX/XX/21 to XX/XX/21 and made their first purchase before XX/XX/21. I made my first purchase on XX/XX/21. When the XXXX  days which is when they said it will be posted to my account was coming I called their customer service on the status of those points on XX/XX/21. The rep I spoke said she has created a ticket to look into this and it will be a week before I will know the status. I called back on XX/XX/21 and was told there was no mention of this ticket in my account and she would submit one that day and that I should call back on Friday to check the status. I called back on Friday and was put on hold for like half an hour before I was sort of pushed away from the call by the rep saying I should see the points coming soon. I decided I would give them by today to see if they could give me any progress on this ticket that they say they made to resolve this. So I called today XX/XX/21 and straight up was told the ticket was send to the wrong department and that she will create a new ticket and send it to the right department this time. She gave me a ticket number this time which is XXXX. I have lost hope and pray that the CFPB can help on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I have requested to have the credit bureaus remove fraudulent/inaccurate information from my credit report. I sent all bureaus letters stating that the accounts listed did not belong to me in XXXX, I also sent a follow up letter requesting them to update my report with accurate information and to respond back to my request.It has been past 30 days and I still don't have an resolution.

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 2017-02-24
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I graduated college in XX/XX/XXXX. Through the past years I had trouble paying my monthly payments for the loans. I did deferments and forebearances throughout the years while I went to XXXX in the XXXX. I graduated in XX/XX/XXXX. I am not a XXXX though now. .My student Loan provider was XXXX and then changed to Navient. Since XX/XX/XXXX, I have made payments every month with a couple of late ones but always paid the amount owed. I have made a total payments of around XXXX dollars but yet my principal balance has not gone down at all. I do n't understand how this can be. I do n't know why some of my payments are not going toward the principal balance. All I have been doing is paying interest or something. I heard there is some lawsuit. Do I get to be a part of that or how do I join that lawsuit against this company? Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Have been dealing with XXXX about XXXX 30 day late marks on my credit reports for months. It all started because their system would n't allow me to pay online and the representative would not take a payment over the phone either. Even talked to the executive office VP and he has n't helped one bit. He told me he would tackle it one task at a time. Even called to tell me I can pay online because it has been fixed. Well I go to make my payment this month and it 's still not correct. I sent them a certified letter back when this all started and they sent me a generic form letter saying the information is correct but failed to mark my credit report disputed to this day so by law they should have fixed what is needed for violation that time frame.

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 2017-03-01
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been with wellsfargo for over 6 yrs. I have notice and call about my account as well as going into the bank about my checking account. Every month it seems like money is missing .and my online account changes daily.Even when I 'm not using my card or taking out my from account. when I question them about this, they say its not them. Its me. I do know how to kept on with my accounts.I had banks account for over 40 yrs. Also I have notice that wells fargo checks my credit without permission .For 1 loan they ran it 3 times in 10 days.I have contact them about this as well and I get told that they r investigating it. and I would hear from them on XX/XX/XXXX. Instead a receive a letter telling me that its going to take more time. Three times as changed the dates on this problem. I believe that I have at account that I 'm not aware of. Befor I use my card, I check balance to be sure.and they could be a wk between uses the card, yet when i go back on my account the amount is different with no charges pending.

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 2016-12-18
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX inquires on my credit report that does belong to me XXXX from XXXX XXXX XXXX from XXXX XXXX and XXXX from XXXX I have letters from XXXX XXXX and XXXX XXXX to remove the inquires and XXXX said they sent letter to bureaus over the phone to remove over 60 days ago XXXX acts like nothing has been sent even though my self have uploaded the documents and faxed them over. Need these removed for XXXX and Experian Which has the XXXX XXXX and a XXXX which like XXXX said they sent over to credit bureaus over 60 days ago.

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 2021-07-09
Company: Kentucky Higher Education Assistance Authority
State: NY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation