BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-10
Company: WELLS FARGO & COMPANY
State: FL
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:
There reporting information that is not correct this account is fraud never had a card from them. I lasted disputed on XXXX. XXXX and they're reporting two amounts {$790.00} balance and {$1500.00} which I never had. Wells Fargo card services

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 2020-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have  happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On the days of XX/XX/1925 and XXXX, {$2400.00} was fraudulently drawn from my XXXX XXXX account all from different ATMs. On XX/XX/XXXX, {$1000.00} was withdrawn from my account from an ATM at XXXX XXXX in XXXX XXXX. On XX/XX/XXXX, {$980.00} was withdrawn from my account from an ATM in XXXX XXXX in XXXX and on XX/XX/XXXX, {$500.00} was withdrawn from my account from an ATM in XXXX XXXX. 

During these transactions, I had my XXXX debit card on me the entire time and was not in these areas. On XX/XX/XXXX, I discovered these fraud transactions and contacted Bank of America 's Dispute Resolution Services immediately where I opened a claim. I provided all of the above information and blocked my card. Upon review, they closed my claim on XX/XX/XXXX with no reason for denial stated in a letter. 

I have called multiple times to reopen the claim and have filed for reconsideration. I sent in a fax with evidence on XX/XX/XXXX that I was not in those specific areas those days including bank statements, photos and work emails. I could provide the evidence upon your request. 

I was told that my claim was escalated to management but still have not heard anything back and my account has not been credited. I called today and they told me my claim still has not been reopened. 

I filed a police report on XX/XX/XXXX to the Federal Trade Commission where I stated the above. My police report is 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 monetary relief
Consumer complaint received 2017-08-08
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I had a IRA CD with TD Bank that was due on XX/XX/XXXX. I submitted the paperwork to have it transferred to another Bank on XX/XX/XXXX
The check was to be made out to the other bank and it should have been made on XX/XX/XXXX the day that the CD was due. We continued to check with the new bank to see if the money had arrived and was told no.
I went to the TD Bank on Tuesday XX/XX/XXXX to verify that everything was all set and the young lady told me that the account had been closed so I assumed that the money was sent. When the other bank had not received the funds by XX/XX/XXXX I went to the TD Bank in XXXX MA again on XX/XX/XXXX and spoke to XXXX XXXX at XXXX. He check the account and told me that the check was sent that day Aug 4th. He said that they had 10 days to process the CD which I understand is not correct. I have ten days to decide what I want to do but the bank needs to process it when they have the directions which was prior to XX/XX/XXXX.
XXXX was to call me on Monday XX/XX/XXXXto give me the check number and tracking number but he did not call. On XX/XX/XXXX I called XXXX and he then told me that the check was sent on XX/XX/XXXX.
I then talked to the Branch Manager XXXX XXXX about this and he got me the check number but no tracking number and he told me that the check was mailed on XX/XX/XXXX.
They also reduced the interest paid from 1.25 % to 0.75 % for the period form XX/XX/XXXX to XX/XX/XXXX
I still do not have the check and do not know why they did not process it onXX/XX/XXXX which is the federal law.
I also think that they did not send the check until MondayXX/XX/XXXX so that they could use my money over the weekend without paying interest.
I do not understand how they can break the federal rules with no impact. They claim that they did not break any rules. I now must wait until the funds arrive in the US mail before I can roll over my IRA.
Bottom line is that TD Bank is not following the banking rules and taking advantage of their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-27
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am a XXXX XXXX XXXXr in the State of Virginia and Washington DC. 
I have a letter that someone opened a business banking account with XXXX XXXX XXXX XXXX. Today I received a Wells Fargo Alert that someone opened a personal account with my social security number or loan or something. 

I have not walked into Wells Fargo Bank and nor opened an account online since XXXX land closed out I had over 7 unauthorized accounts with Wells Fargo. I was on the phone with XXXX XXXX XXXX XXXX and Wells Fargo stated would not open any illegal, or unauthorized accounts. 

I received an email today - showing that an account alert from personal account and I have not used Wells Fargo in years. I am requesting an investigation in to Wells Fargo opening bank accounts for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX XXXX. 


Please contacts me or XXXX or 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 2020-10-15
Company: Caliber Home Loans, Inc.
State: IN
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:
In XXXX of 2020, I submitted a complaint with XXXX  due to 2 inaccurate entries on my credit report. Upon checking the status of these complaint requests in XXXX, I was surprised to find that they were verified by XXXX  as reporting accurately. These were absolutely not correct entries and I would like to see the evidence that was used to verify that these were accurate findings on my credit history. I was offered no proof that these were correct ( and I strongly believe that they can not be because they are incorrect ) nor was I notified when the results were supposedly verified that they were correct findings. I know that these were reported incorrectly by the mortgage companys and would like to see verification of how they were determined to be reported accurately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
This account information is incorrect. This amount owed was paid. Negative marks on my credit report that are false

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2022-02-24
Company: M.A.R.S., Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My name is XXXX XXXX, XX/XX/XXXX I had an eviction filed against me by XXXX XXXX XXXX Professionally Managed by XXXX XXXX, I was making partial payments, I tried getting rent assistance from multiple places but it was the middle of the pandemic and things were hard, I was 6-7 months pregnant at the time and lost my job due to XXXX. 
On XX/XX/XXXX i delivered a CDC Declaration for the eviction moratorium to the offices of the apartment, they received it and stated that because I didnt have supporting documents they were going through with the eviction for late payment. 
Per the XXXX At the time, you did not have to provide any supporting documents of hardship, They filed the eviction and in the court documents it stated I owe {$1400.00}. 
The property management sold within the time between then and now, and have sold my debt to MARS, the balance on the credit report is {$3900.00}. 
Ive gotten in contact with XXXX XXXX and have been talking to XXXX XXXX XXXX, XXXX Vice President of XXXX XXXX XXXX Multifamily They had no record of the signed declaration, and are not being very helpful to come up with a solution, She said my balance was {$3900.00} due to rent owed and damages to said property but, court documents do not state any damage to property. 
Ive tried getting in contact with both more and i have heard nothing. 
They completely ignored the CDC declaration I delivered. I shouldnt have been evicted at the time, I ended up pregnant with nowhere to go and now Im unable to get any type of rental to provide a home for my son due to there lack of attentiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX sent me a letter saying I need to log onto their website. The website does not work and it's consistent with the conspiracy of fraudulent reporting a bankruptcy that does not exist. I have reported this several times and they are still lying about the bankruptcy that they can not verify with the XXXX District of Kentucky Bankruptcy. If you guys can not provide proper oversight I will be force to sue the three bureaus and XXXX XXXX in court. This is not a tolerable action in which a citizen should be subjected to. 

The three credit bureaus are conspiring with XXXX due to the fact they are a paid subscriber and we are now understanding that there is a monetary gain for consumers to have bad credit. Their sponsors make more money and this process will be presented to a federal court.

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 2022-01-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have received a collection attempt letter from Cedars Business Services XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX in regards to traffic ticket from XXXX XXXX in the amount of XXXX euros. The incident occurred in XX/XX/XXXX. The car that I was renting. at the time was caught on traffic camera driving in public transportation lane. I was never properly notified about this ticket. The police in XXXX mailed certified letter and XX/XX/XXXX that I never received ( I had mail theft problem that I reported to local police in XX/XX/XXXX ). I offered collector via email to pay the original ticket amount of XXXX XXXX administrative fee stated in a copy of the letter that I never received. It is approximately {$120.00}. The collector is requesting total of {$390.00} of unexplained fees. I was never properly notified about this and I believe that I should not be additionally penalized. This is well known problem with this agency and XXXX police in XXXX reported in many internet blogs in US.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Stearns Ventures, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/2016 I refinanced my mortgage from a 30 ryear to a 15 year, with the same lender, Stearns Lending. It was an FHA refi. They reported me as paying late as of XXXX XXXX 2016 because the title payoff they received on XXXX/XXXX/16 was a few XXXX short. they received 99 % of the payoff on XXXX. Did n't even attempt to contact the title agency until XXXX/XXXX/16 to report the fund shortage .Regardless, my payment was not over 30 days late because they received almost the entire balance of my mortgage on XXXX which was far more than my {$1300.00} mortgage payment due by the XXXX .... I have tried for a week to get a hold of them my credit has gone down XXXX points and is now affecting my ability to lease another car. I 'm at my wits end I do n't know what to do this is very very dishonest of them and no one will fix it. I have not had a late payment ever.

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 2016-04-19
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I was contacted and left a voicemail by the same person three times in one week claiming to be XXXX XXXX representing XXXX. She stated on the voicemail, she was contacting me regarding legal complaints that are stemming from XXXX, that is attached to my name and then she stated the last XXXX numbers of my social. ( XXXX is my bank. ) I contacted my bank. They did not know anything about this. They put more security on my account deciding this could possibly lead to identity theft. Then I received another voicemail from XXXX XXXX, this time more information. She stated she was contacting me in regards to a check and fraud charge, that they have been asked to file against my name and social security number. Then by the third call XXXX XXXX left a voicemail that she received several legal complaints in her office regarding fraudulent allegations that are attached to my name and social security number. This was very upsetting because I did n't know who, XXXX was, and XXXX XXXX stated in the first voicemail that my bank, XXXX, was where the legal complaints were stemming from. My bank stated they do not have any legal complaints out against me. So she was lying. I was tired of the constant threats on my voicemail. I called the number XXXX to contact XXXX XXXX. She wanted my name, I stated I would just give my phone number. Then I waited and there was silence. So I just began speaking, " I would like you to stop contacting my number ... '' but before I could finish she started screaming at me that this was Ace Cash Express! So I said, " What is XXXX? '' That is who she said she represented in all of the voicemail 's. She said, '' They were going to file fraud charges against me, but was yelling at me and very unprofessional altogether. I could n't get a word in. It was verbal abuse, and I was n't going to take it. I ended the call. My phone rang and it was the number I called. She was calling back and I did not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
i had my capital one secured card since about 2015. I was late one payment one time due to an accident. Due to someone using my card in another country i had to cancel my card that was attached to it for payments and get a new card. I had forgotten i already had an automatic payment scheduled and they tried to take payment twice. It failed and they closed my account without even telling me tranactions failed the first time or even the second. i called them but no to avail they would not budge i also sent a reconsideration letter because i didn't want another hit from them on my report. So now i have a closed account just sitting on my report, they claim a failed payment is fraud and thats why it was closed. i have asked for reconsiderations but nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: JPMORGAN CHASE & CO.
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:
On XXXX XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiriy on my credit report per XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On my XXXX XXXX Account you have a late payment listed for the month of XX/XX/18. 
I have never been late on any payments. 
According to the FCRA information reported must be reported accurately.

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 2022-10-25
Company: Nelnet, Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
nelnet a servicer for us department of education, completely XXXX  up and gutted and destroyed my credit reports. you have illegally and unethically said i was delinquent when i was not, refused to invetigate the issue, ignored a sitting US senators inquiryXXXX XXXX up my credit report and lied about it for 7 years, stated an account was transferred not paid and closed, and refuse to respond to my inquires or correct the matter.you have destroyed a XXXX  veterans credit and made him homeless again. you have lied and put false inaccurate information on all 3 credit reports. you have cuased me so much pain suffering and XXXX  distress i intend to sue nelnet for everything you are worth. i have rrepoirted you to the education inspector generals office for fraud waste and abuse of me as a veteran. I have a new congressional inquiry in with two US senators ofices and you will be hearing from them in this matter. ALL MY ACCOUNTS SHOULD READ PAID CLOSED ON TIME FOR LAST 7 YEARS AS I AM PERMANENTLY AND TOTALLY XXXX AS OF XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Funds were low or over drawn and a fee was charged

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