BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

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 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-10-22
Company: Credit Card Receivables Fund Incorporated
State: CA
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:
This is a XXXX XXXX Credit Card Debt from XXXX. 
I have been trying to settle this debt for over 1 year with UNIFUND ( who owns this debt now ), as well as with XXXX XXXX XXXX ( their lawyer, Mr. XXXX ) - however, UNIFUND says they can not receive payments, because XXXX XXXX XXXX is handling this for them. I was told by UNIFUND to contact Mr. XXXX, but this is imposible, since he refuses to speak to clients. I have called more than 50 times, I have left more than 40 voice messages on his answering machine in XXXX as well as XXXX. 
The phones are being answered by different receptionists - I have records of all the dates and times and names when I called. 
I have asked for call backs, but Mr. XXXX has never responded to my many attempts in over 1 year. I have made many good faith attempts to settle this debt, but XXXX XXXX XXXX, Mr. XXXX, are unwilling to talk to clients, to respond to emails or priority mail letters, he prefers threatening people to sue them even when they are willing to negotiate and pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX imoosed pay over time fees to a personal credit card when in fact I paid the card in full. They added late fees and reported 30 and 60 day late pay to the credit agencies. They have resolved the issue by crediting my account but I still have the late credit shown on my report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN
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:
My chexsystem report was suppose to be fixed after my bankruptcy and I am still getting denied for bank accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Navient Solutions, LLC.
State: IA
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:
My student loan debt went from XXXX dollars to XXXX dollars due to interest. I have tried many times to get the monthly payment down to where I could afford to pay, but they would not and only offered me deferments. Their websites are difficult to navigate, and to try to speak to someone on the phone is pointless they have thick accents which make it difficult to understand, and they can never do anything to help you. There is no way I can afford these monthly payments, I am XXXX years old, live paycheck to paycheck and having an XXXX mother who lives with me. I first became unable to pay my monthly fees when I was divorced in XX/XX/XXXX. I had to quit full time school, and I just took courses until I finished with my XXXX degree ( XXXX degree ) in XX/XX/XXXX. Whatever help or information you can give me would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, 2017, my phone and wallet were stolen while I was out eating dinner with a friend. By the time I was able to track down my stolen phone, I realized there were multiple fraudulent transactions on my XXXX account sent to an unknown user. 

There were a total of five XXXX transactions with a total of {$2000.00} sent to this unknown user. I have attached a screenshot of these transactions below. 

Once I saw these transactions, I immediately contacted my bank, reached out to XXXX, and even filed a police report. I will attach the detailed police report below. XXXX was able to stop the transactions so that the money was not taken from my account. However, XXXX is currently threatening to send collections on these fraudulent transactions. 

XXXX was initially helpful and was on my side while I was submitting my claim over the phone. However, after further review, XXXX is now threatening to send collections over transactions I did not make. XXXX claims they were not able to locate evidence of unauthorized access to my XXXX account. I was told to just reach out to the person that sent these transactions on my phone and ask them to send the money back. However, I clearly am not able to do so as I have no idea who this person is or how to contact them. They even went to the extent to change their username on XXXX  after sending the money to their account. 

I am financially responsible, and I have never come across any issues like this before. I have gone to great lengths trying to take action against this act of fraud, but XXXX is still threatening to send me to collections. 

I have attached these files below : -A list of the fraudulent transactions on XXXX ( before and after the username was changed ) -XXXX confirming the transactions were intercepted -A police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 I looked on XX/XX/XXXX and had Midland Credit Management company down as a collection account on my credit report. I sent a certified letter in regards to this account to verify the debt that shows as a collection from their company. I sent a certified letter letting them know how to communicate with me to clear up any errors and the correspondence were they didn't have any knowledge of the debt however they have debt collection shows on my credit report that I owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 recently been in the market to purchase a home and reviewed my credit only to find that my credit files have been compromised and fraudulently used by others. The accounts opened have been used several times and have had a negative affect on my credit rating. There is an account with 1.XXXX dating back to XX/XX/2017 2. XXXX 3. XXXX XXXX and a medical company which was not opened by me or authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: EQUIFAX, INC.
State: KY
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:
A fraudulent inquiry is reporting via Equifax XXXX XX/XX/2020 by XXXX  / XXXX ). The inquiry is the result of identity theft. Disputes, including a law enforcement report, have been sent to Equifax on XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020, XX/XX/2020 and XX/XX/2020. As a credit report ordered on my behalf today, the fraudulent inquiry continues to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took out a student loan through Nelnet to attend XXXX and had an outstanding balance. As a result, I was notified the IRS would be seizing my tax return to cover the remaining debt. My entire tax return was taken from 2011 taxes, however the debt is still showing as open, XXXX has stated the loan had been repaid but Nelnet has been less than helpful and says they have no record of debt being paid or my tax refund being intercepted. How do I go about resolving this? Is there a record or receipt I can obtain providing the information where my refund was intercepted, the dates and amount? This is still showing in my credit and has been constantly impacting my credit score severely for a decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In XXXX, XXXX and XXXX of XXXX, I filed a dispute with the Equifax about the unverified account : XXXX collection account # XXXX {$150.00} and {$130.00}. In those 3 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of todayXXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After taking a look into my credit report for any errors that may have occurred. I found an account thats payment history was inaccurate and reporting inconsistently throughout all three bureaus. I later found out that this was a violation of the FCRA.

As you can see this account was reported as a charge off that was being shown as " CO '' charged off on one bureau ( Experian  ) Then showing payments as " OK '' paid as agreed on another bureau ( XXXX   ) Then Showing Zero Payment History For ( XXXX  ) Shown In The Attachments Is My Credit Report Showing The Inaccuracies And From Which Bureau. Also, Included Letter Sent To Bureaus

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 2019-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I have been trying resolve a credit card dispute issue since XXXX with Kohls/XXXX and to no avail. I have well documented letters and credit reports showing how Kohls repeatedly failed to resolve and remove the derogatory account from my XXXX, XXXX and XXXX credit reports. I sent three separate certified letters confirmation delivered on XXXX, XXXX and XXXX. Kohls failed to add any dispute remarks to my credit reports within the 30 day time frames allowed by law. I have attached credit reports from XXXX, XXXX and XXXX dated on the day the first certified letter was delivered and again on the 31st day of the 1st letter being delivered. Kohl 's has never furnished the credit bureau 's with the required disclosure, within the period required by law. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute. I have very detailed documentation showing the certified letters signed for and delivered, time stamped copies of my credit reports showing that Kohl 's violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I just want this resolved and for Kohl 's to remove the derogatory accountfrom XXXX, XXXX and XXXX and all applicable credit bureua 's. Thank you for your help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing because I was scammed out of over {$20000.00} ( twenty thousand dollars ). My Chase checking bank account was left with a - {$9000.00} ( negative nine thousand dollars ) fee. 

A family friend ( or what I thought was a family friend ) asked to deposit money into my account because her fathers house had been sold out-of-state and she did not have a banking account. According to her, she really needed the money to help pay her bills, take care of her grandkids and generally get her life back in order. I was sympathetic, I understood trying to make it during the pandemic. 

There was money deposited into my banking account supposedly with funds received from the selling of her father 's home, so I thought it was legit. Once I saw the money in my account, I thought it would be fine to give her the funds. On XX/XX/2020, I gave her the funds. 

Two days later, on XX/XX/2020, I get notice my account has been overdrawn by {$9000.00}. Chase tells me, that they will not reimburse the money because I basically authorized a person to deposit funds into my account. But I did not authorize them to withdraw from my account though. I filed fraud charges at the bank, and they assured me that a police investigation would happen, and the person would probably go to XXXX. 

Chase showed me the fraudulent checks and they had my last name misspelled with two XXXX  instead of one. There was other suspicious detail that should have alerted Chase that there was an issue. I remember when my wife went to pay my mother-in-laws Chase credit card bill. Chase would not let her pay because she was not my mother-in-law. My wife had her ID, the billing statement and a check from my mother-in-law and they still would not let her pay BUT they allow someone to overdraw my account with evidently fraudulent documentation to the tune of {$9000.00}! 

Does Chase have zero liability? And this person lives in the same city I live in, I want to expose her so she doesnt hurt anyone else. I could have lost my home, vehicle, or anything over this amount of money. I withdrew money from my 401K to help with house repair expenses, my XXXX children and to cover other losses experienced from COVID 19 and now I have nothing to show for it. Most weeks, I work 7 days per week ; it's just not right. I dont know what to do. What are my options? 

I have all of our communication and evidence that shows her intent to defraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am an American citizen and Wells Fargo customer. I travelled to XXXX in XX/XX/2020 to apply for XXXX residency. I informed Wells Fargo three times - once via phone and twice in person at the branch that I was traveling and would be making an important wire transfer in XXXX to a XXXX XXXX account in my name. Of course, Wells Fargo blocked the transaction ( which was for less than 1 % of my available balance across my accounts ). When I called and verified my identity and correctly answered all their security questions, I was told the last step was to go to a branch and show photo ID. That was impossible since I was in XXXX and Wells Fargo has no branches there. My passport was confiscated by the XXXX government during the residency application process. The only way to get it back was to pay the residency application fees ( via the wire transfer that Wells Fargo was preventing ). Not only did Wells Fargo refuse to authorize the wire transfer, it cut me off from ALL of my online banking. Wells Fargo left me stranded in XXXX with no access to my money and no passport despite me having notified them three times about my need to make this transfer and answering all security questions correctly. Wells Fargo even very insultingly suggested that a traveler should have more than one form of payment with them for safety, such as a credit card. Thats obviously ridiculous because without the ability to make payments on a credit card from your bank account, ones credit would only last for a short time- perhaps a few months before being cut off. I was in a position where I couldnt get my passport back without access to my banking. I believe I was discriminated against and illegally denied access to my property. Wells Fargos response to my complaints has been pure fabrication - that I failed to properly identify myself and failed to verify the wire transfer. I believe that their policies and procedures make it impossible for an American customer to regain access to their accounts from outside the U.S.

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 2021-04-26
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I Opened An Account With Barclays US Credit Cards On XX/XX/2021. I Sent In Documents As Apart Of The Verification Process, My Social, ID, And Bank Statement, Via Fax. They Stated That The Signature On My ID And Social Did Bot Match. I Explained To Them That When You Sign Your Sig At The DMV Its Done On A Electronic Key Pad, And When You Sign Your Social Its Done With A Pen And Paper!! So Unless Im XXXX The Signatures Wouldnt Match. So I Sent In More Documents! Now Its Been XXXX Weeks And They Are Still Saying To Wait Theres Nothing I Can Do! Ive Already Paid My {$99.00} Annual Fee And CANT Use Or Enjoy The Benefits Of The Card Because Im Restricted

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 2020-11-18
Company: FIRST ADVANTAGE CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Incorrect SSN issue date and criminal conviction date provided by First Advantage Background Services Corp. were used in the decision not to hire me by prospective employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: SC
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:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
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: Account information incorrect

Complaint:
There are several items that are reporting inaccurately on my credit file.The following are inaccurate information : Inaccurate Personal Information : Address : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX The following items are reporting inaccurate lates on the following accounts : XXXX XXXX - Date Open : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX  & Equifax ) ; Bal : {$230.00} ; I was never 30, 60, 0r 90 days late. 

XXXX XXXX - Date Open : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX  & Equifax ) ; Bal : {$0.00} ; I was never 30 or 60 days late. 

XXXX XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX  & Equifax ) ;  Bal : {$0.00} ; I was never 30 or 60 days late The following Public Record does not belong to me. The following Public record is reporting in error : Chapter XXXX Bankruptcy : File XX/XX/XXXX All of the inquiries that is reporting is reporting as unauthorized inquiries. I don't know who tried to access my credit report without my knowledge.

Company response to consumer: Closed with explanation