BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-10
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I called Wells Fargo on Monday XX/XX/XXXX to ask if my ex-husband could be removed from my credit card. The customer service representative said because I was the primary card holder and he was the secondary card holder I could have him removed. The customer service representative said I would just need to call the same phone number back and it could be done via telephone. 

On XX/XX/XXXX, based on the information I received, I entered into a written agreement with my ex-husband to remove his name from the credit card and be solely responsible for the debt. This agreement was following the judgement of divorce. 

On XX/XX/XXXX, I called the same customer service phone number back ( spoke to XXXX ) and asked for my ex-husband to be removed. I  was told he could not be removed. I explained that I had just called on Monday and was told he could. She apologized for the incorrect information I received but said it couldnt be done. I told her I entered into a contract with my ex-husband based on the information I received and this is unacceptable. 

XXXX transferred me to the Executive Office to voice my complaint. I spoke with XXXX who said she would assign me a case and case manager and they would review Mondays phone call, their options and get back to me within one business day. 

On XX/XX/XXXX, the Case Manager, XXXX, called from the Executive Office and said she was worry I received incorrect information but there was nothing they could do because it is against their policy to remove secondary card holders. I, again, explained the hat I entered into a contract with my ex-husband to assume that debt by removing him from the account and I was now bound to that. She told me there was nothing they could do. I asked if the call was reviewed and she essentially said no but would let the customer service manager know there could be a training concern. 

While I understand mistakes are made, it is completely unacceptable to provide blatant incorrect information that caused me to enter into a contract that I can no longer uphold. My ex-husband has said he will take me back to court/sue me for not following through on this agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify this claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, o

r both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to mXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2008 Balance : {$7100.00}.

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 2019-09-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
- I opened a XXXX XXXX USAA Secured Credit Card. 
- account was closed due to non payment and has harmed my credit. 
- the charges on the account where due to unauthorized charges and I was not receiving statements so could not notice the charges quickly. 
- I was refunded for the unauthorized amount but my account remained closed and still reported negatively.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-10
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo forced me into a bad loan modification where they extended my mortgage term to 40 years. I will be about XXXX years old by the time I pay it off. I've complained to them over and over and they keep giving me the run around. Recently, they sold my mortgage to XXXX. Wells Fargo, however, is still responsible for the terms I'm now under. I have sent several letters to them and will attached the most recent letter here. This letter is my response to the last letter they sent me. On the back of it is their explanation of what they did. Essentially they state that " You signed it, here is the proof '' and never address the underlying issues that caused this mess.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
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:
On XXXX XXXX, 2020, I initiated a dispute to the 3 main credit reporting bureaus, Transunion, XXXX, and XXXX  for a bankruptcy reporting inaccurately. The FCRA requires that all information reporting on a consumer report to be 100 % accurate. It is now XX/XX/XXXX, and I have disputed this issue 3 times since and they have not provided the information to determine how they verified the negative reporting.

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 2023-06-16
Company: ENOVA INTERNATIONAL, INC.
State: AR
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:
Delete ASAP. I have not supplied proof under the doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX ( MO } XXXX, I may presume that no proof of the alleged debt nor any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 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 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 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 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 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 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

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 2021-08-09
Company: Experian Information Solutions Inc.
State: PA
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:
Good afternoon, I have summitted three complaints and disputes to Experian informing them of incorrect inaccurate credit reporting to them on the following dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have forwarded them previous XXXX XXXX credit report highlighting the discrepancy of Date of Last Activity, ( DOLA ) with XXXX  is XX/XX/XXXX and Experian reported XX/XX/XXXX. XXXX  reported correct reporting in terms of Date of Last Payment on XX/XX/XXXX ( DOLP ), Date of Last Reporting and Date of Last Activity, ( DOLA ) as XX/XX/XXXX. However, Experian reported no last payment on record and their last Date of Activity was XX/XX/XXXX. I thought that the creditor reports the same information to Experian and XXXX. I even contacted XXXX / XXXX XXXX XXXX and obtained copies for the disparities of reporting between XXXX  and Experian. Experian did not carry out a proper investigation and provided copies for the same individual who carried out credit dispute. I am requesting this negative and inaccurate account to be removed from my Experian Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
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: Account information incorrect

Complaint:
Disputed late payment with Experian came back as verified, original creditor sent letter they are removing late payment. Please assist

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 2018-05-17
Company: SYNCHRONY FINANCIAL
State: OH
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:
Yes I've always been on time with my Walmart credit card. But i lost my mom. And going thru hardship. Was mom 's caregiver for 5years now. Si going thru moms bills and stuff plus my own bills. Hoping too get payment waived for this bill comming up. Just trying too catch up on bills not easy.

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 2017-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
At Bank of America with them for over 20 years. I was expanding my business so I opened a account changed from a sole prop to LLC on XX/XX/XXXX on the XX/XX/XXXX a XXXX XXXX to a XXXX XXXX for XXXX. I new nothing about the account was unused at that time I receive a overdraft notice so I added more money when I noticed it was coming out I put a stop payment on XX/XX/XXXX though it was stopped it started right back up. I stopped it again and received a stolen money letter from the bank manager. Then the XXXX XXXX  just drained it all. Come to find out it was a wire with I have a special wire account for that. All the while calling the ph number associated with the account dead number I ask them to help with the faxing and helping me get the money back the sent it to the ACH dept not the fraud dept the gave me a number to call I did A senior at B of A said the bank it was wired to XXXX XXXX on easy cost was empty and they we not gon na give it back. All in total  {$3500.00} dollars and the loss of my business this was Fdic secure money and they just let it get stolen i made a police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
{$570.00} was paid to GM Financial to avoid repossession. Due XX/XX/13 and was paid XX/XX/13 car repossessed same night.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: EQUIFAX, INC.
State: NC
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: Problem getting your free annual credit report

Complaint:
Every since XX/XX/2019, I have been writing and sending my personal information to Equifax & XXXX XXXX to receive my free credit reports as date I javent received any of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX wakefield and associates date again XX/XX/2021 debt XXXX. Phone XXXX : bride code g, address XXXX XXXX XXXX XXXX Tn XXXX collection. I had another problem with this same company last month XX/XX/2021 I reported to your company about different amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/30 I contacted Convergent Outsourcing to resolve the debt I have with them. The agent informed me that my debt with them was inactive he was not able to access anymore information about my account. I questioned how could you not have any information about my account but report negative on my credit report. The agent transferred to XXXX, XXXX stated that there is nothing they can do because the debt was purchased by Convergent. This company who states that my debt with them is inactive has been reporting on my credit for the past 6 months.

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 2023-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance  : {$0.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
Describe what happened I Just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the list of accounts below are not accurate. The open date, date last active, and date of last payments is NOT 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shopping for a XXXX during XXXX 2018 and went to XXXX XXXX to see pricing they ran my credit and I decide not to accept their offer. I left their store and almost 6-8 months later and have a collection on my credit. Never accepted. It looks like XXXX XXXX used my information. I went to the store in XXXX Ca.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to 15 usc 1692a ( 3 ) ( 4 ), MEDICAL REVENUE SERVICES is aware that they are in violation of the FDCPA. MEDICAL REVENUE SERVICES has violated the consumer rights by sending the consumer deceptive forms to make it seem as if the consumer owes any allege debts with this company. MEDICAL REVENUE SERVICES is in violation of 15 USC 1692b ( 3 ) ( 4 ) by stating that they received my address from the original creditor when I, the consumer and original creditor did not give MEDICAL REVENUE SERVICES any data for them to contact me for an allege debt. MEDICAL REVENUE SERVICES failed to show where the consumer gave CONSENT for the company to contact the consumer. MEDICAL REVENUE SERVICES violated 15 USC 1692B ( 5 ) by using the phrase This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector MEDICAL REVENUE SERVICES assumed that I owe a debt when the FEDERAL LAW clearly states that a creditor, which is me, can not own an allege debt without any preponderance evidence. MEDICAL REVENUE SERVICES violated 15 usc 1692e ( 2 ) by reporting a false and misleading amount, according to the violation, there is no amount owed that can be in a positive amount. MEDICAL REVENUE SERVICES has seven ( 7 ) days to delete the false and misleading data or I, the consumer will be forced to place MEDICAL REVENUE SERVICES in FEDERAL COURT to demand monetary relief for all the violations and false credit reporting that is shown as PROOF on all three credit reporting agencies.

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 2019-06-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
After numerous attempts to get verification of these fraudulent accounts from Experian, I have received no verification. These are the fraudulent accounts as follows : XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. As of date I still havent had these fraudulent accounts reviewed and verified by Experian.

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