BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: PA
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:
Complaint Part 2- Previous background : I applied for a refinance loan on a property with XXXX XXXX in XX/XX/2020. My credit report was pulled for the first time with my consent in XXXX. Three months later, due to completely unprofessional conduct in regards to proceeding with my loan application ( Covid slowed the process down by a bit, but not to the extent that mine was delayed ),  the credit inquiry was close to expiring. On XX/XX/XXXX, I emailed the loan officer specifically about making sure my credit is not pulled a second time, and I was assured it wouldn't be. On XX/XX/XXXX it was pulled via XXXX XXXX a second time, this was without my consent. Since XX/XX/XXXX, I've repeatedly requested to XXXX that this inquiry be removed from my credit report. They have not done so. ( At five months into the process on XX/XX/XXXX, I had no choice but to move on to a different lender, since XXXX still could not get to the point of closing the loan at the agreed rate and closing costs that I signed off on in XXXX, and it was clear that proper and respectful customer service was not a concern for them. ) Since it was pulled again in XXXX, my credit score has dropped 20-plus points due to that new inquiry. I was told by XXXX at the beginning of XXXX it would take 10 business days to remove. It's been over 50 business days, and after having yet another conversation with XXXX about it, it was clear it is not a priority to get it resolved, at my expense. 


Updated issue : XXXX justified credit inquiry by providing me a letter signed by the loan officer, XXXX XXXX, stating that I gave verbal authorization on XX/XX/XXXX for a second inquiry. That letter is flat-out lie. I never gave authorization verbally, or in any form, ever. I provided email transcripts between myself and XXXX, showing that I specifically told him a month prior I DID NOT want my credit pulled a second time, and XXXX saying after it was pulled that he would have the second inquiry removed off my credit report within 10 business days.

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 2022-12-13
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
XXXX ... ... .previous is a ticket number that is..still an open case ... ... .I recently edited submitted a complaint to get a XXXX XXXX account removed off my credit report because I do not have a contract with that company. I received a letter in the mail that is not showing validation that I have a debt with XXXX XXXX attached is the document..Please remove this account from my credit report, I do not have a contract with this company.

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 2020-09-15
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection account from Convergent Outsourcing Inc and I requested.a validation of the account letter, Convergent responded with account summary and order statements from XXXX. 

After analyzing the items order statements, I discovered that the address, which XXXX  claim to have shipped the items and the date does not match up. 

The address is : XXXX XXXX XXXX XXXX, VA XXXX According to the items order statements, items ordered at various date though all in the year XXXX and shipped to the above post office box. 

To my records, the post office box was opened on XX/XX/XXXX. So, there is no way items could have been sent to the post office while I didn't have the PO BOX yet. 

I asked Convergent Outsourcing to provide more information on the debt they are attempting to collect but I received the same documents and with letter stating the account is valid.

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 2020-07-28
Company: STATE FARM BANK, FSB
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I AM VICTIM OF AN IDENTITY THEFT, AND THE STATE FARM BANK ACCOUNT WAS OPEEND FRAUDULENTLY WITHOUT MY CONSENT, I HAVE BEEN SCREEMING XXXX  XXXX FOR SO LONG I AM JUST TIRED OF THIS UNFAIR APPROACH TO CONSUMRS, THIS IS JUST RIDICULUS THIS ACCOUNT IS FRAUDULENT THE CHARGES ARE FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: NY
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 XXXX  XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the out coming of my investigation that you submit, you are instructed to take no action that could be detrimental to any of my credit report. 

Failure to respond within 30 days of receipt of this certified letter may result in small claim legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for ; - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including bt not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
P.S Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claim action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: FinCo Services Inc DBA Current
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX. I authorized XXXX to debit my for a ride that cost {$38.00}. This is the only charge I aithorized. XXXX proceeded to debit my account with my knowledge authorization or consent for {$800.00} and {$10.00} without my permission. I reported this unauthorized activity immediately to my financial institution XXXX XXXX XXXX, XXXX, of current  whichever name they operate under a dispute was filed and decision made that I was responsible for the unauthorized activity when visas zero liability for unauthorized charges policy covers me in events such as this with unauthorized activity. Prior to XXXX XXXX I had never had this company debit my account in any amount. Ive tried to resolve with XXXX and current bank and have been told day after day that someone would respond to my concern within 24 hrs and I have yet to receive a single reply from XXXX  or current bank via email or any other mode of communication since XX/XX/2021. Ive spoken to numerous reps via chat for both companies with XXXX  not replying and the current  bank reps i last spoke with insinuating that I was lying threatening me that they would request the video footage from XXXX. I never denied taking a XXXX  ride but it was only for XXXX not the {$810.00} XXXX  charged my account with any consent or authorization to charge my account in that amount and never presenting these charges to me. I have no idea why they charged me half of my rent money for a ride that was only supposed to be {$38.00}. I want my {$810.00} dollars back that this XXXX dollar company stole from my account. XXXX is not the IRS THEY CANT TAKE MONEY FROM PEOPLES ACCOUNT WHENEVER THEY FEEL LIKE IT WITH ANY CONSENT OR AUTHORIZATION TO DO SO. I REQUESTED THE DOCUMENTS CURRENT BANK USED TO REACH THE DECISION THAT IM SOMEHOW RESPONSIBLE FOR THE UNAUTHORIZED CHARGES TO MY ACCOUNT AND I HAVENT RECEIVED ANY DOCUMENTS OR RESPONSE FROM THEM YET. Keep telling me someone from the disputes department will respond to me via email and no one ever does. Im facing eviction with a 3 day notice from my landlord because half of my rent money was stolen from my account by XXXX  and my CURRENT BANK THINK IM RESPONSIBLE I NEVER SHARED MY CARD INFO OR BANK ACCOUNT INFO WITH XXXX  TO TAKE {$810.00} from my account when I only authorized 1 transaction using my wallet app on the XXXX and that transactions was only {$38.00} and not the {$810.00} that was stolen from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Phoenix Financial Services LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix Financial Services has been repeatedly harassing me with consistent unwanted phone calls in order to try to collect on a debt that I do not owe. They use different phone numbers. 

I have written them on XX/XX/2021 to cease and desist these unwanted phone calls, but they have refused to do so. 

They sent me a letter on XX/XX/2021 stating that they are in receipt of my letter and asking that for an account number. I have no account number to give them. 

Recently, using the phone number XXXX, they called on : Monday, XX/XX/2021 at XXXX XXXX  Wednesday, XX/XX/2021 at XXXX XXXX  Using the phone number XXXX, they called on : Monday, XX/XX/2021 at XXXX XXXX  Using the phone number XXXX, they called on : Wednesday, XX/XX/2021 at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Frontline Asset Strategies, LLC
State: FL
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 to resolve an account since XX/XX/2021, original creditor is XXXX XXXX for the amount of {$5800.00}. I contacted XXXX XXXX on XX/XX/2021 and they sent me to Frontline. When contacting the lender Frontline Asset Strategies ( on XX/XX/2021 ), they couldn't provide accurate information about the account. However, on XX/XX/2021, XXXX XXXX, Collections Supervisor, offered me a settlement for the amount of {$3400.00}. When trying to pay this amount they sent me to the first lender, XXXX XXXX. I contacted XXXX XXXX, Operations Support Manager at the XXXX XXXX, and they claimed to not have knowledge of the account and sent me back to Frontline. Yesterday, I was contacted by XXXX. XXXX XXXX from Frontline offering me help with the account, but when I called back, they told me that I have to contact XXXX XXXX. They have been " playing this game '' since XX/XX/2021 when I first contacted Frontline Asset Strategies. I am really concerned, worried and having XXXX XXXX about this account and what could happen if both lenders keep avoiding responsibility and denying the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: ALLY FINANCIAL INC.
State: IA
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:
On XX/XX/XXXX I filed a dispute with Ally for reporting an incorrect late payment on my credit, which is preventing me from refinancing my house at a XXXX loss. They admitted originally that this was their error as my account shows all on-time payments. Additionally they have had 46 days to correct the problem and the only response they will give me is they will send an email to the credit department to try to expedite it. I originally filed a dispute directly with them to speed up the process, but to no outcome. They will also not give me contact information such as a phone number or email to the credit department that can actually remove this error from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Possible Financial Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have written many letters to get this negative item disputed that I have no memory or getting. They have also inaccuracies and do not have my correct information so that is how I know it is fraudulent. I also retired contacting this creditor and told me that they have my date of birth as something and that is not my birthday nor me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is cellphone bill. When I contacted the company that is attempting to collect the debt, they sent a contract that did not belong to me. I wanted valid proof that the debt belonged to me. The contract they sent to my address was a different person on the contract and in a whole different state. I called the company but nothing has happened.

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 2023-08-07
Company: Dynamic Collectors, Incorporated
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made some payments to XXXX XXXXXXXX XXXX XXXXXXXX, but they they didnt do their job properly and messed up our taxes. We disputed those charges which then was sent to collections. We sent debt validation letters Dynamic Collectors Inc.but they didnt respond in the timeframe and didnt send all information requested.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was contacted by Wells Fargo XX/XX/ asking if I wanted to reduce my mortgage rate. They stated there would be no fees or changes they wanted to reward me for continuing to pay my mortgage ontime throught the XXXX  housing crisis. We agreed and they lowered my rate however they restarted my mortgage for XXXX yrs. This was not disclosed and I never would have restarted a mortgage that far into the loan. I lost all the equity since I had to pay the interest all over again.

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 2020-10-29
Company: Experian Information Solutions 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:
I sent a letter of verification to Experian regarding an collection on my credit report on XX/XX/2020 and they have not respond. I sent another letter on XX/XX/2020 telling them the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ) gives them 30 days to investigate, if they cant verify the information they must delete the account or they can receive a {$1000.00} fine. I have still not received verification, a deletion from my credit report, or even a response from Experian 60 days letter. Each letter was sent via certified mail so I have the letters I sent as well as the signature from the US Postal Service verifying the letter was received and signed by a person from Experian. I am filing a complaint with you, because now Experian has now broken the law by failing to respond and not deleting the account 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 2020-11-22
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought a US Bank prepaid visa for {$490.00} from XXXX The card never worked, the call center staff is not equipped to see the issue or help out asking me to wait for 24 hours and making stupid statements like the cards may not work at XXXX, i had bought more than 1 card and all the others worked at XXXX without any issue. 

I waited for more than 48 hours and it still didnt work, the call center staff again told me I just need to wait for 24 more hours.

This is a pattern with US Bank in deliberately not activating cards properly and holding onto consumer money and hoping they dont ask for it back using regulators. Its either incompetence or malice but deliberate in both cases as they have had these issues for years and refuse to invest and fix them. 

Despite multiple attempts to check registration online, change pin etc. I have been unsuccessful. The supervisor at the call center was also not able to help me out and I am literally out of options. She tried to register and told me it would solve the issue and its still not.

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 2020-10-29
Company: EQUIFAX, INC.
State: MO
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:
Equifax should not be reporting me as an authorized user on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have had the loan for ten years now, i have never been able to pay the loan balance down and the loan has doubled in size ever since. 

I have never gotten correct information regarding my loan and was never advised or told how changing the due date would affect my payments and make them late. 
I was enrolled in a rate reduction program and never see my loan balance decrease. I would like to know how my payments are being applied. 
I recently lost my job and they told me i had no options and nothing they could do for me. 
Even though i make payments i get harassing calls all day long, and letters. 

I am paying XXXX a month, but i also get a bill to my house for XXXX dollars which i dont understand. i feel i have been defrauded by this company and have been paying for the last 10 years and my balance has gone up by 59 %. ON many occasions i have been told no, i cant be helped no and i am still getting charged for things im un aware of in ten years my balance has never gone down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been complaining since 2020 about unauthorized address changes and unauthorized charges to my wells Fargo acct. The bank is telling me that the records or details have been purged. Everytime I catch them in a lie they tell me the info is purged. Please help me. I am sending a screenshot of this particular incident. There are many more with accts I never knew of or did not open. Etc .... Another issue isy mortgage acct. There is a payment sent by wire XXXX that would pay house off. And another for XXXX that they can't tell me what happened to money other than it was received by wire. They will not tell me who or where the money went but it was never applied to loan

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