BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: ERC
State: VA
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 contacted by phone in XXXX by XXXX XXXX with XXXX XXXX XXXX regarding a past due XXXX XXXX XXXX bill in the amount of {$1400.00}. I advised XXXX that I have never had an account with XXXX XXXX XXXX. She also informed me that the account was in my name and linked to an address in XXXX, CT, and I advised her that I have never lived in nor even been to CT. I thought that this was resolved as I never heard back from them. Then on XX/XX/XXXX I received an email from my credit monitoring service through XXXX that a " Major Derogatory Account '' and " New Account '' had shown up on my credit report. This time it is from Enhanced Recovery Company, and the charge is for {$11000.00}. On Monday, XX/XX/XXXX, Enhanced Recovery called me and I explained to XXXX XXXX that this was not my account and that this was fraud. She asked me to file a police report, which I did, and she said that she would email me a " fraud package '' which I have yet to receive. She had offered to postal mail the package to me and when I asked her where she was going to send it, she gave me the address in CT, and I told her " I just told you that is not my address, I have never lived there '', thus why I asked her to email it to me. i also had to give her my emails address four times, so I am unsure if she ever got it right. ( I will follow up via phone if I do not get the email by tomorrow ). I also contacted XXXX XXXX XXXX and filled out a fraud report on their website and I contacted XXXX to report it as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I have been disputing this negative account that is now in collections since XX/XX/2017. I have contacted XXXX for the proof that the account is mines. I have disputed that the account isnt mine and i am a victim of identity thief. They keep replying to me and the credit agencies that the account is my responsibility and i owe the debt. I have requested paperwork that has my current information and signature. I have never received such paperwork. I have inquiries listed on my credit report that I didnt seek no credit from anyone. Someone is using my credit information to get accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Navy Federal Credit Union locks me out of my account whenever my car loan is late. I am completely locked out. This is a problem for a number of reasons. I can not follow my balance, I ca n't remotely deposit pay checks, this practice seems absolutely absurd. Everytime it happens I have to call and talk to someone, wasting everyone 's time to unlock my bank account. 

Blocking my bank account t seems unethical, if not illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: American Collection Services, Inc. (OK, TX)
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
We filed bankruptcy XX/XX/2018. We had the collection agency as well as the collection agency client list in the bankruptcy. The bankruptcy was discharged mid-XX/XX/XXXX. We are still getting collection notice from this agency. I have written them several letters advising them if this and to contact the attorney that handled our case. The bankruptcy case # XXXX. The collection service information is American Collection Services , INC, and the client information is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has left multiple messages at my home for my former sister in law. This morning they started calling before XXXX XXXX  and we explained that we have no contact information for her and havent heard from her in years and to please stop calling our number. They said they would update their records. They then called back 4 more times before I took my phone off the hook. But I have an elderly mother that night need me so I cant keep it off all day. It is my day off and I wanted some peace. When I spoke with them the 3rd time they called they said Ill probably get more calls because it takes time to update their records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: MI
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:
Please reinvestigate inaccurate items posted on my report. Ive been trying to get some written information showing where I did so from all companies I have not received it. A computer is not acceptable I need the proof!. Please reinvestigate and remove this nonsense from my report as it is hindering me from better myself in life

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I secured an installment loan from XXXX over a year ago. My payment due on XX/XX/2018 became delinquent and the company has called my house ( XXXX ) five ( 5 ) times and my cell phone number ( XXXX ) seven ( 7 ) times from two different numbers. These calls took place today XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: TekCollect 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:
I have a loan with US DEPT ED, USDOEXXXX, and TEK COLLECT ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, US DEPT ED, USDOEXXXX, and TEK COLLECT ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to dispute the following information in my file. 

Two XXXX XXXX accounts with the same account numbers XXXX are reporting inaccurately on my credit report with two different open dates, and credit limits. Duplicating account information like this is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 

Please investigate this matter and delete as soon as possible. 

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 non-monetary relief
Consumer complaint received 2018-08-04
Company: Experian Information Solutions Inc.
State: PA
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:
About 2 years ago I filed a chapter XXXX bankruptcy where my student loans were not forgiven. On the credit report with all three credit reporting agencies ( XXXX, XXXX, and experien ) refuse to remove bankruptcy on all my closed fedloan accounts. They claim the loan provider fedloan verified it was XXXX in bankruptcy. This is not true. My loans where XXXX through TPD from fedloan for being a XXXX veteran. I called fedloan numerous times and the have sent over proof they were closed due to XXXX but reporting agencies have continued to report bankruptcy. Im considering a class action lawsuit if not resolved. On a seperate complaint I have 18 hard inquires due to fraud they refuse to remove too

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 2020-05-11
Company: Experian Information Solutions Inc.
State: TX
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2018-08-04
Company: AES/PHEAA
State: PA
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:
About 2 years ago I filed a chapter XXXX bankruptcy where my student loans were not forgiven. On the credit report with all three credit reporting agencies ( XXXX, XXXX, and XXXX ) refuse to remove bankruptcy on all my closed fedloan accounts. They claim the loan provider fedloan verified it was discharged in bankruptcy. This is not true. My loans where discharged through XXXX from XXXX for being a XXXX veteran. I called XXXX  numerous times and the have sent over proof they were closed due to XXXX but reporting agencies have continued to report bankruptcy. Im considering a class action lawsuit if not resolved. On a seperate complaint I have 18 hard inquires due to fraud they refuse to remove too

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Me and my wife have both been victims of identity theft after our personal belongings were stolen while on vacation. We submitted all of the proper documentation to the bureaus on XX/XX/2020 ... .no alert was place on my file and none of the fraudulent accounts were blocked or removed per section 605B of the FCRA.

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 2016-01-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
While traveling in XXXX, I was at an establishment that in addition to the correct charges hit my card for {$3200.00}. I disputed these with Wells Fargo as I had not authorized any beyond the first and, after producing alleged " signed receipts '' that were nothing but a vague scrawl ( and note that the establishment had an actual copy of my signature to work from ), the bank denied the dispute. In addition, it is shocking that it was not detected as a possible fraud, as no activity remotely like this had never happened in the entire time I had an account at Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank of America has been abusive in a hold on funds of {$3500.00}. from XXXXXXXX XXXX Draft from Business Checking ending in {$6300.00}, which were swiftly collected from XXXX after Bank of America ATM deposit on XX/XX/XXXX. 

The funds did not credit to the Bank of America Personal Checking account ending in XXXX, for XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. The Branch has contended that they do not have the funds and that the Clearing House that they use has put a hold on the money and they are powerless to do anything about it. 

Meanwhile, today is 8th day, and they can not do anything to help me, even though I have a high rated Checking Account since XXXX ( XXXX XXXX ) with no history of overdrafts or fraud. 

Bank of America Branch, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, CA XXXX. 
Phone : 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 2016-11-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2016 I called Wells Fargo who has my mortgage that I would like to change my payment to weekly instead of every first of the month. I informed the CSR on the telephone that this should be effective for the month of XX/XX/2016 so we agreed that {$910.00} be taken out on XX/XX/2016, then XXXX starting XX/XX/2016 and every XXXX after that date. I was surprised when I checked my Wells Fargo home mortgage account on XX/XX/2016 that I was charge a late fee of {$18.00}. I immediately called the Wells Fargo Home Mortgage and inquired from them about the situation. I do n't understand why I should be charged a late fee when there was already an agreement that I pay weekly. I was told that there was a late charge because the payment was taken after XX/XX/2016 The CSR I spoke to blamed miscommunication and stated that {$18.00} will be waived. Today XX/XX/2016 this late fee is still in my account. I am worried because I checked my Wells Fargo Mortgage account and there states total amount due to make a loan current of {$18.00}. They have already taken my weekly payment of {$450.00} on XX/XX/2016 and XX/XX/2016. I want for them to straighten out their accounting on my mortgage please. I do n't want for them to keep on charging me {$18.00} in late fee when I am not late. An agreement for a weekly pay was reached on XX/XX/2016. I did not call Wells Fargo after XX/XX/2016 because I am too upset to talk to their CSR and will just put this under the rug for miscommunication. I was already assured on my call last XX/XX/2016 that this late fee will not charged to me and that there will be no future {$18.00} late fee that will be assessed since I have set-up a weekly account. 
Please help. 

Respectfully, XXXX, CA XXXX XXXX Wells Fargo MTGE Acct 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 monetary relief
Consumer complaint received 2020-11-14
Company: National Credit Systems,Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -XXXX XXXX XXXX # XXXX -NATIONAL CREDIT ADJUSTERS, L.L.C # XXXX -NATIONAL CREDIT SYSTEMS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Conn's, 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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
I paid {$480.00} to Portfolio Recovery in full with a debit card on XX/XX/2018. The Funds cleared on XX/XX/2018 from my bank account. I called Portfolio Recovery to request a reciept of my payment. I was told there is a waiting period before a reciept can be issued. I requested that the confirmation of payment be emailed to me. I gave the representative my email address. I never received the reciept. I disputed the balance with the credit bureaus and as a retaliation tactic Portfolio Recovery Associates added a negative remark, they updated the status of my account to " Derogatory '' instead of paid and " Closed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was currently in a chapter XXXX bankruptcy which I later converted it to a chapter XXXX which included my mortgage. I later applied for a loan modification with Ocwen loan service. I was approved so I dismissed my chapter XXXX because I no longer could afford to pay my bills mortgage and bankruptcy payments. I am current on my mortgage but Ocwen keeps reporting it as late on me and my wife credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT.FTC ID THEFT # 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 2018-08-04
Company: John C. Heath, Attorney at Law, PLLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I paid for repair services from XXXXXXXX XXXX and 4 items were supposed to be DISPUTED from very beginning. I was given information that the collector has 60 days to respond then when I spoke to XXXX was told its 30 days. I stayed with company for more than 60 days with no response from any of these creditors. The accounts are 2 XXXX XXXX XXXX, 1 XXXX XXXX, 1 XXXX XXXX/XXXX XXXX. The 2 XXXX are a hospital and I've always had covered by access and should have never been billed. The other two were secured credit cards paid in full already with the deposit. I called and canceled the repair service because all the items disputed and recieved no response were not removed. I then called the creditors and they just reopened the accounts. I had to dispute directly with the debt collectors myself when that's the job of the repair unless they did not receive a response then they wouldn't need to. The debt collectors disagreed the reasons to take it off so the accounts stayed. The 4 are still  showing up and I need them removed to have nothing negative on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have an other complaint # XXXX about Well FargoLoan # XXXX and this is just more to be added, I have paid my mortgage and it is paid up to date. However I have yet gotten a current up to date statement from Wells Fargo? I have had to fax a Cease andDesist letter to Wells Fargo because I was getting callsa few times a day to pay my mortgage. I also have been toldI owe {$470.00} in late charges, but when I called to ask aboutthe late charges the amount changed every time I talked tosomeone different? I asked for documentation to show mewhen I was late and was told that was n't available? Butafter my first complaint to CFPB I got a call from a XXXX XXXX XXXX EXT XXXX who told me she would investgate and get me all the documentation, never heard fromher again? Please find all documentation attached. 
Thank YouXXXX XXXX XXXX # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation