BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/, someone successfully hacked into my Wells Fargo checking account and wired themselves {$4200.00} after having had access to my username and password. I did not give anyone that information. 

I filed the claim will Wells Fargo immediately, as I caught the wire immediately. Wells Fargo has denied the claims multiple times, even after I escalated it to their executive office. They sent me a letter and put in writing that Im the one responsible for online wires that originate using your username and password, WHETHER OR NOT ACTUALLY AUTHORIZED BY YOU ''. 

Wells Fargo essentially said over and over that I'm responsible for the lack of security their own online system provides. I never ever gave anyone my username or password, and take my online security seriously. I caught the wire right after it happened, and they confirmed it was still " pending '', but even a timely response to the hacker didn't mean anything. 

After escalating the issue multiple times and constantly getting the same answer, I got a call from someone named XXXX XXXX who not only explicitly said it was " my fault '' that my username and password were compromised prior to the wire ( it wasn't ) but refused to answer me when I asked what Wells Fargo is doing to protect their clients. Then he hung up on me. A Wells Fargo employee hung up on me when I was simply asking what they could do to protect their lifelong clients. 

I have sense closed my checking and savings accounts, but would like to issue a formal complaint against Wells Fargo, and demand they mail me a check for the amount that was compromised due to their own lack of security measures.

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 2017-06-20
Company: Navient Solutions, LLC.
State: NC
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:
To Whom it May Concern, My name is  XXXX   XXXX , I have been pay Navient ( formerly  XXXX   XXXX  ) for several years and I was placed in forbearance on several occasions until I found out about an income sensitive repayment plan. However, with this plan, the payments I submit to  Navient  are not going towards the principle of my loan. I initially owed Navient $  XXXX , now I am up to $  XXXX  and I pay on my account monthly with no delinquencies. I would like to have a loan forgiveness with Navient however, I was never offered this type of service. In addition to lowering my payments with part of the money going towards the principle of my account, I want to be included in the  Class Action Law Suit  against them for unfair practices and not allowing and giving adequate options to repay my loans to where I have seen progress with them. If you have any questions, please do n't hesitate to email me or contact me :  XXXX  XXXX  XXXX ,  XXXX .   Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: NC
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:
About XXXX  years i decided to monitor my credit report because I was interested in becoming a mortgage loan originator and I knew they will check my finances XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) upon checking my credit report I immediately saw inaccurate information, names, accounts that I have never seen a ridiculous amount of inquiries soft and hard mostly for cars, loans, credit cards and mortgages when I never initiated any of it. I downloaded the experian app and it proceeded to tell my information was sold on the XXXX XXXX I contacted all three credit bureaus via phone to alert them and freeze my reports but the dings to my credit didnt stop at all. I disputed each one on the app and I sent letters to prove it wasnt me and they still left the information there. This is hurting my livelihood overall and preventing me and my children the life I work hard for everyday and I would like all of the inquires and accounts of my credit report stemming from 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 2023-07-24
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: IL
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 non-monetary relief
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX 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 2023-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On Friday, XX/XX/2023, I attempted to use a virtual card number to pay an invoice for my small business, because the company required the number be provided to a live customer service agent located in XXXX XXXX. Capital one offers this service, but only if I leave my personal mobile number on the account for verification. I refused to use my personal mobile number for a business matter. I ended up giving my credit card number and immediately canceling the card and requesting a replacement. It was the only option available to me immediately. 

The agent called my office number to verify me, but since there is an announcement that calls are recorded, Capital One blocked use of my business number for my business account and changed the primary phone number, without my permission, to my home number. 

I received the replacement card on Monday, XX/XX/2023. The card ended in XXXX. As a XXXX that number is associated with the XXXX, so I called to immediately request a replacement. Again Capital One was recording, but when XXXX was told I was recording, because she was refusing to help, she disconnected the call, saying it was against policy. Their policies do not trump my legal rights to document calls to which I am a party. Georgia and XXXX law are one party consent states. 

It took nearly 12 hours of calling back to resolve the issue. when I called back XXXX told me a replacement card had been sent, but when I reached his supervisor XXXX, I was told no card had been sent, but the XXXX card was deactivated. XXXX asked if my number was still recording calls. I told him I did not give permission for them to record my call and all of them said they could not turn of the recording, except XXXX. XXXX let it slip that the recording was actually not discontinued. 

Capital One had removed my business number as the primary number to avoid contacting me on a recorded line. They placed my personal home number as the number without my permission. They refused to come up with a solution to verify the account that did not involve use of a mobile phone at work, which is an offense that results in termination. They can't risk people 's employment because they don't want to be recorded. 

When asked specific pointed questions about the account, the staff ignored the question as if not asked, forcing back and forth. I have the right to honest answers about my account. 

They do not come up with solutions to help customers in real time. Their validation is so strict and limited as to render the owner of the account unable to access and manage the account for extended periods. They force acceptance of robo calls and texts, etc. I have filed a complaint with FCC about this. 

I had to send my payment based on an old account number, because I was unable to manage my own account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We just paid {$100000.00} to a {$290000.00} loan modification. 
{$49000.00} field adjustment was the amount paid to XXXX and {$32000.00} was the amount we paid to midland. I guess they gave us partial credit for the {$55000.00} we paid to XXXX XXXX XXXX. 
XXXX collected the money paid to commerce bank and XXXX. 
This means that NONE of the {$670000.00} I have paid to my house has been applied to principal. Which means I have paid {$640000.00} to interest. Which again I will point out is OVER 18 % interest on a 15 year loan disclosed at 4.34 %. 
When are they going to release this lien that XXXX bought for {$90000.00} XXXX reported {$80000.00} extinguished but it was never removed from the balance. We were not given credit for the {$5000.00} HAMP incentives. We did not get credit for the {$17000.00} paid from XXXX other properties. We paid it again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: EQUIFAX, 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:
I have disputed the inaccurate reporting that Equifax has been doing in relation to XXXX XXXX account number XXXX. Equifax received dispute information from me dated on XX/XX/XXXX about the inaccurate information of this account. I attached a identify theft policy report to Equifax as well on that date. I was notified on XX/XX/2018 by Equifax via their credit monitoring alert that this account was still reporting and that the information that was currently reporting is even different from the information on my credit file on XX/XX/XXXX with confirmation number XXXX. It is a material fact that the amount being reported on XX/XX/2018 is different that on XX/XX/2018 for the XXXX XXXX account XXXX and this account does not have the ability to increase due to its status. 

This has caused me tremendous personal damages with employment opportunities and various financial credit opportunities with potential new creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
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:
15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

1. NO CONTRACT XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. NO CONTRACT XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. NO CONTRACT APP OF TENNESSEE ED XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5.  NO CONTRACT APP OF TENNESSEE ED XXXX Account Number : XXXX Please investigate and delete from my credit report. 

6. NO CONTRACT APP OF TENNESSEE ED XXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 8. NO CONTRACT APP OF TENNESSEE ED XXXX Account Number : XXXX Please investigate and delete from my credit report. 

9. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please investigate and delete from my credit report. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please investigate and delete from my credit report. 


These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: BARCLAYS BANK DELAWARE
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Late XXXX I was notified by Barclays that there appeared to be fraudulent charges on my card. I spoke with them and went over the charges. They were most definitely fraud because it was being used in XXXX and I have never been there or bought anything there. They said their security department would check into it and get back to me. After 3 weeks went by I contacted them because my bank notified me that Barclays was trying to process payment through an account that they didn't have access to. At least they weren't supposed to. The account didn't have much money in it so fortunately it didn't go through. I could not access my account online at this time either. Plus I had not been contacted yet. After speaking to 4 different people about this matter and finally speaking to their security team, they claimed they hadn't tried to do this and they would look into it and freeze any transactions through my bank until this was cleared up. Again I was told they would contact me within 10-14 business days. A couple days later they tried withdrawing a large sum of approximately {$8800.00} from that same account at my bank again. I have been trying to call them using multiple phone numbers they provide and still have not been able to get in touch with them on the phone. I have waited 3-4 times on hold for 45-50 minutes to try to get someone on the phone. Eventually the call just hangs up. I can't login to my account with them to see what's going on and I even tried to contact someone through their XXXX XXXX. Still haven't heard from anyone at Barclays. Their server is down currently and has been for at least 3 days. They did message me on XXXX and tell me I could mail my payment but at this point I don't know if they are legit and am afraid to send money to that address. They do send emails that payment is due but I have no way to make a payment until I speak to someone and get my account active again. I have tried to resolve this issue in as many ways as I know how to. I need help getting this resolved.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: CA
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX 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 2022-12-28
Company: EQUIFAX, INC.
State: RI
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 received an alert from a credit monitoring company that a new Equifax inquiry was present. Upon reviewing the information, it stated that XXXX XXXX XXXX placed a new inquiry. I disputed this with Equifax, who denied the dispute. I then, on XX/XX/XXXX, called XXXX Card Services ( I do have an open credit card account with them since XXXX, but did not request a second one ) to ask about the inquiry. After talking to both member services and security services there, they do not have any record of such an inquiry connected with any of my personal information. Given this, I again filed a dispute with Equifax, which has again been denied, as the inquiry is deemed " factual. '' No supporting documentation is available from the company to support the factual claim, and as there is no record from XXXX to show this inquiry was not made, there is no way to remove it from my credit report via Equifax. In the interim, I have had to freeze my credit and place a fraud alert given the possibility of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 tried Several times to Dispute inaccurate information with Transunion which Transunion doesn't reinvestigate my dispute and fails to provide proof of their findings I am asking for Transunion To reinvestigate and delete the negative information and the accounts that were fraudulently opened in my name Accounts XXXXXXXX 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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed that XXXX XXXX  have placed an inquiry on my TRANSUNION credit file dated XX/XX/2020. On multiple occasions I requested XXXX XXXX and TRANSUNION to verify these inquiries. They have yet to do so.

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 2023-10-17
Company: Newport Intermediate Inc.
State: ID
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Card information was stolen and used. I filed a claim and some of the money was returned however they needed to " escalate '' my claim because there was some very weird charges like to pay taxes etc. that wasn't mine and I can not get a return call or answers. Also, One of the places that was card was fraudulently used agreed it was fraud and credited back my canceled card but the prepaid card company says I can not access that money because the card was canceled and they could not issue me a check for that money or transfer it to my replacement card that they issued me and that I could not claim that money. Fraudulent charges were from XXXX. I have attempted to request for a supervisor to contact me and have talked to the risk management department for the prepaid company. I have also spoken to many consumers that have had similar experiences with the same prepaid company. Perhaps this needs to be investigated further i.e. class action lawsuit.

Company response to consumer: Closed with explanation