BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
My mother received several suspicious calls from someone from " XXXX '' regarding a case and requested my mother call " XXXX ''. After several calls to my mother, I finally called the number and was told the company was XXXX XXXX XXXX. My mother apparently had closed a Wellsfargo account in XX/XX/XXXX/XX/XX/XXXXwith a negative balance, and they were collecting debt which was around {$1300.00}. They said they were trying to serve her with papers and was going to take her to civil court unless we would settle. They gave two options, one time payment of {$530.00} or installation payments. We chose the former. I paid my mom 's balance using my credit card, and was directed to make an electronic signature.  They then emailed me a form releasing liability from the debt and that it was paid in full ... The address on their letterhead is not a valid address of a debt collection agency. They are also linked to another company XXXX XXXX, whose address is linked to a company that sells LUMBER! Nothing to do with debt collection.

I felt it was suspicious and pulled my moms credit report, and there was nothing about debt owed to Wellsfargo. I called Wellsfargo and was also told there was no outstanding balance and that the call was a scam. I attempted to call my credit card company but was told they could not stop the pending payment.

This is a sophisticated scamming company that tries to con you of money under the guise of debt collection, and even go so far as to get your signature to authorize payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: NE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have requested multiple times proof of how much the vehicle was sold for during auction. I have not received a response or call backs. Im requesting this account to be removed from my XXXX and Experian as the amount they are requesting is not valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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:
The account is paid in full, still shows a negative report delete account immediately please

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 2021-11-05
Company: Opportunity Financial, LLC
State: WI
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:
The company opploans is sending approval notices back to back to my home address implying that I can secure a personal loan up to {$4000.00} with a pre-approved status with a offer code and expiration date, it is a apply online asking for routing and account information and a fast funding option.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: USCB Corporation
State: MT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company ( XXXX ) is representing XXXX XXXX schools and is using multiple collection agencies claiming that I have a bill under my name and I have never attended XXXX XXXX!!! They can not charge for services not given, there are many complaints against XXXX XXXX, this agency and 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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/22 I sent a letter regarding inaccurate things on my credit report to this day over 45 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged.

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 2018-08-27
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: ID
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:
I have lived in XXXX  for four years after being a Santander customer for over 10 years, starting when I took out a home equity loan in XXXX and opened a checking, savings and XXXX credit account. I currently have a Santander XXXX XXXX and they are now advertising a new Santander XXXX XXXX XXXX credit card that pays 1.5 % cash back with no foreign transaction fees, which is a higher cash back rate than my XXXX XXXX which currently has foreign transaction fees. They will not allow me to apply for this card as an XXXX  resident, they only offer this card to residents in 12 states. Santander is a National Association and should not be discriminating based on state of residence, especially for existing customers. 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 2023-01-10
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company is not licensed to operate in the state of XXXX XXXX  however, has been sending me letters attempting to collect for years at this point. I have repeatedly informed the company that neither are they licensed to operate in the state of my residence nor do I owe this debt. They however, persist and I received another letter in the mail a few days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original creditor as listed on my credit is XXXX XXXX XXXX XXXX XXXX MAIN APTS the account was open in XXXX but its listed on XXXX as it being open on XX/XX/XXXX I did a 1 year lease. I moved out to another state and they have placed it on my account showing I owe XXXX  which is inaccurate and I have tried contacting them on numerous occasions in order to see how is that possible. It's still showing the account is open and it last reported on XX/XX/XXXX. It's listed as National Credit Systems on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have contacted Navient many times about reducing the low income plan due to my fixed income. They have the reduction for two or three months, which I disagreed with the offer. They stated, " They do not have low income at that time for long term. '' I told them, " I need a permanent plan according to my income. '' I looked around, they did a forbearance on the loan. I like to pay on the loan according to my income. This is my second complaint regarding the loan. Also, Navient overcharging late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My request for mortgage modification on XXXX XXXX was sent to Select Port Folio with my financials to request a mortgage modification. Spoke with customer service and was told they were not processing my request. I don't want to lose my home. 
I've been given the run around trying to get help with keeping my property. 
Please Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
One theft stole my credit card to purchase almost {$700.00} products in store. I reported these fraud activities to Bank of American fraud dept which has refused to dispute these charges. The reason of this decline is that Bank of American found the theft used this chip card to make these purchases. According to them, it is impossible to duplicate my credit card with Chip. I have reported this to XXXX XXXX Police Dept, the detective has found the camera footage which can identify the female theft who had used my credit card to make these fraud purchases. I did send all police reports to Bank of American fraud department 2 weeks ago. Bank of America sent me a reject letter again yesterday and stated that they rejected my dispute request based on their research. I called fraud department again yesterday who claimed that they still didn't receive my police report. Bank of America is a company you can't trust, the people worked there didn't care about their customer and keep telling me there was no record. They refused to give me any further information until they received my police report. So I faxed my police report to their fraud department today. I will keep appealing until they dispute these fraud charges.

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 2020-07-01
Company: Southern Management Systems Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The creditor never notified me in writing that i led money and never notified me of the right to dispute. I didnt receive any notice at all until i saw a negative mark on my credit report. I dont even know what the XXXX dollar charge is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. All three credit agencies have different reporting scores and in correct information. I have requested to have all this reporting to be removed several times to the credit agencies and not removed. Credit acceptance was only removed in XXXX. XXXX XXXX has not yet provided what this the collection debt in question. All three credit agencies should also have my name XXXX XXXX XXXX and address XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX. I have mailed and called to request for my information to be accurate and no resolution. 

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account Number : 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 2019-01-09
Company: Credit Plus 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:
Good afternoon, On XX/XX/19 a hard inquire appeared on my credit without my knowledge ( I use XXXX XXXX and received an alert ). The company name is " Credit Plus ''. I do not know of this company nor have i ever been in contact with anyone from that firm/company to authorize them to pull my credit. Unfortunately my score has decreased due to this hard inquire and i would like to dispute and delete it from my report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: TRANSWORLD SYSTEMS INC
State: GA
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 recently reviewed my XXXX  and XXXX  credit reports and noticed collections on my credit report. The following are the collections : Transworld System Inc -- Original Creditor, XXXX XXXX XXXX in the amount of {$660.00}. On XX/XX/2021 I sent them a certified letter requesting removal of this account because they violated the Fair Debt Collection Practices Act. This account has not been removed and I haven't received any response from them. 

XXXX XXXX XXXX - for {$660.00} and {$170.00}. On XX/XX/2021 I sent them a certified letter requesting removal of this account because they violated the Fair Debt Collection Practices Act. This account has not been removed and I haven't received any response from them. 

XXXX XXXX for {$89.00}. I have disputed this account with the credit bureaus on several occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX of XXXX, Wells Fargo sent me a form to fill out for mediation on my claim. Wells Fargo denied my claim in XXXX of XXXX after a person I had never heard of hacked into my bank account and performed a XXXX transfer for almost {$500.00} and left me XXXX and broke. I spoke to a man from mediation and after I told him my experience he assured that he was going to be able to help me get my money back that was stolen out of my account. On XX/XX/2020, I received a letter from Wells Fargo stating that my claim could not be handled through the mediation department and if I wanted to refile a claim to contact their fraud department. I called the fraud department to request that my claim be reopened and the agent was so rude. She firmly told me that my claim was closed and could NOT be appealed because I admitted that I gave my online banking information to a person falsely representing herself as a loan agent. THIS IS A COMPLETE LIE AND MADE UP EXCUSE BY WELLS FARGO SO THEY COULD DENY MY CLAIM. I received 2 successful payday loans and the next day a person I had never heard of before in  my life did a XXXX transfer and stole almost XXXX out of my bank account. I never gave the loan companies my online passwords!!! The only information I provided was my checking account number and my routing number. I have contacted XXXX and their management has told me that WELLS FARGO IS OBLIGATED TO REIMBURSE ME AND DENYING MY CLAIM IS A VIOLATION. I dont understand why I was offered mediation by WELLS FARGO and then told my claim didnt qualify.

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 2020-10-14
Company: EQUIFAX, INC.
State: OR
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:
So I disputed an account that was fradulent on my XXXX  account and they resolved the issues but XXXX  and Equifax didn't even acknowledge that XXXX had deleted an account that was never mine and so Equifax and XXXX  needs to update my credit score once again. They aren't being up to date with everything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: DISCOVER BANK
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
TodayXX/XX/2018 I called Discover since I have a discover card about why I couldn't take out some money out of my account, they come to tell me without even telling me or notifying me that they closed my account today. Right now I have someone I know well helping me pay for my card and he made a payment of XXXX XXXX twice and Discover rejected both payments. Now this is a bit too much for me, esp closing my account without letting me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions 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:
WE ARE VICTIMS OF ID THEFT AND FRAUD. WIFE FILED FOR BR IN ORDER FO THE BR COURT TO INVESTIGATE THE FRAUD. BRC REFUSED TO INVESTIGATE THE FRAUD, THE CLOSING ATTORNEY WHO STAGED A FRAUD CLOSING IS IN FEDERAL PRISON DUE TO DEFRAUDING CLIENTS AND MORE. 

IT STARTED WITH XXXX XXXX XXXX XXXX WHO CHANGED THEIR NAME TO XXXX AND NOW XXXX. NEVER RECEIVED A LOAN FROM XXXX XXXX XXXX XXXX. WE RECEIVED DOCUMENTS FROM THE ATTORNEY AS IF WE DID. WE BEGAN PAYING XXXX XXXX XXXX XXXX IN 2004. 

WE WERE NOTIFIED OF THE ID THEFT AND ID FRAUD FROM A FEDERAL AGENCY., THE TRUSTEE ASSIGNED TO MY WIFE ABANDONED ALL OF THE RESIDENTIAL AND COMMERCIAL PROPERTY BECAUSE HE AND THE JUDGE BOTH WERE AWARE OF THE FRAUD ON EACH PROPERTY TAKEN OUR BY OTHERS. 

THE TRUSTEE BASICALLY STOLED EVERYTHING. RATIONALE WAS HE WAS LIQUIDATING TO COVER OUTSTANDING DEBTS. WE DID NOT WVEN HAVE OUTSTANDING DEBTS AS HE DOCUMENTED. 

XXXX IS STATING ON THE CREDIT BUREAU WE ARE PAST DUE 180 DAYS, THIS IS NOT TRUE. 


REQUESTTING ALL PAYMENT HISTORY AND DOCUMENTS FROM XXXX FOR REFERNCED ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THE CLOSING ATTORNEY AND SELLERS WHO HAVE BEEN REPORTED TO THE FEDERAL AUTHORITIES TOOK OUT 3 TO 4 LOANS ON THE SAME DAY FROM XXXX XXXX XXXX XXXX IN 2004, ATTACHING THE NUMEROUS 1098 '' S. THE AMOUNT OF THE HOME IS EVEN INCORRECT. THE COST IF THE HOME WAS 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 2018-04-03
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. My apartment was broken into and several ID documents stolen. I filed a police report and have attached a copy to this complaint. I found several inquiries that were a result of this identity theft. The inquiry below is a result of ID theft : XXXX XX/XX/2018 2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
Hi spoke with a representative this morning with Wells Fargo credit card department. I let him know that my account was still reporting as a charge off in my monthly payment status update. 

There should be nothing to report. Instead of an ( x ) there should be a (. ) or a NR - no report for XX/XX/2020 and continuing forward. Instead my monthly update continues to show an ( x ) like a missed payment or charge off. 


Please update monthly payment history. Remove ( x ) mark or charge off monthly status to ( NR ). 

I am aware my account status remarks will say paid charge off however my monthly update history since XX/XX/2020 should not report an active charge off like this account wasnt paid. 

Ive attached my documents below. 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