BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have had this debt for XXXX years and have paid it on time, every month. Due to the covid pandemic I lost my job and alittle bit of my way. In XXXX, I paid {$190.00} XXXX  days late, which incurred a late fee. Then in XXXX, I paid XXXX times by accident of a total of {$390.00}, incurred another late fee, but it was ON TIME and OVER the amount. XXXX, I paid XXXX again, {$390.00}, received another late fee was received. I finally called and the executive office said don't worry they would investigate it and get it resolved and send correspondence, received nothing. Still getting late fees every month. Where did my money go? Did they steal my money and charge me late fees??? If this isn't fraud I don't know what is? 

XXXX # XXXX Spoke with XXXX XXXX XXXX from the corporate office This bank should be shut down for fraud, negligence, robbery, these are a bunch of XXXX. SHUT THEM DOWN. I want my late fees waived and my money put to my account. They have {$780.00} of my money! It mean nothing to them as they steal more than that I am sure, but for someone who is unemployed, not getting unemployment, that is a matter of feeding my XXXX children!

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 monetary relief
Consumer complaint received 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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've contacted the 3 major credit bureaus several times about unauthorized inquiries on my consumer report. yet i have yet to receive any response or see a update to 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
Consumer complaint received 2021-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XX/XX/2020 : I sent a certified letter to Transunion requesting they verify the bankruptcy report on my credit report. They responded that the information was verified by XXXX. XX/XX/2020 I sent a letter from the court and confirmed that the bankruptcy was not verified by XXXX and removed from my credit report. I sent a copy of the letter from XXXX and the courthouse to Transunion m, so they would remove the inaccuracy. Transunion did not remove the information and is refusing to reopen investigation.

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 2019-02-25
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receive multiple calls a day, not every day, but on the days they do call there are two or three calls. They won't say who they are until I verify specific personal information ( DOB, SSN, address, etc. ) which I will not do. They will not stop calling, I have asked them to not call, send mail. I have told them they do not have the right number, they still call. I block the number, they call from a different one. It really has to stop- I work and these calls are disruptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: EQUIFAX, 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:
Since XX/XX/2013 I have had constantly fight with XXXX, Equifax , & XXXXn to take inaccuracies of my credit report and at the same time I also been notified by all three companies. My information had been breached. They neglect to report properly so my scores stay low, when they report inaccurate information I dont get a descent rate on auto insurance. This is the impact of their negative practices

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since XX/XX/2013 I have had constantly fight with XXXX, XXXX  , & TransUnion to take inaccuracies of my credit report and at the same time I also been notified by all three companies. My information had been breached. They neglect to report properly so my scores stay low, when they report inaccurate information I dont get a descent rate on auto insurance. This is the impact of their negative practices

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 2019-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One, XXXX. Box XXXX, XXXX XXXX XXXX UT XXXX I pulled my credit report and it showed a hard inquiry from Capital One. I contacted Capital One back in XXXX and they advised it was definitely fraud and they would forward a letter to the credit bureau to advise of the error and it would take approx. 90 days to resolve. I called after the 90 days and the issue still and the issue has still not been resolved. I phoned Capital One again and they advised I would need to provide a copy of the credit report! I asked why as they admit it was fraud and it was on their end. 

I need assistance getting this hard inquiry removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX XXXX XXXX XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: Experian Information Solutions Inc.
State: RI
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 concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account and bankruptcy have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. .The error has hurt my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a home.

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 2019-06-05
Company: EQUIFAX, INC.
State: NC
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:
Issue : There was a fraudulent hard inquiry on my credit report from XXXX XXXX XXXX and my main address was changed to a fraudulent address. 

Action Steps : 1. XX/XX/XXXX - I called Equifax to inform them of the fraud, they said you need to request a letter from XXXX XXXX XXXX that it was a fraud and they will remove the inquiry and address. I called XXXX XXXX XXXX for the fraud, they sent a letter to Equifax to remove the inquiry. 
2. XX/XX/XXXX - I called to follow up, Equifax received the letter by mail and by fax, but now they need a formal dispute to be filed for the inquiry to be removed 3. XX/XX/XXXX - I submit the formal dispute, XXXX XXXX XXXX sends another letter stating the inquiry should be removed because it was their error, but Equifax now says, you need to have XXXX XXXX XXXX call the Equifax department to remove the inquiry. I called XXXX and they said they do not have a group that does calls because it is unreasonable for them to call every agency for every credit issue - they sent another letter 4. XX/XX/XXXX - Equifax will not remove the hard inquiry and I am frustrated that Equifax is the ONLY agency who is making it impossible to remove the hard inquiry. 

I can send all documents requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: SYNCHRONY FINANCIAL
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Mass amount of daily calls from Lowes Credit card. Sending them a letter asking them to stop. 

call log Monday XX/XX/2018 XXXX XXXX, XXXX Sunday XX/XX/2018 XXXX XXXX, XXXX, XXXX, XXXX Saturday XX/XX/2018 XXXX XXXX, XXXX Friday XX/XX/2018 XXXX XXXX, XXXX XXXX, XXXX, XXXX Thursday XX/XX/2018 XXXX XXXX, XXXX, XXXX, XXXX wednesday XX/XX/2018 XXXX XXXX, XXXX Tuesday XX/XX/2018 XXXX XXXX, XXXX, XXXX Monday XX/XX/2018 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 non-monetary relief
Consumer complaint received 2021-11-27
Company: Nelnet, 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:
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. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : DEPT OF EDUCATION/NELNET

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
ALL CREDIT BUREAUS THAT MY DAD PASS AWAY ON XX/XX/2008, THE ESTATE XXXX. XXXX XXXX XXXX, SEE ATTCHED.. WE ARE EXECUTORS OF THIS ESTATE EFFECTIVE XX/XX/2008.

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 2019-02-25
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been employed with a government entity since XX/XX/XXXX. In XX/XX/XXXX, I received notification from XXXX XXXX that 74 qualifying payments, 46 remaining payments, and that my estimated eligibility for loan forgiveness was XX/XX/XXXX. This information was consistent with information I had received up until this point. 

Then, out of the blue, My XXXX sent me a letter dated XX/XX/XXXX, changing my qualifying payments for my XXXX XXXX XXXX XXXX and my XXXX XXXX   XXXX XXXX. Now these XXXX loans had different number of qualifying payments. My XXXX XXXX XXXX XXXX had only 54 qualifying payments, and my XXXX   XXXX XXXX XXXX had 74 qualifying payments. I immediately contact XXXX XXXX for an explanation of the differing qualifying payments. They indicated they would do a recount. Its been over 1 year and the issue is still not resolved. 

The loans are consolidated. There is no reason that the subsidized loan and the unsubsidized loan should have a different number of qualifying payments. 

It is now XX/XX/XXXX. My subsidized loan has 67 qualifying payments. My unsubsidized loan has 87 qualifying payments. My XXXX needs to get this fixed so that it is resolved by XX/XX/XXXX, my date of PSLF forgiveness eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
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:
XX/XX/2018 I submitted a dispute in hope of correcting information fraudulent account on my personal credit, however ; nothing was ever addressed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: OK
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:
What is going on with the credit reporting agencies, specifically Equifax. How did they let 143 million accounts get hacked. This is unbelievable. I have spent the last hour trying to lock all of my three credit reporting agencies accounts without success on the prime culprit, Equifax. I am beyond livid. Someone is not doing their job.
How did this information get delayed two months while the execs of Equifax exercised their stock options?
Someone needs jail time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I walked inside the bank like 3 years ago to open a account and I was denied because of fraud done by some lady open a account with my information and every bank I go to I am denied a account this is unfair because of someone's actions not mine I need this resolved it's been 4 years and I haven't never had a bank account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We had leased a XXXX XXXX and we returned it on XXXX XXXX, XXXX to the dealer as lease had ended. 
On XXXX XXXX, XXXX we received a letter from XXXX XXXX XXXX indicating that we owe {$210.00} in taxes for same car for the period of XXXX XXXX to XXXX XXXX. 
We contacted XXXX and explained that we returned the car previous year and that we should not owe any money. XXXX Said that they would investigate further and then 13 days later on XXXX XXXX, XXXX we received a letter from XXXX XXXX XXXX, a collection company, they said that we must show a return receipt from XXXX dealer for the car, which we did. we also sent a receipt from XXXX County indicating that they will credit the amount of {$210.00} to XXXX for the XXXX car taxes. We also received letter from XXXX County indicating that XXXX finance owe us {$51.00} for the car taxes from XXXX to XXXX XXXX. 
After repeated calls from XXXX the Supervisor told  us " Good luck " if you do n't pay. 
Attached all documents

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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: Account information incorrect

Complaint:
I have filed a dispute with the credit bureaus about the company for reporting incorrect information. They are reporting I have two accounts with the same account number with different balances to the credit bureaus. Besides double reporting and trying to collect on the same account. It has also passed the statue of limitations. The account was open on XX/XX/XXXX. The first payment was due in XX/XX/XXXX. No payment was made which makes the first date of delinquency XX/XX/XXXX and it should have been removed from my credit report in XX/XX/XXXX. They also reported no information until XXXX to the credit bureaus, which too is inaccurate. Reporting should have began when the account was open and included the actual first date of delinquency- XX/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 explanation
Consumer complaint received 2023-01-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In all my previous letters I have written to contact me BY MAIL ONLY, Wells Fargo Agents keep calling my wife business phone number, and they also told my wife they lost my phone number. A Wells Fargo Agent Call today from ( XXXX ) XXXX ; she told my wife that Wells Fargo does not have my phone number and that's why they keep calling her, I have been having business with Wells Fargo since 2013, so, I don't understand how they lost my phone number, regardless of it ; they are harassing my wife with their calls and they really don't understand I just want to communicate by mail.

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 2020-05-28
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:
UNVERIFIED ACCOUNT. Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully XXXX XXXX compliant.

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 2021-04-08
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/27 a representative from XXXX XXXX visited our home to quote a replacement window project. Towards the end of the visit my spouse and I told the representative that we're still shopping around and not committing to anyone yet for the project. The representative recommended we do a " soft '' credit check so if we decide to go with them, it will streamline the process for financing. We agreed again stressing it was for only a soft check. Less than a week later, I received in the mail from Wells Fargo a XXXX XXXX  credit card with a $ XXXX line of credit and account agreement. I closed the account with Wells Fargo and requested a Bureau dispute as we did not agree to open a line of credit. This compliant is to report misleading sales practices with 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 non-monetary relief
Consumer complaint received 2018-04-16
Company: McCarthy, Burgess & Wolff, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The female employee of this debt agency called my phone was very hostile to myself and she even threatened me with excessive calls. I was told to not answer anymore calls from the person. She was very unprofessional to the point that we had to block the phone number

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Advance America, Cash Advance Centers, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I got a few calls from this company and they listed their name on my voicemail ; now my wife knows ... .. We're getting a divorce ... .. They should never say their name on a voicemail .. Please help and stop them ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: SLM CORPORATION
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Contacted them due to the fact my student loans are for XXXX XXXX   They informed me that because the school closed after I dropped out, that I would not qualify for loan forgiveness. 

I had mentioned to them 3+ times that the school was shut down for fraud which concludes my student loans are fraudulent. They sent off my account to a different department and I've never heard back and keep getting run around. 

They are not holding up on the holder law with my fraudulent loans

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation