BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-08
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
Wells Fargo is AGAIN, continuing it well documented XXXX XXXX negligent reckless XXXX suppression conduct. Per the attached documentation, I was provided with a modification of my mortgage Equity line of credit XX/XX/XXXX to start with the trial payment of {$580.00} XX/XX/XXXX. I accepted the offer and have made EVERY payment on the trail period, and the actual approved equity line modification to date XX/XX/XXXX. 

The previous monthly payment amount of as shown on the attached XXXX credit report dated XX/XX/XXXX was {$1600.00} per month which NO LONGER existed starting XX/XX/XXXX per the loan modification approval letter, and above mentioned payments ... 

On my most recent credit report dated XX/XX/XXXX, Wells Fargo is showing me as paying late from XX/XX/XXXX to XX/XX/XXXX which is incorrect relative to the attached  loan modification approval letter document, and equity line mortgage document agreement signed between us!

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 2022-03-07
Company: Aubrey Thrasher, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, this company requested a payoff amount from my closing attorney to collect on a Non-Collectable XXXX debt that I had no knowledge of who this company was in the state of GEORGIA XXXX County of XXXX in the amount of {$29000.00} from ( XX/XX/XXXX ). The original creditor was PAID IN FULL at closing, and this company still requested this payoff as well. That is WIRE FRAUD, and I want all my money back ASAP the same way they took it. I have tried multiple times to reach out to the company to give me my money bank, they have told me this case is closed on their end meaning no money has been returned back to me and since then, I have been unsuccessful in communicating with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Company stated it mailed out validation. 
To what address was it mailed to. 
Please provide the XXXX XXXX receipt of the address and signature receipt. 

Please provide the signed legal contract stating I owe this debt.

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 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reach out to the credit bureaus XX/XX/2021 letting them know i was a victim of identity theft i sent a identity theft report along with a police report naming the accounts that were fraudulent. Under FCRA 15 U.S. Code 1681c2 ( a ) this information should've have been blocked from my report which it never was and after i disputed this account. I received correspondence that this account was verified which is false this account has not been properly verified and according to XXXX U.S. Code 1681i ( 5 ) ( i ) this account should have been removed immediately.

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 2019-08-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
DEPT OF ED/XXXX is reported duplicate on my credit report, I do not know the reason why. I only have a single student loan, please remove the duplicate entry. The student loan was temporarily suspended, and my loan holder granted forbearance. Please remove this inaccuracy 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 2019-06-23
Company: Reliant Capital Solutions, LLC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
First of all my name is XXXX XXXX not XXXX XXXX XXXX as all the bills refer to regarding my student loan. I attended XXXX XXXX College back in XXXX and I already paid off one loan and now I am told I have a Federal Perkins Loan in default. I had resolved this issue with a company that represents this school but I was forced to pay {$70.00} for 9 consecutive months and once I did that I was being charged {$40.00} a month. Unfortunately, I was unable to pay and the agency was unable to help me, which I thought was odd. I was not able to pay and my loan went to default. I believe I might have been dealing with a scammer company because all of a sudden I get notices from another loan servicing representing this same school and charging me over {$6000.00} when the loan is only for {$3000.00}. I never heard back from the other loan servicing company who was taking my money every month. I called the school directly and they tell me to contact the loan servicer. I refuse to pay anything to this company who sends me bill notices with PO Box addresses and misspelled words and just seems fraudulent. I am now in default and I don't know why if I have been attending school more than half time. Please help me. The First company I dealt with was call Reliant Capital Solutions but we dealt with over the phone and emails ... I never received any bill from them directly. This new company is XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
PayPal/Synchrony Bank reported my MasterCard as over-the-limit on my last statement. Subsequently, they reported this information to all three credit bureaus. This information is inaccurate. On XX/XX/XXXX, I made a payment of {$180.00} to prevent my account from being sent into over-the-limit status. In fact because I did that, PayPal Mastercard 's computer system rebated me interest charges and fees ( see below ). 

XX/XX/2021 *INTEREST CHARGE* PREV CYCLE PURCHASES $ XXXX XX/XX/2021 PREVIOUS CYCLE DEBT CAN FEE $ XXXX However, they still charged and reported to all three credit bureaus for being over-the-limit. I want to them to correct this mistake and report accurately that I was not over limit and report the correct balance to include the {$180.00} payment which would prevent my account status from being changed on my credit report. I have a screenshot of my account activity for XX/XX/XXXX with this evidence highlighted that supports my position. 

Attempts were made to resolve this issue through the individual credit bureau online dispute process, but their websites keep crashing every time I click the Submit button. Someone might want to reach out and reprimand the web-development team.

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 2018-09-18
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed that theirs a debt collection in my credit that is not mine! I tried sending dispute letters twice!! I tried calling them and talking to them, and they are still making me pay something I never even knew it existed!!! The amount is XXXX dollars from XXXX XXXX  XXXX, and apperantly it was opened XX/XX/2017, I tried talking to them, sending disputes and they wont help me, they only want me to pay something is not mine!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Choice Recovery, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi. I am contacting you regarding a few medical bills that are on my credit report. 

1 ) I never received notice from the doctor or the debt collector that these bills were even due. In fact, I have seen this doctor as recently as last month. Never once did the office mention these bills, I only found out about them after viewing my credit report. 

2 ) These medical bills are for a nerve block procedure that I receive for XXXX related XXXX. The doctor who gives the shots is a XXXX XXXX. My credit report now has in bold letters, that I have been treated at the " XXXX XXXX XXXX '' clinic. 

For one, I was not even treated for XXXX. Even so, this is a severe breach of the HIPAA Privacy Rule, as anyone who pulls my credit ; from potential employees, to landlords, will see what appears to be my medical history ; that I am being treated for some sort of XXXX. This would translate to them, as missed work days and rent payments. 

3 ) Furthermore, these bills were all incurred while I was a student at XXXX XXXX. My father is responsible for all of my medical bills as long as I am still in XXXX. 

I contacted all 3 credit bureaus. XXXX removed all 3 Choice Recovery accounts from my credit report. XXXX for some reason removed 2 of the 3 accounts, and left one of them. XXXX did not remove any of the accounts. 

I contacted the collection agency and the rep seemed quite pleased to inform me that they will not bill my father, and that even if I paid the bills, they would not remove the accounts or the incriminating information. 

I have submitted screenshots of the Choice Recovery accounts on both XXXX and XXXX. I have also submitted copies of .the court order stating that my father is responsible for my medical bills. 

The collection agency is : Choice Recovery XXXX XXXX  XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Please let me know if there is any other information you need and if you will be able to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Experian Information Solutions Inc.
State: OH
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:
Ask Experian multiple times to delete inquiries that are not mine. 

Was told they cant dispute inquiries that are account holding. 

I dont have any accounta with any of these creditors XXXX XXXX XXXX   You applied for a credit card in XX/XX/XXXX XXXX You applied for an auto loan in XX/XX/XXXX XXXX You applied for credit in XX/XX/XXXX XXXX XXXX You applied for credit in XX/XX/XXXX XXXX XXXX XXXX You applied for a credit card in XX/XX/XXXX XXXX You applied for credit in XX/XX/XXXX XXXX You applied for credit in XX/XX/XXXX XXXX, XXXX XXXX XXXX You applied for credit in XX/XX/XXXX XXXX You applied for credit in XX/XX/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 2019-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
i had a hard inquiry from applying for credit and i got denied i didnt allow them to pull my credit. I would like to remove the hard inquiry on my report with Capital One Bank Usa.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: CA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Fig Tech Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted via text on XX/XX/22 about making payments for a debt that I am unaware of. I texted stop. On XX/XX/22 I was contacted again via text from another number with the exact same message. Again, I texted stop. Upon checking my credit report, I see an account for Fig, but I do not recognize this account. I would like this account deleted immediately, and all contact via phone and text to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were doing a loan modification with Freedom Mortgage we our first payment in the middle of XXXX for XXXX because our trial payment started in XXXX we made all our payments from XXXX to XXXX. Ever time we made a payment we called and made for sure they got the payment they verified they got the payment ever single payment in XXXX they sent us the paperwork to sign because they approved the loan modification and they even sent a notary to our home so we could sign the paper with there company for modification aproval in XXXX we they got there last payment for the trial period we received a denial letter they did not get there payments but we have proof every we made a payment we called them. Ever time we made a payment we called and made for sure they received and they acknowledged that they received the payments with every phone call.

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 2017-11-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I entered into an agreement with Citibank for a merchant account in XX/XX/XXXX. I tried to cancel the account in XX/XX/XXXX but Citibank said they would charge me {$500.00} to close the account because I had signed a document agreeing to keep the account open until XX/XX/XXXX. I disagree with their assertion that I agreed to a three-year contract as they do not have an original signature from me and I do not recall reviewing any such clause, but I accepted that decision. I was told by Citibank that I could cancel the account on or after XX/XX/XXXX and would not be charged a fee. I have paid a service charge every month since then to keep the account open. I have not used the account and I have made the payments. I called Citibank on XX/XX/XXXX and spoke with XXXX ID # XXXX and explained the history and said that I was told I could now cancel the account and wished to do so. I confirmed with her that there would not be any charge to do so. She confirmed that there would not be a fee. However, I was charged a {$500.00} cancellation fee by Citibank on XX/XX/XXXX. I agreed to Citibank 's terms and kept the account open for an additional year, even though I never used it, to avoid paying the cancellation fee. I waited until they said I could cancel it without a fee. I then cancelled it and confirmed with the Citibank employee, XXXX, that I would not be charged a fee and I was charged a fee anyway. I feel like this is further example that Citibank is fraudulently charging me fees and I feel that they should be stopped from doing so. I expect a refund and I am contacting my own bank to dispute the charge and take whatever actions I can against Citibank for fraudulently charging me. 

Refer to my original claim submitted to CFPB in XX/XX/XXXX - that will have further history and documents, as well as Citibank 's response. Case number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and 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 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have reached out to XXXX XXXX XXXX multiple times by letter trying to settle this debt and have received no response. In the meantime they are continuing to report this account as closed/delinquent on my credit.

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 2019-08-06
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I was affected by the National Disaster in XX/XX/XXXX, I was employed in a Federally Declared National Disaster Area due to the CA Wildfires. I am in contact w my first loan servicer and previous servicer to obtain disaster assistance I previously applied for, which has been affected as a result of my loan servicer transfer. I advised SLS that was in the middle of applying for assistance based on the disaster and that I was affected prior to SLS beginning foreclosure proceedings. I also requested an assistance package which I never received. Now I have a pending sale date at the end of this month, XX/XX/XXXX, which SLS advised me was an option on my 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 2022-03-07
Company: EQUIFAX, 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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Over the last two years, my wife and I have gone through serious financial struggles. We ended up going with a XXXX XXXX XXXX after trying to get help from our creditors to no avail. The credit counseling company helped us negotiate reasonable payments, stop late fees, and hold interest rates. Before this could happen we were late on bills for a few months. For 1 1/2 years, we made payments to the credit counseling company and they sent the payments on our behalf as part of the program. Now as we are coming out of being in a horrible financial place we are looking at our credit and realizing we are again being unsupported by the credit card companies and now even XXXX, Equifax, and XXXX XXXX. One of the companies that we have struggled with is XXXX 's. We started making payments in XXXX through XXXX XXXX to XXXX. We paid XXXX completely off in XXXX of XXXX. We have sent copies of the canceled checks to XXXX Credit Cards and well as to XXXX, XXXX, and Equifax. The credit reporting agencies have responded that they believe the reported information to be accurate. How can that be with canceled checks to show payment but XXXX late marks on our credit? On XX/XX/XXXX, we sent another letter to XXXX 's again sending all of the copies of checks, this time noting as they requested exactly what we thought was the error. We have yet to get a response. This is not 30 days ago. We are trying our best to recover from the financial struggles as well as begin the process of recovery. We just can not seem to get help, guidance, or answers for either XXXX 's or the three credit reporting agencies why this can not happen. We made our first dispute on XX/XX/XXXX, online, we followed that up with a letter of dispute to the three credit agencies on XX/XX/XXXX. We received a letter back saying that they did not have sufficient evidence to investigate. It was at this time that we copied all of the canceled checks and mailed them to both XXXX 's and all three agencies. At this time we requested that XXXX 's send us the statements showing we were late that they did not receive payments for these months. We received a response from XXXX 's requesting we send them exactly what we thought was an error. We completed this and sent the copies of the canceled checks once again on XX/XX/XXXX. It is now XX/XX/XXXX and we have still not heard anything. After the third dispute to Equifax, XXXX and XXXX XXXX we were once again told the found the information to be accurate. We don't understand how this is possible.

Company response to consumer: Closed with explanation