BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-16
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
This old Wells Fargo Bank account is causing me irreparable financial harm. I was issued a XXXX Cancellation of Debt years 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 explanation
Consumer complaint received 2019-12-06
Company: AmerAssist A/R Solutions, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This collection company which I have No Contract with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA/FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
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 with the fair credit reporting act. My accounts ( apart from XXXXXXXX XXXX  ) have violated my federally protected consumer rights to privacy and confidentiality under

15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shale not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurat
e.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Please help me. 
I do n't want to lose my home. I bought a house in XXXX 2015. The lender adjusted the insurance premiums to a low amount so i can qualify for the loan according to my debt to income ratio. Five months later they bought a higher premium insurance policy and I end up paying XXXX usd more monthly and its out of my budget. They intentionally did this to make me default my mortgage loan and foreclose. 
My phone number is XXXX The lender is wells fargo The address is XXXX XXXX XXXX fl XXXX Sent from my iPhone

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 2015-11-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had been approved by Welles Fargo bank mortgage company through the Builder last year to be placed on the list to purchase a home. I did sign contract with the builder on XXXX, 2015. Welles Fargo did recheck my credit report. I did lock my rate ( XXXX for 30 years based on my credit score of XXXX ) with Welles Fargo on XX/XX/XXXX for a move in date on XX/XX/XXXX. I did also provide my Credit card For appraisal which was done. Suddenly Welles Fargo did change their mind and do n't wants to fund the loan based on what they claim a negative point on my credit dated back to XXXX by doing so I lost my good rate since interest rate has been on the rise and I am on the risk to not purchase the home.I contacted other lender who are welling to loan the home but the rate has raised since Welles Fargo changed their decision on the last minutes

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian continues to report a XXXX account and XXXX account that are not mine on my report. I have contacted them multiple times to verify these accounts and they have failed per FCRA, including my request for a method of validation. 
Yesterday, I filed a police report with the XXXX Sheriff Department ( Case # XXXX ). I am requesting that these items be removed. 

Additionally, the only inquiry I have requested is from XXXX. Inquiries from XXXX, XXXX and XXXX are fraudulent and included in my report. I granted no permissible purpose and dispute the bureaus answer of it being a factual record of file access. 
I am requesting that these 3 entries be removed.

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 2015-06-24
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a XXXX % XXXX Veteran and I am exempt from XXXX and medical bills, and the credit reporting agencies have XXXX and medical bills on my report that they will NOT remove. # XXXX complaint is being ignored, I contacted them 4 times via mail and online, and they always have excuse not to remove the inaccurate, obsolete and noncollectable information from my credit report. Same for # XXXX, and # XXXX-Experian. I sent them a as follows : 1. Copy of my FTC Fraud package, 2. Military I.D., 3. My driver 's License, 4. My Social Security Card, 5. Copy of my current apt . lease, 6. My letter of registration from XXXX Idaho car for Plates and title, 7. My social security card. 8. Copy of my XXXX ( military pay stub ). And they still say they need more Identification or that they contacted the creditors and the debt is valid, even though I am exempt from the debts on my report because I am a XXXX % XXXX Veteran. They are using delay tactics and son, please assist me. I have XXXX plus pages of information I sent them, I will try to upload them on this site if not I will send vial mail with the reference number I get at end of this complaint, plus the credit reporting agencies have the copies as well. I give you permission to have them send to you for this investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-11-23
Company: Early Warning Services, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern, I, XXXX XXXX am writing you today as an aggrieved man. My wallet was stolen in 2009 and my identity has been fraudulently used since. Several fraudulent accounts were opened in my name without my knowledge and or consent. 
Recently I tried to open a bank account and was denied because of EARLY WARNING SYSTEMS reporting there is a balance owed to XXXX XXXX BANK. 
However, these are not my accounts, and they are fraudulent. I, XXXX XXXX have never held a bank account with XXXX XXXX. XXXX XXXX investigated and found those fraudulent accounts do not belong to XXXX XXXX. I have attached the letter from XXXX XXXX XXXX XXXX for your review. 
I demand fraudulent XXXX XXXX accounts be removed from my consumer report poste haste. I hope EARLY WARNING SYSTEMS acts in good faith and removes these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 wire from friends XXXX XXXX XXXX  EDD of XXXX XXXX. 
US Bank accepted the transfer and then closed her account for Fraud Investigation which was negative and said they would return the money.

Could take up to 6 months even though EDD money was for hardship death of Mom. After many attempts to Branch and many letters was told 6 months up in in XXXX Went to branch in XXXX and was told that they could take as long as they want

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 2015-10-02
Company: Windham Professionals, Inc.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have suffered at the hands of this collection agency, and have already reported them to the CFPB for malicious prosecution. Please see complaint Case number : XXXX 

Today I received my XXXX credit profile only to find their derogatory tradeline displayed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: OR
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:
Investigation from XXXX XXXX  resulted in the deletions of multiple unauthorized inquiries ( referenced in picture attached ). Letters sent via mail ( most recent attached ) requesting the deletion for unauthorized inquiries receiving no response, from the bureau. Another request to investigate on the same matter sent XXXX so far has also gone without response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today I received a phone call from XXXXXXXX XXXX XXXX XXXX on behalf of USAA concerning my brother who passed away last month. 
Allegedly, my brother opened up a USAA Visa Credit Card over four years ago. There is an outstanding balance of nearly {$2000.00}. They even provided the last four of a XXXX credit card account number. 
I asked that official documentation be mailed to my home address. Which they will do. This is the agent I spoke to ( please publish ) : XXXX XXXXame : XXXX XXXX Phone : ( XXXX ) XXXX XXXX I contacted USAA who cant confirm if my brother even opened up a credit card account. I didnt co-sign on his account nor is he associated with my own account in any way. I only have debit cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
All inquiries on my experian & XXXX report dating back from XXXX 2015 till present day I did not initiate nor have any knowledge of. I have disputed the items in question several times online & in writing & have gotten no where. They refuse to remove these bogus inquiries & they are affecting my credit score in a negative way. I have also asked fot proof & have received no response!

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 2017-03-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited two checks from large corporations that I have deposited from previously. Wells Fargo put a hold on the checks the next morning saying they would not go into my account for a minimum of at least a week. When I called the bank to see what happened Wells Fargo said it could be longer than a week before I would get my money. Wells Fargo said they were n't sure what was wrong. I never sign the backs of my checks when I deposit in the ATM but Wells claimed that was the problem. Then Wells claimed the 2 entities that wrote the checks did n't have the money in their accounts to cover the checks. Later an extremely rude branch manager told me I was over drawn ( I was not ), and that was the reason the deposited checks were being held. Everyone I asked gave me a different excuse but no one was willing to help me get to the bottom of the problem. I was finally told by Loss Prevention that I needed to get verification letters from the banks that wrote the checks. I did this and Wells called to verify one check, which was then funded into my account. The other check had been canceled by the company that wrote it. The following Monday Wells debited my account for the canceled check. I called to tell them they could n't debit my account for the canceled check because it was never funded into my account. It had been held and never funded. The customer service person told me " it was never held. It was funded into my account the day I deposited it. Just look at my account online. '' They had manipulated my account and removed any evidence of the hold and made it look as though they had funded both checks into my account the very day I had deposited them!! I still have emails and a letter that was snail mailed to me for proof of the hold.

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 2016-05-23
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Had a storm hit my home, with tree falling on home, wind, hail damage to home, vehicles, pool, hotub. XXXX XXXX XXXX XXXX took almost 2 months to write check which is around XXXX in total. While waiting for insurance company, I had to start repairs, hire contractors, pay contractors, and also did a lot of work myself, since I use to be a contractor and built homes. I paid for work, supplies, and contractors myself, out of pocket, and currently have paid XXXX, somewhere around XXXX in repairs out of my pocket. I received a check to me and Franklin American mortgage. I contact them about endorsing the check, so I can continue to have my worked on, and get it finished. I was told NO. They will keep all funds, and release money to contractors they approve. And any money I am out of pocket, is just my loss, because I 'm no longer a licensed contractor, and let my license expire in 2007 when I was sent to XXXX and did not renew it, and decided to not build anymore and became a full time XXXX. I was told money paid to contractors already, was not approved XXXX, and would not be paid back to me. And any contractor working on my home now, will not get paid unless they submit a stack of forms required. And I was forced to pay out of pocket for work done to that point, and contractors said they will no longer work on my home, because they have had to deal with Franklin mortgage before, and it took weeks or even months to get paid, because they always found a reason to delay payment. And the contractors refused to wait for XXXX, and said I was responsible for payment immediately upon completion, or they would not agree to do work. So XXXX refuses to endorse check, or pay money paid by me already. They are going to hold all funds and release it only when they agree too

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Nelnet, Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Nelnet is still reporting student loans that were transferred to XXXX on my XXXX credit report. I disputed with XXXX and they say Nelnet says it is valid. Which I have emails that prove otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed and the XXXX sent letter to CitiCard for explanation. The document show " Offer type '' XXXX, XXXX, however both Citicard and XXXX still charged me {$57.00}. Here is the problem : -- -- -- -- -- -- -- -- -- XXXX azure advertise " free Text to speech if open account with them '' or {$200.00} credit. I opened an account and testing on XXXX " Text to speech app ''.. However, they charged me to total $ XXXX {$21.00}. As soon as I realized the first {$35.00} charged on XXXX XX/XX/2022 I cancelled the account and disputed. The dispute is unsuccessful ; my Citibank credit card still accept the cost. XXXX XXXX continued the second charge {$21.00} on XXXX XX/XX/2022. I believe it is unfair and misleading adv. Please investigate to protect other consumers from XXXX XXXX at XXXX XXXX XXXX, specifically for their misleading advs such as XXXX Acounts and XXXX other services free always ....

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 2016-09-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have had multiple inquiries in recent days about my bank account ( seeking login info ) and XXXX-XXXX credit card issuing inquiries. All were fraudulent. Experian credit bureau is working on this with me. In looking at the Experian credit report I found several addresses listed that are not mine. Experian tells me these addresses were either from credit card inquiries or actual credit cards issued in my name. The fraud used my social security number ( and perhaps other info ). At least XXXX card is still active with my name and fraudulent address. It is not my card ; I never requested it ; I have never used the card. I filed a fraud alert on all XXXX credit bureaus. This week I have had three separate calls from credit bureaus alerting me to fraudulent use of my name and information.

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 2016-06-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have been paying Wells Fargo Dealer Services more than the due amount every month. They have unlawfully charged me insurance fees, fees that ONLY cover the company in case anything happens to the vehicle and repossessed my car with no notice. 
Wells Fargo has done everything they can to keep the vehicle. I have been treated poorly by their representatives who are looking at the account and yelling at me like I owe them money, without even looking into the charges. 
No one that can help will speak to me. I have been given the run around and transferred over and over again. The few that I have spoken with have been very rude. 
They have now contracted a third party auction place who is charging me {$1000.00} in fees ( transport fee, storage fee, fee for items IN MY VEHICULE, ect.. to get the car back and is at this point, doing everything they can to keep the car and sell it an their auction. 
They transported the vehicle over XXXX miles away from my residence and expect me to find a way to it. 
You 're better off with a small bank or credit union. Wells Fargo could not care any less about any of their customers as long as they get paid.

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 2016-02-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Wells Fargo Executive Office states they can not trace electronic payments made via their bank to several banks and locate funds associated with those payments which the targeted payees state are lost and have never been received. After spending over one hour on the phone with both Wells Fargo & each of the payees, nothing was resolved except the loss of my funds. 

Thank you for sending your inquiry We have received your inquiry regarding this payment : Payee Name : XXXX XXXX XXXX Payee Nickname : XXXX XXXX XXXX XXXX : {$800.00} Payment Reference Number : XXXX Send On Date : XXXX/XXXX/2016 Your Case Number : XXXX Payee # XXXX Payee Name : XXXX XXXX - CREDIT CARD Payee Nickname : XXXX XXXX - CREDIT Payment Amount : {$1900.00} Payment Reference Number : XXXX Send On Date : XXXX/XXXX/2016 Your Case Number : 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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 non-monetary relief