BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked the company for a request that was two-fold ; submit my right to waive XXXX regarding communication with a third-party and second, to verify debt via signature, documentation, and information necessary to establish verification and validation of debt. The company submitted an account number with my name on it, which was not the necessary information requested to negate fraud concerning my identity as I am unaware of said debt.They continue to negatively report information without proof.

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 2018-08-30
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I heard about the Wells Fargo class action lawsuit about opening unauthorized accounts. I never had any authorized accounts opened without my knowing. I did not realize this lawsuit also included Identity Theft Services. I believe that I was charged approximately {$11.00} a month for Identity Theft Services for years and I should have been part of the suit, but apparently I missed the deadline to file a claim. I learned about the Services Charges from listening to XXXX XXXX XXXX. So I have two questions. 

1 ) It's really not fair that I can not be included in the lawsuit, despite missing the arbitrary deadline to file a claim. Why can I not be included, and can I appeal this? 
2 ) I was also charged XXXX a month for some kind of Home Warranty Service that was discontinued last year. Why is this not being reimbursed? I haven't talked to the individual Wells Fargo branch about this, but I inquired with the WFSettlement contact, and they did not mention this type of service.

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 2020-12-05
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:
Ive submitted disputes before and the company has not responded to me. These accounts are fraud and were not opened up by me. I did not obtain a loan through to go to school.

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 2020-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Associates calls me 4-5 times daily, every single time on a different number, so blocking each number is pointless. It's incredibly distracting as I'm on the phone a lot for work and expecting real calls, so it needs to stop. I've already asked them to stop and they simply refuse to handle this by mail as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: Hello Digit, LLC
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Having problems with digit I canceled my subscription with them and they are still taking money out of my account. In fact they took {$5.00} out of my account this morning XXXX XXXX XXXX 

I canceled my subscription with them back last year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-08
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:
The following creditors with whom I have no open accounts or relationship with-obtained my information UNAUTHORIZED and WITHOUT MY CONSENT : Creditor Name Credit Bureau XXXX Equifax XXXX Equifax XXXX Equifax XXXX Equifax XXXX Equifax XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it once again. It is not permissible to fail to validate these reporting accounts as unverified information. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}

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 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX  XXXX bankruptcy falsely reported to my credit with date of 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 2023-02-19
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
these multiple attempts to collect multiple debts from accounts posted on my credit file from XXXX XXXX {$360.00} acct number XXXX {$51.00} acct number XXXX {$1500.00} acct number XXXX {$630.00} acct number XXXX have all been fraudulently reported on my credit file i do not own these debts and there has been no validation from either company i did not accure these debts NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO 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 2023-01-30
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XXXX  Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.

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 2020-09-10
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Signed up for forbearance, due to covid related job loss. The start date XX/XX/2020 for three months. They started it in XXXX, I paid XXXX payment and XXXX payment now I am behind 2 payments for XXXX and XXXX. 
I want the forbearance to be for the 3 months that they offered. 
I spoke to Barclays customer service 4 times for a total of approximately 4.5 hours. The consistent theme is that I have been late on my payments which is false. I have paid 1 month ahead since I obtained this loan. The customer service reps say they can not do anything about this. I have asked to speak with management of Barclays. They refuse to forward me to management. My credit score was XXXX before they reported that I was 2 months late. It is now at XXXX, after this debacle.

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 2023-06-23
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: Investigation took more than 30 days

Complaint:
I sent a letter out on XX/XX/XXXX to Experian, XXXX and XXXX ; My tracking numbers are XXXX, XXXX & XXXX. It has been more than 30 days and the credit bureaus failed to send my investigation back. 

According to the las 15 U.S. Code 1681i Procedure is case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance to paragraph ( 5 ), begore the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2018-08-30
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Phoenix financial serv. XXXX XXXX XXXX XXXX is claiming that on XX/XX/XXXX I have a Debt of XXXX dollars for medical services.. I did not have any medical services done to me.. they have charged me for some association doctors cost.. this is not right ... and this is unfair practice ... and this is not me .... the contact information they have provided is XXXX XXXX XXXX XXXX XXXX , IN XXXX.. phone Number XXXX XXXX XXXX XXXX.. thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

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 2018-10-06
Company: Experian Information Solutions 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:
It has come to my attention that an old account from XXXX XXXX XXXX XXXX has been recently reported as late. This account was charged off in 2012 and has not had any subsequent activity since then. For the past 3 months you have reported me as late, however this account was charged off. I have called the bank and verified that there has been no recent activity and the only activity that should be reporting is a charged off 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 2021-08-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have submitted disputes to Equifax 5 times now advising them of the credit inquiries on my credit report that were never authorized by me. Equifax is violating FCRA laws by ignoring my dispute request. Equifax is required to research and verify the information it is reporting to confirm its accuracy. Its been over the alloted 30 days and Equifax continues to ignore my dispute. I have attached my most recent dispute letter to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a inquiry ( and only inquiry ) about COVID relief and specfically asking if there were retroactive option. Here is exactly what I wrote : " Is it possible to apply COVID relief measures retroactively? To apply a measure starting from and ending on an earlier date in order to mitigate recent past issues? '' Nowhere did I request to have my account put into forbearance. BUT, Freedom Mortgage took it upon themselves to do this without my approval/consent/knowledge. I learned yesterdayXX/XX/XXXXby checking the website that I'm under " disaster mitigation '' and " forbearance ''. ( despite setting up autopay, I must check this website almost every day as this website has had a history of issues, another story for another day ). 

To reiterate I NEVER REQUESTED forbearance. Freedom did this without my approval/consent. I sent several internal messages I called today, as was told it would be " removed in 5-7 buisiness days ''. That is not good enough, I'm currently refinancing with another better company and this may cause a hangup, and I don't have faith this will be corrected quickly. 

I never wanted a forbearance, I made a casual inquiry about options. How is this even legal?

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 2023-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
NELSON AND KENNARD IS CALLING TO COLLECT IN FULL ON THE CREDIT CARD DEBT THAT WAS INCLUDED IN BK AND XXXX XXXX ISSUED XXXX. I CONTACTED XXXX XXXX WHO STATED THEY DO NOT HAVE THE CARD INFO IN THEIR SYSTEMS AND THAT THEY VOIDED THE SALE/TRANSFER OF THIS PAST DUE DEBT TO NELSON AND KENNARD WHO STILL WENT THROUGH WTIH THE JUDGEMENT EVEN AFTER BEING NOTIFIED OF THE BK ... THEY SIMPLY ARE TRYING TO POCKET THE MONEY THEY ARE NOT ENTITLED TO BEGIN WITH.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I called the debt collector as I have done several times before in the past since XXXX. This account is not associated with me. This is on my credit report and making it impossible for me to do what I need credit wise because of this account is reporting incorrectly. This is not my account. I have made a ftc report and faxed into the company they disregarded the police report which is against the law.I have reached out to the bureau about this issue and nothing has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2010 I entered into a loan modification program with Wells Fargo. All payments were made complete and on time. In XXXX we decided to sell the home and use the proceeds to pay off the loan. After selling the home, and while in contract to purchase a new home, Wells Fargo incorrectly reported to the credit bureaus that I was 90 days late on my payments. 

Wells Fargo 's excuse was that the modification payments were not applied correctly, and due to the lowered payment amount, caused the loan to fall behind. The bank was taking the payments and applying the amount to the previous month, even though the amount paid was the new amount per the modification agreement. This caused weeks of headaches, hours spent on the phone with Wells Fargo just trying to reach someone who could make sense of the situation, days missed of hours, and unimaginable stress.

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 2023-01-29
Company: CITIBANK, N.A.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I called Citi Bank on XX/XX/2023 about my direct deposit and they told me that I would not get deposited into the account cause it's in the process of closure and that the acount is blocked from all deposits and auto pay withdrawals well then I called them again on the XXXX of XXXX because my direct deposit still as not went back to my employer yet and I finally got someone there to tell me when it was rejected and all that. They told me that it can't go through it was already rejected from my account and that it will be sent back to my employer and that it takes 2 to 3 days to send back to my employer. IT IS ALL ON RECORDING TOO JUST SO U KNOW EVERY CALL I MADE TO THEM IS RECORDED.Well as of this morning on XX/XX/XXXX I got an alert from Citi bank cause my alerts are still on with them I guess but I got an alert saying there was XXXX dollars in my account now. When they actually blocked my account and I had no access to anything on the Citi mobile app or the website and when they closed my account there was XXXX dollars in there and on the XX/XX/XXXX I got an alert for that amount of XXXX dollars..so that means they deposited my paycheck after they told me twice that it got rejected and that it can't be deposited into my account cause the account has a block on any incoming deposits or pay withdrawals. So now I'm not going to get my paycheck for this pay period cause they tell me that anything that is in my account I have to wait 30 to 60 days for the letter they send out to me to receive my funds in that account and I have bills to pay I have an XXXX XXXX XXXX XXXX  to take care of and all that and they took my money from me and I'm very very upset about this. Please do something ASAP PLEASE PLEASE PLEASE

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