BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
After paying {$9200.00} to pay down my credit account, my account was closed. This action by Wells Fargo is an unfair business practice and should be stopped. Had I known my account would be closed the very next day my decision to pay a significant amount of money would have been different. I am told the decision to close my account was made the very same day I rendered payment. This action taken by Wells Fargo to close my account is both reported inaccurately on my credit report and puts me in an economically and fiscally vulnerable position at the time when I find myself impacted financially by the COVID-19 pandemic. I had asked to be placed on payment assistance and for my current employment status to be taken into consideration. I am now without a job, {$9200.00} dollars, a bad credit report that is false and inaccurate during a time when the uncertainty and I find myself unemployed with no saving and unable to financially sustain. If I had known my account would be closed, I would have not made the full payment of {$9200.00} dollars given my unfortunate circumstances.

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 2021-03-29
Company: Experian Information Solutions Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Experian is reporting a collection account thats not mine. XXXX XXXX XXXX {$620.00}. I had never had a XXXX account and never will.

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 2019-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Capital one, keep updating missed payments.. thats not accurate.. Ive been making on time payments ... and its continue to hurt my credit score.. please help me.. o dont know where else to turn

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I reached out to Navient on XX/XX/XXXX Requesting for VALIDATION, NOT Verification, asking to provide me with competent evidence that I have any legal obligation to pay them. The information I asked for was : 1 ) What the money you say I owe is for ; 2 ) Explain and show me how you calculated what you say I owe ; 3 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4 ) The Electronic signature they claimed I signed, however ALL Electronic signatures has this symbol /s/ on the form, which in the case, Navient forged my name on the Electronic signature application ; 5 ) Identify the original creditor ; Pursuant to the Truth in Lending Act and Regulation Z ; 6 ) Provide a verification or copy of any judgment if applicable ; 7 ) Show me the you are licensed to collect in my state ; 8 ) Prove the Statute of Limitations has not expired on this account ; 9 ) Provide me with your license numbers and Registered Agent or Agent of Service ; AND 10 ) The Form ( s ) 1099 -OID ( Original Issue Discount ), 1099-INT, & W-9 of the account : XXXX. 
Navient ignored my request. They have reported to the three major credit bureaus invalidated information, destroying my credit. I also requested for Accounting, regarding the list of Collateral or Statement of Account, pursuant to The Uniform Commercial Code 9-210. Navient did not give me full disclosure pursuant to 15 USC 1631, including my consumer rights under 15 USC 1635. Navient prevented me from making an informed use of my credit, pursuant to 15 USC 1601. This account has been securitized without my consent resulting Identity Theft, and Theft by Conversion. This action might constitute fraud under both State and Federal Laws. Since they Reporting invalid information on my credit reports, with the three major credit bureaus, I will not hesitate to bring legal action against Navient for the following : 1 ) Violation of the Fair Credit Reporting Act 2 ) Violation of the Fair Debt Collection Practices Act 3 ) Defamation of Character 4 ) Conversion 5 ) Identity Theft 6 ) Impersonating The United States government, when you're a foreign private Corporation 7 ) Impersonating a Creditor pursuant to The Truth in Lending Act and Regulation Z ; Impersonating a Bank 8 ) Forgery of the Name Navient failed to respond back to my request. Therefore, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX  and XXXX  } request shall be sent to me immediately. If not, you leave me no choice but to bring a suit against your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent 3 different letters to Experian, ( different accounts ) that they signed  for on XXXX XXXX. Experian only responded to one of my letters, and never responded to the other two. I sent out a failure to respond letter that  was delivered to them on XXXX XXXX along with copies of each letter I sent, a copy of the one response they sent and all 3 copies of the certified tracking slips. Ive submitted complaints about how Experian has violated the FCRA by not inputting notice of dispute as well as failing to perform a proper investigation into my disputes. I recently received an updated credit report with no changes! Why were these accounts not handled properly. Experian failed to respond within the allotted time, however they still did not take the proper steps to rectify their mess up! Last time I made a complaint Experian responded they could not look into the situation because they were not sure I was who I claimed to be.

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 2022-08-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I made an complate in XXXX about my mortgage with Fifth Third Bank. Fifth Third Bank refused to resolve this this issue. XXXX XXXX has sent four applications and count less letters trying to get this resolved. I feel as though I am receiving retaliation for making a report To CFPB. For the record I am trying to resolve this so I can pay my mortgage. I feel that XXXX XXXX is purposely prolonging this process. Today when I got home I found yet another application in my mailbox. My income has not changed nor my other information. For the record I tried to answer you guys but I was unable to give my reply. Please help!! I feel like Fifth Third Bank is doing something illegal or because I am A XXXX American women. I look forward to your help. PS. I investigated Fifth Third Bank and they have had a lot of cases against them. Thanks, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX - Inquiry Date : XX/XX/2022 The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 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

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 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I printed a letter to XXXX, XXXX  & Transunion, I then mailed the letter to all three Bureaus on XX/XX/XXXX, the only Bureau that  responded were XXXX. On XX/XX/XXXX I printed the same letter advising that it had been over 30 days and I still haven't heard back from Transunion and XXXX. The letters were mailed on XX/XX/XXXX. Along with the second set of letters I set XXXX XXXX a letter per response from XXXX  and have not heard back from them either as of XX/XX/XXXX. All three bureaus is reporting a Bankruptcy on my report dated XXXX but states that it were verified XXXX. I asked for them to validate this information, XXXX  states they verified this information through XXXX XXXX. I'm aware that each Bureau has 30-45 days to respond, for  Transunion, XXXX XXXX XXXX XXXX its been over that time frame. I also contacted the courts and verified that they do not provide either of the listed parties this type of information. I'm not aware of all the legal terms when it comes to this. Since the allocated time frame has passed, this information should be deleted.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit card was reporting negative information and proof was supplied that it was mine XXXX XXXX is the company name

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 2023-08-25
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I was contacted by debt collectors by mail dated XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX for debt amount of {$5900.00} from XX/XX/XXXX. I don't know anything about this debt and there is nothing on my credit report related to this debt. 

Forster & Garbus LLP XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, N.Y.XXXX Sheriff of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ive been paying on this account # XXXX since XX/XX/XXXX. I were making monthly payments on the account for XXXX County Hospital to Receivable Solutions , Inc . I didn't know the date of service was XX/XX/XXXX. When I called Receivable Solutions XX/XX/XXXX about the payments they told me they are no longer collecting on this account. I told them why would your company still collect after the statue of limitations. Ive asked for my refund I paid of {$290.00}, The stautue of limitation was over XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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:
I noticed a XXXX Department of ED on my Credit Report in which I am not familiar with

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 2022-11-09
Company: CL Holdings LLC
State: KY
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 settled my balance with jefferson capital for XXXX XXXX XXXX for XXXX and disputed it off of my credit, but they still have it showing as charged off and I never paid anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: AES/PHEAA
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 don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: NC
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:
upon checking my credit report i saw a XXXX Account with a XXXX dollar amount which has been closed and has that balance and i haven't opened a XXXX account let alone acquired a balance of XXXX for anything. whoever stole my information used it to open a XXXX account and upon my investigation i see where there is no monthly account information where any payments have been made, but of course not it was stolen information so they wouldn't pay and that's what i have been trying to point out to the Credit Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
Portfolio Recovery Services has pulled my credit without my written or verbal consent I do not have any active account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
As of XXXX of 2020, the Colorado Housing Finance Authority is no longer offering refinancing, no FHA streamline financing or otherwise. Beause they do not offer refinancing, they are no longer willing to allow subordination on second liens they hold. Their downpayment assistance programs give borrowers the option of taking a grant or taking a silent second lien when receiving the downpayment funds. If you take the silent second option, they refuse to subordinate if you attempt to refinance the first mortgage, demanding payoff. However, when they were offering  refinance options, they had no issues refinancing. This has left many stuck in higher rate mortgages when they could easily refinance now to take advantage of lower rates. Their pushback is that these terms are in the Note, but there is not additional paperwork that says that they only subordinate if they hold the first lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: LEXISNEXIS
State: MI
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:
I am opting out of reporting my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights of privacy and copyright protection. Im requesting that my personal data be deleted from your company data base immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 explanation
Consumer complaint received 2017-12-16
Company: Diversified Consultants, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got a new cell phone number last year ( XXXX XXXX ) and this " XXXX XXXX '' company has been calling me every morning after XXXX am since XXXX of this year. And everytime I pick up no one answers, and everytime I call back to tell them to stop calling, they give me this " our representatives are busy, please hold '' spiel. I do n't owe them anything, so I 'm pretty sure my number was used by someone before me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-16
Company: Experian Information Solutions Inc.
State: NV
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 tried several times to let XXXX know that Ive never ever had a phone line with XXXX, its showing up on my credit report and has been for years. I never opened a XXXX account. Ive had XXXX since I was XXXX and Im XXXX years old now. They refuse to help me!

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 2018-08-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This is one of 3 medical bills from XXXX of 2014, I had insurance the hospital sold my information to the collection agency I am asking 5e remove them from all three of the credit bureaus. The have sent collection letters, called, and threatened me with financial hardships if I do not pay.I am a XXXX XXXX VETERAN, WITH XXXX AND 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 2020-10-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}.

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.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -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