BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-23
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have  made. It is the result of identity theft.

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 2020-08-22
Company: WELLS FARGO & COMPANY
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:
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 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 2019-09-23
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: Their investigation did not fix an error on your report

Complaint:
XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$23000.00} on XXXX partial account number ****XXXX. ( Please see page 23 of the attached credit report. ) Number ( 1 ), this account is a business credit card account, and ( 2 ) this account should not be reporting at all on my 'personal ' credit report. Also, XXXX  and  XXXX are reporting incorrect information on the XXXX partial account number ****XXXX. This account as well should not be reporting on my credit report. ( Please see pages 3 and 4 of the attached credit report. ) This inaccurate and incorrect reporting is harming my credit score and these multiple line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2019-09-23
Company: HW Holding, Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We originally tried to contact hunter Warfield by mail in XXXX of 2019 by mail. I have receipt of delivery but never received any information from them. After waiting 30 days to receive a letter from them I assumed they would not mail an invoice. This was listed on my XXXX credit report and I filed with XXXX  to validate the debt. XXXX did validate the debt and said it was owed. I then tried to contact Hunter Warfield by phone to ask them to send an invoice about the debt. Hunter Warfield stated they would not send us an invoice until the debt was paid. This seemed odd to me but we were trying to get our home refinanced at the time so we were between a rock and a hard spot. I paid this debt by credit card so I could receive a receipt. Even after payment they made me wait for a 24 hour waiting period before they would send receipt of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: American Student Assistance
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, I was told that I had completed my rehab by a representative at American Student Assistance or it's representative. 

I documented the balance due and date. It's below. I waited and called a while after and was told that the loan was sent to XXXX XXXX and the amount was about $ 58K and that I was not out of rehab. I called onXX/XX/XXXX and was told I need to start over my rehab since I asked for proof of amount. They added {$8000.00} to my loan when it was transferred which is what I complained about in XX/XX/XXXX. 

I want help with getting the phone records from my conversation in XXXX. I called on XX/XX/XXXX again and got got a supervisor named XXXX XXXX. ( XXXX XXXX - XXXX ) She says she will find out who the original college rehab was through. I plan to then ask that provider to review the phone call record from the data below where my balance was given and get my rehab payment record. 

I need help to make sure this happens as when I call XXXX XXXX, they tell me I need to restart the nine months over again. 

Monday, XX/XX/XXXX XXXX PM I am to receive letter or email Rehab is done Loan will be in good standard Agency Relations - XXXX Option 2 ASA is the Guarantor of the loan Balance {$49000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a new vehicle initially financed through XXXX   XXXX! At the time of purchase I told the new car salesperson at XXXX XXXX in XXXX XXXX Michigan I had autmobile insurance with the XXXX XXXX XXXX XXXX who I have been insured with since XX/XX/XXXX. This transaction was in XX/XX/XXXX. The salesman, instead of calling XXXX to transfer insurance from the vehicle I XXXX in, apparently had a friend --?? 
who would give him " Proofs of Insurance '' so the dealership could issue license plates and register the vehicle. This friend fraudulently purchased insurance-which I never applied for -- with an insurance company called XXXX who remained on my Credit History and effected what I had to pay at the time I traded in the car I owned, bought at XXXX XXXX, initially financed through XXXX XXXX, and transferred without my consent to Ally Financial. When I traded in the vehicle I purchased resulting in an Ally Financial Account there was some comprehensive damage sustained when someone hit my vehicle while I was shopping at XXXX XXXX XXXX in XXXX, MI. I notified my automobile insurance company, XXXX, of the loss. When I traded in the vehicle, XXXX told me they paid off all monies owed to Ally as part of their payment of the comprehensive damage claim. I was told by Ally today they sold my vehicle at auction for $ XXXX- WHICH I WAS NEVER NOTIFIED OF THE ALLEGED SALE- I TRADED THE VEHICLE IN AND THOUGHT XXXX  a/k/a XXXX XXXX XXXX   XXXX XXXX XXXX , paid off any monies owed to Ally when I traded the vehicle in and purchased a new vehicle. Ally should not be reporting me as having a vehicle loan that was charged off. Firstly the initial sale was fraudulent, XXXX knew and when Ally assumed the loan from XXXX they should have known. Next I thought the Ally loan was paid off by XXXX when I traded the vehicle in to purchase a new car. I called XXXX today because I applied for credit and was denied because of the Ally loan adversely reporting. This reporting is wrong because the initial loan was fraudulent, and the balance was timely paid in full by XXXX. Please have Ally remove the adverse reporting to the three Credit Reporitng Bureaus-XXXX ; XXXX, and 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 2018-05-12
Company: Global Credit & Collection Corporation
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today I received a collection notice in the mail from Global Credit & Collection Corp. The envelope and postage appeared to be junk with " Presorted '' in the stamp square. The letter is claiming that they have taken over " my debt '' from XXXX XXXX and that i owe {$1600.00} to a XXXX XXXX account giving no dates. No idea who XXXX XXXX is either. I have beautiful credit, no unpiad old accounts, nothing at all deliquent, past due or have I ever been late paying. I check my credit through XXXX XXXXXXXX XXXX, my bank and credit cards multiple times a week. Its alarming since I do have a XXXX XXXX card, but the info on the letter is not my account info at all, and my balance is much much less, so I have no idea what this debit is. The letter threatens that must I contact them within 30 days or they will assume the debit is valid. I have researched this company to find multiple complaints on a slew of sites including Consumer Affairs, all about scamming. One person said this company put hard inquiries on the their credit report with false amounts owed- they did get it removed, but how are they able to do that?! Also every person spoke of repeat harrassing phone calls, rude language, vauge information, and the representatives hanging up on them. Also, one of the complaints claimed to have spoken to an attorney who verified that this company in a scam and not a real collection agency. I found that they are not XXXX   accredited, appear to be from XXXX and are using XXXX addresses. I am hesitant to call them because i do not want more phone calls, I get enough solicitors that I do not answer even though I am on the do not call list. They are crazy if they think i will give them any of my information. I also do not want my credit compromised due to this fraud so i will keep monitoring and hopefully I wont have to dispute this. I have worked very hard to be in good standing, and for someone to mess with it to scam me is just not right. Be careful, do not fall for this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: EQUIFAX, 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:
Equifax is incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureau to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I post sublet for someone to stay in my place. One woman named XXXX XXXX wants to stay in my apartment. She supposed to send XXXX  but She sent extra XXXX on her check. She said I need to give the rest money to the delivery guy who will send a rent car to my place for her. I deposit money in my bank, Bank of America. I transfer the extra XXXX to the delivery guy she asked through XXXX, the online money transfer. Once the money has been transferred, she cancel the check from her bank. So now I have XXXX minus on my bank because the money I sent has been processed but the money I got from check had been canceled. And XXXX does not answer or reply my messages anymore that the check has been canceled.

I called BOA right away, but they said they can not cancel the XXXX transaction because the money is already transferred to them. If they " can cancel '' the check that BOA already " approved '' and I already " got '', they " should cancel '' the XXXX  transection that could be done by the check that BOA approved!

the information about where I sent {$3000.00} by her request : XXXX   Name : XXXX XXXX She asked me to sent the last {$1000.00} to someone else through XXXX XXXX  or XXXX XXXX, because it was not processing.

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  GA, XXXX her information is Name : XXXX XXXX email : XXXX   phone : XXXX XXXX XXXX The check I got from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN , XXXX XXXX XXXX XXXX XXXX  MN, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-23
Company: JPMORGAN CHASE & CO.
State: FL
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:
On XX/XX/XXXX and XXXX I made payments to bank because I was closing my account and moving out of the country on XX/XX/XXXX I went to the bank to pay any outstanding debt because I was Closing my account before I left, the account manager called the chase credit card department she gave me the phone the lady ask to confirm that I was closing the account I said yes, I asked do I owe anything else she replied no. 
So I think everything is fine so I left the country, a couple of months later I get notification on my phone saying I owe money I thought it was a scam so I didn't log on and i deleted it. 
On the phone app I can see my accounts that are open they don't show a closed account so I have no idea that I owe money on a CLOSED account.MY wife had returned to the states so I had her check at the bank to see what was going on they said yes that I owed {$260.00} dollars didn't seem right but I told her to pay it thinking problem solve but no they didn't tell her that the total amount was {$380.00} so I got more dings on my credit report when I returned to the states and spoke with branch manager she said nothing they can do and that they would return all the fees and interest charges which doesn't help my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-20
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Friday XXXX XXXX, 2017 I received three letters concerning three accounts I have with M & T Bank- that they are going to close all my bank accounts- including a personal credit card, my personal bank account, a company bank account and my 401K retirement account in 30 days and I must take all my accounts to another bank. They have not given me any reason for this and state they will not give me a reason. I have a XXXX credit score and never had a returned charge. Also, the 401K bank account took weeks to set up and I can not switch this account to another bank at this time and possibly not at any time in the future. Some banks do not open accounts like this and it is a very long process to open this type of account. The bank has required me to keep {$5000.00} on deposit for my 401K accounts and I have done that. Why would they not want to keep this account since there is no expense for them to hold and maintain this account? Why do they do this to a very good customer with a very good record and credit score? I can not move these accounts at this time because I am a XXXX for a XXXX XXXX XXXX program and have too much work to do in the last 4 weeks of the session to spend on setting up new accounts with another bank.

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 2019-09-23
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have received back to back phone calls from XXXX XXXX XXXX ( XXXX Bank ) Credit Card. 
I am about 18 days past due, and this amount of phone calls is absolutely harassment. 
They call from an unknown number every time, so when I did finally answer on XX/XX/2019 @ XXXX XXXX, not knowing who it was I asked who it was?! 
She said she was with XXXX XXXX XXXX and I said I would be making a payment in the next few days and that the ridiculous excessive amount of phone calls had to stop, do not call me again. 
They literally called me within 30 mins, 3 times!!! She said well that's true, I said they needed to stop, and she said we can call you as many times as we like and as often as we want!!! I told her wasn't legal and she stated it was. 
I ended up hanging up on her. 
Listen to the phone recording of the conversation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-12
Company: Prim and Mendheim
State: AL
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:
Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX This is the company that has called me about a apartment I never lived in saying I owe them i gave them my address at the time and how long I lived there and I never lived in XXXX Alabama and they checked my credit twice without my permission then told me they had the social security number wrong but I am stuck with not one but two hard inquiries while trying to repair my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: Perfection Collection
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX, I was notified with an alert on my credit report for a collection from a company named XXXX. I previously found out a few weeks prior that I was a victim of identity theft from individuals putting an apartment in my name. I reached out to the number provided on the account to which I reached the debt collector perfection collection. I explained what occurred and the individual over the phone told me I needed to send my police report which I did the next day. Fast forward two months I receive a threatening phone call about being sued by this company after receiving earlier threatening calls from a gentleman leaving vulgar voicemails which I still have saved. I reached out to the number to which the gentleman stated I was in collections and needed to pay the debt, I explained to him it was fraud and even the credit bureaus have determined it to be fraudulent as well as previous collection agencies perfection collection sold this account to obtain the debt. He stated my file was still in collections and hung up. I received a phone call from XXXX XXXX XXXX on XX/XX/XXXX, I explained to them that I was a victim of identity theft sent over my police report, called back the following day to follow up and the manager told me she was going to close down the file and send it back to perfection collection to close down since it was reported as fraudulent, prior to this call to XXXX XXXX I called perfection collection since XXXX directly stated I needed to speak with them since they could not remove my name from the file since it was submitted to collections, I spoke with XXXX on XX/XX/XXXX in which he stated I owed this debt if it was my debt or not I needed to pay the debt, he began going on about I needed to find some way to handle it and hung up the phone. I have spoken to XXXX directly ( XXXX XXXX ) who has been trying to figure out how to get my name removed from this file to no avail. As of XX/XX/XXXX I get a call from a family member telling me that someone has been reaching out to HIS friend about my debt, someone I have no relations to or even know personally. They have been calling this individuals phone nonstop with the last phone call coming in at XXXX est past legal operating business hours. This company perfection collection has been harassing individuals that have no relation or contact to me about a debt that has been blatantly proven to be identity theft. I have the police reports, the FTC reports, credit bureau reports and still this company does not adhere to documentation that proves it is not my debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
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:
I was denied a personal loan through my bank because of bad credit I have been at my bank for over 12 years and was confused, When my credit report was pulled, I noticed several things that dld not belong there because It wasn't me. I got the police department and FTC involved. XXXX, XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23
Company: Experian Information Solutions 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:
They are fraudulent accounts being reported. I have submitted the theft affidavit and police report and they have failed to remove the fraudulent information which by law they are supposed to do.

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 2019-09-23
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:
They are fraudulent accounts being reported. I have submitted the theft affidavit and police report and they have failed to remove the fraudulent information which by law they are supposed to do.

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