BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-14
Company: WELLS FARGO & COMPANY
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My wages are currently being garnished for a debt that is past the time-barred statute of limitations for it's being collected using these means. I was not served documents or paperwork stating that there would be a court date or hearing, I was unaware of the court proceedings and could not make my defense about this at the time. The original debt was for a revolving credit card and the limitations for that are 4 years in the state that I live in. The current amount being collected is {$6000.00} and the garnishment has been awarded to them for the full 25 % allowed deduction from my salary. The last date that there was any transaction with the account was in XX/XX/XXXX, that was a garnishment as well. The account went to collections in XXXX. The original debt was for a credit card that had a {$1700.00} limit, the interest rate they're charging is at 23 % and I'm overwhelmed by the nature of both the abrupt garnishment and the inescapably large amount of money that this company is attempting to take from me.

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 2020-11-13
Company: I.C. System, Inc.
State: FL
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:
I had submitted a complaint against this collections creditor that is reporting on my credit reports. I had sent them a request for full validation and to date, they had not responded to me with the information that I am entitled to receive according to law. The Consumer Finance group just sent a reply to the complaint I made, which was XXXX. They just said this company would respond to the complaint directly by mail since they could not figure out who I was. I don't know what other information they would need. In the complaint, I submitted my information, my date of birth, last 4 of the social, which is way more than they have already. I also provided the registered mail / return receipt from the letter I had sent them to obtain validation of this debt. Their answer is generic and incomplete. The basis of the complaint is that they have not mailed me all of the items required by law. Why is the complaint closed. They not only have not provided any answers on the debt but did not answer the complaint. The reason for the CFPB is to protect the consumer, when a credit or finance company is not following the law. This complaint needs to remain open and this creditor needs to answer the initial complaint, which is 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 2018-12-21
Company: EQUIFAX, INC.
State: AL
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 credit reporting companies are not properly investigating rather they keep just replying with the same prepared response

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed on my home on XX/XX/2017. Thus far I have had no trouble making payments or keeping up. However my loan was sold for its original holder to loan care its current servicer. This is a normal practice of course. What I am upset about is, when I paid my loan in XX/XX/XXXX, I was charged a XXXX dollar late fee for paying on the XX/XX/XXXX. According XXXX XXXX regulations, a servicer is not allowed to charge a late fee to the borrower until after the 15th day. I have tried call them many times to resolve the issue, but just ended up hanging up, because the hold times for an operator is over 1 hour.

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 2018-05-16
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX  to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for EQUIFAX to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

According to the companys website upon receipt of a written request they will usually remove a fraud alert within 72 hours. 
Its been more than 72 hours since the request was made and the Fraud alert remains. 

This erroneous fraud alert is being publish without my authorization written request, and has caused me to be denied credit. It is of an urgent nature that I am requesting your assistance in have this unauthorized fraud alert removed. Additional I would like the credit bureau to notify each company that has conduct a hard pull of my credit within the last 30 days that the alert has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: ENOVA INTERNATIONAL, INC.
State: VA
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:
Good evening, I am writing because of an ongoing dispute I am having with a collection of which I have not enough information, despite asking for this information on numerous occasions in accord with the FCRA, FDCPA and FCBA. 

The collection appears under the name Net Credit and is listed on my consumer credit files. All my disputes have been ignored and no such paperwork has ever been provided. It would make sense since this is not mine but the company refuses to remove it. i am asking for assistance in this matter. 

I am asking that this agency please assist me in correcting this wrong and holding this company to account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: SYNCHRONY FINANCIAL
State: NY
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:
Looking over my credit file, On XX/XX/2018 there was a hard inquiry put onto my account. I did not authorize said inquiry with the company XXXX. This is fraud. I called the company a few months back they said they would remove It. I looked today XX/XX/2018 and it Is still on my file.

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 2021-07-17
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: Account information incorrect

Complaint:
THESE INQUIRIES ARE NOT MINES!!! bro according to united states code 1695 and fair reporting credit act along wit fdcpa rights, any unauthorized and fraudulent activity must be removed and gone from reporting to my consumer report! Like I Have attached documentation of the letter that was sent to the furnisher on XX/XX/2021. They are still contacting me and this has shown up on my transunion credit report! I, XXXX XXXX XXXX IS SENDING THIS MESSAGE, IM NOT HAVING A COMPANY SEND THIS ON MY BEHALF!

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 2019-02-28
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted the company directly and they refuse to remove when it is not my account. When asked they can not provide any documents that show otherwise. They become belligerent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2018 Bank of America took {$660.00} out of my personal account.. regarding towards a closed account that ending in XXXX.. that I have been trying to work with them but they wanted for me to pay amount that I couldn't afford.. I already have a case complaint with you guys and the number is XXXX. I also reach out to a company called XXXX XXXX and I spoken to XXXX to see if she can help ..which my case file # XXXX and her direct number is XXXX Ext. XXXX and she calculated all my expenses and my income and she said I barely break even..Bank of America know XXXX have been struggling for a while. The money that I had in my account was for my car payment and phone bill and gas..that is due on XX/XX/XXXX and Now my account is going to be in the negative because I don't have the funding to cover my charges..I don't understand how they can do that..

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 2017-09-16
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My issue is with Experian ( website not working and costs $ $ $ ), XXXX ( costs $ $ $ ) and XXXX ( no security and insider trading ) for credit freezes.
My information was included in the XXXX hack and following instructions went to place a freeze on my credit report. The website does n't function and requires me to send in a variety of information over the mail. Additionally, it costs money each time I want to freeze/unfreeze my credit information.
I am 99 % certain if they had problems selling my information to others electronically they would place top priority on fixing those, but when it comes to protecting myself from the racket they are running its a pain in the @ $ .

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 2020-05-11
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife contacted SunTrust bank about a possible deferment at the end of XXXX / beg of XXXX. SunTrust said they are only offering a forbearance and she declined. She tried to Make the payment on our first mortgage and it is blocked from us being able to pay. She called them multiple times over the last few weeks and has been waiting for a call back. I was able to call last week ( XXXX ) on the way home and got through. I was told that the act of us calling placed us on a forbearance. I asked to be taken off Immediately and pmts reinstated. We still arent able to make pmts. We tried calling this evening ( XX/XX/XXXX ) and at XXXX the recording states their offices are closed even though their hours are till XXXX. They state on the recording that they have 8 hour hold times and to leave your number for a call back. We just want to make a pmt on our first mortgage just like our second mortgage which is also with them.

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 2020-07-02
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've been shopping around for cars so yesterday XX/XX/20 I finally applied to see if I would get pre-approved for an auto loan and I was told that I would not qualify because there are seven accounts reflecting negatively on my credit. I was not aware of these accounts because I never opened them and I didn't give anyone permission to open them in my name. The account names are the following. XXXX, XXXX XXXX XXXX, and US Department of Education. I never authorized these accounts to be opened in my name nor did I benefit anything form them such as money, goods services or any other benefit and I never made payments towards them. I have filed this report to the best of my knowledge as well as a police report and a complaint with the Consumer Financial Protection 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 2018-06-24
Company: Pacific Union Financial, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Starting in 2018 Pacific Union Financial starting charging a fee for payments made after the XXXX  of the month ( {$5.00} ) and after the XXXX of the month ( {$10.00} ). This information is not included in my truth in lending paperwork and therefore should not be a charge I should incur. When I called customer service to ask about this, they said it was because so many people had defaulted on their payments that this was an effort to recover this. I have never been late on a payment in 4 years with Pacific Union Financial and do not feel this is fair to impose on customers who do pay on time.

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 2020-07-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I called for COVID relief/mortgage suspension because my husband lost his job. My XXXX payment was suspended. I further looked into COVID suspension issues and decided we can handle the payments and paid my XXXX and XXXX payments including my interest for XXXX. I have called and opened up 9 cases with Wells Fargo to correctly apply the interest payment to interest and not additional principal. They did not follow my clear instructions on the coupon remittance to apply that payment to interest. I have been calling since XX/XX/XXXX to clear the situation. They have promised me they will take care of it and to this date they have not dones so probably because the bank is getting paid for COVID cases. My loan is not a COVID case and I have paid in full every month. Wells Fargo is probably getting paid per mortgage COVID case and is classifying my account as such.

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 2020-11-13
Company: Aldous & Associates, PLLC
State: UT
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:
Aldous is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt. I called and paid it immediately. I had never received a phone calls, notice or letters about this debt and that violates my 30 day right to dispute. I need this account removed/fixed ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries : 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 2018-12-14
Company: EQUIFAX, 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:
I have Requested Validation of the following account that Equifax continues to report on my credit file : Bankruptcy # XXXX. Equifax lists XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/2018. On Wednesday XX/XX/2018 I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with XXXX agent ID # XXXX and she informed me that a security freeze was placed on my account as of XX/XX/2018. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. On Wednesday XX/XX/2018, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with XXXX agent ID # XXXX and she also advised me that my security freeze was confirmed and set into place as of XX/XX/2018. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/2018. I demand that this public record Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifax 's so-called 'verification? on XX/XX/2018 WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. Equifax has FAILED to validate this bankruptcy and is in violation of the FCRA. All they send is a XXXX XXXX address and a statement saying 'the account is verified. I demand that this unverified account : Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
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:
I was a victim of fraud/scam using XXXX through my Wells Fargo mobile app. I tried calling Wells Fargo and explaining my situation. I have been a long time customer, yet they were unwilling to help me in any way to recover my loss money. I think {$250.00} is a small amount in comparison to the billions they manage, that could be returned as a courtesy to a loyal customer. I am the victim here.

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 2020-07-02
Company: EQUIFAX, INC.
State: OH
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 and XXXX are both reporting a collection from a company in the name of XXXX XXXX and the collection references an account with XXXX but I never had my account with them I paid sprint directly for my balance owed. I disputed the account with the credit bureau and they simply kept it on my file and showing the balance as XXXX. Thats still not okay with me this shouldve never been posted to my credit bureau and I want it removed fairly. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Checkr, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was denied partnership with XXXX based on information from Checkr. The problem is that I am still being flagged for a felony that I have completed deferred adjudicated rehabilitation and therefore there ia to be no conviction and therefore nothing to flag on my record. This has now caused me to be rejected and at a time that I am in dyer need of work.

Company response to consumer: Closed with explanation