BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-16
Company: WELLS FARGO & COMPANY
State: NV
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:
On XX/XX/XXXX I was a victim of Identity theft, someone had, opened over 7 accounts in my name one was XXXX XXXX XXXX XXXX XXXX. I do not know when the account was opened or, type of account I am assuming it was a credit card of services. I also contacted XXXX XXXX XXXX by certified letter, and also filed a police report, and a Identity theft report as, well as spoke to all three credit companys about the Identity theft, there was a block placed on my credit report. I am still trying to recover from this event that has shook me to my core. XXXX XXXX XXXX XXXX XXXX  did not remove the hard Inquiry that was placed on my credit report with XXXX XXXX XXXX they placed the Inquiry on my credit report on XX/XX/XXXX. I again am shocked that this is happening, and it is taken a toll on me mentally, and physically. To this day even after I placed a Identity theft alert on my credit report, I have two more Inquirys placed on my XXXX credit report XXXX XXXX XXXX XXXX  date XX/XX/XXXX that was not autherized by me, and WELLS FARGO CARD SERVICES also pulled my credit report from XXXX  on XX/XX/XXXX. I have to go to the social security office to change my social security number do to the outstanding damage this is causing my credit, and Identity.

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 2019-01-29
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/XXXX there was an unauthorized inquiry from XXXX XXXX on my credit report. I would like this inquiry to be removed from my credit report I have never applied for credit with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The collection agency XXXX XXXX XXXX has a collections on my credit report. The collection was from XXXX XXXX which I have tried to explain that the charges on that card wasn't from me and that my account was hacked, then they sent it to collections after I refused to pay. 


The second one is XXXX XXXX XXXX and have no idea about the XXXX  thats on the collections report. 

The third one is Portfolio Recovery and they have a XXXX XXXX card that I have a card that I didn't pay off. This isn't true as I have a XXXX XXXX card that has a 100 % on time payment history and I only ever applied for one XXXX XXXX card not 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, at appx. XXXX EST, a call was made to IQ Data in an effort to obtain a settlement. The representative was so rude and condescending. She even went so far as to tell me that the client informed them that they are in the process of purchasing a home and since they know they have to pay this debt, they are refusing any settlement. She even threatened not to offer settlements and threaten not to delete the debt upon settlement. That is not the scary part. The most unnerving part of this ordeal was when I asked to speak with a manager, I was denied. The representative pretended to transfer me to a manager, kept me on hold, then disconnected the call. I called back, trying to speak with a manager and was denied and transferred back to the same representative. This time the conversation started off smooth. I was no longer trying to negotiate a settlement. I wanted to get a statement of the account to provide to an Escrow agent to see if they would approve paying for this debt for the client. Again, I was denied. I was threatened to be hung up on multiple times. I begged and pleaded to speak with someone else anyone else. The next agent came on the line and started off polite. However, she " lied '' and claimed the correspondence that I was asking for was emailed to me back in XX/XX/XXXX. I searched and advised it was not received. I politely asked for them to forward that email. I was denied. Finally, I disconnected. I was overwhelmed with anxiety, emotional grief and turmoil after dealing with company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
Dear Sir I had recently get my report and found many corrections which are listed as below Account 2 XXXX XXXX  XXXX XXXX EDUCATION LOAN XXXX showing closed and current outstanding Rs XXXX, both are wrong, this account is Active and having current outstanding XXXX as on today. 

Account 3 XXXX XXXX  XXXX XXXX EDUCATION LOAN XXXX is fully paid & closed by bank with no outstanding but still showing incorrect outstanding Rs 5 and current balance XXXX/- is  also wrong. 

Account 13 XXXX XXXX  XXXX CREDIT CARDS XXXX showing current outstanding Rs XXXX but as on today there is no outstanding balance on this credit card. 

Account 15 XXXX XXXX CREDIT CARDS XXXX showing current balance Rs XXXX/- is  the wrong one, as on today there is no outstanding for this loan. 

Please made above correction as soon as possible and revert me soon. Hoping positive response from CFPB. 
I had raise complaint to experian more than five times but still my issue was not resolved. I request CFPB to resolve my concern to help me out of these and improve my score. 

Hereby I am providing my additional information which may be required to you while investigation. 

Experian Report Number ( ERN ) : XXXX Unique Transaction ID : XXXX Report Created : XXXX Name : XXXX XXXX XXXX Contact Number : XXXX Date of Birth : XX/XX/1992 Email Id : XXXX Pan Number : XXXX Address : ( Pin Code Mandatory ) AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Source : ( From where did you obtain this report from ) : FROM EXPERIAN OFFICIAL WEBSITE Thank you ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have opened a savings account and safety deposit box with Wells Fargo bank in XXXX, Texas. I deposited all my valuables in my safety deposit box. In XXXX we accessed the box to add some valuables. After 2 months we went back to collect them but the key for the safety box was broken and all the valuables were missing. We immediately filed complaint with the local police. The staff working on that day also witnessed the theft and provided all the information to the local cops. After 8 months, the bank sent us mail that the case is closed as there was no evidence of any theft. I am approaching you for justice. I lost all our hard earned money with which we bought those valuables. Also our memories and the gifts from our parents during our wedding are all stolen. The bank needs to take responsibility and find out the parties involved in this crime. Please do the needful and save us.

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 2019-01-30
Company: SCA Collections, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It looks like they are saying I owe a bill from XXXX XXXX of XXXX from XX/XX/XXXX. Ive contacted the company multiple times and they dont have anything in the system about/for me. Its basically showing me as non existent. I asked SCA Collections to verify the debt, but they couldnt & mailed something on XX/XX/XXXX thats totally in violation with the HIPPA law. Its a bill thats been reported wall 3 credit bureaus and having a negative impact on my credit for {$94.00}. I even offered to pay the debt without verification because of the damage its doing to my credit and SCA wont allow it! Im very disappointed in this unfortunate situation and really need help! Ive contacted the 3 credit bureaus of this situation via mail and Im currently waiting on a reply. I just want someone to actually listen and help with this situation.

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 2020-05-15
Company: Nelnet, 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:
Unfortunately my identity was stolen I need help one bureau, XXXX  has saw fit to delete the derogatory information from nelnet. But XXXX & XXXX  are giving me a hard time I'm a XXXX single mother of XXXX, I dont even have a XXXX. Below is the information & proof of who stole my identity & almost got me pur in XXXX, XXXX XXXX was my Care taker. Until she broke into my house & stolen my rent money, & now I'm almost homeless. Please help my family!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I am going to upload a copy of the letter that I sent to Equifax on XX/XX/2018. They have not responded to it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I live in a federally declared disaster zone from Hurricane Irma. ( XX/XX/2017 ) My mortgage company offered me a 90 day forbearance on my loan, which I accepted. However, after day 34, they reported to all credit bureaus as a missed payment. I called and complained, and they told me that they were fixing it. To ensure no more issues, I told them I will be making all payments as usual and I did. They still reported to all three bureaus the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX reported as NO INFO, XX/XX/XXXX was reported as 30 -- 59 days late. Obviously this affected my credit score.

I called again to complain and was told it would be fixed by XX/XX/XXXX reporting. It didn't. get fixed. I would like to have full reporting as payment made on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and to remove that 30-59 day mark asap.

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 2018-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I called capital one on serveral occasions telling them im a victim of indentity theft & my Info was used fraudulently to opened an capital one account and its showing a remark of bankruptcy which I have never filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: BB&T CORPORATION
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I contacted BB & T and asked and received a payoff amount for my Home Equity Line of Credit. My goal was to payoff a higher interest rate loan. I authorized BB & T to Debit my DDA for the Payoff Amount and received a confirmation number and days later a confirmation Letter indicating the payment to my Home Equity Line had occurred.When my XX/XX/XXXX statement came it showed BB & T SPLIT the XX/XX/XXXX Payment and credited a portion to my Home Equity Term Loan ( which carries a lower rate ) and applied the remained to my Home Equity Line ( which carries a higher rate ). 

The result of BB & T splitting my payment allowed them to keep a balance on the higher rate loan rather than paying it off as I requested. 

For two weeks I made 7 calls to BB & T to correct their decision to Split my payment which kept a balance on the higher rate loan. 

Finally, I involved North Carolina 's Office of Commissioner of Banks. 

So, after 7 phone calls to BB & T and my contacting North Carolina 's Office of Commissioner of Banks on XX/XX/XXXX the Split Payment was reversed and Applied to my higher rate Home Equity Line as I requested on XX/XX/XXXX. 

HOWEVER, due to BB & T Splitting the XX/XX/XXXX payment the Authorized Automated Home Equity Term Loan Payment due for XX/XX/XXXX was not processed by BB & T 's Account System. Then when BB & T Reversed the Split Payment on XX/XX/XXXX - BB & T did not process the Authorized Automated Home Equity Term Loan Payment for XX/XX/XXXX - they just left the Home Equity Term Loan Past Due. 

The result was - I received a Collection Call and a Collection Letter threaten Credit Bureau Reporting for a past due payment on my Home Equity Term Loan - which all occurred due to BB & T Splitting my payment request in order to keep the higher rate Home Equity Line with a loan balance and charge a higher rate of interest and charge late fees. 

I have BB & T documentation which confirms this tragic occurrence of a Big Bank 's effort to swindle and take advantage of a consumer.

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 2017-12-08
Company: UNITED GUARANTY CORPORATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Upon the sale of my home, I received letters from XXXX XXXX XXXX XXXX months later stating that I owed a past due balance from XXXX XXXX XXXX. I have been trying to confirm that the debt is legitimate and that XXXX XXXX XXXX has an outstanding amount that was n't paid and if unpaid, that unpaid debt has been legally forwarded to XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX has not shown proof that this debt is owed. 

Finally, XXXX XXXX continues to harass me with 5-10 time per day to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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:
I submitted a dispute regarding inaccurate information that was being reported regarding my bankruptcy. My case number was not being accurately reported. Several attempts were made to dispute the information on my credit report. Experian and XXXX  report that the dispute was verified and accurate and that the reporting 3rd party agency XXXX reported the information as accurate. According to XXXX, no dispute was ever submitted and the Southern/District of California stated that they do not report to the credit bureau.

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 2018-04-07
Company: Lloyd & McDaniel, PLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX I got served papers from Lloyd and McDaniels. So I worked out a 50 month payment which I have paid faithfully on this and today got a lein notice of which I have no real property in this county and it was sent XX/XX/XXXX and issued XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Signed up for Wells Fargo XXXX XXXX XXXX because was told would get {$200.00} back if I charged {$1000.00} in 3 months. This was over 3 months ago and I charged more than {$1000.00}.

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 explanation
Consumer complaint received 2019-08-26
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 was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. l went home to check my credit report and found some items that are not mine listed as inquiries. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a series of complaints with Wells fargo. 1 I was sold a 10/1 arm mortgage under false pretense. I was approved for a 30yr fixed but was pushed into a loan with bad information, 2 When I was in a small finance hic cup in XX/XX/2014 this came to light so I reached out to Wells fargo for help. The bank steering me in to a HAMP program. # 1 A HAMP program in a MBS. Mortgage Backed security. the lender was WELLS FARGO so they proceed Sent me 7 Home preservation packets thru 5 different agencies all over the country The security was owned By Wells Fargo, They purposely held back this information. not only from the home Presorvation but also the Vice presidents department as well. Sent overwhelming letters that was contradictory to each other SO This put me into a program that has a 100 % Failure rate lead to a forclose., tried to vacate my home, as well as my tenant 's was an attempt to financially sink me Then Maintained this HAMP process for over a year, assuring me success Denied my Loan Mod put me in court under duress and charged me exorbitant fees on the back end of my Mortgage because I had equity.

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 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. l went home to check my credit report and found some items that are not mine listed as inquiries. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-01-29
Company: LDF Holdings, LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan for {$1000.00} on XX/XX/XXXX. As of XX/XX/XXXX I have paid {$1000.00}. When I called today to get the payoff amount I was told it would be {$1100.00} which is more than the cost of the loan. Apparently, none of the money I paid thus far went to the principal balance. I was unaware that would be the case when taking out this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Hawthorn Recovery Services, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The individual XXXX lied to me stating that the number he called was my personal number and only one listed he called me at work jeopardizing my job then would not stop and DEMANDED me give him my home phone number or he would keep calling my work number which means I'd get fired. He also admitted he has sent letters and i did not respond so he called this number. I am under NO obligation to respond to his letters.

Company response to consumer: Closed with explanation