BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: WELLS FARGO & COMPANY
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received an email from this company claiming to represent Wells Fargo telling me that i owe them money. I have not had an account with Wells Fargo for nearly 20 years, and at the time that my account was closed I XXXX  out the account and closed it. I never had a line of credit or an overdraft protection attached to my account, so there is no way that I could have a negative balance.

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 2020-04-08
Company: AES/PHEAA
State: MD
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:
PHEAA is continuously reporting a derogatory remark on my credit, in reference to a account that is not mines I never opened a loan in 2017, the account is reporting twice on my credit report.it states that the account is closed but still reporting late payments on my credit report which is erroneous information, if it's closed how can they still report late payments on account that's not even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Convergent Resources, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written and sent 3 validation letters to XXXX XXXX to validate a debt owed. Starting XX/XX/18 ( 1st letter ), around XX/XX/18 ( 2nd letter ), and XX/XX/18 ( 3rd letter ). The 1st letter they did not send the information requested just a printout which stated not to send a printout, the 2nd letter there was no response, and the 3rd the same printout. They continue to not validate the debt with a contract and my signature stating I owe this bill. It has compromised my credit worthiness due to this false and incorrect account on my credit report. It has also harmed me getting new lines of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: ERC
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:
I contacted ( 2 ) collections agents XXXX, XXXX and ERC who are reporting a negative account on my ( 3 ) bureau credit reports. I reviewed my XXXX  credit report in XXXX and found an account that is unknown to me. I wrote a letter on XX/XX/2018 and again in XX/XX/2018 to both companies who are both reporting at the same time. I explained in my letter that I had not yet used my credit in anyway and there should be nothing reporting on my credit I requested that both companies provide me with Full validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and all corresponding local state laws. I requested validation that is competent evidence bearing my signautre showing that I had or ever had some contractual obligation to pay. Because this account was fraudulently opened I insist that these ( 2 ) collections agents remove all negative marks found on my ( 3 ) bureau credit report files from your company and the company they represent. 

XX/XX/2018 after no response at all from both the reporting collection agents I worte to the ( 3 )  reporting bureaus XXXX  ; XXXX XXXX and XXXX  by certified mail and enclosed copies of the letter sent to XXXX, XXXX and ERC ( see attached document ) asking for validation that the information their clients are reporting is correct and that it seems that some one used my perosnal details to open up this accounts. I requested Full Validaiton and I have not yet had any reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
State: NY
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:
As previously notified before, I XXXX XXXX born XXXX XXXX am a victim of identity theft and i myself did and am sending this complaint.

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 2021-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
$ XXXX via unauthorized transaction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-22
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a XXXX XXXX with a paycheck that was disbursed by the XXXX  ( XXXX ) for deposit today, XX/XX/2019. 

The deposit is not reflected in my account. 

Attempts to contact NFCU are futile. Their phone lines are completely down. I cant get any information about why my paycheck that was disbursed is not available to me in my account. This is my paycheck not NFCUs to do with as they pleased. 

I have no over due payments and am not overdrawn. They simply have not posted my pay to me and will not tell me why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: JPMORGAN CHASE & CO.
State: CA
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:
These ppl are XXXX of the earth I faxed over mailed copies of my SSN card driver license number card and utility bill iny name they still can't verify me let alone obtain annual credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, 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 information incorrect

Complaint:
I had recently resolved an error on my credit report regarding late payments in my account that shouldn't have been in my account. I contacted uheaa/Cornerstone about this issue and they told me they already fixed the error on their end and I would need to get in contact with XXXX, Equifax and XXXX  about this issue. 


Below is the email confirming the changes done to my account to fix the error on the payments..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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: Problem with personal statement of dispute

Complaint:
I find that my consumer file is being irresponsibly tampered with. Over the past 7 months I have made several attempts to remind equifax of their duty pursuant 15 USC 1681. It appears Equifax is intentionally and willfully being neglectful in remedying my affairs.

15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. 

I have been disputing these accounts with equifax and i have called them on numerous occasions. On every occasion the reps either didnt understand English and werent helpful and other times they were rude and hung up me. Including supervisors. Equifax failed to provide method of verification during their investigation as well as their reinvestigations. 

15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must promptly be removed. 

Equifax willful negligence in properly investigating my disputes have caused me a tremendous amount of stress due to the amount of time spent to remedy my affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX, Bank of America closed my credit card account. I tried to speak with them so they can reopen the account for me. They said they can not do that but did encourage me to apply a new card. 
On XX/XX/XXXX, I submitted a new credit card application. However, the application was denied. Couple days later, I got a letter referencing the reason of deny. The letter says they can not approve the account because " an account with us and/or affiliates has been revoked ''. It is astonishing as they encourage you to apply a new card since your account is closed but deny you immediately because of recent account closure.

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 2019-08-09
Company: ACS Education Services
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Between XXXX of XXXX and XXXX of XXXX, I was repeatedly given wrong information, and misled about the status of my account. I tried repeatedly to apply for economic hardship deferments, forbearances and income-based repayment plans, but was constantly denied. The reasons for denial were ridiculous. For example, they would claim that I didn't include information that I most definitely DID include as requested. Other times I was told I wasn't eligible, or that my request " was not an option for me ''. Actual people told me those things even though I was eligible. They lied. 
All this time, they very inconsistently reported information to the credit bureaus regarding the status of the account, which became delinquent ( according to them ) as I tried in vain to seek relief! Some months they reported, others they did not. Even when they did grant me a deferment for a few months, they still reported my account as delinquent to the credit bureaus. After my account was transferred to another loan servicer, I requested that the closed account be deleted from my credit report at all the credit bureaus. They have repeatedly denied this request, even though the payment history is grossly incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was used to commit fraud I have given the bank evidence of it not being committed by me since I was in a completely different state from where the transactions were taken place was going on for around 2 weeks I have given them credit card statements of me using my credit card in another state since I didnt have my debit card and to them that is not enough Im an XXXX year old with a part time job I can not be in debt with a total of around XXXX XXXX in fraudulent charges still have not received accurate updates the claims department had been no help at all and have been ridiculously rude at times tell me that I committed the crime of Fraud and that, that is why I cant pay my rent or my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On Wednesday XX/XX/2019 at approximately XXXX XXXX, XXXX XXXX of " IC System, '' called me to collect a debt ( {$50.00} from XXXX XXXX XXXX ). At that time, I informed him that I would pay XXXX directly because that way they will be able to restart my pet 's health insurance which I was unaware had lapsed. 

At that time, XXXX told me that " XXXX would prefer that I pay IC systems '' when I asked why that was, he stated that " XXXX may not have my file any longer. '' When pushed, he admitted that he was entirely unaware of whether XXXX had my file. Accordingly, XXXX was attempting to collect this debt by making misleading statements ( a statement as fact, that he had no factual premise for ). 

Moreover, he proceed to call me a " piddly little person. ''

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 2020-10-26
Company: Veros Credit, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
This derogatory mark on my credit report.Upon further research this account was transferred/sold and I am no longer responsible for the account.Debtors creditor did not verify this collection.According to the FCRA my rights have been violated and Im requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I reapplied for mortgage repayment consideration and was rejected the day after they received the package. NO CONSIDERATION ... .They are trying to take my home!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am a victim of identity theft.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Department of EducationXXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX Acct # they could not provide one XXXX XXXX XXXX  Acct XXXX XXXX XXXXXXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2020-10-26
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
To whom it may concern, I sent a dispute letter for inaccurate personal info on XX/XX/2020 and I still have not gotten any results. I also, sent out a 60 day comply letter on XX/XX/2020 and still no results. At this point my FDCPA rights are being violatied.

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 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I disputed all inaccurate accounts on my credit report with the bureaus on XX/XX/2020 and still have not received any response from neither 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 2020-07-02
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:
These 2 accounts : XXXX  with a balance of {$16000.00} ( Opened XX/XX/XXXX & XXXX XXXX {$23000.00} opened back in ( XX/XX/XXXX ) Not only are these accounts more than 7 years old, they were not opened by me! They must be removed immediately! This is inaccurate and false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I was notified by XXXX XXXX through XXXX XXXX about an inquire on XX/XX/XXXX. Inquire was from Small Business association, I called the XXXX they explained that an individual has opened up a loan in my name for {$17000.00} they explained the steps I needed to do I called them back a few days later they stated that they stopped the approved process and stopped the check. I was told to submit a police complaint, I did hear nothing back from XXXX County as of yet online only. I have submitted online to Transunion, XXXX and XXXX and they have not removed this inquire either. I also am trying to press charges against the individual and seem to be getting nowhere. I have had fraud happen to me several times in the last 7 years, enough is enough. All these credit companies and business advocates make it impossible to clean anything,. So I will be taking this further and hiring a lawyer. I want all my duplicate inquires removed and especially the XXXX inquire removed off my credit. I probably will just submit to State Police since County has not notified me in a month.

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 2021-04-29
Company: Comerica
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have the Direct Express card thru SSA and have learned that their dispute resolution investigation means the merchant will always win and even if you get any resolution, the permanent decision in your favor can still be debited at any time after case closed. The don't even list what they're debit for or warn you..us low income XXXX individuals are at their mercy We can't add funds or keep more than {$2000.00} on this card, pending doesn't mean " hold '' on a debit card so hotel reservations or gas stations lock up urn $ $ for up to 90 days now!!! They get their money instantly XXXX but any return takes 7-10 days with receipt. or online purchase made after ID theft ( homeless and W/o shelter..it 's a b**** to try and carry everything on ur back, especially when ur XXXX and victim of authority that entrap you and partner with rules they make up as they go along depending on how you look that day and don't even care about identification or reporting ID misusage by people you think are ur friends No protection, worse for protected person, easier for abuse of anything and anyone w/o shelters that say their full but COVID gives them an excuse. Then no $ $ and no phone or Internet sometimes plus nowhere to charge on. Library is closed and no transportation. Finding a place to XXXX without buying something is impossible. Waiting on deposits at hotels has been a problem lately because by the time they're refunded someone has caused damage and being like this gives them an easy target and they can't remember, think you can't or don't know how to dispute it. Kinda like guilty before innocent, poor will always be there and if you try to be proactive, they will find something wrong to stop you from telling on them, the merchant. Found out a merchant can overdraft ur account ( mine is - {$190.00} ) do they get charged for that cause I can't even OD {$10.00} like they advertise I had to dispute the ATM fees once ( first one isn't really free - ever ) and no way I mail or afford to fax dispute forms. They say they never ask for your PIN or personal info but try calling the toll free # to verify. Also they ask you questions after like dates and amounts when they should have it right in front of them. Lost your card and recording says " we are experiencing a high volume of calls, please call back at a better time '. Is there ever? I don't have good enough credit to open a local checking account ..any suggestions?

Company response to consumer: Closed with explanation