BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: WELLS FARGO & COMPANY
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received by mail a XXXX from Wells Fargo stating cancellation of a {$1200.00} debt from an " overdraft deposit account ''. This debt is not mine, and Wells Fargo is unable to provide validation of the debt. 

The account number listed on the debt forgiveness matches with a checking account closed on XX/XX/XXXX. This account was closed in person at the XXXX CT branch office and remaining balance issued to me in the form of a cashier 's check. Overdraft protection was XXXX before the closure of the account. The account was not re-opened and has remained closed since the date of closure. 

In the proceeding 5 years post account closure, Wells Fargo did not attempt to notify me of debt, nor attempt to collect on said debt. The first notice of debt was the XXXX cancellation. This debt does not appear on any credit report, nor does it appear in a XXXX report. 

On XX/XX/XXXX I contacted Wells Fargo via phone for an explanation. The agent was unable to view my account info as the account was closed more than 2 years prior. I was transferred to the Wells Fargo collections department and informed solely that the debt exists in their system and that is was forgiven. When asked to prove validity, the agent was unable to provide validation as the debt was more than 2 years old and had been forgiven. I was prompted to follow up in a physical branch. 

On XX/XX/XXXX I visited the XXXX CT branch to receive information on the debt. The banker was able to lookup the closed account and print a copy of the final account statement. He was unable to see information about the debt nor validate the debt. 

I have attached a copy of the XXXX from Wells Fargo XXXX as well as my last account statement including the date of account closure. 

Per the final account statement. 
- Note the ending balance of {$0.00} on XX/XX/XXXX ( at time of account closure ) - Note the account option indicating " Overdraft Protection '' is not enabled - Note the benefits section stating " This account is not currently covered by Overdraft Protection. '' - Note the FAQ stating " You can close your account at any time if the account is in good standing ( e.g. does not have a negative balance... ) ''. The account was closed successfully with {$0.00} balance. 
- Note the FAQ stating " After 30 days, if your account balance does not reach zero, your account will be returned to active status and subject to all applicable fees ''. The account was not returned active and has been marked closed since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: EQUIFAX, INC.
State: LA
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:
Equifax is reporting a ID Theft account that was removed several months ago,. It was removed and now it is re-reporting again. Police reports as well as other supporting documents have been sent in several times. XXXX XXXX is a FRAUD ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Experian Information Solutions 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:
On XXXX XXXX, 2017, I wrote this credit repository and all the creditors being reported incorrectly on my credit report. There are several collection accounts that I disputed which does n't belong on my credit report. Requested validation documents to be provided to me and I have not received what I am lawfully requesting and it is more than 40 days now. How can the bureaus report that such disputed items have been verified? How did you verify the information? Is n't it unfair that I did not receive validation documents within the required timeframe as stipulated by the law, you being able to verify the pieces of information and me, on other hand can not?! What documents did you use in your investigation? Is n't that a violation of FCRA. Not being able to provide validation documents. Reporting an item verified when they are unsubstantiated?

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 2022-02-15
Company: R.M. Galicia, 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: Account information incorrect

Complaint:
I settled the account with Progressive Management back on XX/XX/2021. PAID {$1000.00} The agency gave my rep this Confirmation number # XXXX Payment Confirmation- XXXX # XXXX. They promised when I paid the {$1000.00} they would fully remove the collection off my credit report. As you can see they did remove it from XXXX XXXX however it is still reporting to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2017-07-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
How is Wells Fargo able to approve me for a  XXXX  Mortgage Modification when the appraisal of the property is  XXXX ? Also, they have charged over  XXXX  on an Interest only pick-a-payment loan and the company settled out of court and was paid off by the government  XXXX  of dollars, and were supposed to use that money to help homeowners get a more affordable mortgage modification. They never have helped the homeowners, including myself like they were supposed to! I would like an explanation of why this is being allowed and how this is legal to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Southwest Credit Systems, L.P.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted Southwest Credit Systems several times to validate debt of which i have no contract with them. They refuse. Southwest Credit Systems have also fraudlently contine to report to XXXX, XXXX, and XXXX untrue and not validated information. I have no contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE 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: Reporting company used your report improperly

Complaint:
XX/XX/HSN is in violation of the Fair Credit Reporting Act XXXX FCRA ). 15 U.S.C. 1681 et seq. for unlawfully obtaining my TransUnion consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. Specifically, the FCRA provides, A person shall not use or obtain a consumer report for any purpose unless -- ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section : and ( 2 ) the purpose is certified in accordance with section 1681e of this title by prospective user of the report through a general or specific certification. 15 U.S.C.

1681b ( f ). Chester vs Purvis, 260 F. Supp. 2d711 ( S.D. Ind 2003 ). 
I have not initiated any transaction with XX/XX/HSN. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XX/XX/HSN for review or collection

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 2023-07-27
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I called to report a fraud claim on XX/XX/XXXX at XXXX that had basically emptied my account dry. My girlfriends birthday is XXXX, Wells Fargo is telling me that I need to wait 10+ days in order to receive a provisional credit. But when I look into other people experiencing events like this with different banks they receive a credit almost instantly. This is the most stressed Ive been in my life, and now I cant even do anything for my girlfriend.

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 2022-02-15
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I left to go out of town in a haste to take care of a widow friend of mine who recently lost her husband then I traveled more to go help a single mom prepare for XXXX. Before, I left I attached my XXXX debit card to my XXXX XXXXXXXX XXXXXXXX XXXX card as preferred method of payment. I did this because I knew that I did not have the funds to cover my trip in XXXX XXXX and did not have time to transfer money. On my trip I got a phone call that I needed to drive back to South Carolina and pick up my cousin from the airport on XXXX day so that we could go see my grandmother who was dying one last time..so I rushed home on XXXX XXXX and left early the next morning to go see my grandmother who passed a few days later. I did not have time to sit down at my computer nor did I see any notifications on my phone. When I did finally get home after my car broke down, which took a few more days to get fixed I saw on line that XXXX XXXX had charged me 12 Insufficient Fund fees and 5 over draft fees. So, I called XXXX to see why? And they told me that when you use your XXXX debit card it charges the BANK that is hooked to the account not the BANK card. So, I payed XXXX the XXXX I owed them. And went to my bank on XX/XX/XXXX to explain why this all happened and hoping they would have understanding especially with all things considered.. and showed them proof of the payment to XXXX. However, they were only willing to credit me XXXX out of XXXX in insufficient fees and overdraft fees. 
Despite the hard times Covid 19 brought into my life.. I managed to open two businesses and have been working very hard to manage everything and with the claims that First Citizens helps low to moderate income communities and that I have been a customer for years I was shocked that they did not help me any more than they did. I had one child support check come in XXXX that was applied and with the credit XXXX I still owe them XXXX It has been very hard and this has made it even more difficult. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Bank was contacted XX/XX/XXXX I do not know the name of the person I spoke with, but it took over a week to get a response, that they would only help me with three charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: JPMORGAN CHASE & CO.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A student loan with Chase bank, they sold there accounts to XXXX - which now holds my account. This happened back in 2013. Though I have made numerous attempts to contact them, they do not respond and they tell me know one works in that department any more so there is no one to contact. Because of this, instead of saying sold on my credit report it shows that I am very behind on payments and it is hurting my credit. I have called them and mailed letter, and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Experian Information Solutions Inc.
State: NC
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:
There are many mistakes appear in my report without my understanding.

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 2022-02-15
Company: American Coradius International LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail on XX/XX/2022 made out to my maiden name ( I've been married for 11 years ). It was for a debt from XXXX for {$540.00}. This is not my debt, I do not owe anyone any money. The company is called American Coradius International LLC. If you look them up online you can see a long list of other people posting that this is a scam and that they were sent a fake debt bill about XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: TN
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:
After viewing my most recent credit report, I noticed unauthorized inquiries. I have never give consent for these company to pull my 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 non-monetary relief
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
From XX/XX/XXXX to present. I send Transunion several letters in accordance with FCRA under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) under Section 611 ( 5 ) ( A ) to provide any original documentation with my signature as required. 

Transunion never provide such documents when investigating the matter when it alleging came back " verified ''. If it was reported correctly as they mention who verified it? 

Iamalsorequestingthe METHODOFVERIFICATION accordingto FCRAsection611 ( a ) ( 7 ). For the ( 12 ) Twelve accounts in question ( a ) The name of the creditor ( b ) The persons name and title showing that they verified the dispute with ( c ) The address ( d ) The telephone number and ( e ) The documentation used to verify the dispute. 

If Transunion reply it would show clearing that they did not provide no evidence to me thus in violation of FCRA. The overall risk to me and my credit rating could be damage greatly all because of Transunion non-compliance. 

Anyone paying for Transunion services could fax, mail, or email in a fraudulent account. 

Since it still reporting on my credit report I'm sure that Transunion could easily provide it to CFPB. If not, look at the long-term damages its doing to me and potential lenders I would like to do business with, but unable to due to this error. 

In addition to validation of account 1 specifically. XXXX not even the original creditor but before called XXXX XXXX etc ... sold the account to XXXX. XXXX sue me in court and the final outcome was a mutal dismissal with prejudice. At this time dating back in XX/XX/XXXXtwo the same accounts were reporting under different names. Once I called the original creditor they said that I would have to contact XXXX regarding the account info. Ok I did to reminder them of their breach of contract regarding settling the account in question and complete removal of the account off my credit report. They complied, but the so-called original creditor still posted the account under their name. Is that legal? or lawful to report the same account twice sell it on penny on the dollars to a third party with their proof of evidence presented in court against me. The third party sues me, and lost. Do CFPB think if XXXX would have won they would of paid the other again after buying the debt? Since I hold trans union fully responsible with their non-compliance of the law have not fact checking all the information presented to them for removal of all 12 accounts in question.

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 2017-07-12
Company: SLM CORPORATION
State: MN
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:
In XXXX my daughter who was attending the XXXX XXXX XXXX took out a Sallie Mae loan for {$11000.00} that I co-signed. Long story but I think she was XXXX class short of graduating. She is XXXX for XXXX XXXX and not making her payments of {$170.00} per month. This is causing me great financial hardship. I am wondering what recourse I have. Even if it involves legal action against my daughter. I just want to know my options and I think that Sallie Mae is the XXXXXXXX XXXX spawn. I do n't trust anything they tell me. They just throw you into a loop of lies and telephone holds. Hence, I am asking you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Credit Corp Solutions Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received an Email from a co-worker on XX/XX/2021 stating that I needed to give a XXXX XXXX a call at XXXX Ext XXXX. I called the number back about an hour later, thinking it was related to work. Once transferred after I called, I spoke with XXXX XXXX and advised who I was and the name of my company. She then proceeded to try and ask me personal questions before she could let me know what the call was about. I would not give her information and asked " what is this call about, if not work related? '' She again, tried getting personal information from me and stated my last four of my social and asked me for my birthdate, which I would not give and home address. She was also at the time, repeating my phone number, of which I assume she was logging into the computer. She then went on to say, its a recorded call and its a debt from XXXX XXXX ( of which I do not owe ) ; and said Credit Corp had purchased this debt and that this was pre-legal. She was calling to see if she could get something worked out " Before they turn this information over to their lawyers '' and have something did, I did not understand her last sentence. I then said, I do not owe any money on this and further, DO NOT CALL my job giving information to my coworkers. My personal has nothing to do with this. She ignored that sentence and proceeded to tell me, " Yes, we have that information and threatened me that I would have my wages garnished because they have that information '' She also said, they had been trying to reach out to me ... I stated again to her, DO NOT CALL my work. Further, I said to her ... Turn it over to your legal and I will have my attorney definitely get back to them about this, because at this point, she has threatened me and I have never even spoken to these people nor have knowledge of this so called debt! I stated it to her twice and then proceeded to hang up the phone. Under FDCPA law, it is illegal for a debt collector to threaten you with garnishing your wages our property. She DID this! Therefore, I am officially reporting this negligent and unlawful act. Further, I have been told this company has called before and my coworker just did not give me the information because she could not verify who this person was or why the call. I called my work to indicate if they received another call from the number listed above to not take the call and tell them, they are not allowed to call me there. Someone from the company turned around after I STATED, " DO NOT CALL MY JOB '' and called again trying to gather information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Credit Karma, LLC
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:
XXXX XXXX, 2017 my credit scores dropped 2 and 3 points with XXXX and XXXX.My credit scores should be at the excellent pinnacle by now, but are always being knocked down just beforte the excellent range. Is this intentional? to keep me from paying the lowest insurance rates. There is never an explanation behind these actions which make them suspect. My account balance on my mortgage payments are always reflected leter than they should. The previous complaints I made never offered me an explanation. Please put my credot scores to excellent where they belong and offer an intelligent explanation of any future changes that occurr.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Specialized Loan Servicing Holdings LLC
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 information incorrect

Complaint:
Specialized Loan Servicing purposely lied and said my home was in foreclosure and it was not. They also said my home was effected by a natural disaster and it was not. They also said my home was in deferment and it is not.

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