BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-09
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: Information belongs to someone else

Complaint:
Hello I keep getting harassed by XXXX loan company about money I owed to XXXX which was the creditor which was fraud and never authorized by me which XXXX knows and should have in there notes. So I am unsure why this is still on my credit report or even going on. I have no problem explaining the situation. These collection agency 's keep calling up my phone and keep sending me letters. Under the fair credit act I asked them to show me proof I really did anything which I know they can not since It was fraud and I never signed over anything. I just want this deleted from my file on experian, XXXX, XXXX and any other companies. 

Last year I had spoke to XXXX a few times to try and resolve this whole thing they had mentioned something about money from an XXXX there was a bunch of transactions and my XXXX I had closed to avoid this from growing. XXXX was going to reverse all money to XXXX account this way she would owe the money. I believe it was her son hacked into my file and tried to pay his mother with XXXX. I do not feel responsible In anyway as this was fraud and not authorized by me. I keep getting these settlement letters but there is nothing for me to settle as I do not owe XXXX XXXX so I hope you guys can help resolve the matter and the people who owe the money. If anyway I can help I would be more than happy to do so but this is 100 % fraud. I just want the harassment to stop.

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 2023-02-27
Company: Experian Information Solutions Inc.
State: MO
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 accounts below has violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX3 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also States a customer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section states : no customer reporting agency may make any customer report containing any of the following items of information any other adverse item of information, other than recorded of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681 as well

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 2023-01-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I filed a claim for several fraudulent ATM withdrawals. I explained that my debit card had been stolen along with my passport and XXXX credit card. I advised them that I did not make authorize these transactions. 

On XX/XX/XXXX I received notice that my claim was denied and to call them to get the information they used to investigate. 

On XX/XX/XXXX I contacted the claims department and spoke with a supervisor XXXX XXXX who stated that they will not honor the claim because my PIN number was used. I explained to her that I did not share my PIN with anyone and someone got a hold of it by another means. She refused to process my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
When I was a XXXX XXXX year old, I opened a XXXX XXXX XXXX credit card mid to late 2015 ( oldest recovered statement XX/XX/15 ) : my first ever credit card and I failed like most young adults. I initially made reasonable charges and paid my debt on time, working at XXXX as an Associate Stylist. But after taking on more liabilities than I could handle, I leaned on my credit card irresponsibly. Sadly I ended up losing my job, my debt compounded interest & fees and I was stuck owing {$2900.00}. Honestly, this amount of debt overwhelmed me, I wasn't able to pay my debt with {$0.00} income, and I didn't know what to do. So out of pure adolescent ignorance, I became paralyzed with fear and I let it sit ; as my debt was then overtaken by Midland Funding. One day their representation pulled up in a SUV in front of my house and served me a subpoena to appear in court. If their intention was to frighten me, it worked! So I showed up to court as asked, we discussed and afterwards I waited to hear back. Soon after, I moved to a new place of residence and lost track of the status of the case. I don't remember receiving further updates. Overall, I wasn't equipped to deal with this circumstance properly and I ended up in deep trouble. However, I do understand that I am still held accountable for my negligence. So CFPB, I appreciate the opportunity to reconcile my professional relationship with Midland Funding and XXXX because I will prove trust worthy with lenders by borrowing responsibly and paying back promptly moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My card was recently compromised and a charge made by XXXX that I did not authorize. Upon researching this charge I found another recurring charge going back quite some time that I can not even research for XXXX a month from XXXX which I can not even find out who they are. 
I disputed the charges I was allowed to with my bank given that I did not make them and cant even identify the XXXX company. They have declined to return my money. Furthermore the XXXX  is a recurring charge, and Truist saw fit to give them my new debit card number so that they could continue siphoning money from my account. 
As a result of Truist sharing my card number this charge has once again shown on my account after I reported this very company as fraudulently charging me. They told me they could not stop the charge when it was pending and that I must fight to get my money back for their mistake once it posts on my account. 

How is it legal for Truist to simply say that because my card has been compromised once in the past that they will never back me again? This is essentially what the denial paperwork says. And what is the remedy for the absolutely disgusting fact that access to my account was given to a company Truist was already made aware was scamming me?

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 monetary relief
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
By the provisions of the Fair Credit Reporting Act, I'm sending this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$240.00}.

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 2019-03-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is not a legit company. the phone number is fraudulent. The company / person has made a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: PNC Bank N.A.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I made a XXXX purchase for vintage clothing that was to be shipped to me immediately after purchase in the amount of {$130.00} with the description for clothes. The merchant never sent the items and I sent a XXXX XXXX request for the amount I paid which was rejected. 
I contacted the merchant several times with no response for a refund ( email and social media which I can furnish proof ) Ive since filed several claims with XXXX and each time has been denied ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX thats as far as i could go on my phone but there are several more ). I also filed claims with my funding bank ( PNC ) on 2 occasions which were both denied as well which i truly dont understand. I dont think its fair that its going on 7 months and both PNC and XXXX continue to give me the run around on processing this fraud request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: EQUIFAX, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
For 5 years I have been disputing two accounts on my credit report from XXXX XXXX XXXX XXXX. In 2018 I had a payment arrangement for a creditor set to draft their payment out of my bank account. I set up this payment arrangement with the intention of having the funds available on the day of the draft. Due to medical issues that made me unable to work I had to withdraw the funds to pay only our necessities which left my account empty by the time the creditor tried to draft the payment from my account. Since I knew I did not have overdraft protection on my account I assumed the transaction would just fail and me and the creditor would just work out another payment plan. Unfortunately, XXXX XXXX XXXX XXXX decided to do a " one time courtesy pay '' to the creditor on my behalf without my knowledge or consent. This caused my account to go into the negative and forced me to switch my direct deposit to another bank because I could not afford for them to take all that money back when I was paid the following month. I have gone into the bank, called the corporate office, disputed the charges and I still can not have this charge removed from my credit report even after they could not provide me with any documentation showing that i was aware the bank could make one time payments even if you dont have overdraft protection ( which i did not have overdraft protection ). They also could not provide my signed consent to this process. XXXX XXXX  may have assumed they were doing me a favor with this action but i have been living with the impact on my finances and credit report for 5 years now. Not only did they make this unauthorized payment on my behalf but instead of this being one account on my credit report they have split the balance of the payment and reported 2 accounts. One with a balance of {$410.00} and a second with a balance of {$64.00}. I was sure when I explained this to the credit bureaus they would find that XXXX XXXX  had no authorization from me allow this transaction to go through and remove the two negative accounts but every dispute comes back in favor of XXXX XXXX. I am asking one final time for proof that shows my knowledge and consent to this " courtesy payment '' practice from XXXX XXXX XXXX XXXX. If they can not provide proof I would like the 2 accounts removed from all of my credit reports and a payment for the amount on both accounts for the 5 years of damage to my credit due to their unauthorized assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Colony Brands, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've been trying to correct the issues with Colony Brands i.e. XXXX XXXX  XXXX, XXXX over a year. Most of these orders were made while I was in the XXXX for 2 years, therefore, they did not confirm it was me before opening and/or confirm any information.. I used several avenues to resolve the issue with different agencies and they would not respond with the agencies so the case was closed. I specifically told this company I did not place any orders with them ... if the company would have checked my credit report, it says not to open nor place any orders without confirming it is me. I spoke to XXXX in the Corporate Office and was assured he would provide information so I could review it. Then were to remove charges then close all the accounts. I did not receive any other contact from Colony Brands  ... i.e. XXXX XXXX  XXXX or XXXX. They could not provide any information that would substantiate any orders, therefore, I will not be responsible for anything that isn't mine. I receive reports from XXXX  XXXX showing past due accounts that I felt were resolved over a year ago. There was a file # XXXX ( Colony Brands ) and FTC file # XXXX. Colony Brands waited until they thought I would have forgotten about the issue without any proof of FTC, discussion with them or documentation. Now Colony Brands trying to bully me into paying a debt I do not owe by placing inaccurate information on my credit report at all credit bureaus. 
The charges are fraudulent and are an inside job with their companies with the burden of payments on the victim. I am on a Social Security Fixed income and can not /will not pay for anything I did not order.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today i received phone call from Rush Curtis & Associates collection company about my medical bill, which is I went to XXXX XXXX XXXX room on XX/XX/2020. At that time I didn't have health insurance and i left all my information SSN, DL, home address. Few days later i talked several times person who helping financial advise for patient, but she told me that XXXX XXXX XXXX will send my bill. Since XX/XX/2020 I haven't received any mail through my mailing address. Until today 's phone call from debt collection company, I didn't know about this medical bill that already sent to the collection company. 
This was the first time, the collection company called me about medical bill ( I didn't receive any email, mail and phone call before these phone calls ). The collection company said that If I don't pay {$8000.00} medical bill today, they are gon na report to the my credit history. I am wondering that why they didn't let me know anything until today and suddenly they are threatening me to pay {$8000.00} bill. 
After the phone call, I found out that my address was wrong. I already provided right address and right information. If I received my medical bill through my right mail address, I obviously pay {$8000.00} before it went to the collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wallet was stolen on XX/XX/22 - XX/XX/22 my debt cards and identification cards were in there.That week my debt cards showed withdrawals of XXXX $ and also there was a fraudulent check being deposited in to my bank for XXXX $ from a branch from some random name I didnt recognize, with transactions from a gas station. I reported this to my bank and made a police report. One of my banks approved ( XXXX XXXX bank ) and the other bank ( Wells Fargo ) declined me for around XXXX $ for the reason of unpressurized information?. Which also charged me the fees. I called back and they explained that this were separate claims and can not be in the same claim so it would not allow me to have a successful claim. Police

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 monetary relief
Consumer complaint received 2019-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I had a mortgage loan with XXXX XXXX XXXX XXXX. It was paid in full. Its still on my credit report as not paid. I cant get it off. Loan # 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 2021-10-07
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company is Wells Fargo. Wells Fargo created two accounts using my SS number as an EIN. Then on XX/XX/2021, XX/XX/2021, and XX/XX/2021, Wells Fargo debited my mortgage escrow account {$650.00} ( 3 times ) to send payment for a hazard insurance premium due to XXXX XXXX. XXXX XXXX contacted me that payment had not been received, and that the policy would terminate. The policy terminated and was renewed after one payment was received. Wells Fargo had stopped payment on 2 of the 3 checks. Only one ( 1 ) credit escrow account has been received or only one of the two stop-payment checks. They will not remove the inaccurate account they created using my SSN as an EIN. I can not use on-line banking because of this. Wells Fargo states that XXXX XXXX should refund the credit.

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 2019-12-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been with Wells Fargo for over 11 years. During this past year I encountered a lot of difficulties. At times Wells Fargo held on a check causing me to have my rent check bounce and then costing me additional money to pay my landlord. Recently while I was on unemployment, Wells Fargo adjusted the charges on my account and it led to me having more overdrafts, totaling over {$1000.00} in under 1.5 months and over {$2000.00} for the year. Other times I put in money and was told I put the money in too late and was assessed overdraft fees despite my account being in the positive before the system worked. I recently asked to get some of the overdrafts waived but within an hour half the overdrafts reappeared making it harder for me to catch up. Afterwards, I was told to go to a branch and ask a branch manager for more help. Due to the situation, I am unable to pay rent for the next month and am at the risk of being evicted from my apartment.

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 2021-02-19
Company: Paypal Holdings, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
someone used all my information two purchase two XXXX XXXX tickets. two tickets in XXXX XXXX XXXX and they are asking to pay back something i never authorized i provided a police report to this company i have provided a notarized affidavit this was identity theft i have provided a identify report, yet they want me to pay for something i never did and they continue to call me and send me letters about debt thats not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: FC HoldCo LLC
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 contacted the credit company advising of the information reporting on my credit report this issue has been going on since 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 2019-12-04
Company: BB&T CORPORATION
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 contacted the credit company advising of the information reporting on my credit report this issue has been going on since 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 2019-04-25
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The private loans have co-signers on the account. Navient continues to give inconsistent information to both myself and the co-signer. They are not being helpful with payment arrangements that are fitting for my budget. In 2018, I was enrolled in a program to become a XXXX  and I was working as a XXXX. Late payments and missed payments were still reported. I was XXXX  in a XXXX XXXX XXXX   as well and did not receive any information regarding forbearance, deferring nor possible forgiveness. These loans were given to us and the terms and conditions were not clearly explained nor understood.

Company response to consumer: Closed with explanation