BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I attempted to make a domestic wire transfer using Wells Fargo bank at XXXX EST on XX/XX/21. The bank charged me a {$30.00} fee for this Transaction. This wire transfer was supposed to be credited into my trading account with XXXX XXXX, to cover a margin call. My money was not transferred till end of day and when I called Wells Fargo for status, they stated that wire transfer can take 3-5 business days. I even spoke to a supervisor who repeated the same thing. I reminded them this is not a ACH or online transfer and is wire transfer and also pointed them to bank policy. After waiting for over 32 minutes, my call was hung up on and bank never contacted me back or returned my wire fee or money. 

I have attached screen shots showing : 1. Wire transfer confirmation at XXXX XXXX 2. Phone screen shot with times and waiting time of 32+ minutes. After this, I was hung up on. This should be in the Wells Fargo 's call logs. 
3. XXXX shot showing wire transfer policy.

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 2020-08-19
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am disputing the amount paid to XXXX  that receivables performance is reporting on as paid on my credit line. Fcra is in violation on their refusal to withdrawal their Improper collection reporting to all 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 2017-04-25
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hunter warfie ld his continuing to violate the FCRA t he FDCA the tn state law. the company is claiming that I owe   XXXX   XXXX    XXXX . I do not. as per tn state law the carpet must be replaced every 5 years ( hunter warfield admitted this fact ). tn state law also states that once the company accepts any form of payment they are prohibited from any fur ther actions. on  XXXX    XXXX   the company   XXXX   XXXX   accept {$1600.00} payment which would have covered the months i was not able to pay. the amount agreed on in court  was  XXXX . as per tn state la w once money was accepted by   XXXX   XXXX   they waived the right to have any lien. Please only accept information from eagle point with my signature last time the company falsified documents to make it seem like my lease wasnt up when I left the apts

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sent {$450.00} from the XXXX ( XXXX ) app on XX/XX/18 to XXXX XXXX who also has a XXXX ( XXXX ) app. The transaction on the app shows as denied 3 times as XXXX didn't have an updated debit card on his XXXX app. The last card he had was with XXXX XXXX and it was no longer valid. Even though on the XXXX app it showed as denied, my bank account had an authorization hold placed on the account and the transaction cleared on XX/XX/18 as successful, but XXXX never received the deposit. XXXX has no idea of what happened. They however show as the merchant on my bank statement but they say they really are not the merchant. I also spoke to an agent who said that XXXX did send the request to pay the authorization hold but since the account had an invalid debit card that it should be returned, but it hasn't returned yet. Then a manager told me that the info he said was wrong. But in my understand of debit transactions, the sending bank applies a hold under the receiving entity sends a request to complete that transaction which to me looks like XXXX. XXXX hasn't opened any type of investigation that I know of and just keeps reading me the standard policy lines. The thing is the money isn't in my bank ... so it is either with XXXX or XXXX somehow sent it to XXXX XXXX which is the receivers bank, but XXXX can not at this time locate the money either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received an alert from the credit bureau that a new account was added to my report. The company name is XXXX.It shows on my report this acct was opened in XXXX  however it was just reported to my credit report. I immediately tried to contact the company, however I was unsuccessful. I then proceeded to file a police report to report this account which is an account that was not opened up by me. I am a victim of identity theft and fraud and I do have an extended alert on my report. The report does state to contact me at the number provided to verify my identity before any credit is extended.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Kinum, Inc., Indianapolis, IN Branch
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On repeated occasions I have dealt with the rudest, most offensive and really scary abusive verbal abuse of the Kinum representative. He has repeatedly called and told me 'I 'm running away from my problems ' 'He has the authority to put this on my credit ' He has also mentioned my daughter name and where I work. This man scares me. He has assumed the debt is valid and it isn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Nelnet, Inc.
State: IL
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:
After school I was out of work, robbed XXXX, and hospitalized being in a low income community I didnt get the help I need to recover as far as XXXX .y XXXX  was most up suffering from XXXX years later I managed to pull myself back together before I got XXXX I would call nelnet and set up hardship payments but after I wasnt in the right space XXXX so when I tried again I was informed that the debt has been deferred charged off now I'm working with the third party company they sold the debt to to get back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My wallet was stolen at my gym and inside of it was both my BofA credit and debit card, my license and my XXXX  XXXX credit card. I informed my gym that my wallet was missing but, nothing ever turned up. I used BofAs mobile app to lock both cards. Shortly thereafter I started getting notices of unusual activity on both my credit and debit cards. I utilized the mobile app again and reported the cards as stolen, I marked charges as unauthorized and I requested new cards to be mailedbut the cards never came and the unauthorized charges kept coming. My debit card has MULTIPLE transactions from XXXX XXXX and XXXX, there are charges out of state, and money being sent through XXXX XXXX  to individuals that I DO NOT KNOW. I started receiving packages, here and there, from places I had not shopped ; I contacted vendors informing them of the fraudulent purchases yet, they refused to work with me and pointed me back towards my financial institution. I returned the items anyway AND I STILL HAVE NOT BEEN REFUNDED. I called BofA MULTIPLE times to get the matter straightened out ; I spoke with agents who were uneducated by telling me that they could see claims and that they would handle both my credit and debit card issues. However, I called back because I still hadnt received a new debit card and I was told because nothing had ever been filed. I have done research on some of the charges. What isnt overseas is excessive and fraudulent. There are transactions for illegal weight loss drugs, purchases overseas, transactions to store I dont have an account with. Transactions were made repetitively and BofA is playing the coward ; they refuse to give me back my money! They are telling me that I made these charges because transactions have my address on it when the reason for that is because THEY ALSO HAVE MY LICENSE. I have filed a police report and I had to buy a new license. BofA needs to stand behind their customers, someone has stolen over {$6000.00} and I want my money back!!

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 2017-04-25
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: Late or other fees

Complaint:
From  XXXX  We have a working relationship now. However, I was asked to file this report.    Wells Fargo  kept charging me {$30.00} a month for each business account when it was supposed to be free. The accounts were opened in  XXXX   XXXX , NV where I had my  XXXX    XXXX   XXXX   XXXX  . I live in California. No matter where I called to straighten it out and get credited, it did not fix. First of all they claim they can only credit back 3 months. I first noticed it after {$800.00} was dwindled down to nothing.     I dro ve t  XXXX  hours round trip to  XXXX  to get this problem fixed, same result. When I asked for help in  XXXX , California on  XXXX   XXXX , they said we have to close the account and make a new account to fix the problem. Of course each checking account comes with a separate savings account. So they changed it to {$20.00} a month fee but told me it was free. Later in  XXXX   XXXX  I asked for help. I went to the   XXXX   XXXX   XXXX  and  XXXX  locations. The same thing happened reopen another account and another and another. I dont even know how many times this went on. For sure more tha n 4 ac count changes for  my two business checking and two required  business saving accounts in just the city of  XXXX   XXXX . Now I have a free account only I have {$150.00} Tranfer into savings and the next day transferred back {$150.00} to checking and I have to have bill pay active or they will have a fee. Another option is to have a huge daily average in the account at all times. I am not doing that. Last week I asked a couple questions and they gave me wrong 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 monetary relief
Consumer complaint received 2018-05-31
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The purpose of this written request is to request an explanation and documentation as to why a secondary corrected IRS Form 1098 was issued for loan # XXXX. This information is necessary to file an amended 2017 Federal and State Tax Return and to file a formal complaint with Internal Revenue Service against Seterus Inc. and file a formal complaint with the District Attorney Office of XXXX XXXX. 
It appears based on this information provided that Seterus Inc. has been manipulating and wrongfully distributing the contractual principal and interest payments in to a defunct escrow account and suspension account thus resulting in a corrected Form 1098 to be  generated. It also shows that Seterus Inc. is wrongfully administering the contractual principal and interest payments in order to fabricate a delinquent mortgage account with an intent to generate a loan modification for which Seterus Inc. has a financial gain interest in and/or a notice of default to produce unverifiable fees and service charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This letter mailed to EXPERIAN explains the problem Personal Information on this letter was deleted as instructed on by consumer finance.gov website MAILED LETTER CONTENT BELOW XX/XX/2021 TO WHOM IT MAY CONCERN AT EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Dear Experian Associate I need help resolving the issue below since.. 



When I logon to Experian.com/ freeze & request to have my Credit XXXX XXXX permanently I get a message that says I HAVE NO FREEZE ON MY EXPERIAN ACCOUNT However, when XXXX XXXX XXXX XXXX who is the bank handling my mortgage Refinancing ) checks my credit they say it shows my EXPERIAN XXXX IS FROZEN & can not be viewed My personal details below FULL NAME XXXX XXXX XXXX PERMANENT HOME ADDRESS FOR PAST XXXX years XXXXXXXX MOBILE # XXXXXXX EMAIL ADDRESS XXXXXXXX It is ridiculous that I CAN NOT REACH ANY LIVE EXPERIAN XXXX at all the # XXXX I have located for EXPERIAN XXXX the XXXX & other sources including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please call me or email me or TEXT me ASAP & help me get this issue resolved A very frustrated, dissatisfied Experian customer XXXXXXXXXXXX

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 2017-04-25
Company: EQUIFAX, INC.
State: MD
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:
Ask the company to remove 30 days late payment for the month of  XXXX    XXXX  .   Because its inaccurate, they agreed. It is still reporting on all  XXXX  credit bureaus. Many letters and calls nothing has change, now reporting inaccuracy that the account was closed by me. Called to see why this is being reported by all  XXXX  credit bureaus, they acknowledge the error and said they will correct it and it is still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: U.S. BANCORP
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 information incorrect

Complaint:
In regards to XXXX ACCOUNT ending in XXXX : The debt associated with this account was settled and paid in full in XX/XX/XXXX. I have the receipt which was sent to me from XXXX documenting the account debt was settled and the remaining balance was paid in full. 

I spoke with a supervisor at XXXX on XX/XX/XXXX who reported that upon looking at my account on this date, it showed NO BALANCE. 

I have my most recent credit report from XXXX showing that XXXX is still reporting a balance of {$6200.00}, however accurate information has been reported to XXXX and XXXX showing a balance of {$0.00}. 

I also have the results of the dispute I filed with XXXX XX/XX/XXXX with results reporting : " We have researched the credit account. Account # - XXXX The results are : THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *DATE OF MAJOR DELINQUENCY XXXX REPORTED *ACTIVITY DESIGNATOR *HISTORICAL ACCOUNT INFORMATION. If you have additional questions about this item please contact : XXXX XXXX, XXXX  Disputes, XXXX XXXX XXXX, XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX '' I have requested to have a XXXX report sent to me by ELAN to submit with XXXX taxes XXXX times since the debt was paid in XX/XX/XXXX, with no report ever sent to me, despite confirming my current address all three times. 

XXXX will not update the balance of {$0.00} with XXXX and it is impacting my credit. XXXX continues to blame XXXX. 

XXXX made to XXXX XX/XX/XXXX reporting XXXX needs to contact XXXX directly, however XXXX reports their dispute department has no land line and no phone number. 

I have all documentation showing receipt of payment, results of previous dispute, and current credit report.

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 2022-04-27
Company: CURO Intermediate Holdings
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: Information belongs to someone else

Complaint:
AD ASTRA REC ( Original Creditor : 12 SPEEDYCASH COM XXXX TN ) is reporting a collection to my credit report that I am not liable and that I have no knowledge of from their company. 
XXXX shows open date as XX/XX/XXXX with a balance of - {$710.00}. Last reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX shows open date as XX/XX/XXXX with a balance of - {$710.00}. Last reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX shows open date as XX/XX/XXXX with a balance of {$710.00}. Last Reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit report, and I would like them to remove these accounts from my credit report immediately. They refused to remove this account, and they also failed to provide validation of this account when I inquired for validation not verification of this account. 
XXXX : Date open date shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XXXX : Date open shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX : Date open shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX XXXX  is reporting inaccurate information on my credit report, and I would like them to remove these accounts from my credit report immediately. 
XXXX : Date open shows XX/XX/XXXX. Last reported on : XX/XX/XXXX. Date last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX  : Date open shows as XX/XX/XXXX. Last reported XXXX. Date last active shows XX/XX/XXXX. Date of last payment : XX/XX/XXXX. 


XXXX : Date open shows XX/XX/XXXX. Last reported on : XX/XX/XXXX. 
Last date active : XX/XX/XXXX. Date of last payment : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Numerous people have tried to use my personal information to obtain credit cards and automobile loans illegally!

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 2017-04-25
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Nelnet  raised my payment to an exaggerated amount than when I could n't pay it they offered me a deferment taking on all the interest to my principle. They then said at the end of my deferment my payment would be manageable but instead it came back at the original exaggerated amount. I 'm tired of the games they are playing adding interest and fees when they know I ca n't make their demands.   Please help stop these preditory practices to a stay at home mother of  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CrossCountry Mortgage LLC
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:
The mortgage company initiated a hard inquiry without authorization for a hard pull. I was advised by the agent that they remove the inquiry but still on my report. I called XXXX and XXXX but both refused to delete or remove the said inquiry from my credit. which is detrimental and damaging to my credit report. XXXX reported twice the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: TX
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:
I have been disputing this account for over a year and nothing has been resolved. PER 17 CFR 248.7 by law Preferred lease informed me this was a no credit check application. Preferred lease, XXXX, experian and XXXX were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did .They have been reporting fraudulent information on my consumer report I have sent in police reports and ftc reports and they continue to report illegally to my consumer report. Due to the privacy act of 1974 it is very illegal to obtain my information without notifying me first, I have no knowledge of this account i have no knowledge of who these person are. I have never given this company my information and the way my information was obtain is a privacy act of 1974 concern. Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. Preferred Lease is committing 18 USC 1028 A aggravated identity theft. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have 4 days by law to remove thier information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance 15 USC 1681n .

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