BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-03
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I signed up for Identity Theft Protection with my bank, Wells Fargo, in XX/XX/XXXX. I was told I would be charged an annual fee of {$12.00} for Quarterly credit reports. 
Just recently I had a XXXX balance when this charge for XXXX came through from XXXX, listed as XXXX with a string of information. I had never noticed this payment before. I called Wells Fargo ( WF ) and asked what that was, they said XXXX had been charging me monthly for the last 5 months. I requested a stop-payment and my money back, looked up the company and learned there was a class action lawsuit for this company doing the exact same thing to many, many people. WF opened a case. WF later called me back and said that I had in fact been charged monthly since XX/XX/XXXX. I was charged twice in that first month. I was willing to pay the annual fee, and wanted to dispute the remaining 11 per year x 7 plus 1 for the first month, and two for XX/XX/XXXX. So, XXXX x 80 payments. I called WF to ask for a status update and they said they had refunded me {$50.00}, but that the case was still open as these things can take up to 18 months to close. I then received a letter telling me to consider the case closed, and to pay closer attention to my statements. Please help!

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 2020-08-31
Company: EQUIFAX, INC.
State: OH
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:
This is the second dispute attempt to have these miscellaneous accounts removed from my credit report. These accounts were never verified according to the FCRA guidelines 623 & 611. I intend to pursue litigation in accordance with the FCRA, to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 ; if the UNVERIFIED items listed below are not deleted immediately. Please remove the following accounts : XXXX XXXX XXXX OHIO Docket # 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 These accounts are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
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:
XXXX XXXX IS TRYING TO COLLECT FROM HSBC, A DEBT OVER 11 YEARS AGO WHICH WAS DISCHARGED. 
THEY SHOULD NOT BE ALLOWED TO HARASS ME AS I AM XXXX, WAS ON MEDICAL, MEDICARE, AND HAVE NO INCOME WHATSOEVER. 
THE STATUTE OF LIMITATIONS APPLIES TO DEBT IN THIS CATEGORY In California the statute of limitations period on debts is 4 years ; Debts that have lingered longer than the statutes allow are often referred to as " time-barred debts. '' I WANT THEM TO BE TOLD TO STOP TRYING TO COLLECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX FAILED TO REMOVE ALL HARD INQUIRIES FROM TRANSUNION AS PROMISED. THE INQUIRY WAS INVALID BECAUSE OF FRAUD ALERT.

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 2020-05-15
Company: AES/PHEAA
State: AZ
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:
Fedloan Serv is improperly reporting 90 days in XX/XX/XXXX late on my credit report for 12 different loans. I received a forbearance on all loans with Fedloan Serv between XX/XX/XXXX and XX/XX/XXXX ( the " forbearance '' ). As a result, no payments were required during the forbearance period, which is documented by a correspondence from Fedloan Serv and attached hereto. I submitted a dispute with XXXX  in XX/XX/XXXX but the dispute was denied in XX/XX/XXXX. I contacted XXXX  on XX/XX/XXXX and they told me the reporting is valid and they can not remove the late payment history, despite me offering to provide Fedloan Serv 's correspondence approving a forbearance. As a result of the negligent actions of Fedloan Serv and XXXX, my credit score is extremely damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My name is XXXX XXXX. I am currently a XXXX at XXXX XXXX College. I recently reviewed my credit report and was surprised to see that I had missed payments on my private and federal student loans. After doing some investigation, I realize that I completed both of my classes with a passing grade in the fall semester ( 2017 ) and this triggered my credit report on ( XX/XX/XXXX& XX/XX/XXXXof 2017 as missed payments ) and trigger an automatic repayment schedule. My loans should of been in in school deferment status after the fall semester ( 2017 ). I also sent out a letter to Navient directly and I haven't gotten a response back yet. it been about a few weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, Credence Resource Manage showed up on my credit report. Once I looked at the company it showed a debt for XXXX XXXX that I had opened on XX/XX/2020. I have no knowledge of me opening any account especially if its cell phone or internet related since I already have those connected and I have never been late. On XX/XX/2020 I have disputed the false debt through the credit bureaus but it still shows on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31
Company: Bepensa Capital, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
In XX/XX/2019 I co signed for my daughter to obtain a car loan. The dealership put my name first and I requested it to be fixed-it wasn't. Fast forward a few months, I declared bankruptcy and included my daughter 's vehicle loan after consulting with my attorney. 

Credito Real would call me if my daughter was late on her payments. I advised them I filed bankruptcy and they were not to contact me. I blocked the numbers they called from. For over a year, the have repeatedly contacted me on my cell, even at work AND reached out to 2 of my friends! Repeatedly I have stopped them as soon as they get on the phone and tell them to read their notes as they are violating federal laws. 

The calls still continue as soon as my daughter is 24 hours late on a payment. They use so many numbers to call from and I continue to block them after I realize it's them. 

I have advised them as well they are to NEVER call my place of employment-they don't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX XXXX  and 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 2020-05-21
Company: Financial Business and Consumer Solutions.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call a few weeks ago concerning a debt owed to XXXX XXXXXXXX XXXX for XXXX XXXX XXXX XXXX. I am not familiar with nor have O ever heard of either one of these entities. I asked the representative to send me something in writing. The correspondence that I received states that I owe {$4900.00}. I have no knowledge of this debt and have never heard of XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. 
There is a further reference about a XXXX XXXX XXXX, I don't know of them either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Around XX/XX/2019 I made house payment by mistake twice once on Wells Fargo mobile and i forgot and accidentally while paying other bills made one on XXXX XXXX XXXX mobile which I use for other bills which I have used to make mortgage payments sometimes to which one I can remember password to first to which usually forget the well Fargo so I will use XXXX XXXX XXXX mobile for. I became aware on XX/XX/XXXX or XXXX the and called XXXX XXXX XXXX to stop payment and then I called wells fargo they assured me it would be stopped I was XXXX overdrawn in my account. So from this we know this was a mistake. I have NEVER OVERDRAWN MY ACCOUNT ON PURPOSE. So I called back with then both on phone they played verbal gymnastics while I'm crying to the top of my lungs. I was taking my daughter to college the next day and counted on that XXXX dollars I had to buy stuff she needed that I now couldn't buy. The wells fargo rep was heartless and this has hurt my family financially. I want my money returned by tomorrow morning to my account and I want damages they have caused me imposed by XXXX XXXX XXXX at XXXX per transaction for returned transactions. I called both of them as soon I as became aware of mistake. I dont carry my phone around all day so I wouldn't become aware until I 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 2020-10-15
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am a long time customer of Key Bank and have always had my savings linked to my overdraft protection. The manager of the branch kept telling me I needed a card but I never authorized or activated it.

They sent me a card and I still have it never activated as I have {$100000.00} in my savings which has been linked to my account for 25 years.
In XX/XX/XXXX,

the bank without my permission or authority activated the card and disconnected the link between my savings and checking account. I only found out by the at least 5 phone calls a day I receive every day from the banks collection department. The branch manager where this error occurred refuses to address the inappropriate phone calls even though the bank error is under a bank internal investigation. The banks error is causing chaos with my good credit rating and the phone calls are bordering on harassment as no one at bank will take responsibility. I have over {$300000.00} in Key Bank and this was their error. No customer service skills. I am concerned that others have experienced the same problem a
s the issue seems systemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: EQUIFAX, INC.
State: KY
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 XXXX [ CreditorName : XXXX XXXX  Account # : XXXX ] reports 3 different dates under date of last activity even after their verification, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, Equifax XX/XX/XXXX.How is this account accurate when date of last activity shows 3 different dates? which is years apart from each other? I notified that I have never made payments for all the months of the year XXXX and I have have requested for the documentation that prove that my last payment was made on XX/XX/XXXX. But you have never furnished any bank records and transaction documentation due to the fact that you are required to have this documentation to determine accuracy of your report. You are in violation of FCRA by continuing to report this inaccurate and erroneous account on my credit report. Remove this account for failure to perform proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of this year, I spoke with a representative of XXXX XXXX XXXX XXXX XXXX by telephone and made arrangements to pay of one of my creditors in 'full '. This representative was to send me an agreement to the settled amount. After several attempts to contact this individual, I contacted the company directly. The company gave the representative the complaint, and the representative continued to 'bully ' me and send me emails with boxes at the end of the email where I was to 'check ' a response. I again contacted the company. My complaint was given to another representative. This representative at first seemed sincere, and stated he would send me the requested documentation asap. Then he put boxes at the end of his email for me to check a response. I have yet to receive any information and the last contact was made on XX/XX/2018. 

This company has a negative rating with the XXXX XXXX XXXX. 

I am contacting your firm as this company is abusive, condescending, and makes promises that are not kept. 

I have attached copies of correspondence sent and received by this company. 

Please assist me in obtaining the requested documentation.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2019-08-15
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX, XXXX and 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
Consumer complaint received 2019-08-15
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: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : 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 2017-12-23
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have contacted XXXX numerous times requesting detailed information regarding which qualifying payments I have made towards the XXXX XXXX XXXX XXXX program. I have only been given the total number of months that have counted, and many months that should have counted are missing, therefore I requested a detailed report on which months had qualifying payments. I first requested this information on XXXX/XXXX/XXXX and was told it could take up to 30 days. I called on XXXX/XXXX/XXXX to follow up, and was told by the customer representative it would take a minimum of 90 days. I asked to get this in writing and she could not, but connected me to the supervisor. I requested the same form from him and he said it could take at least 6 months for payment tracking. I called XXXX/XXXX/XXXX to follow up on the request, and asked if I could get a written report of what actions had been taken as a result of my inquiries to get this detailed report for me, however I was told I could not receive that information. The representative did tell me that a request on XXXX XXXX, XXXX was placed, however that request should have been processed within 60 days. 

Currently I am told I have XXXX to XXXX qualifying payments, however I estimate I should have at least XXXX payments qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: CO
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 am submitting this complaint on my own behalf without the help of anyone/anything other than publicly available laws. I authorize Equifax to comply with my demands. 1. Notice, it is a fact, that I submitted an identity theft report to Equifax, the receipt of which Equifax confirmed on XX/XX/2021 at XXXX mountain time. ( See Exhibit ).

2. Notice, it is a fact, 15 U.S. Code 1681c- 2 states : except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft not later than 4 business days after as information that resulted from alleged identity theft not later than 4 business days after the date of receipt by such agency of a copy of an identity theft report.

3. Notice, it is a fact, as of this date and time on XX/XX/2021 at XXXX mountain time, Equifax has not complied with the block. 4. Notice, it is a fact, at this point in time, Equifax has been in possession of the Consumer demand to block information resulting from identity theft for 16 calendar days.

5. Notice, it is a fact, Equifax is in violation of 15 U.S. Code 1681c-2.

6. Notice, it is a fact, 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) states : Any person who willfully fails to comply with any requirement under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure.

7. Notice, it is a fact, Equifax has not responded to my Declaration of Truth, dated XX/XX/2021. 
8. Notice, it is a fact, Equifax has not complied with demands in my Notice of Cease and Desist regarding violations of the congressional declaration of permissible purpose dated XX/XX/2021. 
9. Notice, it is a fact, Equifax is violating conditions of my cease and desist by reporting information to be excluded pursuant to 15 U.S. Code 1681a ( d ) ( 2 ).

10. Notice, it is a fact, Equifax is willfully noncompliant with federal regulations regarding a valid identity theft report as defined in 15 U.S. Code 1681a ( q ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FOR I AM NOT LIABLE FOR THOSE 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