BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: Experian Information Solutions 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that 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 information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I've had HUNDREDS of issues with Wells Fargo. Most recently I deposited a {$5400.00} check into my account and it was deemed fraudulent when it in fact wasn't.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: AZ
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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Last year I called Synchrony bank, I was trying to log on and find out about a bill that I have just received, apparently, I unknowingly applied for it through an offer when checking out of Amazon to get a discount. Therefore, I called Synchrony Bank when none of my information could get me logged into the system. After speaking with the customer service, I paid the card off and I asked that she close the card at that time and she told me once the payment was made the account would be closed. 

XXXX 2017, I received another bill and I had made any purchases, I called them again, Synchrony Bank and spoke with a representative, she pulled up the old records saw the old notes acknowledged what happened and that the bill was paid, and said that if this bill was due to the interest. I ask interest for what? the bill should be paid off. I still can log on to this account, I paid it and then sent me a letter which I have missed placed saying that they will remove from the credit report and closed account, now the bill is up to {$240.00}. I have also put in a disrupt on my credit reports. I get a new bill and almost set up a payment until I saw the credit card number, then I canceled.

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 2023-08-15
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: Experian Information Solutions 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:
My credit report is showing late payment on XXXX XXXX XXXX account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

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 2023-05-04
Company: American Credit Acceptance, LLC
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX I called American credit Acceptance and XXXX to get my car note refinancing. They told me they can not help me. So I called my bank and they wasn't able to help. So I called back to American Acceptance and XXXX and told them to come get the car. It was also during XXXX. I put brand new tries all round the car and oil change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im in the process of trying to buy a house and when my morgage guy went running my report to get me a preapproval he came across an acount which has been placed in collections with the original creditor claiming to be XXXX XXXX and the collection company being Convergent Outsourcing Inc stating I have an account opened on XX/XX/2019 with a balance due of {$1100.00} I tried to call this company at XXXX XXXX XXXX XXXX and they cant twll me anything without an account number which I dont have. I have a slight problem with this issue since I dont owe any money to XXXX and never have I actually had to fight an issue like this a few years ago between XXXX and the XXXX to which it was deleted by XXXX but now I see they must have done something with my info for they are at the middle of this issue being the one who was the original creditor not juat this time but thw last time also so unless you can give me verifiable proof to thia debt pleaae make thwm delete this it has not damaged my report twice and this time could have ruined my chance at buying a home

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 2023-11-27
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope you are doing well as I write this. I'm writing to discuss a problem with my credit report, particularly the late payments that are related to my account. I recognize how crucial it is to keep a current and accurate credit history. I'm writing to ask that these late payments be updated or removed off my credit report. 

XXXXXXXX XXXX XXXX  XXXX XXXX I am NOT late on XX/XX/2023. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXXXXXX customer service representative. 

To address the issue and guarantee future payments on schedule, I have taken aggressive steps. I recognize the value of being financially responsible and the significance of having good credit. Therefore, I humbly ask that the late fees linked to my account be either eliminated or modified to appropriately reflect the present situation. 

Thank you for your time and attention to this request. I appreciate your efforts in helping me maintain the accuracy of my account 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 explanation
Consumer complaint received 2020-03-13
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: GA
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 was my follow up with regards to my previous complaint dated XX/XX/XXXX. That time I noticed these items that DO NOT belonged to me, and neither did I initiate an authorization towards who ever have these data that I am listing in complaint and reported through Federal Trade Commission ( FTC ) with reference # XXXX. And I am attaching my FTC Fraud Report in this complaint again for your information source. Please remove the listed items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On today XX/XX/2023 I received a return call from Carrington Mortgage Representative XXXX XXXX ( XXXX XXXX XXXX Ext. # XXXX ) in reference to them taking over my mortgage from XXXX XXXX, transferring and refinancing the mortgage. Now prior to this conversation Mortgage Representative XXXX XXXX assured me that everything was going to work out fine. However he actually tried to sweet talk me into a Ponzi Scam. Because the moment I mentioned that I has a Real Estate Attorney who can possibly assist if needed. He hung up the phone then after me trying to reach him back he mysteriously calls me back. Then he kept playing the stupid games by pretending he knew absolutely nothing about my current residence currently being in foreclosure and lied claiming that I told him that my residence was a duplex. And had to actually repeat this to him several times and he also stated that he can have {$30000.00} in my account real soon. Eventually things went sour and he stopped receiving my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Nelnet, Inc.
State: CO
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:
My loan was sold from XXXX to Nelnet in XX/XX/XXXX. The issue is that I had consolidated and sold my loans from Nelnet to XXXX several years back. When XXXX sold my loans back to Nelnet instead of treating it like a new loan they dropped it back into my closed accounts. The problem being that Nelnet failed to report my loan for almost a full year. It showed up as of XX/XX/XXXX and according to their systems and my credit report has been open since XX/XX/XXXX. When my account from XXXX was closed it was XXXX $ my current loan amount with Nelnet is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I own a small business that helps individuals recover funds from scams. Since Friday XX/XX/XXXX, Bank of America has withheld all of my companys revenue under a security block. No one notified me that they were holding my revenue or explained why they are doing so. They have also froze my merchant accounts that would give me access to any of this information. I understand it is against the law for BOA to take this action on my account without notifying me. I called them for hours a day from Tuesday-Friday to try and resolve the issue. My intentions were to speak with a representative from the security department so I can assist them in whatever they need from me to expedite whatever it is that they are investigating. I have independent contractors and bills that need to be paid. My frustration is that I have not received a phone call, email, or any message with information regarding this security block. After countless hours being transferred around to various departments and voicemails, I went in to the bank center where they simply gave me a number to call. I have spoke to one representative in risk management on Thursday   who stated that there looks like there is a security block on your account but that is all I can see on my end. We take tremendous pride in what we do at our company and my fear is that the lack of communication from BOA has now caused irreparable harm to my company.

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 2022-03-22
Company: Experian Information Solutions Inc.
State: GA
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 numerous occasion, I have requested to have erroneous payment status removed. On several occasions, I have asked XXXX and Experian to remove this data and it has not been removed. I have included examples showing where each credit bureau is reporting a different delinquency for the same account and my example was ignored as well as the information that I requested from them in the allotted time. I have attached a second letter detailing once again what I have asked for over and over. Each credit bureau should be reporting the same consistent information. In the first letter that I sent I asked you to send me several items. I have attached the first letter and a follow-up letter. I am also including the evidence removed. I also want the temporary update freeze removed from my account. As a consumer, I have a right to dispute inaccuracies between the credit bureaus as much as I choose. I provided evidence and it was ignored. I would like to have the disputed data removed because it is not consistent and it is incorrect.

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 2022-11-22
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I currently have a XXXX XXXX credit card serviced through Comenity Bank. I was charged a late fee due to their website being unavailable and they refuse to remove it. Over the past 3 months, they have had technical problems with their website. When I attempt to pay my account through their website I receive a message that states : " We're sorry. A technical glitch occurred and your request could not be completed. Please try again. '' Usually, this message only lasts a few hours and I can get into my account and make the payment. This month I received this message from XXXX XXXX XXXX XXXX. I attempted to call the bank on the XXXX and received a message that their offices were closed. I was able to get into the website at XXXX on the XXXX to make the payment but at that point, it was past their XXXX deadline and I received a late payment. I tried to call them on the XXXX and received the message that their office was closed and that I would have to try again later. I attempted to call on the XXXX and spoke to a representative who shared that my account had been closed and he could not give me any more information. I received an email from the company informing me that I had received a late payment fee. When I attempted to call them they said that my account had been closed in 2020 and that they no longer serviced my account, so they would be unable to waive the late fee. When I asked why I was receiving bills from them if they no longer carried my account the representative stated that it was because I had a balance. I explained that I was unable to get on to my account because of a technical glitch and even attempted to log on while on the phone with the representative and was unable due to the same message. She told me that there was nothing that she could do because their website " looked fine to her ''. I offered to share my screen with her to show that I was unable to get in and she said that it was not necessary and that if I wanted to make a payment she would gladly do it for a {$9.00} fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28
Company: Fidelity National Financial, Inc
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My mortgage loan service provider : https : //www.myloancare.com/ has been down for over a week. All calls to their customer service go unanswered. 

I need to make my mortgage payment but their is no information on how to do that. 
The phone payment option is not working either. 


URL : https : XXXX XXXX XXXX XXXX XXXX XXXX  Lot of users have the same issue : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX ... I attempted to contact XXXXXXXX XXXX regarding the charged-off account with them. I was told by 2 representatives and 1 supervisor that 1- my account wasn't charged off ; after argument, they agreed that yes it was sold off, the first collection agency they sold it to charged it off themselves and it came back to them. Since then, they have sold it to another collection agency. On my credit report ; it shows that XXXX and XXXX are the only ones reporting this charge-off. My dispute with Experian was successful in removing this item. The opening date for the account reported by XXXX is XX/XX/XXXX. In contrast, the opening date for the exact same account reported by XXXX is XX/XX/XXXX. As well, the last reported dates differ on both of the credit reports. The date of last reported, last active, and last payment. Due to numerous errors, I am requesting this account be removed from my credit reports with XXXX and XXXX per FCRA 15 USC1681 eb regarding the reporting information must be 100 % accurate.

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 2018-03-19
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AWA collections has been reporting inaccurate information for the past two years to all three credit bureau 's. I've sent numerous certified letters over the past year requesting they send documentation regarding this account so that I can verify it's contents. They have ignored my requests yet continued to report inaccurate information which has resulted in a lower credit rating as well as a denial of a mortgage application. They also continue to harass my family members and co-worker 's regarding this alleged debt.

Company response to consumer: Closed with explanation