BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-24
Company: EQUIFAX, 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 bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$750.00} COLLECTIONS XXXX {$110.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX {$280.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: NY
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the following accounts completely from my Credit Reports : XXXX - XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5900.00} XXXXXXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$19000.00} XXXX BANK XXXX Date Opened XX/XX/XXXX Balance {$19000.00} XXXX XXXX BANK XXXX Date opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX BANK XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX BANK XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: EQUIFAX, INC.
State: VA
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:
Two fraudulent Hard Inquiries on my account.
The first one is from XXXX XXXX. It is showing up only on my XXXX credit report. It shows up as : XXXX on XXXX/XXXX/XXXX, I was alerted and called XXXX on XXXX and told them was not me and that I need the inquiry reversed. They said they would have the inquiry removed. It is now XX/XX/XXXX and it is still showing on my XXXX XXXX account. I spoke to XXXX XXXX agai, spoke with XXXX in their fraud department today, XX/XX/XXXX XXXX EST and they are again promising that they will remove the inquiry with 30-60 days. anything you can do to make sure they really do it would be appreciated. 
2nd one was on XX/XX/XXXX. It is only showing up on my Equifax report and it registered as XXXX. I called the number that was associated with this also on XX/XX/XXXX and again was assured the inquiry would be removed. It also has not been removed off my Equifax report. I have been told that the XXXX stands for XXXX XXXX XXXX someone was trying to open a credit card in my name at XXXX XXXX. They have my social security number and a prior address of mine. I have put a freeze on all credit bureaus because of this but need these hard inquiries removed from credit report. Thx

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX remove collection from my credit report but XXXX AND XXXX still showing that ARS collection is still in the collections, and theres people applying for credit cards in my name plus using my phone number.

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 2022-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i have accounts with Bank of America, some of them since XXXX. 
i never had problems with check deposits until now. 
usually, when depositing a check on my checking accounts the information given by BofA is that the funds will be available within 2- 3 business days. 
the last 2 checks ( from 2 different clients, drawn to different banks ) were and are put on hold for 7 days with no explanation given. 
one check ( {$14000.00} ) i deposited on XX/XX/XXXX and it was put on hold until XX/XX/XXXX. 
the other check i deposited on XX/XX/XXXX : " BKOFAMERICA MOBILE XX/XX/XXXX XXXXXXXX DEPOSIT XXXX XXXX  '' in the next line it says : " Deposit Hold {$6000.00} Total amount delayed, available XX/XX/XXXX at XXXXXXXX XXXX XXXX ''. 
i called the customer service at BofA yesterday for an explanation. the answer was that for security reason they have to put the deposits on hold but the can not give the detailed information about it. 

also, the hold on the check of {$14000.00} doesn't show up anymore in my account statement. that means the documentation of the hold was deleted.

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 2019-02-15
Company: AES/PHEAA
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My wife, XXXX XXXX, and I have been working on resolving issues with her Public Student Loan Forgiveness since XX/XX/2018, and since early XX/XX/2018 if you were to count our multiple submissions of her application for her employment to count towards the loan forgiveness program. She currently has her loans through XXXX XXXX XXXX. I have taken the reigns, so to say in regard to helping her with navigating the issues she has been having, but please feel free to reach out to either of us. We have reached out to XXXX XXXX and to the US Dept of Ed 's Ohmbudsman group on numerous occasions ( est 30+ documented calls ), and had opened up cases through both regarding the issues we are having. We keep getting the run around, and neither has diligently worked to resolve our issue we are having. My wife and I believe that she is meeting the qualifications for PSLF based off of the legislation on PSLF that we have found, but they continue to deny us, and are not appropriately responsive as we have requested numerous times. We had asked for a phone call to better articulate the case, and the possible ability to discuss with a person who is legislatively literate, however, no one follows through w/ either XXXX XXXX nor the Ohmbudsman groups- as I mentioned above they keep kicking the responsibility to out of their control, or sending me emails last minute that we simply don't qualify & case closed end of story without truly having someone hear & understand our claim/appeal. My wife is working at a qualifying agency for the required 30+ hours weekly per PSLF guidelines for the past 1.5years. However, they say that since her employer considers her per diem, she needs a second job to qualify. Our issue is that the specific wording of their application, as well as the wording found within the laws themselves would side with my wife and I as being correct that she does in fact qualify for PSLF as is. Neither the Ohmbudsman group nor XXXX XXXX   themselves are acknowledging our issues, and continue to drop us before our claim can be adequately heard or addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Cascade Capital, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Said I applied and received a pay day loan even after I told them I was a victim of id theft and was reported to credit beuroes and ftc I never been in Texas or applied on line my credit is f rating and I am XXXX.XX/XX/2019 total {$1100.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
synchrony bank closed 28 credit card accounts on XX/XX/XXXX XXXX XX/XX/2020 All accounts were in good standing never a late payment. they told me I was a risk to there bank and so closed all accounts all on one day. My credit score went from XXXX to XXXX which is really hurting my credit.I believe they are somewhat discriminating against me.these are some of my closed account CARE CREDIT - P.C RICHARDS - XXXX- GAP- JC PENNY- ASHLEY PAYPAL- AMAZON- CITGO- LOWS- HOME  DESIGN- XXXX- XXXX XXXX- XXXX- PEP BOYS- XXXX- MATTRESS FIRM- XXXX- BANANA REPUBLIC- OLD  NAVY. 
These are just some of them. I personally think this is not fair.I am continuing to make my payments on all my accounts even that they are closed. ( INPORTANT ) After all my accounts were closed I reapplied for a lows card and a BP gas and was approved. after 3 days they closed the accounts again. that is not right

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 2019-07-02
Company: USI Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on or about XX/XX/XXXX I received a letter from XXXX XXXX indicating that I owe {$15000.00} to the current creditor listed as USI Solutions. ( original creditor XXXX XXXX XXXX ) debt was incurred between the years of XXXX and XXXX. 
original account number : XXXX CS number : XXXX the letter states that unless I dispute all or part of the amount the creditor will assume the debt to be valid. the letter also states that upon written request the office will provide verification of the debt or forward a copy of judgement. 
on or about XX/XX/XXXX I contacted XXXX XXXX and spoke to a CSR before requesting to be transferred to a supervisor. I informed a Mr. XXXX XXXX that I would be requesting written verrification as outlined in the letter AND filing complaints with all appropriate organizations. 
on or about XX/XX/XXXX I submitted a request for written verification. 
on or about XX/XX/XXXX I called XXXX XXXX to request status. I was informed that the case was returned to USI Solutions and no futher action would be taken CONTRARY TO STATEMENTS in the letter received on XX/XX/XXXX. I was referred to USI Solutions. 
XX/XX/XXXX I spoke to XXXX XXXX re : the above and was referred to XXXX XXXX. 
XX/XX/XXXX ANOTHER call to XXXX XXXX and I am informed that the case was returned to USI Solutions. 
as of XX/XX/XXXX I have received nothing further. 
I was never a customer of XXXX XXXX XXXX until XXXX purchased XX/XX/XXXXXXXX. I am still a XXXX customer and there are no outstanding issues with my account. 
a search of the XXXX XXXX XXXX files for USI Solutions indicates that this scam has been perpetrated on others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: MA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: WA
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 recently received a copy of my consumer report XX/XX/2022 and am frustrated to have found so many inaccurate accounts being furnished in errors. Pursuant to 15 USC 1666b, a creditor may not treat a payment in a credit card account under an open-end consumer credit plan as late for any purpose. Congress has noted that Experian, XXXX and XXXX XXXX is not backed by any government agency and is simply an elaborate mechanism developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character and general reputation of consumers. Congress has also made it clear that Experian, XXXX XXXX and XXXX have assumed a vital role in assembling and evaluating consumer credit and other information on consumers pursuant to 15 USC 1681. Per Congress l, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. Experian, XXXX XXXX and XXXX acted impartially towards me because you furnished inaccurate information l, defaming my character and reputation, with no proof. Not to mention l, I never gave Experian, XXXX XXXX and XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b as well 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) because information solely as to transactions or experiences between the consumer and the person making the report should be EXCLUDED from a consumer report so you have no authority to furnish this information. Experian, XXXX and XXXX XXXX has caused me severe stress and anxiety due to these abusive and unfair practices.

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 2019-07-02
Company: HW Holding, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I COULDN'T BELIEVE WHAT WAS ON MY CREDIT REPORT ABOUT OWEING PAST RENT FROM THE TWO DIFFERENT AGENCIES. IN A DIFFRENT STATE.. never lived there in my life. Called tryed to explain aske auestions for over 3 weeks will not listen. Nothing is adds up to me or my last name. Dob. S.s.n. very rude they will not take it off. I have lived in XXXX.tx all my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 Wells Fargo charged my credit card {$560.00} to do an appraisal on my home which was not supposed to be done unless I was approved. I was told by the representative at the bank XXXX that I would receive a refund if they could not do my loan. 
To date I have not reveived a loan or a refund. 

I have asked at least 5 different times for a copy of the appraisal which they refuse to send to me. 

I am requesting a full refund of the money they took to do an appraisal without doing the 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
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: FL
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2020-10-08
Company: WELLS FARGO & COMPANY
State: OH
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 contacted Wells Fargo on XX/XX/XXXX through my online Message Center regarding my student loan with the below concern. On XX/XX/XXXX I received a confirmation my message was received & forwarded to the Executive Office team, but have never received a response by email, mail, or phone & I'm extremely disappointed in the lack of follow-through in their complaint department. 

I need a thorough review and explanation of my Wells Fargo Student Loan 's  repayment period with corrections made to the balance & payment application. This is supposedly a 120 month ( 10 year ) repayment student loan with an originating lending amount of {$10000.00}. However, after making monthly payments for over five years I've only paid {$2700.00} of principal. The current balance of {$12000.00} is still more than the original loan amount so I can not understand how the 120 month loan I was sold in XXXX is still not halfway paid off halfway through the payment timeline. I have reviewed all of my recent statements and can not find a disclosure, that I believe is required by Regulation Z, with a payoff timeline based on the minimum payment. There's no way this loan will be paid off during the 120 month period if my monthly payment is only applying approx. {$40.00} towards the principal. I've paid a total of {$12000.00} on this loan in five years ( {$9300.00} was interest ) which seems severely unethical and inaccurate based on the loan sold to me over the phone. Wells Fargo needs to reassess how my payments are being applied & correct this discrepancy.

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 2020-10-08
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: Information belongs to someone else

Complaint:
THE ACCOUNT FROM SANTANDER AUTO DOES NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNT IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2017-10-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company is calling me regarding a debt from XXXX for The XXXX. They repeatedly are calling me constantly even though I told them I am out of work and can not make any payment at this time. This is a series of multiple calls I am getting on both phone numbers of XXXX and XXXX and I am getting robo-calls constantly all day long when I am trying to look for a job. The calling usually starts at XXXX in the afternoon and I think this is a tactic of harassment towards me by someone that is purposely bothering me. It is apparent they have gotten into my credit file and the calls started when I was laid off. The robo-calls are constant and not from the same company and I put a alert on my credit file as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-07-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
sent XXXX the ftc complaint wells fargo still showing on my credit file XXXX  and XXXX  have remove it

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