BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-23
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: Threatened to sue you for very old debt

Complaint:
In late XX/XX/XXXXor early XX/XX/XXXX, I opened a visa credit card with Wells Fargo bank with a {$500.00} credit limit. I used it and paid minimum payments each month. Approximately three years later, I learned that the bank had increased the interest on the card such that my regular payments were not lowering the amount and in fact it was increasing. I contacted the bank and asked for the interest to be lowered so I could pay the card off and was refused. By this time, I had already paid well over the amount I ever charged on the card. As such, I decided to make no further payments and shredded the card. I have no recollection of receiving further statements or notification that the account was being sent to collections, but in XX/XX/XXXXI was notified by XXXX that they had purchased by debt from Wells Fargo and that I now owed them {$2500.00}. I received several harrassing messages from XXXX XXXX and, thereafter, I was served with papers notifying me that I was being sued by XXXX. I appeared in court on the date set forth on the papers only to be told that the court date had been changed and that the judge had ruled in favor of XXXX. Last week, my bank account at XXXX was levied and XXXX will take everything that was in it ( {$500.00} ) on XX/XX/XXXX. I should have been notified that the court date with XXXX had been changed. I also question whether or not it is legal to take a {$500.00} debt ( or even a {$2500.00} debt ) and turn it into {$6000.00} by filing in Court. Please help. I would like to get out from under this debt, but can't afford {$6000.00} and especially can't afford to have them take everything in my bank account that I need to live on. Thanks.

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 2021-06-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was in the process of trying to buy a home in XX/XX/XXXX from XXXX and my credit credit was run by their finance department, my scores came back extremely low. So they showed me what was on my credit which was multiple credit card accounts that was not mine like Portfolio Recovery, etc. I filed a police report on identity theft with social security being compromised and sent it to the credit bureaus. I disputed all of them and only some of them were taken off my credit. But Portfolio Recovery remain with bill of sale paperwork from XXXX. Meanwhile, i was getting harassing calls from creditor, Portfolio recovery every day twice a day from XX/XX/XXXX till XX/XX/XXXX at work and home. I filled out an identity affividant with their company. Despite it all, in attempt effort to clear my name, they are now taking me to court for the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX after receiving my written statement and police report that insured mailed and signed by one of their employees, refuses to remove the debt from my credit reports. I am seeking legal action with an attorney in their state. 
This debt does not belong to me. My written statement on all my credit reports, since XX/XX/2015 states that I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX  after receiving my written statement and police report that insured mailed and signed by one of their employees, refuses to remove the debt from my credit reports. I am seeking legal action with an attorney in their state. 
This debt does not belong to me. My written statement on all my credit reports, since XX/XX/XXXX states that I 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 2018-12-10
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
INACCURATE INFORMATION SHOWING UP ON MY CREDIT REPORT FTC VIOLATIONS AND FAIR CREDIT VIOLATIONS

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 2019-04-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX after receiving my written statement and police report that insured mailed and signed by one of their employees, refuses to remove the debt from my credit reports. I am seeking legal action with an attorney in their state. 
This debt does not belong to me. My written statement on all my credit reports, since 2015   states that I 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 2018-12-10
Company: BB&T CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Complaint - To help us get the investigation process started, provide a brief description of the complaint including dates and the names of those you dealt with. 
Do NOT include any personal information such as account numbers or Social Security numbers. 

Title : Account Opening Bonus ( {$300.00} ). I received a flyer from BB & T to open a new bank account, per flyer I would be eligible for {$300.00} account opening bonus if I will keep {$5000.00} in my account with 30 days of account opening. I went to the BB & T XXXX branch with the flyer and opened an account on XX/XX/18. Per flyer language " Use promo code " XXXX '' when opening your account to get {$300.00} - offer ends XX/XX/2018 '' I asked banker to ensure that I get account bonus since I made deposit of {$5000.00} in my bank on XX/XX/18. I waited until XXXX end to receive {$300.00} bonus since I fulfilled all the conditions. I called BB & T customer care three times to  know whereabout {$300.00} bonus but they had no idea and they told me to check with the bank directly. I visited branch on XX/XX/2018 and explained the situation to business banker " XXXX XXXX '' he promised to look into the matter and resolve it by XX/XX/2018. After XXXX I made three follow-up calls to him but I did not receive any response. I am very unsatisfied with poor customer service and lack of accountability demonstrated by BB & T. I have original flyer clearly indicating that welcome bonus will be deposited within 90 days if {$5000.00} is maintained as average daily balance. Please help me to get resolution and promised bonus.

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 2019-04-11
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:
Dear CFPB, Earlier this month I sent a letter to TransUnion disputing an error from my XXXX XXXX  credit card. The error with my XXXX XXXX  card was that XXXX XXXX inaccurately reported my payment as late. 

In my dispute with TransUnion I never, I repeat I never, told nor asked Transunion to remove the entire account from my credit report! 

TransUnion did not pay attention and removed my entire XXXX XXXX account, which for the last one year and 4 months was my only credit line which means it was the total of my credit history! 

In order to get a mortgage to have a house for my family later this or early next year I will need a credit history of 2 years! 

This error is putting my child 's and my future at risk! 

I ask for your help in having TransUnion not only restore my XXXX XXXX  account to my credit report, but also restoring the credit history dating from XX/XX/2017. 


Simply restoring my XXXX XXXX account to my credit report will not be enough. They must restore the credit history they carelessly removed!

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 2019-04-11
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I refinanced my mortgage with a new lender on XX/XX/XXXX and XXXX was wired a payoff. XXXX returned the payoff to the title company and in retaliation for refinancing with a new mortgage company XXXX reported to the credit bureau that I am 30 days past due as of XX/XX/XXXX. XXXX then accepted a higher payoff amount on XX/XX/XXXX after exorbitant fees were added. My credit report still reflects that the mortgage is open, late and 30 days past due. This information is incorrect as my mortgage is paid in full with 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 2018-02-01
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tried to make a payment on my XXXX 's credit card balance XX/XX/XXXX ( Due date ), but their system was not working. Finally, I was able to make a payment after a technician took a payment over the phone after the due date. And he confirmed me that they will take care of the the late fee since this is their website issue. 

But I still see a balance on my account and when I tried to solve it over the phone they were not able to solve it, instead they refer me me back ab forth with different agent and several minutes without any issue. 

Even till this day when i tried to see the statement I'm see a black screen with a busy sign ( please see attached )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I sent payments via Bill Pay from XXXX XXXX XXXX to Santander Consumer USA. This was the wrong address. Because I chose the address as the payments should have been sent to Santander Bank. Because the error was mine XXXX denied reimbursement for the funds. Though XXXX and myself as well as my sister ( the intended recipient ) contacted Santander Consumer USA and Santander Bank the payments have never been returned to me. I have made numerous phone calls, including conference calls with XXXX and my sister, gone in person to Santander Bank and XXXX has contacted Santander to no avail. Santander Consumer USA confirms receipt of the payments but had no matching account number to apply them to because they were not loan payments. The payments were intended to go to my sister 's checking account with Santander bank. Rather than return the payments to me or forward them to Santander Bank, Santander Consumer USA in Texas kept them. We had spoken with XXXX and XXXX at XXXX among others. Please help me. I just want my {$250.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The collections company : National Credit Systems , Inc. ( NCSI ) has been attempting to collect a debt from me since XX/XX/2015. I didn't feel obligated to pay the debt because I was living in an Apartment Complex where the maintenance and office staff were harassing me and my roommate by " XXXX us with odors '' that made us feel noxious and sick and made it hard for me to sleep at night, which made it hard to go to work the next day and hard to go to work the next day. The Apartment Complex is called XXXX XXXX, in XXXX AZ, and the it was apt XXXX   that I left w/out paying to break the lease. Me & my roommate kept calling police, fire dept., and even hired a private investigator to try and find out who was " XXXX us '' and how they were doing it. We concluded that it was an inside job, because when it first started and we had the manager come over to smell the odor, she said of course, that she could not, and the same w/the maintenance staff so we were unable to say that the apartment was uninhabitable to break the lease. We ended up having to go through the AZ Tenant Association ( ATA ) and followed XXXX XXXX advice to not break the lease and not have any contact w/the collections agency. After a year of doing this, I tired of the phone calls from everywhere at all hours, and I ended up calling them and attempted to dispute that we owed any money since we were the ones that were harassed by odors being pumped into our apartment, making it inhabitable. If there were no odors or ( harassment ), we wouldn't have left. NCSI stated they investigated but they didn't find any evidence to validate our claims. I didn't set up a payment plan w/them or call them after this, however, the horror story of being harassed by odors being pumped into any place we have rented since leaving XXXX XXXX XXXX XXXX has been ongoing, and we believe it is now being done by the collectors that work for the agency. I have moved every year since leaving XXXX XXXX XXXX XXXX to find a place that is safe where the odors will not happen to us, not because I enjoy spending the money it has cost me to move, even paying to break leases, in an attempt to escape the harassment as the odors inevitably start again in about XXXX mos. every time I have moved in to a new place. I have moved XXXX times in the XXXX years since leaving XXXX. I am not living in a house I rented thinking I could escape being harassed if I didn't rent an apartment, townhome or condo which are more closely spaced together and often times share the same ventilation systems, making it easier to have access to, but I'm still being XXXX by smells here! This has got to stop, please help me with this ongoing harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX has been closed by the government. My loan should be dismissed and I have requested the paperwork many time from Navient ( the lender who bought out XXXX XXXX ) and I never receive the paperwork from them. They have told me that the department that handles that won't take their calls. I read today that the last day to file the paperwork for this is on XX/XX/XXXX. I need help and I need it fast. 

They lied to me and told me that they had a career services department. I went to the dean during my second semester and asked to be enrolled in the program and he started looking on XXXX for jobs. He said that was the career services department. There are a lot of other things they lied to me about. They also forced me to get several private loans, and also switched loan companies from Navient to XXXX and didn't tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: EQUIFAX, INC.
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:
Even perfect, true, correct reporting REQUIRES PHYSICALLY VERIFIABLE PROOF of ABSOLUTELY CERTIFIED COMPLIANT REPORTING. As an example, EQUIFAX is reporting, non compliant information on derogatory accounts, such as consecutive months reporting " 30 days late '' ( which is impossible ), six months of charge off reporting, balances on charge offs, etc. This is without adequate legal standing, in full accordance with the credit regulation compliance standard and laws. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: JTM Capital Management, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Receive a voice message ( call was from a spoofed NY number ) from someone identifying herself as XXXX XXXX. Did not state what company but stated that she has some paperwork for me to sign. She has a request under my name and ss #. She stated that she would place me on her schedule and I must sign for the documents regarding a claim that an office placed against me. Stated the paperwork would be derived on XX/XX/18. If I had questions I was to call XXXX with reference # XXXX. 
I called the office on Saturday morning they were closed but identified themselves as XXXX XXXX XXXX. I have seen other complaints on your site about this company as well. I called the number again today ( Monday XX/XX/18 ) and spoke with XXXX XXXX. He stated that I had a defaulted contract with XXXX XXXX. I requested to see the information in writing via US Postal mail. He wanted to email the info, I again requested the information in writing. How do I know that this isnt a scam? 
Received another voice message from XXXX XXXX ( XXXX ) same spoofed number as before. She stated that since she had not received information from the client she was going to go ahead and stop by my residence and to have the paperwork signed. When I attempted to call her back the line is busy. Confirming that it is not a real phone number. 

On XX/XX/18 I accepted a settlement with XXXX XXXX, per our email. I also provided them with the banking info as requested in the time frame requested. The next day I emailed them and they told me that I missed the deadline. Which is absolutely erroneous. I provided them with the requested information appropriately 2 hours after the request. This should not be a matter for me to be threated to sue or any other threat imposed. XXXX XXXX with XXXX XXXX XXXX certainly didnt try to assist with contacting XXXX XXXX person either. I am VERY concerned here. Assistance with resolution is most appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I wrote Equifax a Method Of Verification request letter, sent certified mail ( copy of letter attached ), regarding ; Account # : XXXX Open Date : XX/XX/XXXX Equifax claimed was verified by Original Furnisher : US BKPT CT OH XXXX. My Method Of Verification request was received by Equifax on XX/XX/XXXX XXXX ( proof of service attached ). Equifax had 30 days to respond to the request per FCRA. As of today XX/XX/XXXX. I have yet to receive a response to my request. I have attached copies of all correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a Kohl 's Charge card in XXXX. Like most Americans, I sit down every two weeks and pay the bills. It's pretty simple, I open the statement, and send the payment. This Kohl 's account was no different. That is until XX/XX/XXXX. Kohl 's failed to send me a statement this month, and as such, I didn't make a payment. I never received any notice or correspondence that a payment was due, or that I was late..this is my wife 's card, so I just assumed there was no balance that month. 

Kohl 's waited 60 days to give me a " courtesy call '' and tell me that my payment was now 60 days late. I was floored. I paid immediately, but the company has refused to correct my credit history. This is a practice that less scrupulous card issuers use to justify raising the interest rates of cardholders that pay on time. It's a crooked business practice, and consumers should be aware not to open a Kohl 's Charge account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my 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 explanation