BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Specialized Loan Servicing Holdings LLC
State: MN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
After struggling for a long time to make my increased mortgage payment, I stopped making it, and during this time tried and tried to get a loan modification. Finally, after filing complaints and my sale coming up, I got a TPP. I made the payments and got the final docs signed and now I get my first billing statement and my payment increased {$200.00}. It does n't say why, but I am guessing it is escrow. I am guessing that now that my account status is back to current and out of foreclosure, an analysis was completed and my escrow is short. Then there is another " past due '' amount of {$100.00}. There should be no past due amount when my account was just brought current with a loan mod. I obviously can not afford these extra charges/amounts, if I could I would not have been in foreclosure in the first place.

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 2016-01-29
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was transferred to them from XXXX ( XXXX XXXX XXXX ). Since XXXX XXXX, XXXX. 
I have been trying to contact them to know how I am going to make my mortgage payments. So far they have not answering my requests. I am afraid they will charge me late payments fees and who knows what else. My next due payment is XXXX XXXX, XXXX. I have not received any notification from them, any information about how to make payments. Frankly when you talk to them even to make payments they are so rude that I do not want to spend more time with them. I got the money to make my mortgage payment on time but I do not know where to send the payment and they do not collaborate. I want not to imagine what will happen when they realize that they have not received my payments. Surely they will start charging late fees and reporting me a past due payments and everything else that happen when you do not pay your mortgage.. It is not fair and somebody has to stop them of doing this kind of scams. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Maximus Education, LLC dba Aidvantage
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Refund requested through Aidvantage per COVID update for payments made since XX/XX/XXXX on XXXX. At that time I was told 2-3 weeks to receive refund in my bank account via direct deposit. Called back XX/XX/XXXX to confirm everything was set and there were no delays because a friend mentioned they were told up to 10 weeks for processing. At that time I was told the timeframe is now 6-8 weeks until my balance would reflect the loans added back to overall balance on studentaid.gov a few more weeks until its updated in Aidvantage view and theyre unsure when Id receive a refund. The refund was requested because of the COVID update and financial crisis. I can not wait with no confirmed true turn around time and get a different answer every time I call. Theyre also not willing to share any sort of documentation or post any kind of updates to ensure the refund is in process and I dont trust that they are handling my request correctly or expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX 2022 XXXX XXXX XXXX flagged my credit for this XXXX debt from XXXX XXXX  I disputed it and have proof and it was taken off my report now a different company IC systems has brought the same report for same amount same company XXXX XXXX, I haven't had XXXX XXXX and I called the company IC systems and the man was so very disrespectful and rude for no reason and insisted that I was untruthful and hung up on me. I've tried to dispute this again to no avail. XXXX XXXX has knowledge of the situation as well as proof that is why they took it off. Now this is the XXXX time they have tried to give me this debt, it's unjust and I will not be responsible for something that is not mine.

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 2016-02-05
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX and Wells Fargo are debiting money from checking account prior to the check being cashed by the recipient. Here is what is happening : 1. check is scheduled for payment via a Wells Fargo account using XXXX 2. check does not arrive at recipient for various reasons. 
3. Wells Fargo removes $ from checking account on the day the payment is scheduled in XXXX, even thought the check was not cashed. 
4. Recipient calls me to find out where their payment is. I see that the $ have been removed from my account so I am thinking their has been fraud. 
5. I call Wells Fargo to understand what 's happening. Nearly 2 hours later and after talking with several people I find out that the payment processor automatically removes money from my account on the date payment was scheduled regardless of whether the check was cashed. 
6. I believe this should be considered fraudulent activity. The payment processor was not authorized to withdraw $ from my account prior to when the recipient of the check deposited the funds to their account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX wrongfully reported to all three credit bureaus that I had an overdue credit card balance of XXXX dollars. This information was incorrect. I have reached out to XXXX on XXXX different occasions once in XX/XX/2022, and once again in XX/XX/2022. I was informed that the wrongful reporting will be removed from all three reporting agencies. Unfortunately, it was only removed from XXXX, XXXX. Currently my XXXX score is XXXX because it does not show the incorrect late credit card payment. Trans Union and XXXX shows my score in the low XXXX because the incorrect late credit card payment is still showing on the reports. Ive reached out to XXXX and Trans Union for assistance in this matter and I have yet to hear back from them. XXXX has not been much of a help XXXX. any assistance in this matter will be greatly appreciated.

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 2015-10-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX released my new account number to XXXX after I closed the account and was issued a new credit card because of unauthorized activity on my account from this same company. When I notified XXXX I had XXXX knew charges on my account from Instantcheckmate, I was told they have arrangements with this company to release new account information for reoccurring monthly billing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX Account XXXX : XXXX Please remove it from my 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 2022-10-21
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: Their investigation did not fix an error on your report

Complaint:
XXXX Student Loans have been XXXX by the US Dept of Education. The status of the loans are XXXX ( {$0.00} ) and closed. XXXX is internally closing out the loans and sending them back to US Dept of ED. The credit bureaus should be prepared for the millions of XXXX loans, and be able to update credit files expeditiously. I have submitted all XXXX bureaus with unrefutable proof of this, and they still are reporting incorrect information. 

Here is additional information : print out of my acct statement from XXXX that shows my loans are at XXXX ... ...... 

FIX MY XXXX CREDIT REPORT TRANS UNION, XXXX AND XXXX. Before I had this to my currently lawsuit against XXXX of you all.

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 2016-04-27
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
The XXXX XXXX union cancelled my automatic bill pay when funds was available, they did n't notify me and I could n't get to my funds and late payment was reported and the late fees was charged to which I had to pay to protect my credit, the credit union is during nothing to correct the issue other than emailing every day and not the affected company 's XXXX fit the problem

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
a XXXX transaction wells had me to make along with a wells to XXXX  transacton that did not go through they have me losing {$1000.00} because they had me to do a transaction to my sons account when 2 wells banks refused my service becasue of my XXXX, they will say they dont believe in that but the way i was humiliated the cameras dont lie neither transaction went through i had to cancel the XXXX  transaction in order to recover those funds and they went the 7 day process to deny the XXXX  claim also denying the fact that i had fraud on my account the day XXXX  fraud transaction kept me from receiveing my funds i am owed XXXX from wells fargo... THEY WOULD NOT GIVE ME BANKCARD FOR THE LAST 2 MONTHS I HAD ACCOUNT AND THEY MADE A QUICK DECISON ON XX/XX/XXXX TO CLOSE MY ACCOUNT OWING ME THIS AMOUNT OF MONEY..WHICH IS NOT RIGHT... .IF I OWED THEM THEY WOULD HAVE ME IN EVERY CREDIT SITE YET I DONT HAVE THE RESOURCES THEY HAVE AND THEY HAVE TAKEN MY XXXX FROM A FRAUD TRANSACTION THEY CREDITED EVERYTHING ELSE ON MY ACCOUNT ON THAT DATE XXXX TRANSACTION AND A XXXX TRANSACTION BUT REFUSED TO CREDIT THE {$320.00} FROM XX/XX/XXXX AND A XXXX XXXX TRANSACTION FROM THE BEGINNING OF 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 explanation
Consumer complaint received 2021-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have no knowledge of this account according to the FCRA this item must be removed

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 2015-09-17
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Good Morning, I am contacting the CFPB again about my account with Ocwen Servicing , Ln # XXXX, Since the last time I have contacted CFPB supposedly the account was corrected. Yet, the account is now showing two payments past due when just the day before it was due for XX/XX/XXXX. I have no clue what is going on as Ocwen sends notices, but nothing matches up to what they are doing. Please note previous complaint as I an get very upset with the manner the account is being handled again. To my records the account is up to date, and due for XX/XX/XXXX. I would like the CFPB to do a complete audit on my accounts as I have no confidence with nor trust Ocwen Servicing. I honestly think they are taken advantage of the loan modification as my balance keeps going up. I had financial problems in the past, but I am coming in good standing these days. Please, please have someone audit my account as I trust you all and have the confidence it will be handled correctly. I am trying to maintain and move forward and Ocwen keeps make changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX  XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX Bank : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Lending : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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.

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 2022-10-12
Company: Unlimited Progress Corp
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked the collection company ( Creditors Discounts and Audit ) to send me proof of debt because I was not aware of any for XXXX XXXX XXXX XXXX XXXX. Nothing has been sent to me.

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 2016-11-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I paid my payment on time & they sent in info to credit agency that I did not, I have proof it was paid on time but the refuse to remove it & even made it now show 60 days after I filed complaint to have it removed. They have place many 30 day late payments on my credit I should not have & they will not remove, you can see they even have charged my fees even after it shows it was paid at the time. This is more of Wells Fargo criminal activities.

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 2017-02-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Issue: Rewards

Complaint:
I SAW PROMOTION FOR CREDIT CARD ON XXXX FOR WELLS FARGO CASH WISE CREDIT CARD ON XX/XX/2017. THIS PROMOTION WAS SHOWING THAT CUSTOMER WOULD SPENT {$1000.00} IN FIRST 3 MONTHS OF OPENING ACCOUNT GET {$150.00} & ALSO 1.5 % BONUS ON TOTAL PURCHASE. I SPENT {$1000.00} IN FIRST MONTH STATEMENT. I RECEIVED MY FIRST STATEMENT RECENTLY, BUT I DID NOT FIND ANY BONUS OF BOTH AS PER PROMISE BY WELLS FARGO. I FEELS THAT IT IS A SCAM BY THIS BANK. ALTHOUGH I FULFILL ALL REQUIRED CONDITIONS TO GET BOTH BONUS. THIS BANK WAS KNOW FOR LOT OF FRAUD IN MEDIA IN PAST. CEO OF THIS BANK APOLOGIES IN PAST IN SENATE AND MEDIA FOR THOSE FRAUDS.I DO NOT TRUST THIS BANK FOR MY BONUS.CUSTOMER SERVICE OF THIS BANK IS VERY BAD & RUDE.

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 2022-10-21
Company: Experian Information Solutions Inc.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00} and XXXX  XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2016-12-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo continues to collect overdraft fees on my checking account even though I have requested a freeze as there has been money illegally taken out of my bank account after I had written XXXX checks. i call and ask for solutions and they are unable to assist me in any way. I have experienced poor customer service, a significant amount of money collected by them and no consumer protection from Wells Fargo. 
I deposited a check last week and ws not informed a hold would be placed on the funds so wrote another check. They collected more overdraft fees as a result of this and will not look into the issue further.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Invested for retirement in a Wells Fargo time account CD XX/XX/2008. I have attached original documentation. Branch manager as well as corporate office have no information/record on this account or where money went. No details about this account other then rolled over XXXX/XXXX/2008. No other record of account.

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 2022-10-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX Student Loans have been discharged by the US Dept of Education. The status of the loans are XXXX ( {$0.00} ) and closed. XXXX is internally closing out the loans and sending them back to US Dept of ED. The credit bureaus should be prepared for the millions of discharged loans, and be able to update credit files expeditiously. I have submitted all 3 bureaus with unrefutable proof of this, and they still are reporting incorrect information. 

Here is additional information : print out of my acct statement from XXXX that shows my loans are at XXXX ... ...... 

FIX MY XXXX  CREDIT REPORT XXXX XXXX, EQUIFAX AND XXXX. Before I had this to my currently lawsuit against 2 of you all.

Company response to consumer: Closed with explanation