BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-18
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo has taken of {$5000.00} from me in " fees '' since XX/XX/2016 ... about XXXX % of my yearly income has been taken by Wells Fargo in " fees ''. Wells Fargo has just recently taken {$1200.00} from me in " fees '' from XX/XX/XXXX to XX/XX/XXXX. XXXX separate instances of {$35.00} " fees ''. That is equal to my bi-weekly paycheck. During this time a Wells Fargo ATM jammed, holding half of my deposit and freezing the ATM. I told Wells Fargo and they adjusted, then reversed the adjustment on my account without warning, making it impossible to know the balance ... and then charged more fees. A few weeks later Wells Fargo froze my account, not allowing me to make deposits at ATM 's and not explaining why. Without the deposits, i could not pay bills, causing me to lose my health insurance and make other bills late ... Wells Fargo sent a letter 3 days after the hold as a " notification '' ... and all the while charged more fees. I made a {$1000.00} deposit and Wells Fargo held it for over a week. When I called the branch they said " because I had incurred so many fees they were holding the deposit because they thought it may not clear?! I explained this was a check from my father ( with the same last name and who was willing to call the bank!! ). They instead just rudely hung up on my and continued to charge me fees..though I did n't randomly get a phone call from a Wells Fargo employee days later saying they changed their mind and released the funds??? More of my money has been taken by Wells Fargo in " fees '' then has gone to any other single business entity. I have been financially ruined and my credit destroyed ... I work hard, around 60 hours a week and have me crushed by this bank and do not know what to do ...

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 2016-05-31
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I 've been a Wells Fargo checking account holder since XX/XX/XXXX. Never 1 NSF overdraft, late payment, or negative notice on my account. Without notice or warning I learned today my account was put on hold for review on XX/XX/XXXX and will be closed effective on XX/XX/XXXX while I have no access to my funds Wells Fargo put a hold on my posted funds of over ( {$5000.00} ). This was all done with any explanation for the account closure. There is a rule in the law that basically says that when two parties are bound by a contract, and only one of the two has written the contract, then they MAY NOT interpret it to their own benefit outside the express written language of the contract. Wells Fargo has done just that, and they are now holding my funds. Please investigate. Attached is my XX/XX/XXXX to XX/XX/XXXX statement. Total account balance is {$5200.00} as of XX/XX/XXXX. 


Thank you, CF

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 2015-10-10
Company: TekCollect Inc.
State: NE
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
TekCollect of XXXX XXXX. XXXX XXXX, XXXX, OH XXXX, has sentme XXXX collection letters without a legal judgement. Originaldebtor is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. FTC # XXXX ( G ) requires a legal judgement before they can harass me for a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: AZ
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:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any accounts which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXXXXXX 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 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 EXPERIAN 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 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 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 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 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 2022-06-04
Company: EQUIFAX, INC.
State: AZ
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:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any accounts which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: ACS Education Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been in XXXX for two years, and entering my third. ACS has continually, through the three years, continued to withdraw a monthly amount, and claims they have no record of my enrolling in school ( no other lender has this issue ). Furthermore, I can not get a person on the line now, because every time I try to call, the system gravely informs me that my account and social security number are incorrect, and to 'call back when I have that number. ' Again, I am entering correct information. ( Although the website says it does n't display the full account number, with is supposed to be found under a non-existent general info tab ). This is beyond frustrating, and ACS should be held accountable in some way. Please help me contact them and get this issue ( that should not be an issue ) resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
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:
On XX/XX/2022 I sent Equifax certified mail via USPS which included a police report of my name, ssn #, address was being used on the dark web by someone else. It was delivered on XX/XX/XXXX according to USPS. 
On XX/XX/2022 I contacted Equifax to follow up with my concerns to delete these XXXX inquiries XXXX XXXX XXXX  from my credit report. I spoke with a representative XXXX XXXX and he denied that Equifax never received my certified mail which was false! I will provide attached documents of the certified mail. I have never applied or have any affiliation or any open accounts with XXXX XXXX XXXX. I have also contacted XXXX XXXX XXXX  to provide verification and signatures that these XXXX inquiries belong to me? Its been over 60 days and no response from XXXX XXXX XXXX. I am asking kindly to delete these XXXX XXXX XXXX XXXX  inquiries from my credit report immediately or legal action will be considered to have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
ON XX/XX/XXXX WE VACATED A PROPERTY LOCATED AT XXXX XXXX XXXX XXXX IN XXXX XXXX NJ. ON THIS DATE IT WAS INSPECTED AND PHOTOGRAPHED AND MET WITH THE STANDARDS OF XXXX FOR A DEED IN LIEU. 
THE SERVICER WAS SETARUS AND THE RELOCATION AMOUNT WAS XXXX. 
THIS WAS THE AMOUNT OFFERED AS THE PROPERTY WAS LOCATED IN NJ AND WAS CONSIDERED A HARDEST HIT STATE. THE FINAL TRANSFER PAPERWORK WAS EXECUTED ON XX/XX/XXXX. WE WERE SUPPOSED TO RECEIVE THE XXXX CHECK WITHIN 30 DAYS. TODAY IS XX/XX/XXXX WE STILL HAVE NOT RECEIVED THE CHECK. I CALLED SETARUS TODAY AND WAS TOLD THEY MAILED A CHECK FOR XXXX YESTERDAY. WE WERE PROMISED XXXX NOT XXXX. I FEEL SETERUS DEFRAUDED US OUT OF XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  accounts ; XXXX XXXX XXXX XXXX  ( # XXXX ) amount : {$620.00}, XXXX XXXX XXXX XXXX ( # XXXX ) amount : {$870.00}, US DEPT OF EDXXXX XXXX XXXX XXXX ) amount : {$4700.00}, US DEPT OF EDXXXX XXXX XXXX XXXX XXXX amount XXXX {$2300.00}, US DEPT OF EDXXXX ( # XXXX ) amount : {$3700.00} XXXX XXXX XXXX XXXX  ( # XXXX ) amount : {$570.00}, XXXX XXXX XXXX  ( # XXXX ) amount : {$140.00} 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit credit reporter act conversion. 
Account number XXXX has violated my rights XXXX XXXX XXXX Balance XXXX Account number XXXX has violated my rights XXXX XXXX Balance XXXX Account number XXXX has violated my rights kick off lending XXXX XXXX Balance XXXX Account number XXXX has violated my rights XXXX XXXXXXXX XXXX XXXX  XXXX. Bankruptcy XXXX XXXX dismissed

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 2015-04-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
N/A account # XXXX This is inaccurate report and needs to be removed. I 've had health insurance since 2002. I pay my Co-pays/deductibles before receiving services. If they are owed additionally they did not provide me an original bill and did not provide me an opportunity to pay it however, I do n't believe I owe them anything then. I do n't know who this is or what this bill is for. Please provide proof of what I owed you, what the service provided date, and what the service provided was. This needs to be removed from my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold checking account with Citi Bank in redemption of a promotional offer for XXXX XXXX XXXX miles after completing {$1000.00} in debit card purchases and completing a bill pay in two consecutive months. After quickly meeting the requirements of the offer, I contacted Citi via secure message ( on XXXX/XXXX/16 ) to confirm the satisfaction of the requirements ( reference # XXXX ) and received word that I had successfully satisfied all requirements of the offer and should " expect to receive your bonus miles no later than your XX/XX/XXXX statement cycle. '' Since then I have contacted Citi by phone and by secure message ( on XXXX and XXXX/XXXX/16 ) and they continue to postpone the originally promised fulfillment date, claiming that there is an ongoing investigation regarding my miles and citing the high volume of investigations to justify their reluctance to pay out the miles they had promised. 

I have been in communication with Citi for several months now with no resolution, and have n't been able to get useful responses from the Citi staff regarding the fulfillment of the offer. Overall it seems like the company is just trying to drag this out as long as possible so that I give up and miss out on the points they had promised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-02
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Approximately 6 months ago, my employers payroll account was hacked into and stolen all of our personal information was stolen. Identity theft has several accounts open. One was thru Navy FCU. I called several times to have this account closed due to identity theft. Everytime I spoke with someone about it, supposedly they closed the account and they were going to send out an affidavit to complete and send back ( never received ). Last call was one month ago about this situation. And I am still receiving monthly statements in the mail and have not received the affidavit. Also when this account was open, it put a hard hit on my credit score. Not happy. If I closed an account esp due to identity theft, I should not have to call every month when I receive a monthly statement to find out it HAS not been closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the FCRA ; The list of accounts below, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # XXXX Has Violated My Rights XXXX XXXX Acct # XXXX Has Violated My Rights. 
XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX Acct # XXXX Has Violated My Rights XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX Acct # XXXX Has Violated My Rights. 
XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX XXXX Acct # XXXX Has Violated My Rights 15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Exeter Finance Corp.
State: FL
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:
Delete Late payments from Exeter Finance from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states .

( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  accounts ; XXXX XXXX XXXX XXXX  ( # XXXX ) amount : {$620.00}, XXXX XXXX XXXX XXXX ( # XXXX ) amount : {$870.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) amount : {$4700.00}, US DEPT OF ED/XXXX XXXX XXXX XXXX ) amount : {$2300.00}, US DEPT OF EDXXXX ( # XXXX ) amount : {$3700.00} XXXX XXXX XXXX XXXX  ( # XXXX ) amount : {$570.00}, XXXX XXXX XXXX ( # XXXX ) amount : {$140.00} 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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