BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX @ XXXX I received a call from ( XXXX ) XXXX. They stated that they have tried to deliver papers to me because I'm being sue by a XXXX XXXX XXXX XXXX that works with Wells Fargo. They said if I wanted more information on the care I would have to call them at XXXX and gave me a case number ( # XXXX ). I called the number the lady asked for the last four of my social, I told her I would not give her that information because I didn't know who she was. she then gave me the last four of my social and had the numbers correct. Then she told me I had an account with Wells Fargo back in XX/XX/XXXX-XX/XX/XXXX and my account overdraft the amount was {$1100.00}. I told her I have never had an account like that with Wells Fargo I actually have a home mortgage and credit card with them they that I open in XX/XX/XXXX ... this is scary to me to find out that an account may have been open under my name back in XX/XX/XXXX-XX/XX/XXXX and now I'm finding out 10 years later.

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 2018-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the morning of XX/XX/XXXX, I was contacted by someone purporting to be a representative of Bank of America. He noted there was an attempt to send a {$1000.00} wire transfer using my online account that was denied because the sender did not know my security questions. He he went on to brief me about safety tips for preventing/protecting my debit card such as going inside to purchase gas, etc. He then wanted to ensure my account was secure by reviewing my security questions with me, I received an authorization text as I normally would from Bank of America each time. So I trusted he was a legitimate Bank of America employee. I did not realize he was fraudulently withdrawing {$2500.00} from my checking account during this phone conversation. Bank of America conducted a 10 business day investigation and determined they would deny my claim to be reimbursed my funds that were stolen, as I was informed in a letter dated XX/XX/XXXX. They stated it was my fault because I gave my personal information to this thief who stole my {$2500.00} whom I thought was a Bank of America employee.

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 2018-11-24
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
I am writing to dispute the following information in my file and request removal. 
Please remove hard inquiries from XX/XX/XXXX. And remove all past debts from XX/XX/XXXX-XX/XX/XXXX. All credit accounts and judgments debts are inaccurate and incorrect because they are 10 years old and hindering employment. 

These items of hard inquiries and past credit debts disputed by XXXX, XXXX, Experian and XXXX XXXX I am requesting that the items be removed. 

Please reinvestigate this [ these ] matter [ s ] and [ delete or correct ] the disputed item [ s ] as soon as possible. 

Sincerely, 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 2018-11-24
Company: EQUIFAX, INC.
State: SC
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:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
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:
XXXX/XXXX, ACCT. NO. XXXX IS WRONGFULLY APPEARING ON MY XXXX   AND EXPERIAN CREDIT FILES. 
I have never opened an account, received a card, charged anything or received any merchandise.My PURSE WAS STOLEN in late 2014 for which a police report was filed at the time.Many accounts were opened and much damage was caused by these thieves. 
Delete the account from my files, I have nothing to do with this company or account.

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 2018-02-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX has been harrassing me and threatening to sue me for a debt that occurred in XX/XX/2009. I have asked them not to call me any more each time they call, but they keep calling me on my cell phone. This is not the first time I have had problems with them. A year ago they illegally reaged the account with the credit bureau, and threatened me with legal action, and it only stopped after I filed a complained.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-24
Company: 1st Franklin Financial Corporation
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:
Details Account : 1ST FRANKLIN FINANCIAL Amount : {$97.00} Status : Late 30 Days I challenge the accuracy, compliance and reportability of this listing by 1ST FRANKLIN FINANCIAL, and this is an error and you must remove it, this against the law. 
... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow. 

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-02-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/17 I responded to a mailer that I received from Citizens Bank to open up a Platinum Checking account and get paid a {$250.00} bonus for doing so. This offer was also online at the time. I went to my local Citizens Bank branch to open up the account, but was told that I had to apply online. So I went home and applied online. The fine print for the {$250.00} bonus stated that you had to make a single direct deposit of {$500.00} or more within 60 days of opening your first new Citizens Bank Platinum Checking account. So, I complied with this by having a direct deposit set up. The first direct deposit was credited to my checking account on XX/XX/17. I was supposed to receive the {$250.00} bonus within 90 days of opening up the checking account. When I did not receive the bonus, I called customer service at Citizens. They contacted their marketing department for me, and were told that I would not get the bonus because I did not enter an " offer code '' online when I applied for the checking account. I told customer service that there was never an " offer code '' associated with this offer, especially when I was online applying and entering my information. They said to email the " office of the chairman '' at Citizens Bank, which I did. After emailing that department, I received a phone call from XXXX XXXX at XXXX. She also tried to convince the marketing department at Citizens to pay my {$250.00} bonus, but they failed to do so. I am asking the CFPB to make Citizens honor their offer to me by paying the {$250.00} bonus that I earned by opening up a Platinum Checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I was an student in XXXX in XXXX Texas school close because fraud and they charging me the loan I was there around 9 months, I contact customer service and they say it will take them up to 18 month for an answer to move that of m credit report because in collection at this moment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: U.S. Auto Sales Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
US Auto Sales in XXXX I purchase a XXXX XXXX XXXX in XXXX XXXX, Ga. and two years ago I had went to XXXX XXXX to see about buying a car, and they ran my credit report, they came back and told me that US Auto Sales was not reporting my payments to the credit bureaus, so I call them they gave me a we site call XXXX to file a dispute, I did that and they said it was taking care of. So now two years later we are having the same problem with us auto sales in XXXX, Ga. main office. today I went to XXXX XXXX to see about buying a car and they said the same thing us auto sales is not reporting my car payments to the three credit bureaus. For the last 48 months the payment of {$480.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: TD BANK US HOLDING COMPANY
State: LA
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 reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution. 
The inquiry was placed XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
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:
The following accounts are still reporting as late payments..Definitely not correct.. On time payments were sent to the creditors and should not be reported as such..Please CFPB step up and reverse the late payments on 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 2019-03-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/2019 I pulled and printed my Equifax credit report. A company named XXXX XXXX was reporting inaccurate information, which claims that I owe {$1300.00}. I then mailed a certified letter of a formal notice of disputing the claim. I mailed it through the US Postal service on XX/XX/2019 to XXXX   XXXX at the address listed on my credit report of XXXX XXXX XXXX XXXX, IL XXXX. 

On XX/XX/2019 the letter was returned to me saying " Return to Sender/ Not Deliverable as Addressed/ Unable to Forward ''. So the address on my Equifax credit report was invalid. Then on XX/XX/2019 I sent a certified letter through the US Postal Service to Equifax stating there is an inaccurate item being reported on my credit report from XXXX  XXXX. And that I contacted XXXX XXXX at the address listed on my credit report XXXX XXXX XXXX, XXXX, IL XXXX. I enclosed a photocopy of my mail being returned from the US post office due to an invalid address. I said in the letter that given the furnisher has provided false information to them about me, and provided them with a false address, I demand that the item they are reporting be removed immediately. Equifax received the certified letter on XX/XX/2019. It has been over 30 days and Equifax has not responded back to me nor removed the item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11
Company: CITIBANK, N.A.
State: PA
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:
XX/XX/2018 CITIBANK, NA /XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX ( XXXX  ) XXXX Unauthorized hard pull / inquiry shows up on my credit report from this bank.

I did not authorized CitiBank / XXXX  to register a hard inquiry on my credit and it is negatively affecting my credit score.

I have repeatedly reached out to CitiBank / XXXX  to resolve this issue and remove this hard inquiry without success.

I have been unsuccessful in submitting a dispute due to the CitiBank / XXXX making it challenging for consumers to dispute these unauthorized hard inquiries.

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 2018-06-15
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been making payments to Capio Partners under 2 accounts for 2 years. these are accounts XXXX & XXXX. Payment was being made through XXXX XXXX. Back in XX/XX/XXXX acct XXXX was paid in full & when I called to verify I was informed of 2 other accounts that were misscoded as bankruptcy when they realized that was an error on their part they came after me agressively & I settled those accounts & continued paying on XXXX through XXXX. That account should have paid in full this week so I attempted to verify that & was told after 6 calls to different numbers that they show no record of that account & I owe them nothing to call XXXX. XXXX shows Capio has cashed every payment sent to them even though they claim I owe them nothing since XX/XX/XXXX. Hundreds of dollars gone.no answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
TransUnion is reporting a detogatory collection from XXXX from XX/XX/2008 that should have been deleted after 7 years. The account has been on my report for 10 years and 10 months.

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 2019-03-28
Company: EQUIFAX, 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:
I am a victim of identity theft. The fraudulent items attached are not mine. I pay all my bills without an issue. I refuse to be responsible for fraudulent items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX  and Transunion are reporting incorrectly that I am 60 days past due on the XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the  attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2018-02-24
Company: Worldwide Processing Group, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a phone call yesterday. It said ...

" Hello, this is XXXX. This message is regarding our location and tracing for " XXXX XXXX XXXX XXXX  '' dial zero now to speak with a representative or call XXXX. It is important that we speak with you in regards to the whereabouts. If we can not verify this information through you, the law allows us to contact all references on file.

If you are unable to provide any information please contact us regardless at XXXX. Thank you ''. I called and was told that they were collecting a bill. They said they were from FMR or Forward Movement Recovery. They called my new husband 's cell phone twice yesterday and left the exact same message there as well. He was NEVER listed as any type of reference for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My car was repod on XX/XX/XXXX ... i payed to retrieve my car on XX/XX/XXXX. Was unable to physically pick up my car until XX/XX/XXXX bc my car was shipped to auction with the intent to sell prematurely. After getting the run around and having property stolen out of my car which a police report was filed. I was still within my 15 days of redemption. The finance company credit acceptance corporation reported on XX/XX/XXXX that the account was closed and a reposession was placed on my credit report. After i spoke with them repeatedly during the XX/XX/XXXX-XX/XX/XXXX time frame and treated like i personally stoke money owed each rep they said the account was still open and now i have {$3000.00} additional added to my already high car loan and when Im only late around {$1400.00} and i paid {$560.00} to get my car back. This is legit a predatory lender and they lie to get the funds they want. Im already paying extremely too much for a car that was a lemon when they financed it and have spent well over {$2000.00} in the last 3 months to fix it. Regardless of late payments i dont need incorrect information reported on my credit report. I would like this resolved just as quickly as it was reported. Since yall were so quick to try and sell my car before my time was up. I already called and was to have someone in credit reporting look into it yet all i get was remarks. No the loan is still open and i would like it reported accordingly.

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 2018-05-20
Company: LEXISNEXIS
State: WI
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:
Lexis nexis responded to complaint XXXX filed by me to the cfpb per their response PACER serves as the way for persons or organizations to obtain case information electronically instead of requiring those same persons or organizations to visit the courthouse physically to view a case file. Because court records ARE public, any person or organization can view them through the PACER system Lexis nexis is in violation of the fcra because Lexis nexis did not verify directly with the Bankruptcy court.

Pacer.gov is a third party entity that collects information and then sells the information to Lexis nexis and other credit reporting agencies. Under the fair credit reporting act any information must be 100 % accurate If a bankruptcy court is not placing information on my report that becomes an automatic inaccurracy because the information was placed on my report by a third party pacer system. 
I feel I am a victim of scrutiny.

Company response to consumer: Closed with explanation