BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
On XXXX/XXXX/2023, I received a call from a Wells Fargo that turned out to be an impersonator. During the call, the Wells Fargo impersonator obtained my log-in credentials and used those to 1 ) attempt a wire transfer and 2 ) take cash advances/make charges totaling {$7300.00} on two credit cards associated with my small business account. During the call I noticed strange comments, so I hung up, and called Wells Fargo to report the incident. Wells Fargo immediately stopped the wire transfer and issued a {$2500.00} credit to the small business credit cards ; however, I dispute the full amount of {$7300.00}. Wells Fargo denied my claim on XXXX/XXXX/2023, and since that time, I have repeatedly and consistently requested help through the XXXX Assistance XXXX for XXXX XXXX XXXX. My request is that the XXXX investigator re-open and review the full case, and the facts will clearly show that all charges on the cards since XX/XX/2023 are related to the same fraud incident. Unfortunately, since XXXX/XXXX/2023, Wells Fargo has been unwilling and unable to respond to my requests. Each time I call the XXXX Assistance XXXX and present my case number, I reach a new customer service representative who is unable to contact the XXXX investigator directly. I have attempted to submit supporting documents by fax ( XX/XX/2023 ) and email ( XX/XX/2023 ). As of this writing, Wells Fargo XXXX XXXX XXXX can not confirm whether the XXXX investigator has received or reviewed these documents. During my XX/XX/2023 phone call to the XXXX Assistance XXXX, the customer service representative advised that he would create escalations claim and submit on my behalf. Since that time, I have been assigned an escalations representative in Wells Fargo XXXX XXXX XXXX XXXX XXXX. I sent ( via certified mail ) a copy of my case to my assigned escalations representative. Proof of delivery shows the package was successfully received by Wells Fargo. As of this writing, the issue remains open and unresolved. I am submitting this complaint to CFPB because Wells Fargo 's failure to act timely is impairing my credit.

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 2020-10-25
Company: Experian Information Solutions 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:
DEPT OF ED/XXXX Last reported XX/XX/2020 {$37000.00} Reported balance DEPT OF ED/XXXX Last reported XX/XX/2020 {$31000.00} Reported balance these accounts belong to someone else

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 2023-07-14
Company: Experian Information Solutions 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2021-07-21
Company: NAVY FEDERAL CREDIT UNION
State: OH
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:
On XXXX XXXX I sent a credit validation letter was sent to Navy Federal Credit Union asking them to provide me with a contract that show my wet signature connecting me to the an account that is XXXX, XXXX  and XXXX  credit reports, in the amount of {$3900.00}. On XXXX XXXX I received a letter in the mail stating that the account is " verified. '' My request was not granted, and sending a stall tactic saying that the debt is verified without showing how it was verified is a violation, according to the 15 USC 1692 -1692p. 


Also, on XXXX XXXX I sent a credit validation letter to XXXX XXXX XXXX XXXX another account that is fraudulently listed on my credit report. I was unsuccessful with getting a response from this company. So, I called this company on XXXX XXXX and was told that they do not have a contract with my wet signature, however the debt is verified. I never received anything in the mail regarding my request and this account is only being listed on my XXXX  credit report, which is indeed a violation, since each bureau should mirror one another. 


Additionally, An account listed with XXXX XXXX XXXX XXXX who's a debt collector for XXXX XXXX XXXX XXXX  is being reported to XXXX, XXXX  and XXXX. This account appears to be a medical bill. I reached out via phone to this company on XXXX XXXX and explained that this is a HIPPA violation, and this account needs to be deleted immediately and no information should be shared to any third parties in the HIPPA law. The representative was noncompliant and hung up the phone. 


Finally, There is an account listed on my XXXX  credit report with no original creditor or collection agency being reported, by having this misinformation I was unable to contact the company directly. I contacted XXXX  and the representative stated that she was unable to remove the account, and I had to dispute it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted an application to revise my payment plan from IDR to PAYE/ REPAYE on XX/XX/XXXX. My IDR payment amount was about {$540.00}. I had NO choice but to allow my account to go into forbearance to permit this.
At the beginning of XX/XX/XXXX when I got updated information, I spoke with a customer service rep which told me I had no choice but to pay a forbearance amount that would NOT count towards my PSLF. If I paid, I would have my new repayment amount for XX/XX/XXXX. The amount wouldnt be direct debit, so Id have to pay manually. I signed in and paid {$540.00} on XX/XX/XXXX. It was due XX/XX/XXXX.
At the end of XX/XX/XXXX around the XXXX or XXXX, I called FedLoan again to ask when I would know my new repayment amount and roughly the amount. They told me about {$470.00} and I should know within 2 weeks.
This morning I received an email for payment. I signed in expecting to see my new repayment amount, but instead I see they are charging me {$970.00}. Panicked, I called to find out if there was some error that they would easily fix.
I was told they couldnt process my new plan in time, so I now have 2 choices : choose forbeance and delay my PSLF by yet another month, or pay {$970.00}. My new repayment plan will probably start in XX/XX/XXXX.
I asked why its done this way each time Ive called. Each time Im told this is the way the federal government chooses to do it. This is extremely discouraging. I opted to change my repayment plan to help improve my situation. If Id known it required essentially delaying my PSLF by 2 months and mountains of stress, I probably wouldnt have done it. This process is disheartening and demoralizing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am lifting the Cease and Desist order. Provide me the all documentation on this alleged account including the Sale Assignment ( how to submit it to me is in the letter attachment ). Mary Jane M Elliot is collecting on behalf of XXXX XXXX for an account I have no knowledge of. I have never had an XXXX account at XXXX XXXX XXXX, XXXX MI XXXX not even in XXXX as they representative XXXX XXXX stated. They stated the account was open in XXXX and charged off in XXXX which is impossible because my account was not in use at that time. I contacted XXXX they has never had an account for me with that address nor is there a past due old balance. I was not living on XXXX in XXXX its impossible for that to be my account provide me with strict proof. Check Attachment. Failure to provide it within 10 days will lead me to filing a police report and FTC report on Mary Jane employees who are involved in this account along with XXXX XXXX.

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 2022-12-26
Company: Experian Information Solutions Inc.
State: AR
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. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. 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 2018-11-08
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
last XXXX i was making a payment, on time, to specialized loan service SLS. i went online to do this. 
i was duped by a company XXXX. a third party pay scam. never submitted payment yet they processed it anyway and charged me XXXX to do so. 
i never hit their submit button! 
anyway not knowing they submitted it I then called SLS a few minutes later to make a phone payment instead, which i did. that is two payments i made the same day. I thought i made a one payment. bank called to tell me i was overdrawn on that account.

i immediately called SLS and told them what happened. Since they received two payments in one day they said they would send one of them back. XXXX payment back in 10 business days by mail. 
that did not happen and after 27 business days i called them to see what happened to my money and after speaking to them they agreed to credit me and to apply that amount XXXX for my XXXX payment. So all is cool i thought till late XXXX when i get a letter from SLS telling me they electronically sent a refund to my bank. This refund was my XXXX payment and i receive a month and a week later So i called them and sent it back to them via phone immediately. 
Ok, its now XXXX, i go to make XXXX payment and they say i owe for XXXX after they have been paid for XXXX. 
I talked to them 12 times to resolve. They agree with me, tell me all is good and i have all the id numbers of their persons i spoke with. 
Ok, i go to make XXXX payment and they inform me i owe a late charge for last month. i almost fell off the floor! so they review and once again they tell me i right and wave the late charge. 
each time i ask them about my credit report and they all made claims it would not be reported and no harm to my credit score. you can guess the rest, my credit score takes a beating i am trying to rebuild my credit after injury. if you could help i would be soooo grateful. thank you ..

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2022-05-05
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the company reporting the XXXX collections advising they were in correct I contacted XXXX XXXX XXXX who supposedly reported the collection and they confirmed I had a XXXX balance and no transactions for the dates they were reporting nothing has been done to my satisfaction and I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Lender illegally threatening to repo vehicle during COVID-19 Pandemic ( I live in the state of MD and we are still under a State of Emergency. I lost my job on XX/XX/2020 and have explained this to the Lender multiple times. I am familiar with their scheme. When you don't answer at least three of their phone calls they send the repo letter. However, as indicated, we are still under a State of Emergency and at the time the Lender sent the letter I was only 35-45 days late and had been in FULL communication with them of my situatuion. I am currently only receiving {$170.00} in unemployment per week with a mortgage of {$1600.00} and other utilities. I am doing the best that I can with the meager savings that I did have prior to the pandemic ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
Request your assistance due to redlining activities by Bank of America ( BOA ). XXXX XXXX XXXX XXXX lives in a largely XXXX community of XXXX California, has been trying to change her XXXX mortgage accounts to her estate since 2019. My mother recently passed away so I have been trying to do the same with BOA as her trustee with no avail. I have provided legal documentation that I am the trustee and the accounts have to be moved to the estate. I have received the same run around as my mother did and that BOA keeps losing the paperwork on numerous occasions. I believe BOA was hoping to take her properties away without notice and has been discriminatory in their actions.

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 2023-07-14
Company: Experian Information Solutions 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 have filed an identity theft report because someone has used my identity information ( name, social, phone, etc to open accounts in my name. They have also opened a XXXX XXXX  bank account with my information and a different address. I have spoken to the XXXX XXXX XXXX restoration case team on several occasions. They have been helpful but there are still fraudulent accounts coming up on my credit report. I put a freeze on opening any new accounts

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 2022-05-05
Company: EQUIFAX, 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 filed an identity theft XXXX report. I have repeatedly tried to communicate with the company about inaccurate information reporting on my file. No communication has ever been received after multiple attempts and no one is helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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 filed an identity theft XXXX  report. I have repeatedly tried to communicate with the company about inaccurate information reporting on my file. No communication has ever been received after multiple attempts and no one is helping 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 non-monetary relief
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-23
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Sir or Madam of CFPB, this is the fourth /x4 ) time I claim for this other issue and the first time you close it ; Please, you are a USA Authority and I ask you no more discrimination with myself I had enougth with Citi people. THIS CLAIM IS NOT ABOUT THE CRIMES CITI XXXX DID TO MY MOTHER AND TO ME. Please Sir. or Madam, of CFPB pay attention before closing a claim ; Thank you. I loosed 4 years of interest on my savings because the many account office I had all this year none attend me the phone or emails and I loosed the inerest of all this years and this was another damage to my finance ; DO NOT CLOSE AS DUPLICATE, THIS IS ANOTHER ISSUE

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I sent a letter off on XX/XX/2023. Here is my tracking # XXXX. To remove personal information that I don't not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institute is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

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