BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had tried to get a loan adjustment. They said they could help but come to find out the company that they hired to help them apparently took the money and disappeared. So the whole time I was making payments, Wells Fargo was not receiving them. It ended in foreclosure. We had to move out and Wells Fargo was at the court house bidding on buying it back. Without giving me a chance to fix the wrong they did to me. It was foreclosed on in 2014 we owned the house before this

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 2022-12-23
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: Account status incorrect

Complaint:
XXXX XXXX, XXXX, XXXX  XXXX, Equifax, XXXX XXXX, XXXX credit card, XXXX, XXXX all continue to report on my credit bureaus I have constantly sent in numerous disputes and affidavits asking to verify and delete of accounts I've sent in a police report they have deleted the accounts and then they reappear back on to my credit bureaus I have contact these companies CFO and Underwriters to speak to about the debt that they are claiming they're trying to receive but they state that they are not the ones reporting that is the credit bureaus that continue to report. Hard inquiries continue to be inquiried, accounts reappear as if they're new accounts, negative reports of closed, under the FDCA and in GOOD FAITH asking to be deleted. I have sent in police reports I've sent in affidavits and the accounts are already closed they're reporting is damaging my. PRESENT & FUTURE I am not able to get business credit, personal credit, Loans, a Mortgage so to be a productive citizen I need revenue and without credit there's no Revenue this is detrimental to my livelihood mental stability and physical wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Radius Global Solutions LLC
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company called me on XX/XX/2023 and left a vm. I returned their call today. They tried to pry personal info from me. The first time I called, the woman lied and said she worked for XXXX XXXX XXXX XXXXXXXX XXXX. When i refused to acknowledge the debt as valid or give her any info about me, she hung up on me. I called 2 more times. The third time the person told me he worked for a third party For XXXX XXXX XXXX XXXX XXXX. I asked him if he worked for XXXX or not. I demanded to know who he worked for and he said Radius Global Solutions. I then asked him was it a scam company. He never responded to that question. XXXX reviewers say this company extorts money from people who do not want negative items on their reports so they pay. Its extortion. We need our government to protect us from these kinds of predators

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 2023-12-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-05
Company: Frontline Asset Strategies, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
checked credit report, had new report of a debt with FRONTLINE ASSET STRATEGIES stating I owe over {$3000.00} for a debt with XXXX XXXX, I filed a complaint with the police, XXXX XXXX fraud deprt and the frontline reporting that this is not my debt. I have never had XXXX XXXX ( or an XXXX that was reported to be on the account ) i have never even stepped foot in a XXXX XXXX store but apparently an acct was opened in my name at a store, we have requested proof that this debt is mine, how did they verify my identity to open account and have gotten no response from XXXX XXXX or frontline asset

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the same problem that was resolved in my last CFPB complaint. I do not understand why this is occurring again, this time with a different collection agency. Please help me resolve it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a serious problem. I got a care credit account, the emergency vet reccomended when my dog was attacked, they said its great and interest free. then when paying my bill one month syncrony advertised i get a discount on my pets best monthly bill if i use my care credit on auto pay so of course, why not, trying to save money. I got a notification from the credit bereau that my card had significantly increased the balance which i thought was strange because have not used for a while and been making pmts of over 100 monthly so assumed i was almost getting close to having the balance to zero. Imagine my shock and horror when my balance is over XXXX and 90 % is interest charges. also, they periodically without warning delete auto pay from my account so they can then charge me a late fee. I would never in a XXXX years have used this service if i had known they would charge me interest, not even reasonable interest, they have every single time ive used this card still active and im monthly being charged for the full purchase even if only owe XXXX, there are like XXXX purchases that i owe less than a dollar but they then start putting pmts towards another charge so they can charge me for all of them? this is on a card that was sold to me while my dog was in serious bad shape and its supposed to be XXXX interest. i cant afford this, im gon na have to go bankrupt, this company syncrony has ruined me, every other acct i have is in good standing, XXXX issues and it feels like its got to be illegal, i know its immoral and terrible way to treat people. im at a loss, they give confusing, and conflicting info on the website. no way to even tell what charges are from where, for the past year the only charges are huge interest charges, XXXX $ per month on several occasions and no explanation. how can they do this on an interest free medical assistance card? its unfair, i would have never ever got this card if it wasnt pushed on me as no interest. sure as heck wouldn't have had a recurring charge made on this card for a discount, only to pay XXXX the discount in interest. its false advertising, fraud, extortion, how are they allowed to ruin poor people in this way? please help

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 2023-02-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

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 2023-01-17
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX Account # XXXX Date Last XXXX Last Reported : XX/XX/2022 Cease and desist This account does not belong to me nor do I have any knowledge of this account This account does not reflect on any of my other credit bureau reports if need be will seek legal action In case my personal information has been compromised and fraudulently used, I am formally requesting any document authorizing use of my identity or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio recovery, a debt collector keeps calling me multiple times a day every single day, when I block a number they call me from they call me from a different number. This has been going on for YEARS now. The debt started with XXXX XXXX, which I DID NOT take those credit cards out, my ex boyfriend did and ran them up {$4000.00} on each card. I contacted XXXX XXXX and explained it was fraud and they told me that there is nothing they can do I'm responsible for paying it, long story short they cut the debt in half, I paid around 55 % of the debt and I told them I am NOT paying anymore because I should of had to give them a cent in the first place. Now portfolio recovery will NOT stop harassing me! Something needs to be done or I will take legal action. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: EQUIFAX, 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:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: NJ
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:
I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX - Notified there was a security freeze/fraud on my account when trying to use XXXX XXXX XXXX XXXX  XXXX XXXX 

- Phone Call was placed to Equifax at ( XXXX ) XXXX and was told they could not locate my account. They used my social security, name, and Birthday, but were unable to locate my account. I was informed it would be looked into. 


XX/XX/XXXX - Follow Up phone call to be informed I needed to verify my identity to get a potential fraud or freeze lifted by mailing a Cover Letter, a copy of my Driver 's License, and a copy of my Social Security to XXXX XXXX XXXX XXXX, Georgia XXXX. I was informed it could take a month to receive a response. 


XX/XX/XXXX - Follow-up Phone Call in regards to not receiving any response from Equifax. I was now directed to fax the same information I had mailed to the address I received on XX/XX/XXXX to Fax Number XXXX I was informed I should receive a response or the issue should be resolved in XXXX Business Days. 



XX/XX/XXXX - A fax was sent with the required information. 



XX/XX/XXXX - A phone call was placed to follow up on the fax in which I had heard no response. They could still not locate my account and I was asked again to mail the exact same information that was previously sent on XX/XX/XXXX and XX/XX/XXXX. 


XX/XX/XXXX - A letter was received from Equifax stating : 1. I have not applied for Credit.

2. I have not actively used credit in the past 10 years.

3. I do not live in the US/have not been issued a social security number.

- I have a credit card. 
- I have had my credit ran with XXXX issues since at least XXXX when I rented my first apartment. 
- I was born in XXXX served for XXXX  years and XXXX in the XXXX XXXX, so I am a citizen with a Social Security Number. 

- A phone call was placed to Equifax to follow up about the letter I was sent. I spoke to a man named XXXX. He tried my Social Security, Driver 's License, Birthdate, Current and Past Addresses, and Credit Card Number to still tell me I did not exist. 

- I informed him that I can log on to my XXXX Account without issue and can see my up-to-date Credit Report and Score. 

- XXXX informed me that starting XX/XX/XXXX, there would be a XXXX investigation period in which he would look deeper to find and resolve the issue. I was told I would receive communication from Equifax either from himself or another employee by phone call or email. 

I have still not received any communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XXXXXXXX XXXX XXXX my identity was stolen. An individual went to the bank and cashed two fraudulent checks under my name. I was unaware of the transactions and found that the bank withdrew around {$4500.00} from my account to repay the fraudulent checks that were cashed using my identity. 

Since XXXXXXXX XXXX XXXX  I have made a police report for stolen identity and have spoken to the police multiple times to assist with the case. I have also contacted the bank over twenty times to release the footage to myself or the police. The bank has never pulled the footage and have not cooperated with the police to help find the individual that stole my identity. When I call the bank, I am told that they will " make notes '' and " tell the supervisor ''. It has been a year and I have not been refunded the money that was stolen from me. The bank will not cooperate with me. The bank will not cooperate with the police. I have been unable to speak to someone in an authoritative position to help resolve these issues. 

Since the money was taken out of my account, I have struggled to pay rent, my car notes, utilities, groceries, and other various bills. I have never overdrafted with this bank, nor have I ever been in bad standing. The bank allowed someone other than myself to come in and cash checks under my name without the funds being in my account. The bank allowed the identity thief to cash two checks in the amounts of {$12000.00} total without the funds being in my account. 

I have done nothing wrong and have been punished by this bank for the wrongdoings of others. I am financially struggling and would like the money that I earned returned to me. I filed police report. I have cooperated in any way that I can and can not get answers or resolutions from the bank. My balance is negative {$8000.00} as of now and I am out of options. Please help me get back what I worked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items 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 items : XXXX XXXX XXXX XXXX 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 2023-01-06
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-06
Company: Experian Information Solutions Inc.
State: GA
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 FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-10-14
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received a refund from my school on XX/XX/22. 
Venmo has locked and restricted my account everyday since to the extent I have only been able to access my money 2 or 3 times. I have told them repeatedly that all I wanted was the ability to transfer my money out of their bank. So now Im only able to score my balance and put money in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts were opened during a time when I did not live in the U.S, I was between XXXX and the XXXX XXXX XXXX. I have filed an FTC report which I'm including plus additional documentation which proves I did not live in this country while this identity theft was happening. 

I'm providing my XXXX passport, XXXX application and XXXX passport. As you can see I was out of the country all the time that these collections happened. 

The accounts in question are : XXXX  XXXX XXXX XXXX {$5800.00}, XXXX XXXX {$32000.00}, XXXX XXXX  XXXX {$6900.00}

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