BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
The below complaint was submitted prior, a rep by the name of XXXX XXXX with Wells Fargo replied stating the ODCR EO, ( Overdraft Deposit Collections Recovery Executive Office ), has made several efforts to resolve my concerns and exhausted all resources.. I will again assure the CFPB this reply is first off, a form reply. Second, it is a lie as there were no such efforts and or attempts to resolve concerns/issues brought forth. Wells Fargo has tried and failed to use this general form reply numerous times in the past and has worn it out ... If there were such attempts they would be detailed and would include calls, emails, or other attempts reaching out which there aren't any. Please see complaint below.. 
Numerous CFPB complaints have been submitted prior against Wells Fargo in regard to unauthorized checking and savings accounts opened in my name by Wells Fargo reps in the past, as late as 2104.. Wells Fargo reps reply to CFPB stating in part ... " Numerous attempts at resolution made, exhausted all efforts '', which I can assure the CFPB and any other third party is a lie.. A XXXX XXXX replied to last complaint,  this is the fifth rep to use such bogus reply as detailed earlier ... If anyone at Wells Fargo has made any such resolution attempts, they would be detailed and would include reaching out by Phone, email, mail..etc ... There were no such attempts, this is a general form reply Wells Fargo reps use and is blatantly obvious.. Complaints were filed in regard to fees charged to unauthrorized accounts, specifically overdraft fees. Wells Fargo has replied in part by sending me mediation request forms, a total of five of these such forms have been filled out, mailed in. XXXX XXXX with mediation at Wells Fargo contacted in me XXXX, offered a settlement amount of {$3700.00} which was accepted.. A check was sent in that amount including estimated income tax to IRS, a total of {$5100.00}, which was intercepted by another party and cashed in my name. I've been working with a XXXX XXXX, a supervisor with mediation, he is looking into fraud check and he was provided info as of XX/XX/XXXXwhich was provided by myself from an XXXX in fraud investigation ... I was told by XXXX the funds from check were returned on XXXX I believe to the account issued from with Wells Fargo.. I relayed this info to XXXX on XX/XX/, do not have any confirmation check is or will be reissued as of yet..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I made a rental of a XXXX XXXX over at the agency of XXXX  the day of XX/XX/19 for the amount of {$1000.00}. The charge was made the same day XX/XX/19 around XXXX. The XXXX XXXX would be picked up around XXXX. But the agency called me and notified me the XXXX XXXX was rented to some one else. Immediately I head over to the agency to figure out why. The XXXX  decided to sell me a XXXX XXXX for the amount of {$3000.00} total as is. The purchase was made around XXXX. The agreement was they were so-pose to refund me the rental fee of {$1000.00} for the XXXX XXXX   thats was not rented XXXX told me the money was going to appear in my account with in 3-5 business days.. the total amount that was charged to my account was XXXX on the day XX/XX/19. 
Now on the day XX/XX/19 there was another {$1000.00} recharged to my account. To know the reason of that charge I called XXXX  agency for an explanation. Their answer was the {$1000.00} that was removed from my account on the XX/XX/19 was not processed correctly that there was an error. I went to the nearest local bank and asked more information about that money and the bank said the rental fee was never in my account it was pending but never proceeded to make it valid. 
So now their is a confusion with my bank and XXXX of XXXX XXXX. Neither of them know where that rental fee went ... so some one is owing me that rental fee but neither my bank or XXXX  clears this mess.. 
XXXX  is willing to cooperate with me and show me any information but my bank does not explain properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account with Capital One was marked as delinquent 30 days in XX/XX/2022. In XX/XX/2022 I deposited a 30 day payoff for the full amount of the account ( {$850.00} ). 
Capital one then charged a {$2.00} interest charge to the account. Still, I can not figure out the math on a {$2.00} interest charge with my account APR ( 25.49 % ) from either the existing balance ( {$780.00} ) or the charges in XXXX ( {$70.00} ). The company then charged a late fee in XXXX of {$2.00}. I did not receive notification of either of these charges. In XXXX my account was marked as 30 days late on my credit report. The moment I got THAT notification from XXXX I paid it in full. I was XXXX with the military during this time ( XXXX ). I have never missed any payments on any account for any revolving credit. I have made every single payment on time since. I made a dispute through all major credit bureaus in XX/XX/2022 and nothing has changed. I have also called Capital One in XX/XX/2022 and received acknowledgement from the supervisor I spoke to that these charges were incorrect and told that he could do nothing to fix it. The supervisor just apologized, said he would try to send the issue further up, but I have yet to get a response or see a change.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-13
Company: Experian Information Solutions Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
There was a Consumer Credit Transaction with a credit card as defined under 15 USC 1601. The three credit bureau added this transaction on my credit report in which I disputed the matter and the 30 day investigation led to XXXX deleted off my credit report which a decrease of {$190000.00} and Experian and XXXX  fail to follow suit. This has cause great damage to my name as well as my credit score to be in the negative for the last past few years which has cause a set back in personal life with legal issues as well.

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 2021-10-28
Company: Nelnet, Inc.
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ok.. @ nelnet has been sending me the same letters over a XXXX student loan that amounts to like {$4000.00} tht ive lived in poverty most of my life and could not repay so now this {$4000.00} loan from XXXX has ballooned to {$40000.00} they claim in repetitive letters.. and then they say i can have this discharged by sending letters of disaability ( which i have sent proof ) every time im on ssdi and have been for over 25 years living on {$790.00} a month.. when i send it then they say i have to have a doctors proof as well.! they wont stopp harrassing me! letter after letter.. last one was sent on XX/XX/XXXX, XXXX they keep saying wage garnishment may take pplace! i need help with this it is ridiculous..it was a XXXX XXXX SUBSIDIZED LOAN XX/XX/XXXX XX/XX/XXXX THEY JUST WONT STOP IT IS XXXX! AND THEY KKEEP ON NO MATTER HOW MUCH PROOF SEND THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I sent letters out certified over 35 days and have been notified. I feel like these guys are taking advantage of regular people. After recently reviewing my credit report I noticed several inconsistencies regarding the accounts information attached. I sent a second letter to the bureaus after 30 days because I haven't received and documentation.

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 2022-03-31
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: Credit inquiries on your report that you don't recognize

Complaint:
There are multiple inquiries on my credit report that I do not recognize. I called and was told I would have to file a police report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Experian Information Solutions Inc.
State: NV
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2022-03-29
Company: Experian Information Solutions Inc.
State: UT
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 attempted to sign up for an Experian account, and they said there was already an account made with my social security number that does not match my name, DOB, or home address.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the file. 
XXXX XXXX BANK XXXX XXXX Balance : {$27000.00} ; If the credit bureaus feel there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-10-28
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 my sister sent me money through our chase banks. She sent me too much so I was trying to send it back to her. Apparently the account being open on XX/XX/2021 was a problem for Chase bank as I was new and made too many attempts to send the money so they locked my account. I contacted the bank on the morning of XX/XX/XXXX to have my account open so I can pay my bills including my rent. In the 11 years that I am living here I have never been late this will be the first time. So I was asked some security questions which I answered correctly on my end. The issue was when the XXXX XXXX address came up I said I never lived there which I didnt my brother did. This was supposed to be removed from my account. Even after explaining that I never lived there they refuse to release the freeze and I am told now I need to wait for my debit card to come so by the time I get the card in the mail all of my bills will be late. All because I told the truth about not living on XXXX XXXX. At the time my brother lived on XXXX I was residing on XXXX XXXX XXXX XXXX I have been on the phone since XXXX it is now XXXX XXXX and nothing has been resolved I even offered to send them photo id and ssi card I was told that wont work. They kept telling me I need to go to a local branch and I keep telling them I dont have one so again their solution is go to a local branch. I offered them the tracking number to my debit card and they again said that wont work All I know is I answered the questions correctly and the one customer rep said I did yet they refuse to release the hold

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received communication from Resurgent Capital Management in regards to an alleged debt from original creditor, XXXX XXXX XXXX  in the amount of {$650.00}. Upon receiving the letter, I called Resurgent Customer Service and spoke with XXXX on XXXX at XXXX XXXX XXXX. I advised XXXX that I was formally initiating a debt validation request. XXXX advised me that she could start the process but I advised her that I wanted to do so via mail or email for tracking purposes. Reluctantly, XXXX provided an email address for the debt validation request. Per her instructions, I emailed XXXX on XXXX requesting debt validation. After a little over a week, I received a letter dated XXXX from Resurgent with an attachment entitled " Account Summary Report ''. This summary is attached and is a simple Word document. After reviewing the document and realizing it didn't meet the requirements of proper debt validation, I sent Resurgent a 2nd email on XXXX, attached, requesting debt validation again with details of what a proper debt validation is under the law. On XXXX, I received an email from Resurgent, attached, stating that due to the nature of my inquiry, my letter was forwarded to the appropriate department for processing and future communications regarding the inquiry will be sent via US mail to the address they have on file. This email came from XXXX XXXX. Since XXXX, I have not heard from Resurgent as promised. Three days later on XXXX, I received an alert from from XXXX, attached, that Resurgent added the alleged debt as a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: TN
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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: IL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the file. 
XXXX XXXX BANK XXXX XXXX Balance : {$27000.00} ; If the credit bureaus feel there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: NATIONSTAR MORTGAGE LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased this property on  XXXX   XXXX ,  2016   ( fo reclosure ). I have paid my Mortgage every month until  XXXX . In  XXXX ,    2016  my mortgage lender informed me that I owed {$8600.00} property tax that they paid on my behalf. I have contacted DCRA, and was told the property is classified as Vacant and Blighted, and D C Tax & Revenue Office to res olve this matter. I have done the leg work for the mortgage company from  XXXX  til now and provided them how they can  get their refund back from DC Tax Revenue Office, How ever, before this matter is resolved my mortg age loan has been sold to another company. I have started all over again explaining my situation, since they are demanding to get paid the above amount. In  XXXX  my first mortgage loan company return my payment and advised me that the loan has been sold to another company Finally after my case went to  the Tax Appeals Commission Court, and granted the request for removal of the vacant and blighted property designation, I have attached a few documents to support my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$300.00}

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 2022-09-12
Company: EQUIFAX, INC.
State: MI
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:
Based On 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged Identity theft, not later than 4 business days after the date of receipt. 


It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VILOATION Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Account : XXXX XXXX XXXX XXXX Account : DEPT OF EDXXXX XXXX

Company response to consumer: Closed with explanation