BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion is allowing two Fraudulent accounts listed in my Identity theft affidavit to be placed on my credit report knowing these accounts are fraudulent. I did not authorize these accounts to open in XX/XX/2015, Not only do the account credit limits appear incorrectly, Transunion has been notified that these are fraudulent and continue to allow the fraudulent accounts to appear on my credit reports. I did not open these accounts, I never received any credit cards from this institution. When the thief stole my wallet, they stole my social security card, Drivers License, and forwarded my mail. In addition the company has already been notified that I did not authorize these accounts. There are two XXXX XXXX XXXX XXXX accounts that Transunion knowingly allows. These accounts are fraudulent and are listed as such on my Identity theft affidavit which is a legal document I am attaching below again. I am requesting these accounts be blocked immediately as I never signed anything for this institution. Nor did I ever receive any information on these accounts. When I called the credit union, the agent advised me these had been opened at an address listed XXXX XXXX XXXX, and XXXX XXXX XXXX. Neither of these addresses are mine, nor did I ever live there. Since then the credit union, has verbally harassed me and threatened to show up at my door. These accounts are not mine these were opened as a result of Identity Theft, PER THE FCRA Law. I am reporting this crime to you, along with a Law Enforcement affidavit. Please block the Inquiries listed on the Affidavit along with these two XXXX XXXX accounts. The Credit limits per the agent were XXXX, and XXXX and you have them both listed as XXXX as well. So that is incorrect. The accounts are fraudulent too and they said Transunion knowingly allows fraudulent information on my credit report.

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 2018-06-19
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have tried on numerous occasions to get Navient to consolidate my loans into a extended graduated repayment plan. I have completed all the forms and submitted twice with no luck. I have been unemployed and on forbearance for a long time. I just started working again with a lot of debt and a new dependent to my family. I want to do the right thing, but I need to have all loans consolidated as I owe XXXX and on am extended graduated plan. I reached out to FASA and the system referred me back to the loan service provider Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Atlanticus Services Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Purchase amount of XXXX usd. Interest defered for 6 months. The company backcharged 6 months of added interest at a rate of 29.90 % violating the terms and conditions agreed to by the consumer Consumer has paid over {$700.00} usd ytd on credit line of {$1500.00} and current balance shows as {$1200.00} usd. 
Consumer has tried to ask why this ballance is so high and company reverts back to interest defered promo and states lump sum of interest Company is reporting to credit bureaus and is a foreign entity operating off shore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: ERC
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: Old information reappears or never goes away

Complaint:
Well over 2 yrs. ago a suspicious account appeared on my credit report from a collection agency, known as Enhanced Recovery. In the space listed as original creditor, it specified that it was a XXXX account. Well aware that I have never had an account through them because I have always had XXXX  XXXX and before them was XXXX XXXX, I disputed this information and it was determined that it was not mine and was erased from my credit report back in XXXX. Also, I had never received any calls, mail, or notifications from neither XXXX or this agency regarding this supposed debt, which I found to be extremely unusual. Now, as of about 5 months ago I received my monthly credit updates from my XXXX & had noticed my score had decreased & there was a new account placed on my credit file. When I logged into my account, to my surprise, I saw that it was this same collection agency referred to as Enhanced Recovery, however I noticed something was different this time. This agency had decided to fraudulently violate the Fair Credit Reporting Act by illegally re-aging this supposed account, thus stating that it was opened in XXXX, so it could place this debt back on my credit report to lengthen it's collection efforts & intentionally hurt my credit, along with my score. Also, still to this very day, I have yet to receive any communication about this debt from anyone!!!! I find it extremely unnerving that this agency has been allowed to get away with commiting so many frivolous acts. We as individuals have rights, & if the necessary steps are not taken by this company to correct their unfair practices & start obeying the law, then maybe major lawsuit against them is the next best thing to make sure that they are held liable for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
All of my student loans are paid off, and I keep getting calls from a company called Navient to consolidate my student loans. I have opted out of thier calls, I have talked to a customer service person and I still get these calls. I consider this to be harressment as my phone number is on the do not call list and I dont have any financial transaction with this company. thier web site is navient.com

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Experian Information Solutions Inc.
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 is missing that should be on the report

Complaint:
I'm complaining about Experian. 
In my XXXX years on earth I had outstanding credit because I never missed a payment or even made a payment late. Ever. 
Within days of receiving my statement i called XXXX XXXX to request the payoff balance of the account. I immediately paid the remaining balance in full and closed the account. 
XXXX XXXX for some reason added charges to the account afterwards of which I was unaware. 
I was never contacted by them in regard to the charges and found out for the first time when I saw that my credit score was blasted from over XXXX to below XXXX by Experian. 
After inquiries, I contacted XXXX XXXX and resolved the issue which was their mistake. 
Now my credit score is still below 700. 
I feel that my credit score dropping almost 200 points because of something that was not my responsibility is unfair. Especially considering my flawless lifetime history of timely payments and financial responsibility.

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 2018-09-24
Company: Opportunity Financial, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I XXXX XXXX took out the loan I am not disputing the loan I had a downfall in life and defaulted. I have received emails daily on call XXXX at XXXX for a customized settlement and I did not call until XX/XX/2018 when I received a " Notice of Intent to Assign Wages '' I spoke to XXXX who refused to assist her only option was for me to pay {$560.00} now and make the original monthly payments. I stated to her I do not have that money I really do not I need help she refused to offer me any solution. I currently have {$100.00} in my checking account. I asked to speak to a supervisor and she refused to allow me to speak to a supervisor. 
with the notice of intent to assign wages the letter sates to send to XXXX XXXX XXXX XXXX XXXX but XXXX told me to send to XXXX XXXX XXXX XXXX XXXX so even their correspondence is inaccurate. I think this company has no intentions to help anyone who is struggling.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Conspiracy to commit fraud. XXXX XXXX XXXX and her elder sister XXXX XXXX. XXXX took XXXX into XXXX XXXX XXXX on XXXX XXXX, in XXXX TN. On around XXXX. Where XXXX XXXX XXXX Pretended that her elder sister XXXX XXXX was me XXXX XXXX. Where XXXX and her sister XXXX and the family of XXXX XXXX XXXX who are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Where they fraudulently open online banking. Bank cards and other bank XXXX ... At XXXX XXXX XXXX, as well as other banks. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX -BANK, XXXX XXXX , XXXX XXXX  ( online. XXXX ) - Bank XXXX ... And fraudulently continue controlling accounts in my name using my # SS. Without permission or authorization from me XXXX XXXX. Where they continue to control and spend larger amounts of my money up to XXXX XXXX, XXXX. XXXX XXXX XXXX and her family live at XXXX XXXX, TN XXXX. XXXX XXXX XXXX elder sister XXXX XXXX lives at XXXX TXXXX XXXX XXXX, IN XXXX. The XXXX family and XXXX XXXX have all conspired against Me to commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Experian Information Solutions Inc.
State: OR
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 obtained my credit score from my XXXX XXXX XXXX  app and noticed it dropped 280 points. I read the summary under the score and it said, my revolving limits were maxed out and I had numerous late payments. All of which is wrong, I have 0 revolving account balances and haven't missed a payment in 9 years. I went to the bank, we went on XXXX XXXX XXXX XXXX. XXXX  and XXXX  were correct Experian wouldn't let me log in, it said my information was incorrect. After several attempts with numerous phone numbers and robo circles that went to dead ends. I finally was able to talk to someone and they referred me to someone else. Appearantly Experian mixed someone else 's info in with mine. How does that happen? How can my score drop 280 points over night and not raise a red flag with them? They said they have it cleared up now, but I am waiting for my hard copy of my credit report in the mail. I have been a victim of ID theft already and it was a nightmare. I told the guy, ironically enough while waiting for you I heard numerous ads on how you were protecting us and we could pay for more protection and here you are the one I need protection from.

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 2018-08-16
Company: EQUIFAX, INC.
State: MS
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:
Equifax XXXX XXXX is reporting that I have a bankruptcy on my credit report when I have never filed for bankruptcy the way I found out I applied for a home loan n I was denied do to this was very upset my birthday is XX/XX/1971 n social is XXXX name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Experian Information Solutions 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX and XXXX ( Original Creditor : 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 2018-11-12
Company: CAINE & WEINER COMPANY, INC.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My daughter called Caine & Weiner on XX/XX/XXXX around XXXX XXXX, acting as me I guess to find info on this. They did not verify info to make sure it was me. they released to her the Creditor and the balance and continued to discuss the file with her. i did not like that this was done. So, I called them on XX/XX/XXXX around XXXX XXXX I then find out and I called them and asked straight off to spoke with a manager or supervisor, i was transferred 2 times. I spoke with a supervisor and off the bat when i explained the issue, he stated they did not have to verify and became combative. I told him before a debt collector gives any info they have to verify info to make sure they are speaking with the correct person. That is FDCPA Law. He stated what info was released to my daughter. I told him the creditor and the balance. he stated they don't have to. I told him i am in collections. He then started to ask me, first party, third party what type am I in. I told him Legal. i work for an XXXX  office, the same as him. He said well then you know. i said yes i do know. I know per FDCPA that you have to verify last 4 of social and date of birth before you speak to anyone to make sure you have the correct person. I told him that i will be reporting this and that the call recordings they have will show that a violation was made. He proceed to tell me their calls maybe recorded. I told him i know all calls are recorded, that is how they can monitor if the collectors stay in compliance to the law. the hole time we were talking he was talking over me. I had told him i was reporting this issue. He did not like my response. There is no telling how many times they have broken the law. I do not appreciate my personal information given to anyone even my daughter. Verifying people is a Key point in a collectors job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Experian Information Solutions Inc.
State: AZ
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 and my personal data was exposed in a data breach with XXXX  where I am currently seeking damages. I am attaching supporting documents.

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 2020-10-13
Company: Experian Information Solutions 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:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2018-06-17
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
after filing this complaint with the cfpb i received a call on XX/XX/XXXX from the presidents office of the union bank, ( the target of the complaint for title 18 issues and senior financial abuse ) threatening reprisals, including an increase in my mortgage payment, a breach of my Agreement with the bank. At present time i do not know if the Bank will accept my mortgage payment of XXXX on Monday, tomorrow. there is a need for consumer protection here .... 

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 2018-11-12
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had a Wells Fargo credit card involved in the XXXX Wells Fargo account fraud scandal in which Wells Fargo sales representatives without consent of pre-approved customers created fraudulent charge accounts and collecting fees. Wells Fargo 's corrupt actions resulted in a multiple XXXX dollar law suit and settlement on thousands of accounts. I disputed on several occasions providing written complaints with wells Fargo in XXXX and XXXX. I explained that I was paying my account monthly through their electronic payment process which was suddenly stopped in XX/XX/XXXX. I contacted Wells Fargo and was advised that they had no record of my account. I never received any written, telephonic or electronic notification from Wells Fargo since that time. Upon review my recent credit report it revealed that Wells Fargo had closed my account, charged late fees, and charged off the account as a bad debt. I was never received any written notification or telephone calls from any collection agency regarding my account. As a result of their action my credit score was damaged. In XX/XX/XXXX, I again contacted Wells Fargo by telephone and was again advised that they had no record of my account and hung up. I would like the CFBP to look into this improper consumer behavior and assist me in resolving this matter.

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 2018-11-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am getting calls from this company, I am not the party they are trying to reach. They keep calling even though I have asked to be removed from their call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a bill. Paid it on XX/XX/2018. Mailed it on XX/XX/2918. Posted on my bank statement on XX/XX/2018. Received next bill in XX/XX/XXXX. On that statement, I was charged for the same amount again + a {$2.00} interest charge. I paid the total charges for both months, because I did not want my credit to be ruined. Paid total charge on XX/XX/2018. I gave the company a few days, to see what would happen. Called the company 's consumer number about the disputed billing. Was told that complaint dept. was not available. Called on XX/XX/2018, talked to complaint person XXXX. Would not listen, said that the fees + charges would stay. Asking for Help on XX/XX/2018. I do not want my excellent credit score to be tarnished.

I cancelled my card at XXXX XXXX on XX/XX/2018. Total amount in dispute is {$12.00} + {$2.00} in interest charge.

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 2019-05-23
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation