BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2022 I deposited a XXXX XXXX money order for {$30.00}. However the money was returned and Unpaid and -Code paper XXXX I was was additionally charged {$12.00} check return fee totalling {$42.00} in money that I an unable to recoup as a result of Wells Fargo Fraudulent business practices. 

Furthermore, customer service advised that the money order would be return, however as of today 's date that has yet to occur. Due to the fraudulent business practices of Well Fargo and stealing money they did not legally obtain, this would equate to theft of {$42.00} of my hard earned money.

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 2017-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 graduated from my XXXX and XXXX program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX ). Afterwards, I was in financial hardship for a year until XX/XX/XXXX, but XXXX serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted XXXX in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XX/XX/XXXX and XXXX XXXX for XXXX for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with XXXX and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to XXXX in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX, my deferment ended in XX/XX/XXXX. But XXXX refuse to take actions to correct this issue.

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 2022-04-15
Company: EQUIFAX, INC.
State: GA
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 they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My credit report indicates I have [ 22 ] accounts that are negatively impacting my credit score and immediately preventing me from obtaining a mortgage and credit. Each of the three credit bureaus is incorrectly reporting credit information deleterious to me for which damages may be sought. [ 11 ] OPEN ACCOUNTS have reported a current account of which, XXXX XXXX XXXX is incorrectly reported. XXXX/XXXX  XXXX is incorrectly reported. XXXX XXXX  XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is a double reporting tow separate balances, {$4200.00} and {$2700.00} and is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. The credit reporting agency is reporting the following unauthorized inquiries. XXXX  XXXX XXXX, Unauthorized and demand strict proof. XXXX  XXXX XXXX  Unauthorized and demand strict proof. XXXX XXXX XXXX  Unauthorized and demand strict proof. XXXX XXXX XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. The credit reporting agency is reporting the following incorrect PERSONAL INFO. XXXX XXXX XXXX. I have never applied for credit or ever been known by this name. I demand strict proof this was reported to the credit reporting agency. PERSONAL STATEMENT. The credit reporting agency will not update my personal statement with relevant and current information. I have asked that all prior personal statements be removed to avoid confusion. REMOVE THE CREDIT FREEZE ON MY ACCOUNT FROM XX/XX/2020 to XX/XX/2020.

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 2022-09-13
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 was not aware that my XXXX XXXX used my information to get credit cards she also made XXXX for XXXX XXXX XXXX was not aware of using my information i was never married to this girl she lived with me for several years but used my identity to make these credit cards i was not aware of the two cards she had under my name until time went by

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 2016-08-11
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
On XXXX XXXX 2016 number XXXX called me back to back 6 times and when I answered they had me on mute and hung up. They have been harassing me all day. I called back and asked them to put me on the do not call and cease and desist all my numbers. The agent argued with me and told me to go get some education and they would not stop calling me. Now they are still calling me and hanging up back to back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX ; Experian and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.

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 2020-04-05
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
This complaint is against NELNET, my student loan servicer. I was previously enrolled in a loan repayment program, Revised Pay As You Earn ( REPAYE ) Repayment Plan, for @ 4 years. Each year I was required to RECERTIFY to be approved. I granted access to my IRS filings to demonstrate my income in order to qualify for the program. In the process of RECERTIFICATION, I used the NELNET calculator to determine my monthly payment : Married, XXXX child, AGI for XXXX was @ {$17000.00}. According to the calculator, my payment would be {$0.00}. My XXXX AGI was @ {$7000.00}. According to the calculator, after my IRS file was accessed, my payments starting on/about XX/XX/XXXX - XX/XX/XXXX, would be $ XXXX/month. I am employed in XXXX  for a non-profit rural hospital. Based on the location, wages are @ 15 % lower than in other locations. After I completed the recertification I received a note indicating the application was complete. As time began to close in on the deadline, I called NELNET three different times and related my concerns that the website indicated my new payment amount went from {$0.00} to @ $ XXXX/month. I was told not to worry because they were behind in processing recertifications. I was also told that if any further information was required I would be notified by an email. I was never notified and never received an email asking for additional information. I dib begin receiving notices that my @ $ XXXX/month payment was nearing its due date. Again, I called to ask what was going on and was assured my recertification was still in the processing and that I should hear back in the next two weeks once the recertification was complete. NELNET confirmed my income and family size via the IRS. The IRS sent me a notification that NELNET had accessed my IRS file well before the XXXX date. There was no reason for any delay. There was no request for additional information once I filed my application. My marriage status, dependants and income qualify me for the $ XXXX/month repayment under the repayment plan I was previously enrolled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Emergent Business Group, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent Emergent Business Group a debt validation letter after being advised by XXXX XXXX, XXXX to do so in regards to my account. I was informed Emergent Business Group is holding and servicing this account currently. They have failed to respond to my request for validation and I have attached my debt validation letter below.

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 2017-05-22
Company: Innovis
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:
On XXXX XXXX, 2017, I was referred to XXXX XXXX XXXX in XXXX, Ca. XXXX XXXX to get a pre-approval for a prospective property in XXXX County. Due to my traveling and the loan broker being away from her office, I promised all other necessary documents to be sent on XXXX XXXX, 2017, instead. I emailed and faxed most of all documents to XXXX XXXX, in return email from XXXX XXXX, she asked if she could forward my bank 's statements to my realtor. With that email, I called XXXX XXXX, I do not wish to move forward, something was not right. Realtor only needs a mortgage pre-approval letter from the agent, not my bank information! The realtor who has not sent offer after 36 hours request to me, does not have a business to have personal financial sensitive information. After a phone conversation with XXXX XXXX, my husband and I decided not to move forward with loan and property. I advised XXXX Not to run my credit check, but she said she did anyway. On XXXX XXXX, 2017, I learned she ran a hard inquiry on mine and my husband credit checks, I asked her to help to remove them as a soft inquiry. I made a dispute to CBCInnovis ( XXXX XXXX XXXX used ) about the inquiry. The respond from the agency stating that XXXX XXXX indicated that XX/XX/17 XXXX XXXX. we gave her verbal consent due to I did not have access to email or fax machine. This is not correct so I contacted Escalation Department XXXX XXXX I spoke with the loan officer for your loan. She pulled the calls and stated that " she notified you that in order to do a preapproval she would need to run your credit. She said that you consented for your credit to run. They will not remove the credit inquiry since they had your consent to run the credit. '' I did not inform about the recording conversation with XXXX XXXX from XXXX, 2017, and I exchanged a handful of emails on XX/XX/XXXX, no authorization have been mention of running credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dear CFPB Staff, Transunion has failed to remove an erroneous Alert from my address ( XXXX XXXX XXXX XXXX Fl, XXXX ) on my Credit Report stating it is " temporary '' and not residential. 

My address ( XXXX XXXX XXXX XXXX Fl, XXXX ) is my family 's house which I have lived in for over 10 Years. 

I sent Transunion the documentation they requested early this year ( 2019 ), and they failed to fix the problem. 

I just got off the phone with a Transunion at around XXXX on XX/XX/2019. The Transunion Representative lied and did not know what he was doing! First he stated the problem was that the bank statement was not recent. I asked him " Was it recent when I was told to and sent it in? ". The Transunion staff member Transunion is poorly training to help us American Citizens with our crucial life determining credit files then immediately " Oh. The problem is the license scan is not readable. ". Not only was that a pathetic lie that contradicted his own previous sentence, but I made certain the license was legible. Us American Citizens ' welling being is at risk due to Transunion 's carelessness! 

I am included updated scans in this complaint.

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 2021-10-29
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have made three attempts to close a safe deposit box with this bank. On my first attempt I was advised that all of the bankers were busy and I would have to make an appointment. I advised the person taking down my information I wanted to close a safe deposit box. When I arrived at the branch at the appointed time ( this was my second attempt ) I was advised that due to a recent merger he did not know how to close a safe deposit box and that he would have to spend around an hour on the phone with his support team to walk him through how to close the box. I submitted a complaint to the XXXX XXXX XXXX regarding the poor customer service I had received to this point. A third appointment was made for me on XX/XX/XXXX. When I arrived at the branch on this third attempt I was advised that since I did not have the second key there would be a {$15.00} fee they would have to collect. I offered to pay the fee in cash or with a debit card. I was advised she did not know how to assess the fee in their system. This safe deposit box annual rent is up in XXXX. Based on past media reports regarding some of the tactics that XXXX XXXX has engaged in, I am concerned that this bank may be engaging in dilatory tactics to try to collect another years rent on the safe deposit box.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: DISCOVER BANK
State: OH
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:
Discover Bank inquiry from XX/XX/XXXX Discover Bank inquiry from XX/XX/XXXX Discover Banks inquiry from XX/XX/XXXX These inquiries were not authorized by me on my XXXX report. I already attempted to inform and advise the agencies and the bureaus to remove these inquiries to no avail. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Social Finance, Inc.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
SoFi froze my account for suspected fraud. They returned a check that I had deposited from my other account and then locked my checking account. I have attempted to call their Fraud prevention team for three days and left multiple messages for a return call. A quick search of this process on their chat boards reassured me that this happens to many people and sometimes takes two weeks to resolve. That timeframe is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: AL
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:
XX/XX/XXXX I disputed several items on my Experian Credit Report that were inaccurate, erroneous and or debilitating to future credit opportunities. All of the items were returned unchanged on my credit report at the end of their investigation. I followed up with a letter requesting the method of verification and still have not received a response. I have since written another letter. XX/XX/XXXX, to have the invalid accounts removed and am waiting for a 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 2016-01-06
Company: Rocket Mortgage, LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my mortgage through Quicken Loans in XX/XX/XXXX. i alone applied and received the mortgage though I am married. Upon getting married and my wife selling her home, her credit score dropped and her credit card maxed her interest rate to 29.99. She reorganized through bankruptcy and is paying her creditors. XX/XX/XXXX, Quicken Loans blocked all of my access to my account which I had always administered online. They would not allow me to see any data or make a payment. Every month for 8 months I called and got the run around for hours until I got tired and it would all begin again the next month. I would send a check to pay my payment on time. They contended that it was because I had declared bankruptcy and I had not, my wife had. She is not on the note anywhere, but they did n't care. I have sent emails and paper letter to them asking to have my information sent to me on paper, as they suggested, but they never responded to that request. They claimed it was software and 8 months later, I was able to do transactions online again. No explanation or correspondence. It just started working. 
My loan originated in XX/XX/XXXX and when I went online to pay my payment, it had gone up XXXX dollars. I tried to view my insurance, tax and escrow information and I was locked out with a note to call them. When I called, they brought up the bankruptcy again and told me that they did n't have to provide me with any information due to that, but the would read it to me over the phone. Neither my insurance company nor my mortgage company sent a notice of the increase in charges. I asked for an escrow analysis to be sent to me and they refused. The latest person to talk to me about it is XXXX XXXX, Quicken Loans Client Relations. XXXX XXXX was the originator of my loan and has never been helpful beyond that point. XXXX XXXX Social Media Advocate said it was a software glitch the first time it happened, but never did anything to fix it. I believe that it is illegal to not keep me informed of changed in my escrow account and would appreciate feedback. I have email from some of these events, but they are not answering me at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made multiple attempts through XXXX and XXXX to settle the above referenced account. My offers were repeatedly denied. I made the same offer in XXXX, after this office notified me via mail that they were suing me. The court date was XX/XX/XXXX. We settled for my original offer amount of {$450.00}. I had until XX/XX/XXXX to pay, I paid XX/XX/XXXX. At the hearing, both Stillman 's representation and the magistrate, claimed upon payment my file would be updated to reflect a {$0.00} balance, I would be provided with receipt upon payment, and such would reflect on my credit file. 

Stillman 's office took XXXX  days to provide me with receipt, and purposely told the data furnishing companies ( 3 major credit bureaus ) that my account was not settled/paid in full during the dispute/investigation process, causing me to have to re-open the dispute, and wait an additional 30 days on top of XXXX  days I had to wait for a receipt.

Company response to consumer: Closed with explanation