BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-18
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was hospitalized on XX/XX/2018 to XX/XX/2018. When I was released from the hospital I discovered that my debit card was used without my knowledge or authorization. I contacted Wells Fargo and filed a dispute about the charges. 

I provided them two different letters from my Doctor about this time period. Wells Fargo has stated that they know I was in the hospital and yet because someone used by card with the pin number that I must have given them permission to use my card. 

At no time during this time frame did I ask anyone to use my card or authorize anyone to use my card during this period I tried to explain this to Wells Fargo but they refuse to listen to me. 

During the time I have been dealing with Wells Fargo they have told me that my dispute is from {$4000.00} to as high as {$8000.00}

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 explanation
Consumer complaint received 2019-04-28
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
XXXX credit bureau lists a Bankruptcy on my credit report. XXXX stated on my credit report that LexisNexis ( third party ) has verified the bankruptcy as being factual. I contacted The United States Bankruptcy Court Northern District of Illinois regarding the matter of the court verifying the information. I received a letter from the court that states : The bankruptcy court does NOT perform any activities with the credit bureaus. I must contact the individual credit bureaus for their procedure for removing the bankruptcy filing from their credit bureau. XXXX  or LexisNexis will not remove the account because the bankruptcy court hasnt verified the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Navient Solutions, LLC.
State: TX
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:
Navient is showing up on my credit report as late on 9 different loans but not on all my loans that I had at that time. There where different services during that time and they can not explain to me why it is reporting late over 90 days for XX/XX/XXXX and XX/XX/XXXX which are summer months. I have attached an email that I sent directly to XXXX XXXX and she still has not responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Viking Client Services
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re : XXXX XXXX/ XXXX XXXX XXXX XXXX ( acting as agent for XXXX ). 
Transaction : Rental of passenger automobile on XX/XX/XXXX-XX/XX/XXXX at XXXX XXXX XXXX XXXX Airport. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). 
Issue : XXXX/Viking claim damage to vehicle after returned. Damage to front lower bumper of approximately {$1500.00}. 
My reply : XXXX performed a 'Pre-rental inspection ' as required for renting a vehicle that is part of their 'XXXX XXXX '. Inspection showed lower front bumper damage in addition to missing 'XXXX Oil cap ' on engine. 
XXXX Response-Unable or unwilling to provide documentation other than general rental agreement copy. Would not provide copy of 'Pre-rental inspection ' form. I already was in possession of said document and failed to keep a copy of the 'Pre-rental inspection ' form that would have put an end to the issue. XXXX ' website refers to the requirement of a 'Pre-rental inspection ' form as being required. XXXX/Viking filed a claim against my auto insurance policy but my insurance company is denying claim as XXXX/Viking can not provide sufficient documentation to prove their case. 
Conclusion : Rental companies I have read do this all the time without proof, placing in collections affecting good credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent letters to the 3 major consumer reporting agencies on XX/XX/2018, and a follow up letter on XX/XX/2018, along with my identification, and a FTC identify theft affidavit asking that they remove results and inquiries that were a result of fraud. The agencies failed to remove all the accounts listed in my original letter.

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 2018-05-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have two accounts with XXXX XXXX XXXX XXXX I paid them both off in XX/XX/2018. Then used one after the payoff which now has a balance of {$2700.00} with {$2200.00} left to use, it has a {$5000.00} credit limit. My second account has a {$4000.00} credit limit with a XXXX balance. I have disputed this with Equifax twice. They sent me a completed result but it would not allow me to login in. Now they have damaged my credit severely by listing that my balance is {$8200.00} showing that I am 207 % over the credit limit and I was unable to apply for credit. This is beyond unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have an issue that requires your offices attention. Im a premier client and have maintained a 25+ year relationship with Bank of America . I recently refinanced my existing JUMBO home 1st mortgage with Bank of America and also maintain a HELOC with BofA. During the refinancing process ( for the mortgage ) I requested a modest increase to my unused HELOC ( figuring it would be easier to get it all done at once ). I was told by my mortgage banker ( XXXX XXXX XXXX NMLS # XXXX ) that it would be easier to increase the HELOC after we closed the first mortgage. Now I am being told ( post closing of refinancing ) that an increase to my HELOC would require an exception that BofA can not accommodate. This would have been helpful information to know prior to closing and paying nearly {$50000.00} of closing and refinancing costs. I find it unconscionable that after working with Bank of America in good faith and incurring massive costs that I now find myself forced to seek out an alternative HELOC AFTER Bank of America effectively locked me into a mortgage refinancing at a significant UPFRONT cost to me. I was clearly mislead. My refinancing business was sought after by several competing institutions but I decided to stay with BofA given the long relationship. 

Again, my HELOC request was raised during the 1st mortgage home refinancing process and I was told we will handle it after the mortgage is closed. At no time was I made aware there may be the need for exceptions.

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 2019-04-28
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: Account information incorrect

Complaint:
Experian Report # XXXX For XX/XX/XXXX XXXX XXXX XXXX   does not report credit card account number : XXXX XXXX XXXX XXXX does not show on my Experian report My other Account number XXXX XXXX XXXX XXXX shows same name same information. Experian does not show account # XXXX and has not explain to why this account does not show. Experian has not legally justified to how an account I have had for several years does not show but the account shows on the other 2 credit bureaus. Both statements are new for the month of XXXX. I have also talk to an attorney that deals with suing credit bureaus for errors. This error has been going on for past 7 months by Experian. XX/XX/2019 Experian replied back to XXXX XXXX XXXX Card to a dispute I did not have nothing to do with the account. The dispute was on Experian to why my account had not been updated as stated in my complaint to the consumer financial protection bureau. Experian deleted the account I did not request the account be deleted. Experian needs to provide documentation on me requesting and a signature of my request to deleted. On XX/XX/2019 My other account shows the same information on it as XXXX XXXX XXXX XXXX account ending in XXXX so why it shows and XXXX does not show. XXXX XXXX XXXX Card has sent the information to Experian I have also talk to an attorney regarding the situation. If the matter is not cleared up I'm turning it over to him for legal issues and any other damages as told to me by my attorney if the issue cant be resolved. One account shows with same name same address but Experian acts it the account was requested to be deleted by me. Please stop with the words and lies of something I did not say or sign. Experian has yet to provide any legal documents to the issue on hand with account ending in 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 2021-06-01
Company: SYNCHRONY FINANCIAL
State: TX
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:
Companys reporting to my credit Bureaus without my consent

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 2018-03-20
Company: The Affiliated Group, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a unverified account from The Affiliated Group. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that The Affiliated Group Cease and Desist all further communications.The Affiliated Group needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My co-borrower and I funded our closing escrow accounts XX/XX/XXXX and were due to close XXXX XXXX. I contacted the company by email, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX regarding the delay in funding our mortgage loan. I also questioned need for 2 sets of escrow documents needing signatures, what increased costs did we incur due to the delay of funding and being charged a reappraisal fee. Our XXXX XXXX loanDepot office was unable to answer any of our questions so I sent a certified letter via US Mail to the corporate office in XXXX XXXX, CA on XX/XX/XXXX XXXX company received it XXXX XXXX. No reply from the corporation. I wrote again on XXXX XXXX with no reply. I wrote the CEO XXXX XXXX via certified US Mail on XX/XX/XXXX XXXX company received it XXXX XXXX ). STILL NO REPLY!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I received an auto loan through Wells Fargo for my truck. Unfortunately, I have developed an XXXX in my XXXX as a result of a XXXX XXXX. Due to the XXXX I needed to have my XXXX  XXXX XXXX taken out and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. For six weeks Ive been on antibiotics through an IV. Then a XXXX XXXX XXXX surgery and a few months of recovery. During this time I am unable to work. I also have no income, I am waiting for the auto insurance to send me a check for my lost wages. I have tried to work this out with the lender and they said they have no way to help me. When the check is sent I will be able to pay off the total owed for while Ive been off work XX/XX/XXXX- XX/XX/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 2019-04-28
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is not my account and I have not contract with them and going after my for no reason I went to court and they didn't even show up to defend the petition so I do owe this dedt

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 2019-04-28
Company: AES/PHEAA
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:
I am a victim of identity theft. Section 605B states that if an account is a result of identity theft, then it must be removed. I disputed with the credit bureaus about PHEAA, and the dispute returned back " verified ''. Simply stating that this account was verified doesn't change the fact that I don't know what it is or why it's reporting negatively on my credit reports. Deleted this immediately or I'll file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Midwest Recovery Systems
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report shows collection account from Midwest Recovery Systems opened on XXXX XXXX, 2017 for XXXX, XXXX, and XXXX. I have not had any recent payday loans in the past 5 years or more and do not recall a payday loan with this company. I have not received any type of debt validation notification or collection notices from XXXX XXXX XXXX prior to this debt reporting. I 've done some research about this company and from what I 've read, they are not licensed to provide or collect payday loans in the United States. It 's a tribal loan XXXX XXXX XXXX company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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'm disputing these following accounts due to the fact my identity was compromised long ago, but yet these unauthorized accounts are still reporting on my credit file. I'm demanding that they be blocked, or the 3 major credit bureaus so just why they are reporting these unauthorized fraudulent accounts. Please block these accounts ( 1 ) XXXX, ( 2 ) XXXX  XXXX {$130.00}

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 explanation
Consumer complaint received 2018-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX, I received two letters from XXXX XXXX XXXX XXXX asking for payments for two XXXX XXXX accounts. After checking my XXXX Credit Report and my XXXX reports I noted that all of the information about the two accounts that Portfolio was trying to collect on were not verified by credit card numbers ( the credit card acct. numbers in question had between 2 and 6 first numbers of existing accounts correct ). The original banks that issued that issued the cards and amounts owed differed completely from my Credit Reports. The original accounts that I had with XXXX XXXX had all been opened in XX/XX/XXXX and all three of the accounts from that time were on my Credit Reports. Portfolio was also calling my elderly mother 's house on the average of five times daily. I also could see that Portfolio had referenced my credit report every month starting in XX/XX/XXXX and knew the accounts they were trying to collect on were not valid. I disputed their claims with the above information and they mailed a letter to me saying the information was not new to them so they were rejecting my dispute. The address for this company is : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. The telephone number is ( XXXX ) XXXX. Their e-mail address is XXXX. I have spoken with lawyers about this problem and even though I am deemed Uncollectible due to source and size of my income, I see this as a social justice issue that needs to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Receivables Management Partners, LLC
State: FL
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:
Looking at my credit report back in XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One amount was for {$1700.00} showing up on my credit report as account XXXX and another for {$590.00} showing on my credit report as account number XXXX. I sent out letters to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I was sent bills stating I owed them but they never provided me any evidence bearing my signature that I have ever had some contractual obligation to pay them. Also, the medical bills I receive reveal personal and medical information about me. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: Experian Information Solutions 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:
I am a victim of identity theft. Section 605B states that if an account is a result of identity theft, then it must be removed. I disputed with the credit bureaus about XXXX, and the dispute returned back " verified ''. Simply stating that this account was verified doesn't change the fact that I don't know what it is or why it's reporting negatively on my credit reports. Deleted this immediately or I'll file a lawsuit.

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 2019-04-28
Company: EQUIFAX, 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:
I am a victim of identity theft. Section 605B states that if an account is a result of identity theft, then it must be removed. I disputed with the credit bureaus about XXXX, and the dispute returned back " verified ''. Simply stating that this account was verified doesn't change the fact that I don't know what it is or why it's reporting negatively on my credit reports. Deleted this immediately or I'll file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2019-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Hello I've noticed that there are addresses that aren't mine this is very alarming to me I have attached my identification with the only address and name that should be listed on my file I am a XXXX and my file may be mixed up with my father or worse a stranger

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