BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: WELLS FARGO & COMPANY
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : WELLS FARGO Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$110.00} Reason : Identity theft Please remove it 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 2021-07-13
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed it. They say i owe this company but i never had electric with this company. I only used XXXX XXXX XXXX XXXX. My identity was stolen. I have no idea of who they are. I live in ohio only. Never got electric anywhere else. My gas was XXXX. This is fraud.

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 2020-12-03
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:
THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USE MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  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 Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In 2017 XXXX  ( the bank i was previously with ) failed. I was sent a statement for overdraft fees from a credit building plan i was unaware of. I was given a number to a bank I never did business with named First Citizens Bank. I have contacted/been inside this bank to pay them over over 10 times since 2017. My issue is they wont allow me to as they seem to not know who I should pay. This has caused me duress with my XXXX  reporting for a very long time. 





XXXX : XXXX Account : XXXX Date of closure : XX/XX/2017 Charge off amount : {$140.00} Old Bank Name : XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX Phone number : XXXX New Bank Information First Citizens Bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Carter-Young, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collection Agency : Carter-Young, INCXXXX. 
The total amount of this collection is {$830.00} for an apartment by the name of XXXX XXXX XXXX, opened XX/XX/2016. As it stated it was a joint account. This account is closed and I dont know who the other individual is that is on the account. It should not be on my credit as a loan I owe. I contacted the company for them to explain to me why it was there and showing as joint and no one could explain. I need this removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Affiliate Asset Solutions, LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I received a collections notice from Affiliate Asset Solutions LLC stating that they had bought/sold Pendrick Capital Partners LLC debt for amount referenced below. 
The original account, not belonging to myself is as states. 

Patient : XXXX XXXX Original account number : XXXX Original creditor : XXXX XXXX XXXX XXXX Date of Service : XX/XX/XXXX Balance Due : XXXX Upon receipt of this letter, I sent a reference letter and dispute to Affiliate at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX GA, XXXX. 
I have received no correspondence and now this reflecting on my credit reports. 

I, XXXX XXXX, was not treated for any condition on XXXX XXXX. If I was, it would have been in KY, where I reside and would have been covered by KY XXXX which I received for many years. Beside the fact that this is an inaccurate debt, any treatments disclosed in the itemized bill sent to the creditor would have violated HIPPA. 

This debt was not incurred by me and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
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:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I've ( XXXX veteran of foreign wars ) worked in XXXX  in XXXX and XXXX and XXXX. The schools accredited or not, have refused to sign the student loan forgiveness letter provided by Navient. Navient requires the school finance officer to sign the document. However, what if the school won't sign it due to workplace issues or even forced labor? I was XXXX  five subjects at XXXX XXXX. Also, one year of XXXX  in XXXX is equal to XXXX  five years in American hardship schools and location. I have XXXX here for five years resulting in my inability to pay my student loans. XXXX  in XXXX as a military veteran, a mentor in the classroom, is almost priceless. I would like XXXX $ forgiveness for every 3 months employed as a XXXX in a third world country. Technically, the schools can force foreign migrant XXXX, even American veterans, to work illegally by not providing a work permit or even outpatient health insurance. I am at greater risk here than when I served in XXXX! Indeed, I do not get hazard duty pay. My competition for XXXX  jobs comes from the XXXX XXXX who comes here to XXXX almost for free on year contracts. This makes it harder for me to maintain full time positions without allowing for modern day slavery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: VA
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:
Consistent on time payments with XXXX XXXX XXXX XXXX. This account was opened XXXX closed in XXXX as PAID as agreed. Now they have updated my credit report with this SAME account that was closed and attached late payments to it. I disputed it with the credit agencies and the error remains on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: GOLDMAN SACHS BANK USA
State: MA
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:
Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX CONSUMER SOLUTIONS XXXX XXXX XXXX XXXX, PA XXXX ATTN : DISPUTE/CLIENT RESOLUTION XXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX, was denied an extension of credit by Goldman Sachs Bank USA XXXX On XX/XX/2022, I applied for AppleCard. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( a ) ( 3 ) and you assume civil liability pursuant 15 U.S Code 1691e. 

Goldman Sachs Bank USA has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022 via email is both proof and evidence that I have been discriminated against, you are also criminally liable. Goldman Sachs Bank USA should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to my numerous requests to investigate and remove accounts and inquiriies from my credit report that were opened fraudulently.

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 2021-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I tried to purchase an item online for {$96.00} and never received the item. When I notified the bank they issued a temporary credit to my account. They said they investigated and they denied my claim and reversed the temporary credit taking the money out of my account. I forwarded an email that I sent to the merchant asking them to refund my money because I never received the item and never got a response. I was sent a letter stating that the item had been delivered to the front steps of my home which was in fact untrue. I was out of work and there was always someone home at my house and there was never anything delivered. Also, I live in an apartment complex and any item left outside, the other residents of our building will bring it in and place it in front of the unit of the resident. Their was no physical address on the information that was sent to me it only stated the town, state and zip code of the delivery. I find it ironic that the bank could get in touch with the merchant and I could not get a response from them. I believe they are lying as I told them I believed the purchase to be a scam/fraud. I emailed them a copy of my email to the merchant and a picture of the advertisement of the item that I never received. There were so many red flags and a good investigator would have noticed them. Please request all emails that I forwarded to Bank of America and review them before rushing to judgement to make a decision. 
Thank you in advance 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 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In XXXX of 2017 I wrote to XXXX, XXXX and Transunion asking them to verify several accounts that were unbeknownst to me and I have yet to see a response nor a change in my report. The accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX University -XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
The Bank of America institution is monitoring my credit. I do not have an account with this financial institution and have not consented to this monitoring. 

The checks happened on the following dates without my knowledge or consent : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022

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 2017-08-28
Company: TD BANK US HOLDING 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:
my accounts nordstrom account number XXXX date opened XX/XX/XXXX and XXXX XXXX account number XXXX date opened XX/XX/XXXX, are reporting one late to credit reporting agencies. which are inaccurate, so please have these inaccuracies removed especially when i have the creditors letters as approval to do so. 
thank you for your cooperation please find attached the creditors letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed an account with XXXX XXXX XXXX XXXX with Equifax. 
This account was removed from my from my credit report, after my dispute. Then, it appeared back on my report. 
I disputed it again, and once again it was removed. 
Now, it is back and showing active since XXXX XXXX. THIS IS WRONG. 
This account was closed in XXXX, is not active, and has NOTHING owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I ask them if they could lower the payment, by {$40.00} they said no. If they can not fix this I will have no choice but to close my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On my TransUnion credit report, there are two hard inquiries from " XXXX via XXXX  XXXX ''. 

One of them happened on XX/XX/XXXX. I have confirmed with XXXX XXXX  that this inquiry is for the other person, who is wrongly recognized as me. I've explained this to XXXX and sent TransUnion my email with XXXX XXXX last year. But it seems that the hard inquiry has not been removed yet. 

Today, I just found that there's such a hard inquiry again. I really have no idea whom I should ask for help from to remove these two hard inquiries. I am always living in the same place from XX/XX/XXXX, so it is obviously impossible that I'm looking for somewhere new.

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 2019-11-28
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:
XXXX  AND XXXX  HAS AN ACCOUNT ON MY CREDIT THAT IS NOT MINE. IVE DISPUTED THIS ACCOUNT SEVERAL TIME AND THEY HAVE REFUSED TO DELETE/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 explanation
Consumer complaint received 2021-08-11
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
{$2000.00} was stolen from my checking account. On XXXX, I was scammed by a fake TD Bank Fraud Services Representative who sent a text from a XXXX digit number asking about a charge that was made to my card asking to confirm if it was me. I responded with NO and then received a call from ( XXXX ) XXXX which said TD Bank. Asked me about 3 charges to my card : No XXXX. XXXX something dollars to XXXX XXXX XXXX in Florida. 

No. XXXX. XXXX something dollars to XXXX in Florida. 

No. XXXX. XXXX something dollars to a grocery store in Florida. 

I declined all 3 charges and the Rep proceeded to say, also the person is requesting to take {$3500.00} out of my account as well through an ATM. I obviously was like what, well let 's shut it down. And he was like " Okay, we will refund the money into your account you're going to receive a text message. '' I then received the text from a XXXX digit number and he said, " Did you receive the text? You need to text back your username with the work cancel after it. '' I did. He said the money would be sent back in the same way it was being withdrawn. 

Then I received another text saying XXXX will be refunded to your account. Please respond YES or NO. 

Responded YES. Texts kept coming.. XXXX, XXXX, XXXX, and the guy was still on the phone and said : " Keep responding yes, I'm just going to work here quietly if that's okay? '' I say okay. 

After about 6, they stopped. The call ended. 

I called back TD Bank, they transferred me to the fraud department and said it wasn't them who called. 

Now there is nothing TD Bank can do. {$2000.00} was taken from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
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, the list of credit reporting agencies and creditors have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section 602A states I HAVE THE RIGHT TO PRIVACY.

15 usc section 604A section 2, states A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN CONCENT OR INSTRUCTIONS.

PREVIOUS REQUEST TO CEASE AND DESIST THIS VIOLATION HAS BEEN IGNORED BY REPORTING AGENCIES, A CLEAR DISREGARD FOR 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 non-monetary relief
Consumer complaint received 2018-04-15
Company: CURO Intermediate Holdings
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Fay Servicing, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On multiple occasion our mortgage company has caused financial and emotional distress. XX/XX/XXXX we requested a another escrow analysis after only receiving a check and no disclosure statement of the analysis. Today, XX/XX/XXXX after opening our mail read the disclosure statement that states we are required to have {$2200.00} in escrow which is deceptive and misrepresentation. We called Fay Servicing and spoke with XXXX and she said a reanalysis was completed on XX/XX/XXXX and the analysis on XX/XX/XXXX was correct. This is false because ( see understanding your monthly escrow payment amount # 2 ). Additionally, today is XX/XX/2019 and we are just now receiving the new payment amount due XX/XX/2019 only 10 days before the payment due date. We made multiple requests to XXXX to advise the required cushion amount and the only amount she would give is the {$2200.00} but when we called on XX/XX/XXXX we were advised ( 2 ) month of cushion is required. Our new escrow amount is {$360.00}, so a ( 2 ) month cushion would be {$730.00} which is stated on the understanding your monthly escrow payment amount # 2. Once again our current escrow balance is {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX2021. And now we are in the month of XX/XX/XXXX2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX 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 non-monetary relief