BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Having no intended business with Equifax I find myself having to paid to freeze my credit. This is the result of their data breach which has nothing to do with me. This data breach occurred on XXXX XXXX XXXX all most a month and a half. Giving the executives plenty of time to sell their stock. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was stolen on XX/XX/12, and they used the my account to cash a fraudulent check in the amount of {$7100.00}. As well as a series of other charges. I reached out to the bank ( Wells Fargo ) to report it. They took 10 business days. shut down my account, had me calling endless times to get to reach out to resolve this. They ended up saying I was responsible for the fraud evencthough I did not do it.

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 2022-07-28
Company: PACIFIC PREMIER BANCORP, INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Opened an account with XXXX XXXX XXXX, a division of Pacific Premier Bank to hold a security that has no market value and is not traceable, strictly as a trustee to hold. They do not provide advice, there is no trading, nothing! 
They charged excessive fees, {$400.00} per quarter, after XXXX quarter I closed the account. They charged me {$230.00} to close the account! XXXX XXXX XXXX, did not respond to emails or phone messages, I called spoke to XXXX, she said there is nothing she could do, and said she couldn't even take the payment. 
They provided no customer service, but took fees!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-01
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
SEQUIUM ASSET SOLUTIONS Located submitted XXXX XXXX XXXX obtaining information under false pretenses to the consumer 's credit corporation claiming to strike fear and under false pretenses, used FALSE impersonating to gain access to the consumer 's credit reports. Their claim and VIOLATIONS SUBMITTED information of being collector 's/ as well as claiming to be ATTORNEYS submitting a collect claim - a violation of the Fair debt collection practices Act. Also, the false. DECEPTIVE TRADE PRACTICES. By not notifying parties of the consumer 's dispute with FCRA. The CONSUMER will submit evidenciary proof in a report case information to the local authorities XX/XX/2022. Each XXXX  was given a different and more DECEPTIVE view of their DECEPTIVE TRADE PRACTICES than the NEXT XXXX  dispute XXXX XXXX. Alleged CONSUMER IS REPORTING VIOLATIONS AND DISPUTE TO CFPB AND FTC. ALONG WITH FEDERAL PROTECTIONS GIVEN. PRIOR BY THE FEDERAL SOCIAL SECURITY ADMINISTRATION MAKING THE CONSUMER " JUDGEMENT PROOF. '' I SEND THIS WARNING FOR THE COLLECTOR NOT TO AGGREGATE AND AGGRAVATE MY DISABILTIES ANY FURTHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is 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 2022-09-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chex Systems is reporting that I have open accounts and derrogatory checking accounts that do not exist. I've asked for copies of account information in which they can not provide. Because of this- and I'm assuming it's fraud- there are multiple banks I can not do business with in regards to opening checking/savings accounts, HELOC 's or even car loans. Please advise.

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 2023-09-08
Company: Newport Intermediate Inc.
State: SD
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My employer gave me a {$110.00} Virtual Visa prepaid gift card, issued by https : //www.prepaiddigitalsolutions.com and on XX/XX/XXXX, I registered my card with them online. I used {$100.00} in transactions. The card expired XX/XX/XXXX. On XX/XX/XXXX prepaid solutions XXXX out the virtual card balance with a {$10.00} reversal. When I chatted with online customer service, they informed me that, per the cardholder agreement, the balance was lost. After learning from the CFPB website that I could request the card be re-issued, the second rep I chatted with informed me this wasn't possible because the {$12.00} reissue fee would be greater than the {$10.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 account was was on deferment for the months XXXX and XXXX per agreement with XXXX XXXX. and my account was made current. My next car payment was to start on XX/XX/XXXX. Since then I have not been late on my account. 
I recently checked my credit report and seen there was a 30 day late payment added to my report. please thoroughly investigate this matter and update my credit report with all XXXX XXXX  and remove the late payment immediately. or send account ledgers to prove there was a late payment made on my behalf.

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 2022-06-29
Company: FREEDOM FINANCIAL NETWORK
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a loan with freedomfinancialnetwork.com and I am currently 29 days past due. 
I attempted to make a payment via the online portal and it would only allow me to make a payment on XXXX when today is XXXX. 
I realized this would put me 30 days past due. 
I called their customer support line to find out what alternative means there was to get the payment in today XXXX or tomorrow XXXX. 
I was informed there was no means other than their system which sets the payment posting date 2 days after a payment is made. 
They do not offer any other means such as a money order via next day delivery service, XXXX or XXXX XXXX where the funds are guaranteed to credit the same or the next day even though they will accept the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Payfare International Inc.
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
So I do XXXX and I have the XXXX card which is payfare with XXXX XXXX, XXXX. 

Well yesterday I tried paying my phone and the payment got declined but I still got charged Today I've been trying to get in contact with whoever handles the XXXX card but they were no help most of the time they left me on hold and the last person just hanged up on me Cause of it now my phone is disconnected Seriously trying to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Client Services, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit card account with XXXX which went into collection. The collection was assigned to XXXX XXXX XXXX XXXX ( XXXX ) to collect on behalf of XXXX the last XXXX digits of the account are XXXX. The amount of the debt was {$4200.00}. I made monthly payments to XXXX from XX/XX/XXXX in the amount of XXXX until XX/XX/XXXX. The total amount paid to XXXX is XXXX. 
XXXX reassigned to account to Client Services to continue with the recovery of the debt. I have paid Client services {$2700.00} at the rate of {$98.00} per month from XX/XX/XXXX until XX/XX/XXXX. The total paid to both collection agencies is {$4200.00}. These funds were sent to XXXX. 

In XX/XX/XXXX I called client services to check on the remaining balance. The told me at the time that the remaining balance was {$1600.00}. They had no records of payments made to XXXX. I was instructed to contact XXXX XXXX XXXX at XXXX to investigate what happened to the payments made to XXXX. XXXX does not appear to be in business any longer. XXXX has no records of payments made before XX/XX/XXXX. I have been paying on this account since XX/XX/XXXX. 

XXXX has been called several times about this and all they will tell me is that there is a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXX XXXX XXXX in XXXX XXXX which is nothing more than a 1 person company trying to get money from people. She figured out how to put debt on your credit and not only cant produce the proof but also has the worst attitude, speaking nothing but lies. Im in the bank that she reported to my credit that said I owed but when trying to put the bank on the phone with her she keeps hanging up in my face. This is not a real company.

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account # XXXX {$1000.00} violation To Whom it XXXX concern : I, XXXX XXXX, consumer XXXX and natural person, am aware of all the rights that I have, and which are protected by The Congress of The Fair Credit Reporting Act ( FCRA ) .Im contacting you because XXXX, has violated my federally protected consumer rights to privacy and confidentiality and that you claimed to have completed a reasonable investigation with the furnisher of information and verified account listed below as 100 % accurate, However this account is still inaccurate and your company still continue to report errors on my credit profile and its been damaging my credit since XXXX XXXX XXXX. All three credit bureaus have inaccuracies. The account they have listed for XXXX isnt mine, inaccurate account numbers, inaccurate date opened, inaccurate balance, inaccurate last reported date, inaccurate last date active, and inaccurate date of last payment.I disputed this XXXX account several times and you failed to correct the errors each time. Now I want this XXXX account DELETED IMMEDIATELY! XXXX, illegally obtained person and private information under The Privacy Act of 1974 and 15 USC 1681 Sec 604a sec2 also states a consumer reporting agency can not furnish an account without my written instructions. I did not grant XXXX or XXXX permissible purpose to obtain the information then report, nor did the debtor. I havent been notified that my information is being provided to the highest bidders. I also request for XXXX account to be deleted as well for violations and unlaw acts according to the Family Educational Rights and Privacy Act -for students loans 16 CFR 6805 b- The will for non-compliance, As a consumer, and natural person I am invoking specified remedy and make the following demands : -Cease and Desist reporting of the account name filings to all consumer and reporting agencies -Remove reporting of the account name filings from all consumer reporting agencies. 
-Delete this account immediately no more investigations you reported these inaccuracies for three years now and none of documentary evidence was shown for what I requested. unless you want to be held for a {$1000.00} a violation and for damages as well. 
Ignoring this Cease and Desist will be evidence that the infringement, were willing, deceptive and in violation of the ( FCRA ) The Following accounts I wanted deleted below : XXXX : XXXX Not mine all info inaccurate delete immediately - {$1000.00} XXXX off federal protected consumer, 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 2022-07-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Community Loan Servicing was that company I used to have my mortgage with ( https : //communityloanservicing.com/ ). I sold the property. Community Loan Servicing got paid. I however never got a disbursement check from them. The closing was on XX/XX/2022 ( when the house went to the new owner ). I had paid XX/XX/2022. I understand they charged XXXX, XXXX, and XX/XX/2022 to the title company. There was escrow too. Meaning that they should give me money back. Community Loan Servicing instead transfer my loan to XXXX XXXX. XXXX XXXX says my information could be with XXXX XXXX I have spent numerous amount of hours with representatives from the 3 companies but none of them can find my info. I changed address but have not even been able to update any of my info because none of these companies have my account information. 
My name is : XXXX XXXX My phone number is : XXXX My social security is : XXXX My email is XXXX The account number with Community Loan Servicing is XXXX The address of my property that got sold and had the mortgage is : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX, XXXX. 
The closing ( sale ) happened on XX/XX/2022. 
The title company was : XXXX XXXX XXXX XXXX. 
My new ( mailing ) address is : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
Approx XX/XX/XXXX, I received emails with denials for an application of credit for a vehicle or refinancing a vehicle. One after another they kept coming. I had not applied for credit, so this throw a red flag. Then I start receiving letters for the denial seeing my credit score falls below XXXX based on these inquiries and denials. So, I called XXXX first, they told me they had an credit application for financing or refinancing, whoever they informed me that they received my information from XXXX XXXX XXXX, not knowing why when I have never given them either permission to nor have I applied for anything dealing with a vehicle or refinancing. Both companies pushed the blame on each other and then finally said they received the information from XXXX XXXX, which I never gave them either permission or authorization to run or share my credit information and adverse effect my credit score. XXXX XXXX was not willing to provide me any information on how they received my approval to run my credit and why it was shared with XXXX, XXXX XXXX XXXX XXXX XXXX without my knowledge. I spoke with a Rep at XXXX XXXX, who was passing on my request or email with the application of this alleged credit application, she said her supervisor 's name was XXXX was going to be the one to provide a email with that requested proof of an application as of XX/XX/XXXX XXXX I still have not received anything from XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX giving them approval to access my credit file. They all seem to point to finger at XXXX XXXX who I never gave permission to access my personal information and if so please provide that proof, this is a pure sign of fraud and I would like ALL credit inquiries from each of the companies that illegally obtain my credit information to be REMOVED from ALL three credit reporting agencies.

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 2023-09-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit 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 applied for and received a credit card with the number ending in XXXX from wells fargo in XX/XX/XXXX. Someone with access to my information was able to fraudulently request a duplicate card be sent to me on XX/XX/XXXX. They were able to obtain the tracking number from XXXX and have it rerouted to a different location. They activated the card and made three cash advances on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX  totaling {$1100.00}. I received a fraud alert from Wells Fargo when the unauthorized user attempted to use the card to make a {$1300.00} purchase at XXXX XXXX and was denied. I called Wells Fargo that night, XX/XX/XXXXXXXX  to report the fraud, have the card cancelled, and have a new card sent to me. I also filed a police report with the XXXX. Wells Fargo has repeatedly denied my claim of unauthorized charges after multiple phone calls over month.

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 2022-07-28
Company: Maximus Education, LLC dba Aidvantage
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Aidvantage/Dept of Education has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false " late payments '' to my credit report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 169 ( d ) ( 6 ), has negatively affeced my ability to extend credit and operate in commerce.Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I'm aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave respnsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by AIDVANTAGE/DEPT of Education before furnishing it.This shows that the consumer reporting agencies have shown bias toward me because i never gave my lawful authority for any consumer reporting agency or AIDVANTAGE/DEPT of Education to furnish any `` late payments '' to my consumer report. It is my belief that due to AIDVANTAGE/DEPT of Education business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ) XXXX they parrot any information given to them as a means of coering consumers to pay extra fees for debts that they allegedly owe. 

Late Payments XXXX XXXX, XXXX, XX/XX/XXXX XXXX I sent certified letter to AIDVANTAGE/DEPT OF EDUCATION XX/XX/XXXX they responded back on XX/XX/XXXX with a document saying they would not remove late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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