BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-06
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:
On XXXX I received a called from a company called XXXX XXXX and the number popped up a several XXXX United stated they left me a voicemail saying that if I dont pay my debt I will be given papers to show up to court in the next two days. Then 10 minutes later my mother received the same voicemail for me so I call them back immediately. 

I called them and they said I owed Wells Fargo XXXX and if I went to court I could pay up to XXXX in their legal fees unless I settled it on the phone with them with 6 payments of {$160.00}. I made an initial payment of {$160.00} and was suppose to receive and email that I needed to sign that should have contained their information but I didnt so I didnt sign. When I called back asked for their address website anything to check their validity he offered to refund my money and wished me the best of luck and hung up the phone. I received receipts from a company called XXXX XXXX XXXX for the initial payment/payment contract for 6 months and the refund. I asked for their website and he said XXXX and it didnt work. I called back later just asking questions pertaining to them and he said all they had was XXXX. XXXX and their website was XXXX but both sites didnt work. The number I called them from was XXXX and he said his personal number was XXXX his name was 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 2019-03-06
Company: EQUIFAX, 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:
XXXX XXXX has a serious delinquency debt on my credit report for {$6600.00}. I disputed this as I have never had a XXXX XXXX account. It was not removed. I contacted XXXX. They said the decimal is wrong and they have it for {$66.00}. I told them I have never opened an account with them. They told to call a collections number as sent to an attorney. I called the collections 4 different times now. I sent in the fraud paperwork. They will not return my phone calls or resolve issue. My credit shows history that I dont leave Bill 's unpaid and pay timely. I am seeking help and have tried so many different avenues. It is fraud and I have never used XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ITEMS which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.

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 explanation
Consumer complaint received 2020-12-08
Company: SYNCHRONY FINANCIAL
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:
I am a victim of identity theft. Because of the identity theft I ordered my XXXX  report and found the following inquiries that were not authorized by me : Synchrony Bank XX/XX/2018

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 2021-09-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo is so unethical! I had VA home loan through them. I sold my house for EXACTLY what was owed on my loan. Fast forward 4 years later I apply for a new VA home loan and find out after I closed Wells Fargo billed the VA for XXXX. I asked what it was for and they have no information. They basically say when banks bill them they just pay it. I call Wells Fargo and they cant give me a breakdown. Just say fees. They are fraudulently billing the VA and getting money! Most unethical company I have ever seen. I can only imagine what they do to people that bank there.

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 2023-01-11
Company: EQUIFAX, 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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX Balance Owed : {$460.00} Medical XXXX Balance Owed : {$220.00} XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Experian Information Solutions Inc.
State: MO
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 a U.S Bankruptcy Courts that is reporting on my credit report. I have reached out to Experian on XX/XX/18, XX/XX/18 and XX/XX/2018. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. Experian has yet to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. Also when asking how they are getting the information. I receive a response that they are getting the information from XXXX XXXX. When I contacted XXXX XXXX they stated that they got the information from Experian. I am getting furious with going back and forth between Experian and XXXX XXXX. This inaccurate information is hindering me from getting a home loan. 

Under the FCRA, section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and or judgement all accounts ad public records hat you post o anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

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 2018-05-10
Company: EQUIFAX, INC.
State: AZ
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:
Hello XXXX XXXX continually failed to verify accounts on my credit report. I have asked for accounts to be verified nth XXXX XXXX has never responded to me. So how is expert an verifying this information. According to her phone call I had with a XXXX rep they count on the company to verify this info. That it self is wrong and against the law. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IVE HAD THE CHANCE TO REVIEW MY CREDIT REPORT AND I STUMBLED UPON A FEW ACCOUNTS THAT ARE REPORTING AS DEROGATORIES. THIS HAS CAUSE MY CREDIT SCORE TO DEOP TREMENDOUSLY. IT IS NOT FAIR TO ME BECAUSE I HAD NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL FILE. I HAVE NO KNOWLEDGE THOSE INACCURATE FILES AND I AM REQUESTING A REINVESTIGATION INTO THIS MATTER. PLEASE HAVE THESE DEROGATORY ACCOUNTS OFF MY CREDIT FILE.

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 2018-05-10
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient has raised my interest rate every 6 months, in XX/XX/2018 my interest rate went up .25 % which it now at 11.25 % I have repeatedly tried to contact them regarding this ... .they tell me too bad they can do anything they want. My other student loans with the Department of Education have been discharged because of my XXXX which Navient refuses to accept. XX/XX/2018 my interest rate went up .25 % which it now rest at 11.25 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2018, I became the victim of a {$100000.00} INTERNATIONAL WIRE TRANSFER SCAM. This money was my ENTIRE life 's savings. The fraudster impersonated XXXX law enforcement ( where I used to go to college ) and told me my SSN had been compromised. In order to be assigned a new SSN, I needed to transfer my funds to a bank in XXXX XXXX, specifically the HSBC in XXXX. HSBC 's address is : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The recipient 's information is : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I submitted a recall request on XX/XX/XXXX with XXXX XXXX XXXX to no avail. I also found out that there are at least TWO MORE VICTIMS involved in this crime, although their funds were transferred within the U.S., as opposed to internationally. I have alerted : The XXXX Police ( where I live ), the XXXX XXXX XXXX where this took place, HSBC ( formal complaint ), the XXXX XXXX Police, the ic3 ( twice ), the Criminal Investigation Division ( CID ) of the Texas Comptroller of Public Accounts, the FTC and the Texas Attorney General. There is still NO resolution. Every time HSBC responds to XXXX XXXX XXXX, they simply say they are waiting on a response from the beneficiary to get debit authority. My guess is the beneficiary will NEVER respond to HSBC since all their contact details are FAKE. HSBC allowed the fraudster 's account to be opened using false details. The bank was purely negligent in allowing the transfer to take place, as well as failed to conduct sufficient checks. Simply put : HSBC COULD HAVE PREVENTED THIS CRIME FROM BEING COMMITTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm XX/XX/XXXX I tried to buy a car and was told I had an account in collection/charged off. After reviewing my report I contacted the collection agency and they told me there was an account with XXXX XXXX opened on XX/XX/XXXX that I defaulted on. I did open an account on XX/XX/XXXX with them when I consigned for my daughter 's car but did not sign anything on XX/XX/XXXX. O was actually under the care of a doctor that day and couldn't have possibly been there to agree to another account for a car. After explaining this to the collection rep, they suggested paying it anyway to get it removed. There's no way I am going to pay something not mine so I declined. I was lucky enough to get the dealer to empathize with me and get me into a car anyway however this has been making it difficult to get any financing that isn't accompanied by inflated interest! If disputed it numerous times with all credit bureaus only to have it come back verified so I requested a reinvestigation and included the signage pages from the account I signed and from the one I received from the company after request. It's very obvious it is not my signature yet they continue to report it. I am now to the point of seeking legal advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm XX/XX/XXXX I tried to buy a car and was told I had an account in collection/charged off. After reviewing my report I contacted the collection agency and they told me there was an account with XXXX XXXX opened on XX/XX/XXXX that I defaulted on. I did open an account on XX/XX/XXXX with them when I consigned for my daughter 's car but did not sign anything on XX/XX/XXXX. O was actually under the care of a doctor that day and couldn't have possibly been there to agree to another account for a car. After explaining this to the collection rep, they suggested paying it anyway to get it removed. There's no way I am going to pay something not mine so I declined. I was lucky enough to get the dealer to empathize with me and get me into a car anyway however this has been making it difficult to get any financing that isn't accompanied by inflated interest! If disputed it numerous times with all credit bureaus only to have it come back verified so I requested a reinvestigation and included the signage pages from the account I signed and from the one I received from the company after request. It's very obvious it is not my signature yet they continue to report it. I am now to the point of seeking legal advice.

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 2021-06-04
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021 Bluebird American Express allowed to fraudulent charges to process on my account in the amount of {$1300.00} and {$880.00} and they refuse to refund my money. I received an email that charges were attempting on my account and that I added someone to my account and to contact them if that was an error. I contacted the company but they still allowed the charges to proceed. It seems like an internal theft, because typically this card puts a hold on your account until you call in and confirm the charge but for these charges they allowed them to process. I have requested the documents they used to make the determination not to refund my {$2300.00} but this is theft. I am behind on bills and this has hurt me and my kids. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion has information on my credit report which is false. I tried to file the dispute on line and there was no ability to contact them. I need the information regarding student loans corrected and my credit report reassessed as soon as possible. I have not heard from anyone in the company since telling Transunion the information was incorrect. My credit score with Transunion is listed as a D. This has placed me in a difficult situation.

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 2018-09-28
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, Im working with a client of mine to rebuild her home that was lost in the XXXX Fire in XX/XX/XXXX. We summited all details to XXXX XXXX   in XX/XX/XXXX and since that date we keep getting the run around. 
We summited to rebuild a manufactured home, we have been told that corp approvals take 7-10 business days, 5 months later and 15+ calls same answer. 
Just last month we where asked to begin to talk to a man named XXXX. Since last month nothing has happned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX in XXXX XXXX, Texas sent me to collections for a bill that was already paid for. As a XXXX XXXX veteran, I was told that the bill was going to be covered under XXXX insurance. I told the billing department before any services were being used, that it needed to be covered in full by XXXX before I used their services. 6 months later, I was told that they would cover it and that they would call me back if anything changes. 4 months after that, I received a letter a letter in the mail that I was sent to collections. They sent me no communications that anything was even owed anymore. They have had a lot of turnover in their billing department so this may be the reason why. I was told that I do not owe anything, this account needs to be removed. I was told by the billing office that they would take care of this whether it was XXXX, VA, or they would call me back if anything else was needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm XX/XX/XXXXI tried to buy a car and was told I had an account in collection/charged off. After reviewing my report I contacted the collection agency and they told me there was an account with XXXX XXXX opened on XX/XX/XXXX that I defaulted on. I did open an account on XX/XX/XXXX with them when I consigned for my daughter 's car but did not sign anything on XX/XX/XXXX. O was actually under the care of a doctor that day and couldn't have possibly been there to agree to another account for a car. After explaining this to the collection rep, they suggested paying it anyway to get it removed. There's no way I am going to pay something not mine so I declined. I was lucky enough to get the dealer to empathize with me and get me into a car anyway however this has been making it difficult to get any financing that isn't accompanied by inflated interest! If disputed it numerous times with all credit bureaus only to have it come back verified so I requested a reinvestigation and included the signage pages from the account I signed and from the one I received from the company after request. It's very obvious it is not my signature yet they continue to report it. I am now to the point of seeking legal advice.

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 2021-06-04
Company: EQUIFAX, INC.
State: AL
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 we traded in a vehicle to XXXX XXXX. 
They pay off for the vehicle wasnt revived until XXXX cause XXXX XXXX doesnt not have a physical address. My credit report is showing a late payment which needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Experian Information Solutions 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:
unknown inquiries on 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