BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2020 I reached out to Wells Fargo regarding a escrow issue that occurred on my account. The issue was explained to me and I advised them that I worry that due to the fact that my husband may lose his job I may be struggling to make payments on time. I was advised to not worry as they had late payment forgiveness at the time but to look online into options for payment deferment. That put me at ease at first. Come XXXX my husband indeed lost his job and we struggled for a little while. I knew I would be late on few of the payments but did not worry too much as there was hope that turned out true that he would find another source of income. Secondly I was not too alarmed as I was told that there is late payment forgiveness by the Wells Fargo representative who handled my call regarding the escrow issue. Lucky we were able to work hard and not have to apply for the deferment. In XX/XX/2020 I check my credit score and find out that they reported 4 late payments to the credit bureau for the months of XXXX - XX/XX/2020. During this time we never received a clear notice that the payment forgiveness period has expired nor did the representative make me aware that if I do not apply for the forbearance program that it will negatively impact me. I am certain that I called Wells Fargo again in XXXX to make them aware of my hardship but they claim that they do not have an inquiry, although I still have notes from that call. In XXXX and XXXX I paid the outstanding balances in two lump sums. I have a excellent payment history with all my creditors for at least the last decade. In XXXX I reached out to the Wells Fargo executive office and opened a claim as well as explained the situation and asked for removal of the late payments due to the confusion of late payment forgiveness during the Covid pandemic of 2020. For about a week I did not hear back from them and when I called back I was told that the case closed that someone from their 800 number tried to call me but they did not leave a voicemail or a call back number. The case was reopened by a sympathetic rep who although tried to understand my situation and frustration at the end told me that since they can not locate my call ( although per her sharing with me that not all calls are recorded XXXX there was nothing she could do god me. I insisted that another case be opened because I have notes from that call and what I was told. I am reaching as I need help resolving and having my late payments removed from my credit reporting. I did reach out to Wells Fargo in XXXX and XXXX about my potential hardship and feel that I did not get clear instructions on what I need to do to avoid late payments being reported. In addition I was put at easy by being told that there is a late payment forgiveness program for COVID19.

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 2023-09-18
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05
Company: EQUIFAX, INC.
State: MO
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:
After a careful review of my credit report, it has come to my attention that I have been a victim of identity theft and my credit status has been seriously compromised and I'm demanding that the 3 major credit bureaus block these unauthorized and unknown accounts to me immediately in light of the laws of the FCRA. Please provide me with certified physical documentation of these accounts or delete them immediately. As following, ( 1 ) XXXX/XXXX XXXX {$3600.00}, ( 2 ) XXXX XXXX XXXX XXXX {$790.00}, ( 3 ) XXXX XXXX XXXX {$760.00}, ( 4 ) XXXX  XXXX  {$150.00}, ( 5 ) XXXX   {$140.00}, ( 6 ) XXXX XXXX XXXX {$2300.00}, ( 6 ) XXXX XXXX {$5300.00}, {$6400.00}, ( 7 ) XXXX XXXX XXXX {$16000.00}, ( 8 ) XXXX XXXX {$1500.00}, ( 9 ) XXXX XXXX XXXX XXXX {$0.00}, ... I'm demanding that these accounts be removed or support by certified documentation, You cooperation is Appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6500.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00}, ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT 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 2021-06-12
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
In XXXX, I was living in an apartment for about 8 months, when I had to leave before the lease was up due to an abusive relationship and hostile living environment. I was contacted about a 8 months later from IQ data international. They called repeatedly until I answered and explained that I had this debt I needed to pay. They refused to allow me to do payment arrangements on a {$3500.00} charge until another 6 months later after repeated calls. Eventually, I paid {$1700.00} to get them off my back until they started calling my job and one individual cussed me out when I explained to him he was harassing me. 

Now, in XXXX of XXXX, almost 3 and a half years later, I have received a call once again regarding this issue. I explained to the woman, that they never attempted to contact me after the incident involving the harassment. Nor have they sent me any legit account information. She insisted that they did. I then told her why would they be calling all of this time later, and she relayed, that theres no statute of limitations on collecting a debt. Unfortunately, I work in a law office now and was able to research that in fact there are statutes of limitations on collecting debts. 

Ive never received any notice or written agreements regarding this debt nor paying what they are asking for. I did write a letter to the agency, asking for documentation and any conversations relating to this debt. I am eagerly waiting for their response as they have been given until XX/XX/XXXX, to forward any documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My PPP was disbursed into my bank account XXXX XXXXOn XX/XX/2020 my XXXX  bank account & savings account was put on hold by Bank of America . After 13 phone calls, which included the response " sorry we have no information, an investigator will get in contact with you, and nobody did. I was told by Bank of America to send in all documentation to prove accuracy of our business PPP loan. Complete packet was mailed in and received by BOA XXXX XXXX. The account was reopened XX/XX/XXXX and then put on hold again XXXX XXXX. On XX/XX/XXXX the entire funds from checking ( {$39000.00} ) & savings ( {$59000.00} ) was sent to Legal Order LTS XXXX. I have called 10 times since XX/XX/XXXX and am receiving the same response with no resolution. My business is holding on by a thread because BOA has my funds and PPP funds held with no response, resolution or action. We will be retaining legal counsel immediately as this is highly illegal and the funds disbursed to us by the SBA to help keep our business afloat have been left on hold status on and off since XX/XX/XXXX. 

A fair resolution is for Bank of America to give me my money back by closing the account and issuing a cashiers check for the checking and savings funds that are currently being held. IN A NUTSHELL GIVE ME MY FUNDS BACK!!!! 

See attached copy of XXXX, XXXX & XXXX Statement showing the SBA PPP funds being deposited into the account & then removed and held by BOA.

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 2023-05-23
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Well This started after An issue With another Vendor making charges To my account up to 10 Days before they were officially authorized to. I had reached out to My Bank Navy Federal for help. After expressing frustrations because they REFUSED to help me I started to get treated Rudely by their staff. After calling that out I'm suddenly incurring Returned Check Fees on payments I never authorized. I feel this is being done out of Spite as the Staff want to " teach me a lesson '' for responding to their rude and condescending behavior. This isn't the first time I've had such issues as I had a similiar occurance When I included them in a complaint made to the XXXX for allowing Vendors to take unauthorized charges from my account. Navy Federal claims us veterans are their mission but anymore it seems like helping fraudsters and unauthorized Vendors Rob us blind is their real mission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
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: Information belongs to someone else

Complaint:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The 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 XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX Balance : {$21.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2022-12-17
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
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:
I've been a victim of identity theft, i filed an FTC report # XXXX on XX/XX/2022. someone used my personal information for apartment leasing. now it's on my credit report. 
I've contacted XXXX credit bureau soon after I filed the FTC, its been more than 45 days and this collection/derogatory account is still showing up on my credit report. 

Account in question to be deleted is : Genesis Credit ManagXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This company is committing IDENTITY THEFT, I have NEVER gave permission nor written consent to report my PERSONAL information. The inaccuracy and improper use of my consumer report has caused an extreme burden on providing for family. According to the US District Bankruptcy court they do NOT provide personal information to reporting agencies, therefore there can not be a furnisher to verify the information. This information is only accessible on the Pacer system and they have a privacy discloser on their website that they DO NOT send information to third parties. Retrieving a consumers private, personal information for profit is fraud. How can any of these companies state there is accuracy and verification, if the courts admit to NOT providing personal information?

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 2020-12-28
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$0.00}, {$6600.00}, {$0.00}, {$9200.00}, {$9500.00}, {$130.00}, {$63.00}, {$520.00}, {$360.00}, {$2300.00}, {$7200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$63.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

12. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contested this companies alleged " Re-collection '' of this debt they allege I owe to no avail! Although I was once living in the community that they site as the " original creditor '' I do not have any such balance owed and have asked numerous times for them to furnish documents with legal proof and signed documents and/or court case records were I was taken to court in regards to these delinquent payments. 

This housing facility is using unfair tactics to collect debts not owed. And not providing as the FCRA REQUIRES proof of the debt owed and accurate dollar amounts if any! Along with falsely reporting inaccurate information to the Credit Bureaus which is a direct violation of the Fair Credit Reporting standards and ethical practices outlined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Avant Holding Company, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a credit card with Avant I have over {$500.00} in fraud charges. I can't seem to get anyone to take my fraud dispute. After over 20 calls and hours of my time I have not spoken to anyone that has taken the disputed charges. They keep telling me I have only one person to speak to gave me a phone number and ext and only can leave a voicemail no one calls me back. There is 9 charges totaling over {$500.00} now that are charging me interest and want me to pay payment. I refuse to pay for fraudulent activity 2 months is extreme to me and still have not even been able to tell them what charges I am disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My unemployment card was stolen. There were XXXX in claims submitted in XX/XX/2020. My claim has been denied and escalated several times. Most recently it was denied in XXXX XXXX. Since XXXX Ive reached out to merchants that my card was fraudulently used at. A square purchase made with a XXXX XXXX in California led me to learn he dealt with a woman named XXXX. XXXX received the chargeback through square and was made to return the money charged to my card. Yet Bank of America denied my claim for the false charges. Where is the money that XXXX XXXX and others have had to return? If my claim is denied, Im not receiving it. Therefore Bank of America has the funds. So they are now stealing from merchants and consumers.

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 2023-09-18
Company: EQUIFAX, INC.
State: CA
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:
This is my third 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 records 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 an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief