BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: WELLS FARGO & COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
WF CRD SVC WF CRD SVC, CREDIT BUREAU DISPUTE RESOLUTI, XXXX XXXX, IA XXXX I called Wells Fargo dispute office early week of XX/XX/XXXX and even 30 days ago and they asked for my information. And they said my birthdate is wrong. 
I told them that then it isn't mine. And they won't remove their hard inquiry and old revolving account from my credit report. 

They put " charged-off '' and they won't tell me who the collection agency bought this account. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Collection Agency would call me or send me a letter to let me know what I owe ... or just be on my credit report a long time until I can see it on there. 

You can ask the credit bureaus that I paid off all of my collection agencies. It is sad that Wells Fargo is treating me like this. 

They know that most people don't look at their credit report. 

They said that they will submit it to fraud department. 
I asked them what address is on the application, they said my current address is on there. I told them that I never applied for a card in Mississippi in XXXX. 

They said that they will send me the application and other stuff for validation ... and they never did mail them to me. 

I disputed with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX and I do not know who they are. They never responded to me, it has been over 30 days. Their trade name XXXX and XXXX XXXX, I have never borrow money from them or applied to them. 

I disputed this on XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX and they didn't respond to me at all. I asked them to remove themselves off of my credit report. Since they didn't send me any validation. 

I disputed this on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, ND XXXX and I have not heard from them either. They didn't send me any validation. I don't remember them. 

I attached document of transcript conversation between me and Wells Fargo ... using TTY.

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 2019-04-19
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RE : Sun Trust Mortgage Loan # XXXX Loss Draft Dept. XXXX ATTN : XXXX XXXX. Box XXXX XXXX, VA XXXX My house burned down in XXXX XXXX in California XX/XX/XXXX. At the time we had a mortgage principal with Sun Trust Mortgage Co. of {$200000.00}. They withheld this amount, which I understand and have no problem with. 

According to the mortgage companies own written policies they return {$40000.00} or 20 % of principal balance when reconstruction begins, 50 % of remaining balance when half way through construction and the last 50 % when construction is complete. So far no problem. 

We started reconstruction in XX/XX/XXXX at which time I requested that they release the first {$40000.00} in compliance with their own policies. It is now mid XXXX and I have called them 12 times to follow up on when they would be releasing the funds. Every time I call I am told they need more documents which were never mentioned previously, I dutifully send to them. 

They frequently say they do have all the documents and I will receive a check within 3 to 5 business days. Nothing happens, I call back and now they need more documents that were never previously mentioned. 

They never contact me to tell me they still need more items that they never mentioned previously. I wait a couple of weeks to give them time to send the money then I call back and am told again that they need something else. Every time I call it results is about an hour or more of my time when they put me on hold, consult with other people, get cut off and have to try to contact person I was talking to again. Not possible. Of course, they never call me back even though they repeatedly confirm my phone number. I have spent hours on this effort. 

On XX/XX/XXXX my attorney sent them a letter to no avail. 

This company is inept and poorly managed. The people on the phone are always very polite and seem to be trying to help but never successful. I can only conclude that management doesn't care enough to staff and train personnel or they are deliberately trying to stonewall refunding my money. 

The thing I fear most is when we need to make the final payment to the XXXX and we get this run around trying to have the final funds released. The XXXX shouldn't have to wait for his money but we will have used up all the money we had and be down to the last {$80000.00} which is at Sun Trust.

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 2023-03-16
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I got an offer from Wells Fargo for a {$300.00} bonus for opening a checking account and meeting certain requirements with a XXXX XXXX XXXX. 

I opened the account online using the website wellsfargo.com/XXXX which was specified. However, they did not prompt me for the Promo Code and instead applied a different promo Code XXXX. 

I completed the process, and downloaded the BONUS DISCLOSURE ( see attached ), but nowhere on the 2 page document does it mention the amount of {$300.00} as the bonus I will get if I meet all the requirements. 

I went to a branch, and was told I need to call their toll free number since account was opened online. 

I just finished the phone call, and the person would not send me an email confirming that the amount of bonus I will get is as {$300.00}. She said I will know it when I get it, which is four months away. Given Wells Fargo previous frauds, how can we consumers trust them to do so, when they refuse to put the bonus amount in writing.

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 2021-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: EQUIFAX, 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:
XXXX XXXX Has a accounts on my credit report that should not be there. 


Account Number XXXX Account Type Installment Loan Terms 120 Months Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a collection account, insurance claim or government claim or was terminated for default Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, MA XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$3500.00} Comments - Payment History XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2022-12-13
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: Their investigation did not fix an error on your report

Complaint:
I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the inaccurate information from these accounts : XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: DISCOVER BANK
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase in XX/XX/2021 for {$350.00} for vitamins. I received an empty envelope. I contacted my discover card and filed a dispute. They have taken the charge off and on since then I had text and proof of my purchase and photos of empty package. I did not buy web design as the vendor stated. I backed up my claim and discover received my backup. On XX/XX/XXXX they put the charge back on my card without telling me in writing or phone. I still have no letter or proof of vendors claim which is the law and no letter stating I can appeal I have called discover 3 times but they just stalled. I spoke to XXXX in exec office at discover. She never called back as promised. She finally said they sided for the vendor. I said you are taking his word over mine and they said he is a client too. Thats strange since Im the one missing {$350.00}. 
I am attaching backup of texts and my empty envelope and my emails claiming nothing was in the envelope.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-11
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: Was not notified of investigation status or results

Complaint:
It is outrageous that Equifax waited six weeks to notify half the United States their most sensitive data was stolen. It is also outrageous that this company 's shabby systems allowed the hack to occur in the first place. And their requirement that consumers waive their right to sue in order to take part in a credit monitoring service is nuts. I do n't expect much of this government but for crying out loud ca n't you at least protect us from this type of mistreatment? I suppose not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Navient Solutions, LLC.
State: TX
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:
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavourable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX, XXXX and XXXX. Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2019-07-22
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX ( per XXXX ) someone using my identity created an account online as a seller with XXXX. Apparently item ( s ) were sold and then a " charge back '' was initiated by a customer. It appears XXXX paid that individual {$100.00} and charged it to this fraudulent account. Since the fraudster did not pay them they put this into collections with Convergent. I had disputed this to XXXX and they denied my dispute, without explanation. 
In XXXX, I received the first notice from Convergent that this debt was in collections. I contacted XXXX XXXX, a service that was first provided to me as a result of the XXXX breach in XXXX. Together we contacted both Convergent and XXXX to explain this was fraud. We were advised to proved Convergent with a police report and FTC Identity Theft Report as proof of identify theft. That was sent to Convergent on XX/XX/XXXX. On XX/XX/XXXX I received the response from Convergent. Letter was dated XX/XX/XXXX and stated that XXXX has rejected my dispute again. They did not disclose any reason why it was denied this second time either. 
Conversations with XXXX have been a series of transferred calls and no communication as to why they have determined this fraudulently opened account was a valid account. 
One day after receiving the response from Convergent on XX/XX/XXXX ; a representative from Convergent was already calling me and asking me when I am going to do to settle the debt.

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 2018-09-14
Company: Experian Information Solutions Inc.
State: UT
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 was added as an authorized user on a XXXX Secured Credit Card without my permission. I am not legally liable for this card. Closed on XX/XX/2017.

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the inaccurate information from this account : 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 2020-01-22
Company: COLLECTION BUREAU INCORPORATED
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX, I went to an urgent care clinic ( Primary Health ) After initial check in and observation the clinic urged me to go to an ER at the hospital. Which I did. I later received an attempt to collect a debt on lab work that was never performed. I called the clinic to get copies of the so-called lab work and they said they couldn't release the results to me. Only the billing. The debt collection agency also falsified the dates of when the visit took place. Saying it happened in XXXX of XXXX, which it did not. On top of it all, I never authorized this debt collection agency to obtain my protected health care information. They have my personal information along with specific lab tests I had taken, as well as the symptoms I was experiencing at the time. This is a clear violation of HIPAA. Also, they have given this information to the credit bureaus without my written consent. Collection agencies and credit bureaus are NOT covered entities when it comes to Protected health care information. Not to mention, In the state of Idaho it is past the statue of limitations to continue attempting to collect on this debt. This company is in violation of many laws and I want their practices looked into. I want this removed from my credit report. They are intentionally trying to damage my credit over a XXXX dollar bill that I DO NOT OWE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: OH
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:
Equifax improperly used my credit report as a credit reporting agency. 

Their faulty security has exposed my identifying personal and financial information to hackers. This has exposed me to potential identity and credit card theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: National Credit Systems,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: Account information incorrect

Complaint:
I do not have a debt or a contract with National Credit Systems and they are reporting inaccurate information on my credit report on XXXX. 

I dont give them permission to report this information and ask for an immediate removal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Phoenix Financial Services LLC
State: TX
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:
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavourable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX, XXXX and XXXX. Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Green & Sons Agency, Inc.
State: WY
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:
A XXXX XXXX XXXX employee made a duplicate refund to my credit card in XX/XX/2021. They then tried to charged the double refund back to my card, which was declined. They then attempted to contact me at an address I no longer occupy. The bill was sent to collections with Outsource Receivables Management. Outsource Receivables management finally contacted the correct address in XX/XX/2021. The bill of {$560.00} was paid in full in XX/XX/2021. XXXX never provided an opportunity for me to pay this debt before sending to collections. 

XXXX and XXXX are not reporting this collection on my credit report. 

XXXX is still reporting even after a dispute and after Outsource Receivables Management has sent them a paid in full balance.

Company response to consumer: Closed with explanation