BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-13
Company: Experian Information Solutions Inc.
State: AR
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:
My wife was trying to trade her vehicle in for a newer model and was told from the salesmen that she could not make any trade. She asked why and he gave her no explanation. We then both pulled our credit for ourselves on XXXX  XXXX and there are many joint, unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen our identity and I need these things deleted from my credit report. 

XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX {$920.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09
Company: Nationwide Recovery Systems, Ltd
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:
NATIONWIDE RECOVERY SY ) at ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$340.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was made aware a few weeks ago that I was being charged for " debt protection '' service on my Best Buy Store card. I have at no point ever signed up for this service, nor have I ever used it. I immediately called to cancel when I found out that this was being charged to my card and that all that money was going towards nothing. They cancelled the service and submitted a request for a refund. I received a letter today denying that request, because my account " was protected by the program benefits through the end of the billing cycle in the month I cancelled '' despite the fact I have never used these " benefits nor would I ever need to. This letter also stated that I had signed up for this service in X/XX/2007, which is also untrue as I would never knowingly add extra fees to my monthly payment. Again I have never used this service. Their customer service advised me that they have no number to provide me to rectify this, or speak to the people who process these requests. They gave me a mailing address and told me they can make another request which I 'm sure will yield the same results. I would like these fees refunded to me as this is deceptive and they have gotten probably thousands from me for something I never consented to or needed. <P/>I am DEMANDING a copy of the application that they claim gave them my consent for this " debt protection service '' Their whole crux of this argument is that they have my consent from this application from 2007. I have not seen this proof of consent, without which they have no proof or consent from me to have enrolled me into this program. I have never consented and am again demanding a full refund of these fees.

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 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have all these collections and inquiries on my reports and theyre saying theyre verified I have my identity completely stolen I have file with FBI local police and Internet crimes theyre believing these people who say I owe and I dont and why would I intentionally put 75 inquiries on my own credit report?? I dont have any bills they even wipes out my medical records

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 2020-02-13
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Complaint is against XXXX XXXX XXXXt and their subsidiaries. I am being charged for 4 loans and can only recall receiving 2. I have been sued by these second hand creditors who have failed to provide legitimate documentation for two of the loans but due to my not being able to afford an attorney the judges chose the sides of the attorneys. Loan amounts are {$29000.00} XXXX XXXX XXXX XXXX XXXX, {$24000.00} XXXX XXXX XXXX  XXXX, {$16000.00} XXXX XXXX XXXX  XXXX, {$24000.00} XXXX XXXX XXXX. Also The interest rates were not fully explained and the loans actually doubled for repayment. XXXX XXXX pretended to be a lender that had the best interest of the students but was not. My mother, XXXX XXXX who was my co-borrower and I have been harassed by each of these debt collection agencies. I am asking that my complaint be included with the XXXX XXXX XXXX complaints and that the loans are re-evaluated and that me and my mother are only responsible for the 2 loans received. 
XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I called Equifax to notify them that previous attempts to have hard inquiries that were not authorized by me. I was told by XXXX they would be deleted. I was notified on the following day that they were verified as factual record of file access. They were not deleted as told to me on the XX/XX/XXXX and were updated as verified the following day. On XX/XX/XXXX I sent a letter to Equifax instructing them to remove these inquiries as they were not authorized by me and were n't related to any firm offer of credit, insurance, employment, or court order as the FCRA has put in place to protect consumers against actions that could be detrimental to their credit. This has in fact hurt my credit. On XX/XX/XXXX they placed that it was received and the XX/XX/XXXX they resent the same information " Inquiries are a factual record of file access. '' They are continuing to violate my rights as a consumer. Please investigate this for me and inform me of the results of the actions taken. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
A little over a year ago I chose to update my Nordstrom store debit card to a Nordstrom store credit card. When I applied for this change I was asked if I wanted the store card or the Nordstrom Visa credit card, which is a general use credit card that would earn Nordstrom points. I declined the general credit card and stated the store credit card was sufficient. About a week ago I received a letter in the mail from Nordstrom that ordinarily I would have discarded and not read - thankfully I read this one. It was a letter telling me that because I was a valued customer my store credit card was being upgraded to the Nordstrom Visa credit card. The letter outlined all the changes that would occur as a result of the credit offer and also informed me that unless I called to decline the offer by a certain date, the upgrade would take place and the new card issued. I called and declined the offer which was all done using an IVR so I was n't about to discuss my concerns with an associate. I also alerted Nordstrom as to my thoughts  around this bait & switch tactic via a direct message on XXXX. It 's important to note that no other method of contact was used to alert me of this credit offer. No phone call, no email - I even checked my Nordstrom store card account, which I check monthly to verify the auto pay, and there was no alert in my profile. The envelope was not marked urgent and could have easily been discarded by most consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Innovis
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX BANKRUPTCY CHAPTER XXXX DISCHARGED XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$140.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was wrongfully evicted from my apartment. I was continually being harassed by the on-property maintenance worker and had no choice but to report his behavior to the office manager of the complex. The harassment escalated and one day I came home to find this person in my apartment going through my drawers and personal belongings. I filed a police report. In retaliation the apartment complex evicted me without notice. This false reporting of a collection that I do not owe is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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: CITIBANK, N.A.
State: TX
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:
Called in to customer svc to make XX/XX/XXXX payment as I was out of country and had limited access to internet and gave payment information to associate. I did not think anything of it and thought they everything was good. I am just now seeing that the company has posted a 30 day late payment on my credit record. I called to discuss with company but they indicated I need a record. How would I have a record if I called in. They are indicating that they have no record of me calling in to make the payment, but I know I called in. I have never been late on this account and account balance is currently {$0.00} on the card.

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 2020-02-13
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$10000.00}, {$780.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOANS -- 1. DPT ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

2. DPT ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$780.00} -This is not my account.

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 2017-07-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit into my chase high school checking account on Sunday XX/XX/XXXX for {$430.00} and the ATM machine did not give me a receipt or any information on my account. I tried using my debit card today XX/XX/XXXX and it was not working. I called my mom to check what was going on with my account. I was informed by my mom who checked through the online chase bank that my account had disappeared. I called chase with my mom on the phone and I was told that my high school checking account had been closed but my debit card was still active. No one ever notified us of the closed account. I am XXXX XXXX and need my money. I was told after making a claim and speaking with XXXX that it was going to take up to 10 days for the investigation and another 10 days for a check to be made and mailed to me. I do n't understand why this money can not be put into my mother 's checking account ( head account ) as she has access to add and take away money from my account. I also do n't understand why we where never notified of the closed account. In addition, I do n't understand how the ATM would take the money as a deposit when the account is closed? Furthermore, how does a debit card remain active when it does not work? I do not think this is fair practice as I need my money now and not in about a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The name of company is First Credit Control, I didnt get enough information to dispute it. This bill is a worker comp bill that worker comp is going to pay. XXXX that I had done of my XXXX and XXXX. My Attorneys have submitted the bill. This agency took upon themselves of placing this bill all of the sudden on my credit. After my attorneys have handled it. They are harassing my credit flagging it to all credit bureaus. This will stop now. They are double dipping. My case with worker comp is still open. They arent authorized to put the bill on my credit. After it has already been submitted for payment. Its Fraud!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: WELLS FARGO & COMPANY
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:
Currently dealing with Wells Fargo Bank in XXXX XXXX XXXX, I am writing this because on XXXX XX/XX/XXXX I filed a dispute for XXXX unauthorized transactions totaling up to over {$2000.00} on my Debit Card. On XX/XX/XXXX Id gotten off the phone with the Fraud Department for Wells Fargo ( I called to check the status of my claim because I hadnt heard anything ) the XXXX proceeded to explain to me that he is not sure if my claim will result in me getting my funds back, the only thing he could assure me of was that my claim would come to a decision in XXXX business days which would be XX/XX/XXXX. Im writing this today to inform you that it is XX/XX/XXXX and Wells Fargo has denied my claim and denied my rights to be reimbursed and get my funds back as quick as possible as this unfortunate event has left me with {$0.00}. Unable to provide for myself or my family. I am left having to rebuild all the money I saved recently. I am XXXX to my XXXX about this matter and I just want it resolved. Please help. 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 2020-02-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
) I previosly inquired about similar circumstances in XXXX*-please do not classify this as duplicate complaint- Because I was homeless and disputed PRA again-yet they say I haven't " provided them with docs. '' *XXXX Long story short, please see the written communications attached showing that PRA is still violating your very own rules and legislature 's laws regarding deception/misleading/misrepresentations ; XXXX IS NOT PARTICIPATING IN COLLECTION EFFORTS WITH PRA-YET PRA SENT ME A LETTER WHICH BY IMPLICATION WOULD DETER ME AND ANY OTHER FROM EVEN CHALLENGING PRA 'S LEGAL OWNERSHIP OF THIS ALLEGED DEBT. This is because they have nothing authentic as evidence. 

I am XXXX yrs old and am experiencing much stress as a result of dealing with an alleged debt, which Portfolio Recovery Associates has attempted to coerce me to pay-yet they refuse to show me authentic documents despite my disputes. 
The FDCPA laws say ; 15 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Specifically ; e ( 2 ) - The false representation of ( A ) the character, amount, or legal status of any debt ; e ( 6 ) - The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt ; e ( 8 ) - Communicating or threatening to communicate to any person credit information which is known or which should be known to be false ...

e ( 10 ) - The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

MORE APPROPRIATELY ; e ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. 

Please see dated attached docs and help me to resolve this trickery before I resort to a the courts. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synchrony Bank calls multiple times per day ( usually between 3 - 5 times per day ) regarding debt. The company calls from multiple different numbers.

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 2017-07-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We took out a loan with Wells Fargo about 10 years ago. This loan was an interest only loan for a duration of ten years ; then the interest can change after 10 years. Early in the mortgage we realized that this was not in our best interest and it was the bank that acted as a predatory lender. My wife and I were quite capable of paying our mortgage. We have never missed a payment and always paid on time. We have asked Wells Fargo on many occasions to give us the opportunity to refinance our mortgage. Each time we were declined. Our first attempt for seeking refinancing by Wells Fargo was done with the assistance of Neighborhood Assistance Corporation of America ( NACA ) and we were declined. We were declined many other times through out the 10 years. We have paid out to Wells Fargo over {$400.00} dollars with little or no principle.
We finally got the opportunity to refinance with a different bank at a 4 % rate last year ( 2016 ). At the end of 10 years we are starting with the same amount on our mortgage as day one ten years ago. Wells Fargo should have the decency to refund us back a portion of that 400,00 dollars. With my new bank today, I pay interest plus principle plus an extra XXXX  for principle only to pay off my mortgage in 15 years. Be careful with Wells Fargo!!!!

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 2017-11-16
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 a victim of identity theft. Someone stole my personal identification information and opened fraudulent accounts. They are : XXXX XXXX XXXX XXXX and XXXX XXXX. I filed a police report with XXXX Police Department ( police report no : XXXX ) and sent that document to XXXX, XXXX, and Equifax asking to block and removed these fraudulent accounts. XXXX and XXXX blocked the fraudulent accounts, but Equifax refuse to block fraudulent account. I called to Equifax fraud department many times and no one could help me to resolve this problem.

Company response to consumer: Closed with explanation