BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-19
Company: WELLS FARGO & COMPANY
State: TN
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 am a victim of identity theft since XX/XX/2019 My first email was hacked and all online banking and business home network taken over. All of my personal and business information stolen and used with out my authorization. I have had to shut down every bank account credit card account due to fraud on every account. I have yet to get my money back and yet Wellsfargo bank is still trying to collect moneys from the fraud I never made. It is hurting my credit and its not fair. I have made police reports, FTC reports & cyber crime report and mailed documents to wellsfargo. I have tried disputing off my credit report and yet its still there. I dont know what else to do?

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 2020-08-23
Company: FISERV INC.
State: PA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 I made a order from XXXX for a XXXX laptop for {$1100.00}. 
It was supposed to arrive on the XX/XX/XXXX But I never received it I made a report with XXXX they said they would send me replacement but the replacement never came. I then proceeded to contact they and was to told to contact my bank because they couldnt help me. Then I contacted my bank which is my payroll Im not very bank savvy so I just use my payroll card ( XX/XX/XXXX Money network ) they kept closing my claim saying I didnt have Sufficient evidence so I mail them a paper they had me fill out. And then receive a letter saying that my claim has been denied so Ive lost my {$1100.00}.

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 2020-06-04
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
i applied for unemployment with new york state and the state gave me a choice of direct deposit or debit card. i choose direct deposit but never the less he web site decided that in an illegal way to steer me towards KEY BANK debit card which i did not want and now that it has my funds i can not contact them or get a debit card to use my money issued by new york state nor can i contact them and new york state seems to indifferent to my problem please help me get my money from KEY BANK or promt new york state to reissue my monies direct to my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX new york XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX XXXX I sent certified mail to the following Credit Bureau Transunion, XXXX and XXXX. I sent a letter requesting that they investigate three negative items on my account and requested that they be deleted because the information was not correct and I did not owe the companies who added this to my credit report. 
The accounts that was falsely reported : XXXX XXXX XXXX XXXXXXXX with a balance of XXXX open XX/XX/18. ( false reporting ) XXXX XXXX XXXX of AZ the amount XXXX *XXXX XXXXXXXX XXXX XXXX . 

I have made several attempts to contact these companies to no avail so I reached out to the credit bureaus for final assistance in removing these items. 

It has been well past the 40 days and I have not received any updates concerning my request or letters sent in to validate, investigate and remove the accounts. 

No response from either of the credit bureaus is in direct violation of the fair credit reporting association. 
please help me in resolving this issue. I am asking them to remove the items since I have received nothing validating these accounts that are falsely reporting on my account. 

I am attaching proof of my certified numbers attached to the mail I paid for and sent to the credit bureaus

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 2021-05-04
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Equifax keeps changing the " Date Reported '' on all of my old ( paid-in full ) closed accounts. Equifax has been doing this for years. I filed a complaint with them in 2017 and they didn't fix the problem then and they are still doing it. I just viewed my current credit report and they changed the " Date Reported '' again on all of my old ( paid-in full ) closed accounts. They changed the " Date Reported '' to XX/XX/2017 even though these accounts have been paid-in full and closed for 16 years. These accounts were closed 14-16 years ago then there should not be any activity / reporting for any of these old ( paid-in full ) closed accounts. These accounts should not be listed on my credit report since they are over 10 years old since they were closed. Equifax keeps changing the " Date Reported '' because it keeps these accounts listed on my credit report. They are being deceptive by changing the " Date Reported '' on old closed accounts in order to keep them listed on my credit report. Equifax has refused to fix this issue for the past 4 years and they continue to change dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: EQUIFAX, 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 am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their ivestigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP as this very exhausting. Nobody wants to grant me a load because of this. XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: EQUIFAX, INC.
State: AZ
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:
My XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX credit card # : XXXX, and XXXX XXXX credit card # : XXXX is lost/stolen. All of the transactions on the accounts are all fraudulent and unauthorized. I have never used my XXXX XXXX, XXXX XXXX XXXX XXXX or XXXX XXXX credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a Capitol One QuickSilver Credit Card where I make a XXXX $ minimum payment. I lost my mother in late XXXX to XXXX XXXX. After she passed I went through so much financial hardship and was late on a few payments with a few companies ( including this one ) the year of XXXX. In this specific case I was late on XX/XX/XXXX. I tried to set up a new payment plan to get me back on track, but the servicer wont negotiate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12
Company: Search ROI, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
This company sent me an email stating that I had applied for a loan through them, and that my application was complete according to the subject line in the email. This company pretended that I had applied for a loan from them even though I have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Duplicate reporting of various student loans. I am currently paying my student loans to XXXX yet information that I am not aware of or familiar with the amounts listed yet showing up multiple times my credit report. 

Bureau Name XXXX XXXX Original Loan Amount {$5000.00} {$6000.00} {$3500.00} {$9700.00} {$4500.00} Bureau Name XXXX XXXX XXXX XXXX - These items need to be removed from the credit report Original Loan Amount {$8500.00} {$7600.00} {$5100.00} {$5200.00} {$6200.00} {$4100.00}

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 2021-05-04
Company: Exeter Finance Corp.
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: Reporting company used your report improperly

Complaint:
Violation of FCRA Sec 604. Improper use of my credit report without my authorization. This company is reporting a fraudulent hard credit inquiry on my credit report. This is a violation of the FCRA Sec 604

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Dobberstein Law Firm, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A company by the name of Dobberstein Law Firm is reporting a debt that I never applied for. Ive never done business with this company nor any of its affiliates. They have a small claims case filed against me that are in current precedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Navient Solutions Inc. is claiming that my son ( the student ) co-signed for the Sallie Mae private parent plus loan which he did not. I have requested a copy of all documents pertaining to loan # XXXX and have not received any documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) and University Accounting Service ( UAS ) misreported and kept my credit score at a low, causing me to enter into several deals with a higher-than-deserved interest rate for the last two years. Currently, this misreported score is keeping me from using my VA Home Loan to buy a house at a fair interest rate. 

From XX/XX/XXXX to XX/XX/XXXX, I attended XXXX to complete an XXXX ( XXXX XXXX XXXX ) studies. In XXXX, I took a private student loan from XXXX, who assigned it account number XXXX. I did not make payments towards the loan in XXXX, so XXXX sent the account to a collections agency, UAS, who kept the account number as XXXX. On XX/XX/XXXX, XXXX and/or UAS reported the delinquency to XXXX 

On or about XX/XX/XXXX, I entered into a repayment plan with UAS,  agreeing to pay {$55.00} per month on the loan. Neither XXXX nor UAS reported this agreement to XXXX 

A few months after entering into the repayment agreement, UAS changed their accounting system/software, which involved reassigning my account number from XXXX to account number XXXX. XXXX and/or UAS reported to XXXX that I had two delinquent accounts. 

On XX/XX/XXXX, after learning of the misreported information, I contacted both XXXX and UAS. They have informed me that they would " fix '' the situation. XXXX and/or UAS reported to XXXX that I had entered into an agreement, but failed to inform that I have not been delinquent in payments during the last two years and a half. 

Now, I have 15 days to close a deal on a house through VA and I will be obliged to enter into a mortgage agreement with a higher-than-deserved interest rate because of the misreporting by XXXX and/or UAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Step 1 : What is this complaint about? 

Unable to freeze my credit : Trans Union and XXXX  Step 2 : What type of problem are you having? 

Trans Union and XXXX both sent me in loops, with no ability to freeze credit. I was offered several times to buy into XXXX XXXX or XXXX XXXX services. 

Step 3 : What happened? 

I wasted over an hour attempting to get my credit frozen. Overseas reps and third party vendors were only interested in the sale, then they transferred me. I confirmed my SS # reluctantly SIX times. 

Step 4 : What company is this complaint about? 

Trans Union and XXXX Step 5 : Who are the people involved?

15 nameless individuals who could probably never be found. Trans Union and XXXX  know that locking or freezing ones credit isn't part of their profit model, so why make it easy if they're not being regulated to do so or even monitored.

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 2018-04-24
Company: Experian Information Solutions Inc.
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:
These companies pulled my personal information without my permission. I have tried resolving with the companies and the companies would not delete their information off of my credit report. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX LISTED TWICE NOWXXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2021-03-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. It has been well over 60 days and I have not received a response yet.I feel like I am being blatantly ignored by the bureau. Section 611 ( a ) of the FCRA says that a failure to investigate these items within 30 days is a sufficient reason to remove to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted immediately. I demand that these accounts be deleted or I will file for litigation due to the emotional stress you have caused. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My account was disabled with Navient.
After calling in I was told not to worry my loan was paid in full in XX/XX/XXXX.
In XX/XX/XXXX I realize they are still withdrawing payments from my bank account.
I ask them to please stop several times. I try to log back into my account but it still says account disabled.
It 's ridiculous that an organization like Navient, who I have given tens of thousands of dollars to continues to take from my account when there is no debt to be paid back.
It feels like they are intentionally setting people up for things like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was a happy American Express customer for 20 years. When I cancelled my card, there must have been a charge ( maybe XXXX XXXX ) in between my final payment and the closing of the account. Frankly, I'm not sure exactly what happened. All I know is I got no mail from them for a while, and then got bills with accumulating fees and interest. I told them repeatedly that I was happy to pay the underlying amount, as I had done forever. I'm not looking to take their money, but I had no idea about the bill and was challenging the interest and penalties. They kept charging it, even after they sent it to a collection agency and refused to talk to me about the charges. The debt collection agency said that they couldn't discuss the charges, but noted that I was challenging them. AmEx still continued to rack up the interest and penalties, month by month into the $ XXXX range for an original charge that I think was well below {$200.00}, I'd guess {$100.00} ( I still don't know! ) .They have attacked my credit score, which had been very good because I pay my bills. What is my next step? I can't even get them to talk to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The credit bureaus are still reporting inaccurate accounts on my credit report after I properly disputed the accounts. 

TransUnion said the sole the issue, but didnt say how or provide me with no proof and that illegal. So the company is illegal reporting accounts on my credit. 

XXXX  never even notified me of the status of my disputes, which is also illegal. 

Im attaching the letters I sent to them containing the inaccurate accounts.

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 2018-04-25
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company repeatedly calls regarding an unknown debt. Refuses to provide any basic information without me providing my personal information. Resorts to pushy tactics to try and get me to provide personal information. When attempting to provide mailing address for communications, company indicated it would not speak to me without me providing my personal information ( birthday, etc ). They indicated I should have received a letter but no such letter was received. Company is trying to collect a debt I do not know about and do not have. 

The phone number calling is XXXX and listed as XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation