BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a call from a man saying are you ( my full name ) and you live at ( my address ), I said yes. He said he was a legal processor, and needs to serve a legal judgement against me tomorrow XX/XX/XXXX @ my home address between XXXX, and asked if I would be home, I said yes. I asked him from what company was this from? He said it is a sealed confidential legal envelope and he does not know. But if I have questions, I can call XXXX and give claim # XXXX. I called, the woman said she was with XXXX, XXXX XXXX XXXX. I asked what this was about. She knew my name, address, phone #, last 4 of my social security #, my current, and my previous address in another state. She said Wells Fargo had a judgement against me for a delinquent XXXX XXXX account and that I owed {$3400.00}. She said they have attempted contacting me several times with no response to settle debt. I asked how did they contact me and when. She said a letter was sent to my previous address in ( state XXXX ) in XX/XX/XXXX & to my new address ( state XXXX ) in XX/XX/XXXX. I said I never received any notifications or calls. This exact same situation took place with me about 3-4 years ago, supposedly a debt from Wells Fargo XXXX XXXX account XXXX But back then it turned violent and threatening of my imprisonment, my life and my families lives. I called Wells Fargo back then and was assured they do not use XXXX XXXX and there is nothing under my social security #. I did the same today. Again re-assured they only use XXXX XXXX XXXX and nothing under my social. They advised me this is a phishing scam and to report to FTC, who referred me to you. I called scamer back 2 times to ask their address, the woman provided XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. IL XXXX and told me to " cease & desist from calling us and used my first name ''.

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 2023-11-10
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
The loan servicer for my student loans is Mohela. I was previously on the income driven repayment plan of REPAYE on XXXX  but submitted my application to the SAVE plan on XXXX  where I would pay {$460.00}. Instead, Mohela entered me into LEVEL standard repayment plan {$1900.00}. The explanation that I received for this was that there was an error on my IDR application but they could not tell me what that error was. They said the best course of action was to reapply so I did on XXXX I was told to reach out in 4 weeks if I didn't hear back. On XXXX ( 5 weeks later ) I called back and the resolution center said my application errored out again and that they would submit a " note '' to get it processed within 10 days. I called back 10 days later on XX/XX/XXXXXXXX  and I was told that the application is still processing and to reach out again on XXXX My administrative forbearance is set to end on XXXX I do not believe my application will be processed by then and will continue to have the same problem. I am currently on the Public Loan Forgiveness and worry that these months will not count towards that and will set me further from forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX ( XXXX ) Account number XXXX Placed on my report XX/XX/2021 2021

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 2021-05-27
Company: Credit Systems International, 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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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:
I have a charged off account reporting to all thr CRA with XXXX no date of last payment and no payment History leading to charge off being reported I have disputed this several times as well as provided additional documentation regading this account to only have the account update and verify with no changes being made to report. The account has never reprted a date of last payment or DOLA date they are going by the date the account charged off. the law states that no later that 90 days after reporting a charge off the furnisher must provide the month and year of the commencment of the delinquency on the account that immediately preceded the action. This account has not done that and should be deleted from 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 2021-06-23
Company: Allgate Financial, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received repeated phonecalls for 3 years from a company which is obviously the same company, but uses a different name each time they call. They are attempting to collect a credit account which XXXX placed for collections almost 10 years ago. It's well outside the statute of limitations for lawsuits. They use threatening language ( lawsuits ), abusive language, they've called my mother, they leave threatening automated voicemails, and they claim to know nothing about previous contacts every time they call me. 

Today they named themselves as " XXXX XXXX  XXXX Department '' with a call-back number of XXXX. 

They always call from either a spoofed number or a private number. They will not disclose the legal name of their company, they do not disclose any mailing address or account numbers, and they refuse to remove my numbers ( personal, work, parents house, etc ) from their systems despite repeated demands to do so.

I have attached various correspondence I have seen to every agency I was able to locate which may be associated with the debt, as well as the one reply I received from XXXX, and several example voicemails I have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/2019 I received two bills from Macys. one was regular statement the other was for an XXXX XXXX So I called and found out they transfered me to an XXXX  without my knowing it and said they sent me a letter. I never received a lettering stating this. I ask to have my Macys credit card that I've had for forty six years and they said no sorry we cant do anything about it cuz the letter stated this was going to have this happen. I DO NOT WANT AN XXXX. They said too bad it can not be reversed even thou I didnt know anything about it.Why should they be able to convert my card to an XXXX if I didnt want that. Macys is my card of choice.I view this as fraudulent practice. I never signed anything or saw anything about this. I just want my Macys card back! 
account # XXXX is my Macys  account # XXXX XXXX is XXXX I do not even like XXXX XXXX why should I be forced to take a credit card I never applied for?

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 2023-03-01
Company: EQUIFAX, INC.
State: CO
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 just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 
5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: LA
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 contact the company as well as filed a complaint. This company was reporting incorrect information and did not conduct a proper investigation. I contacted XXXX XXXX about the matter and theyve confirmed its not being reported correctly. I am requesting the account is deleted. This company has reported a payment history on a closed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CCS Financial Services, 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:
I have a collection acct with a credit collection services. They had a debt for XXXX insurance  I had. Its {$340.00}. I actually paid the debt with XXXX when I switched back to them. And it was reported paid in full. At this time I am now trying to get a home loan. Im a XXXX working with a company and to be able to get approved I need to have credit collection services remove this from my report. The company Im working with has had multiple clients get their items removed from their credit report when requested from credit collection services when asked. However they are refusing to remove mine. I dont feel that its fair to ne that they have removed others via a pay to delete proposal but when I ask them, they are refusing. This isnt a fair consumer proactive. I also have evidence in the form of a letter from them to another client they did remove it from so I know they do it even though they claim they wont. My name is XXXX XXXX and the company is Credit Collections Services XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: WELLS FARGO & COMPANY
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My name is XXXX XXXX. I have an existing complaint against Wells Fargo Bank. Well Fargo allowed another person to open accounts, recieve debit cards, checks, change my account information. All this was done during an investigation of fraud I made on my accounts. 
Wells Fargo initially told me, law enforcement, experian, and the XXXX I stole my own money and they investigated this several times and I did this. I reported Wells Fargo to the Executive office of Complaints who also claimed there was no fraud and I stole my own money. I then reported them to your office. Low and behold they have now sent me a letter telling me the accounts are not mine and I did not open them. Wells Fargo is only paying me for what they allowed to happen the month of XX/XX/2020. I called and asked them about the remainder of the missing money, fraud. Transfers and why they will not cooperate with law enforcement. 
Wells Fargo is claiming I have to file a new claim for the rest of the fraud. I submitted this all to Wells Fargo from the beginning. Why are they picking and chosing what they get to claim as fraud. I am still out over XXXX XXXX dollars. I still have the person in my accounts. Wells Fargo gave this person and still is my information. They only gave me a portion of my money back because I reported them to this office. 
Wells Fargo is the most dishonest bank. This person has stolen my life. I am XXXX. So thats why I dont get my money? 
I have begged Wells Fargo to talked to my investigating officer. I have tracked the person who I think it is. He can not do anything without their help. 
They tell me they don't do investigations. This is never going to end if the person is not caught. I cant even open a bank account. I want my money. I live XXXX check to XXXX check. We can't run our buisness and they are still refusing to help me. I dont understand Wells Fargo is breaking the law as bad as the person who has my identity. They have and are stealing blind from me. They are continuing to let my identity be stolen. I truly believe this is an inside job. Wells Fargo purposly has given out my information and they will continue to do so. I cant stop them. 
Please help me. My investigation officer is XXXX XXXX. XXXX XXXX County Wisconsin Sheriffs Dept. XXXX XXXX XXXX. I cant afford Wells Fargo I cant afford to hire an attorney. This is completely wrong. NOONE from Wells Fargo will help me. I just keep finding more and more money missing and more and more accounts open. When I call them. They won't tell me anything. 
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 non-monetary relief
Consumer complaint received 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2023-03-01
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: JPMORGAN CHASE & CO.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My wife received a voice mail from " XXXX '' at " XXXX and XXXX '' that said she was reaching out on a notice of intent to advise me of a pending legal matter that her number was listed in the file to relay information to. She gave a toll free number and a reference number and said to call them or the office will " move forward without his participation or acknowledgement. '' So I called the number and spoke to a lady there and she claimed a lender ( Chase ) was going to sue me to collect some credit card debt ( I eventually got the dates of XXXX for the account period ). I was like that, if it was even legit, it was well past the statute of limitations She mentioned something about a " tolling clause '' allowed them to pursue this beyond the statute. 

She claimed a packet was sent to me in XXXX and she gave an address I hadn't lived at in a year now ( it is my mother-in-law 's address ). I spoke to her and they never got anything for me. 

I then asked to remail this information to me but she said their client only allows them to mail one time but she could email me this information. I gave my email address. She offered me a 24 hour " hold '' on legal action. I said ok.

Upon researching online, I found out that this claim she couldn't mail again but could email me is a common scam tactic used and now believe I'm being scammed. 

I did receive an email and am 100 % certain this is a scam. It claims I owe over {$8000.00} which is absurd considering never in my life did I ever have a credit card with a limit greater than {$2000.00}. 

I have this entire call recorded as well ( all of my calls are recorded with an app I have installed on my phone by default ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Experian Information Solutions Inc.
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/19, I opened a new credit card account with XXXX XXXX XXXX. My credit score was XXXX at that time. When I checked my credit score on XX/XX/19 it dropped 27 points to XXXX. According to the credit bureaus a hard credit check would probably drop the score 5-10 points. I have no negative accounts/late payments ever, on my credit report and all the information on the report is correct. I contacted Experian on XX/XX/19 and after an hour of mostly being on hold, they had no explanation to why such a drastic reduction in score from only one credit check. No other credit checks were on file and Experian had no remedy for me. I also contacted XXXX XXXX   XXXX on XX/XX/19 and was informed that only one credit check was performed. I feel that there is an improper practice of scores being incorrectly reported as I have spoken to many other people experiencing the same incident. My score was even lower on XXXX and XXXX XXXX and want to include both in this complaint. There should be an investigation into why these discrepancies are occurring because a person 's credit history is a very important factor in our economy and should not be abused in this manner. Thank you for your time and attention to 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