BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
About a month ago I requested to change the address for a credit card in my name that is for a XXXX XXXX that I serve on its XXXX. I was initially told that it could not be done without another XXXX members okay. I subsequently found out that the address for the credit card statement was in fact changed however to my personal address. When I attempted to fix this I was again told that I could not accomplish this without another Board members okay. However within an hour of this as I was directing another XXXX member to assist me in this change I received an alert that all of my personal account documents were going to be forwarded to the XXXX XXXX that is in another state. I immediately contacted another bank representative and was told at the conclusion of my conversation that all was corrected. A day later I received another notification that my personal credit card statement was to be forwarded to the XXXX XXXX. Because of the continued incompetence of the bank representatives via telephone conversations I decided to visit my local bank representative and at that time she corrected all the previous mistakes. 
My concern in this situation was that had I not kept on top of this my personal banking and credit card documents would have been accessible by someone that I did not provide access. 
My initial conversation occurred in XX/XX/2018. My subsequent conversations were on XX/XX/XXXX and XX/XX/XXXX. I visited the bank personally on XX/XX/XXXX. On XX/XX/2018 I was contacted by an executive with the bank and I reiterated all that I have mentioned above. When I asked what would be done I was told that they would investigate and take necessary action. I then asked that a letter be sent to me describing what was done and to acknowledge our conversation and was told that the bank would not do that. 
The bank is 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 non-monetary relief
Consumer complaint received 2018-05-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX/XXXX XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX/XXXX XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 2021-05-25
Company: Westlake Services, LLC
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 account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2018-06-26
Company: EQUIFAX, INC.
State: VA
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:
I was looking at setting up a XXXX account and they said that they would have to pull my credit is that OK? I said Id rather not I just got a car so I already have some inquiries on my account the guy said OK thats fine I have a way to do that let me ask my supervisor and grab the form I need he asked me five questions about my credit history and was able to tell me right away that I was in the clear for an account. however several days later a hard inquiry is now popping up on my account that I specifically did not authorize. I reached out to XXXX and they didnt know how to help me they said to reach out to an agency. I submitted a dispute to Equifax and it came back as a normal inquiry of course because they didnt have any background on its I need to take it off my credit because I did not authorize it and it is affecting my credit which I have worked very hard to build. My call is probably recorded I am sure that XXXX could verify that I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Nelnet, 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: Account status incorrect

Complaint:
I have 8 loans in 1 account. Two of the accounts are report as " collection ''. After calling Nelnet they said the accounts are not in collection, and that they do not send accounts to collection. They would not change the status until I made the account current. 

From a consumer perspective, I make 1 monthly payment, into 1 account. It looks and feels like 1 account. When the account falls delinquent, they report all 8 accounts to the credit bureaus as delinquent. Every loan in the account has different payment structures and the way the payments are applied are very confusing to the consumer. I called into Nelnet for an explanation and frankly it is not remotely similar to any experience consumers have with other creditors. It unfairly reports these delinquencies as multiple delinquent accounts causing severe damage to a consumer 's report. I believe this puts the consumer at a disadvantage. 

The account manager ( I have the name ) admitted to me that the accounts are very difficult to understand unless you do it every day. He also said the DOE 's billing and payment methods are very different than that of other creditors. I work in financial services, and that just sounds very suspicious, and misleading to consumers. Please feel free to reach out for specific detail and examples.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a complaint from XXXX XXXX against Mercantile for Mercantiles failure to provide requested information for the debt alleged. Consumer,  XXXX, received a demand letter from creditor, Mercantile. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/XXXX, Mercantile responded providing only statements. On XX/XX/XXXX, XXXX sent another letter requesting more information, specifically information which shows ownership, as Mercantile is not the original creditor. On XX/XX/XXXX, Mercantile again responded with the same information as its XX/XX/XXXX letter. 

Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My account was closed because someone stole my checkbook and tried to deposit the checks into my account. Wells Fargo closed my account after I called in telling them that I did not do this. 

They told me I would be able to open another account after the account was fully closed. I have since been denied to open another account. 

I was told i am ineligible until further notice.

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 2023-01-09
Company: Halsted Financial Services, LLC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company Halsted financial contacted me via text and possibly phone in regards to a debt that does not belong to me. Per the link that was sent, you a prompted to put the last four digits of your social in ( in which I did ) and it brought up this account. I called and spoke with a representative and I was given the run around in which I asked to speak with a supervisor. XXXX  ID # XXXX on XXXX XXXX XXXX XXXX XXXX cst I spoke with. I truly want to believe this is her name because Ive been given false information by another company before when Ive escalated. She could not give me the reason why I was able to pull this account up with the last four of my ssn. The back office will be getting the account but, I feel my info has been sold or they have stolen it. Can this matter be looked into because I should not be able to access anyone elses account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Binance US locked me out of my account on XX/XX/21 at XXXX ET for an unknown reason. When I tried to login to their website, a pop-up said to contact customer support to unlock my account. I contacted Binance Customer Support immediately. I have now been waiting for over 3 days for my account to be unlocked. 

I had close to $ XXXX in cryptocurrency in the account at the time it was locked. That has now gone down to about $ XXXX and I have no way of controlling my losses given my account is locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020, my account was closed. On XX/XX/XXXX and XXXX i received a deposit for {$540.00} then for {$190.00} totaling {$730.00}. I was told a cashiers check would be sent out in 10 days when i called on the XXXX of XXXX. On XX/XX/2020, the funds were supposed to be getting mailed out. On XX/XX/2020, i called in to find out my funds are flagged for review. Since then ive progressively went from calling daily ( by their request ), to weekly. It is now XX/XX/2020, and ive put in multiple request, spoken to multiple agents at bank of america, and yet the biggest update i received was about 2 weeks ago when a supervisor stated she's emailimg the back office and the review team and her boss as well to get this resolved. Unfortunately when i called back earlier this week there was only a note on the account that stated i will be getting my check, but theres no update from the review team, no estimated or confirmed date to send it, nor any information on why it can possibly be taking this long. During this whole process i received 3 letters. One saying my account was closed, one saying my account is under review, and the 3rd being a monthly statement.

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 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i did applied for a loans XXXX XXXX XX/XX/XXXX, The XXXX  report was seriously delinquent.credits obligations unpaid. I had called XXXX and they toll me that there is an open unpaid account ; Reference # XXXX Creditor XXXX XXXX XXXX. Date XX/XX/XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. This is not my adress.I had never live in the XXXX. XXXX advised me to call the collecting agent XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX, WA XXXX, TE.  XXXX e-mail XXXX They told me that if i paid they will removed the delinquency report, I did explain to then that the debtor is not me, that is noit my account but i did paid and trhe satisfaction was in full. XXXX notified XXXX, XXXX investigated and the y found the account is fraud.They promess me to removed the delinquency report, More than 40 days they did not remove.Last week i did applied again to city bank and still they repor Delinquency Please 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 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
on XX/XX/XXXX I see that I have of inquiries that ive never apply before. 
Since XXXX I 'am a victim of identity theft and I contact each and one of the Credit beur to report the Fraudulent Inquiries company that requested my credit report to obtain services or credit cards that I've never apply before and I was told by Transunion that I have to make a police report I went to the police department and made the police report to Transunion and contact them by phone and by mail and their customer service would not help me or take care of the negative inquiries reporting to my credit report. that I never requested credit. 
these are the inquires that were made by someone who stolen my identity to obtain credit. 

1.XXXX XXXX XXXX - XX/XX/XXXX 2.XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX 10.XXXX XXXX XX/XX/XXXX 11.XXXX XX/XX/XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13.XXXX XXXX XXXX, XXXX 14.XXXX XXXX XX/XX/XXXX 15.XXXX XX/XX/XXXX 16.XXXX XXXX XX/XX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a cash advance fee on XX/XX/2020 in the amount of {$65.00}. I had a chat session with XXXX at Citi Bank and I asked for an explanation of the charges since I never obtained a cash advance. I asked for a refund and I was turned down. She explained the charges were due to using XXXX transferring money on XX/XX/2020. I told her that I did not know that was considered a cash advance and I demanded a refund but she would not give it to me. 
When I used XXXX, I did not know that the transaction would be considered a cash advance. If I knew that, I would have not done it. I explained that to XXXX and she threw the book at me. 
XXXX, nor Citi card informed me this would be considered a cash advance, therefore, I would like to file a complaint against both companies and I would like Citi to give me a refund in the amount of {$65.00}.

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 2018-05-02
Company: SYNCHRONY FINANCIAL
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The contract was ended in 2016. The debt was written off by the company in 2016. This is no longer a valid debt. No valid contract exists.

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 2018-12-13
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
WESTERN UNION FINANCIAL SERVICES , INC. XX/XX/2017 somebody used my name and at western union money transfer signed me as Co signer for there personal guaranty with my consent amount I came to found out is this person used me as an Co signer Western Union Financial Services , Inc. in connection with a debt our client claims to be owed to them by XXXX XXXX in the amount of {$18000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit score dropped 57 points in three months so i investgated this and found that the collection agency did not do the homework .They are saying i owe XXXX {$87.00} and i called XXXX and they said sir all you past accounts with us were paid in full and you owe nothing to XXXX.So i called the collection agency and the girl told me they do not have my social security number on the account that is owed.So i ask XXXX XXXX the collection agency supperviser how this happened and she said she did not know, I asked her to get my credit score back to were it was before the falsely acused of owing XXXX money it is someone elses social security that they are looking for not mine.The collection agency is ( SouthWest Credit Systems ) ( XXXX ) XXXX.Ask for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a collection account that is inaccurately reporting on my credit reports from XXXX XXXX. I have sent letters asking them to verify and validate the collection account as it is not mine and I have never ever did business with them. I am claiming it to be identity theft and someone is using my information for this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
THIS IS XXXX XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! 
Have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Experian Information Solutions 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:
Hello i went to the bank to get a home loan and when my credit was pulled i noticed many fraudulent accounts. this is stoping me from obtaining a home and obtaining credit.

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 2018-06-26
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed on my credit report that Telerecovery placed a medical debt on my credit report. I never received communication from them to try and dispute the validity of that. It was just placed on my report. I asked who the debt was from and they said XXXX XXXX. I told the agent that this could not be right as I have have health insurance. I stated that the amount could not be right. I pulled my credit once again and the company didn't even update the fact I was disputing the debt. I check the Lousiana Secretary of State to determine if this company is even registered in the state and they were not found. I want this account removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation