BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-23
Company: HW Holding, Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This year out of the blue I receive a letter from HUNTER WARFIELD INC XXXX XXXX XXXX XXXX XXXX, FL XXXX. I have never heard of this company nor ever had a contract with them. I sent a letter asking them to provided proof I own them a debt. They did not comply and next thing they did was report on my credit report as a collections. I never had a contract with the company nor gave consent for them to report on my credit report. I want them to cease and desist any further actions and to remove any negative remarks off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. ) This company is not licensed to collect in my state ( NC ) 2. ) they never reached out to me regarding this debt so i was not given a fair chance to contest the validity of the debt before they reported this to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Reliant Capital Solutions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company stated that they were from Reliant Capital Solutions, and called my husband first. I also had several phone calls from these people. When I called the number, the gal told me that she had to transfer me to the person that was trying to contact me. When I asked what the call was in regards to, she would not tell me, but transferred the call. They then hung up on me. When I tried to call back, it said that all representatives are busy to please leave a message. My message was, do not call me or my husband. The other number they called from was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Someone open a credit card in my name with Capital one and now their charging me for several cards and it's stoping me from being able to get credit cards let loans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07
Company: Kimball, Tirey & St. John LLP
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
someone went and got apartment in my name, and is reporting to my credit, i have disputed this serval times and it keeps appearing on my trw and i just disputed again thru credit report. But this is not my account and says with a company name Kimball Tirey St. John. its hindering me from get a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Experian Information Solutions Inc.
State: IL
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 is not my account! This has been on my report since XX/XX/1997! It should have legal been removed after seven years. They keep changing dates to keep this in accurate information on 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 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
IT HAS NOW BEEN MORE THAN 45 DAYS WITHOUT A RESPONSE FROM THE BUREAUS ON THE INCORRECT ITEMS ON MY CREDIT REPORTS AND I AM REQUESTING THAT THE FRAUDULENT ITEMS BE REMOVED FROM MY REPORTS AS SOON AS POSSIBLE.

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 2021-02-12
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Completed mortgage loan application on XXXX XXXX. Closing was scheduled for XX/XX/XXXX. XX/XX/XXXX was asked for additional information regarding my HELOC. Loan did not close on XX/XX/XXXX. Went weeks without any communication regarding loan. The communication I have had can not answer basic questions regarding the status of my loan, only that it is not ready to close. Received closing date of XX/XX/XXXX. When processor was asked about this closing date, she told me the loan would not be closing on XX/XX/XXXX but could not provide an answer other than the loan will not close for at least 30 days after receiving a cleared to close. She could not tell me when I would get or to expect a cleared to close. I find it impossible to find any answers. The only communication is the communication originated by me. Emails go unanswered and when they are answered, the answers are abrasive and do not resolve anything or offer any resolution.

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 2021-05-10
Company: Frontline Asset Strategies, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Frontline Asset Strategi reporting derogatory marks on my XXXX  credit report onXX/XX/XXXX in the amount of {$1200.00}. Upon the research this account was transferred from XXXX and l am no longer responsible for this account. Debtors creditors did not verify this collection or no written form of communication, signature of contract for this accused debt at all. A bill without a signature does not validate the debt. According to FCRA Frontline Asset Strategi has to validate. My rights as a consumer have been violated and Im requesting to legal call to action to remove this account immediately. Please terminate collection efforts by removing from all credit bureaus ( XXXX, XXXX, XXXX  ) due to failure to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Southwest Credit Systems, L.P.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was overlooking my credit report and noticed 3 accounts were opened in my name using my information. 2 were opened XXXX and the other opened in XXXX, i have no knowledge of these accounts being opened nor did i give anyone permission to use information this was not me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt. 


CONVERGENT OUTSOURCING # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing Experian 's claim that the XXXX XXXX XXXX XXXX XXXX is mine and I filed repeated with Experian and CFPB and the problem still exists. I contacted XXXX XXXX XXXX XXXXXXXX XXXX and talk with XXXX ( Agent XXXX ) and she said that there is no way that Experian would have gotten certified conformation that the account is mine. Experian making this claim is false. She is sending me fraud form and copy will be submitted to the Federal Trade Commission and XXXX FBI.

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 2022-08-10
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: Reporting company used your report improperly

Complaint:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. Regarding alleged accounts # XXXX, 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 an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.

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 2018-06-05
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX  has refused to provide any information such as an account number since they took over the billing for XXXX XXXX. They have put negative reports on our credit stating we have not paid. Each time I call to get information on the account, I am told the only way to get the account number is to reapply with for their credit card. I explain to them I will not pay a bill to just " some company '' calling me stating they have taken over the account that I need something in writing with an account number. I have been going through this since XX/XX/2017 only to be back at square one. Negative credit reporting and no proof of account. As I have told them, if they look at the payment history- this account was NEVER late until they took over and left no option to provide proof if they are a legitimate company. They are willing to take a payment, but provide no proof of 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 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my 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 2019-09-18
Company: Navient Solutions, LLC.
State: AK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Back in XXXX, I began school. I took out a private loan in the amount of {$13000.00} and in XXXX, another one in the amount of {$16000.00}. Both through Sallie Mae. I started paying my loans back in XXXX. In XXXX, Sallie Mae gave my loans to Navient. I have made every payment, on time, every month, for the last 9+ years. Not only have I already paid my original balance, but my current balance is still over $ 30k. How is this even possible?? Since then, I have tried multiple times to release my mom as my cosigner, I have tried multiple times to try to get my payments lowered, and I have tried multiple times to get an interest rate better than the " variable '' rates of 13 % and 11 %. Every time I call, I am passed around to different departments, none of which is capable of helping, my cosigner release keeps getting denied, but I can get information why. I cant get a better rate because " variable is what I signed for when I took out the loans '' so there is nothing they can do to help. They cant even tell me what qualifications I need in order to get a lower interest rate. I have been stonewalled every step of the way. Upon a quick chat with Sallie Mae today, they informed me they not only have no record of me ever getting a loan through them, but if I did have private loans, they would not have been sent to Navient. I can't get information from Navient for anything and if I could afford it, I'd hire a lawyer to investigate this further. I'm at a loss right now..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: ACIMA CREDIT, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/17 I received an email from the collections department of Acima stating that my payment was in default, this email illegally disclosed my debt to multiple third parties as this was a chain email sent to multiple customers and I'm turn disclosed these customers debt to myself, without their permission or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against JEFFERSON CAPITAL SYSTEMS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Mr XXXX, My name is XXXX XXXX and I am writing about the inaccurate information that continues to report on my credit file because of the negligence of Transunion representatives. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts to include the actual police report filed with the XXXX Police Department. On XX/XX/2019 I submitted a complaint with the CFPB against Transunion for the fraudulent accounts reporting on my credit file. I received notification from Transunion onXX/XX/19 that these fraudulent accounts had been deleted from my credit file. However, XX/XX/2019, I received an alert form my credit monitoring system that both XXXX XXXX accounts had been re-inserted onto my credit file. I received no notification that these would be re-inserted either. these accounts were to be deleted and blocked. How is this able to happen? I am at a loss! At this moment, these fraudulent accounts are only reporting on my Transunion credit report as the others have deleted this incorrect information. I have since filed a report with the FTC and CFPB again. I am at my wits end and I feel as this process has been going on for well over a year and half with Transunion. I have also reached out to the CEO Mr XXXX for assistance as my rights have been violated. 



The fraudulent accounts to be deleted and blocked are XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2020-08-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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 wife and I are victims of identity theft/fraud/misuse of our credit report. I have been with Fifth Third Bank/as a customer several years. I myself am 100 % XXXX XXXX XXXX. My wife is my XXXX. We had known the bank associate that initiated the issues w/our credit ; XXXX XXXX XXXX over 7 years. During the Covid19 shutdown, we could not enter the facility, yet my wife and I had spoken to XXXX over the phone during the end of XXXX into XX/XX/2020 with regards to our prior credit " pull '' of XX/XX/2020 [ with our own prior mortgage person-XXXX XXXX  ]. XXXX was willing to look at the recent credit pull, and advise us of what we should do in order to get our credit repaired, to move in Fall/Winter 2020. NOONE advised XXXX XXXX we wanted a Mortgage loan with Fifth Third at this time. NOONE AUTHORIZED XXXX XXXX to utilize our personal information to obtain credit, pull credit, or give our information to any outside lender. PERIOD. 
In XX/XX/2020 we had learned that our personal information was Breached*, and XXXX XXXX obtained all our information against our wishes, in our files/ at FIFTH THIRD BANK, in order to provide information to an outside mortgage lender source [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Ohio XXXX ] ( not 5/3 Bank ). This was without our knowledge ; without our consent. We did not authorize this, and we, therefore, requested to FIFTH THIRD CORPORATE that this formal FRAUD  REQUEST be attended to immediately. { CEO XXXX ) We also request that the bank take all appropriate steps to remove information about this account from OUR credit files to XXXX-XXXX  and XXXX  within those 7 business days by letter. 
My wife and I are currently taking close steps in trying to repair what was damaged with our credit due to this incident. Noone gave AXXXX XXXX any authorization of ANY kind, NO written NO verbal. She has NO CONSENT to pull credit to look at our personal information. 
Within days of this occurring with this employee, she denied all actions. Fifth Third Managers overseeing this employee were to have corrected the entire situation / help correct our credit, yet to date, NOTHING was done to justify her actions or to correct the fact she committed FRAUD.  My wife and I have a copy of my credit report to date showing the fraudulent items related to both the employee/bank actions and that of Mr.XXXX that is the result of THIS identity theft/FRAUD. 
To date, we have yet to have our credit report cleared of these 2 inquiries and have not received the credit report that they pulled on my wife and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Navient Solutions, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 see multiple 120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have reason to believe wells fargo bank opened at least 1 account without my permission.

I called there 800 number and they would not help. I was told to go to local branch. So I did the person there was honest. They can only see active accounts and ones just closed.

so there not being helpful in this at all.

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