BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX  XXXX XXXX XXXX : {$2000.00} ; XXXX XXXX XXXX Balance XXXX {$2100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$13000.00} ; XXXX XXXX Balance {$320.00} ; XXXX XXXX XXXX Balance {$73.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX  XXXX XXXX ) XXXX  Balance {$120.00} ; XXXX XXXX XXXX  ( Original Creditor Name XXXX XXXX XXXX  ) XXXX  Balance {$2000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$3100.00} ; XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
wells fargo mortage company did not comply with our loan modification adn would not help and send us into foreslosure and we think that we are entitiled to there lawsuit as we were victims of them!!!

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 2023-02-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
incorrect information on 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 2021-05-21
Company: Home Loan Center, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Received false, deceptive as for refinance mortgage rate 1.9apr from lending tree No credit pull I submitted my infor - my credit was pulled and no offer met their promise This was a plot to collect and sell my information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company appeared on my credit XX/XX/XXXX without proper notification as they were obligated to do in accordance to FCRA rules. I have no knowledge of this account, I do n't even have an account number as I was notified of such alleged debt by credit monitoring companies sending me alerts of new information added. The company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social however She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. From my credit report I see the original creditor is XXXX, however I sued XXXX and won as they were unable to furnish proof that the account they were attempting to collect on were mine as my social nor signature matched their files. I would advise this company to cease collection and remove ALL reporting from my reports as I have obtain legal counseling due to the selling and buying of a discharged fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Ability Recovery Services, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello I have this company Ability Recovery Service that keeps flagging my credit report for collection. On my XXXX  & XXXX  reports, I disputed the claim asking for a Debt Validation Request also mailed a Debt Validation Request to the company which is currently waiting to be picked up by the company since their mailing address is a P.O. Box. Heres the tracking number to the certified letter XXXX via USPS. I can also provide a copy of the Debt Validation Request letter sent to the company.

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 2018-11-11
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX place a collection on my credit reports. I never signed a contract with this company. I notified them to send me a copy of my contract and they never sent the contract with my signature to. If I own you money then you would have paper work. I have disputed this on my credit and it was removed on XX/XX/XXXX, now XXXX place it back on my credit report today XX/XX/XXXX. This is fraudulent. If this complaint don't work. Im calling my lawyer. Im not going to allow any mess up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
American Express Platinum Business Credit Card. I purchased a business in XX/XX/2021 and received a pre-approval for this card. I used the card to purchase items for the business. I did not realize that the entire balance of the card had to be paid in 30 days. I spent $ XXXX on business start up expenses. Obviously I thought I could finance this but I was wrong. I called American Express and negotiated a $ XXXX payment plan to pay off the balance. I make one {$500.00} payment. Then 15 days later, they turn the debt over to a collector who will not stop calling me. I callled American Express to investigate and they still have yet to investigate ( listening to the call where I set up the payment plan ). They have no record of the payment plan and refuse to work with me. My credit has now dropped over XXXX points incurring real damages to me by the inability for me to finance my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
SHORT SUMMARY : I received a wire in payment for XXXX and I sent the XXXX. After that, the sending bank claimed fraud, and my bank illegally deducted the funds from my account and send them back to the sending bank, so I've lost {$36000.00}. According to UCC 4A-211, it was not legal for my bank to seize these funds, because wire transfers are final. 

DETAILS : My business is a registered with XXXX as a XXXX XXXX XXXX. I buy and sell XXXX. On XX/XX/20 I was contacted by a customer identifying herself as XXXX XXXX, asking to purchase XXXX. Because I hadn't done business with her before, I followed my XXXX  protocol by asking for photo identification, and I received a picture of Ms. XXXX 's driver 's license and a picture of her holding it. I advised her that the name on the wire from her bank had to match the name on the ID, she said it would, and it did. On XXXX XXXX my bank ( Chase ) advised me that the sender 's bank ( XXXX  ) had notified Chase that the wire was fraudulent, and was freezing my account. I advised Chase that the wire could not legally be recalled without my consent, and that I emphatically did NOT consent. Chase deducted the wire funds from my account anyway, on XX/XX/20, over my objections. 

I contacted XXXX who told me that the customer " might have been socially engineered '' and that the FBI is involved, but would provide no further information. I attempted to contact the customer but she has not returned any of my messages.

The wire was authorized because either the customer specifically authorized it, or else she gave someone access to her account, which legal precedent says constitutes authorization. 

Ally had a responsibility to vet the transaction with its customer but apparently failed to do so. Chase had a responsibility to not return the wired funds without my authorization but also failed in that regard. I humbly request that CFPB exercise its oversight authority to hold Chase accountable for its illegal action and to return my funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: SC
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-10-23
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 {$200.00}, {$1400.00}, {$400.00}. 
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 XXXX XXXX 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.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -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
Consumer complaint received 2020-10-23
Company: Navient Solutions, LLC.
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 spoke with Navient three week ago l had received a letter stating l needed to make payments. I Express that l had received statement that we did not have to make payments during the Corono Virus Pandimic. Lady then stated she wanted to send me some papers to sign so l would not have to pay my loan for one year, l would have to sign these papers every year. As long as l was on Social Security and l did not get enough to pay my loan. I sign the papers Navient sends me, a letter today with three different amounts. XXXX, another XXXX, another XXXX. This is incorrect, inaccurate, and misleading. Several years ago l made my student loan payments. Navient continued to add interest while l made payments. 
The lady l spoke with stated she was sending me papers to sign so that l would not have to make payments for one year. She lied to me. I sign the papers then l receive these papers with these amounts. I am contacting The U. S. Consumer Financial Protection Bureau,. I would appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022 I received a summons to appear form XXXX XXXX XXXX XXXX represented by Blitt Gaines PC. I never received a notice that I could dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Filed a dispute with Experian, about an item on my credit. From XXXX, result on my credit report indicated that it was in chapter XXXX bankruptcy.That is in correct never filed bankruptcy. This item should be removed from my credit all together medicredit did not inform me of missed payment in XX/XX/XXXX, however they took payment in XX/XX/XXXX and never reported me until I called to make a payment.

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 2020-02-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX account numbers XXXX and XXXX both reporting inaccurate balances and is showing multiple charge offs and doesnt show date closed please delete for multiple inaccuracies.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been charged XXXXXXXX XXXX XXXX in overdraft fees over the years.

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 2018-11-10
Company: Experian Information Solutions Inc.
State: ID
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 written several letters of dispute to Experian requesting to remove invalid and inaccurate information from the Credit Report they are selling to their clients about my credit worthiness. I have requested that the company supply me with the method used to verify this inaccurate information in a letter on XX/XX/2018. I did not receive a response to the method used or my questions on how their information was verified but rather a form letter saying it was accurate. The questioned and inaccurate reporting of accounts listed on the report remains as they were. The accounts are XXXX XXXX XXXX, XXXX 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 2021-08-08
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I complained that PAYPAL company illegally misappropriated user refunds and refused to return the original payment bank account! 

I received a prepayment refund of {$520.00} from XXXX on XX/XX/2021, transaction number : XXXX. After PayPal received the refund, it did not return my money to my original payment bank account, and sent a misleading email telling me that I received the refund from XXXX, but it was not very clear at the end that the refund did not arrive. Account. I did not find the bank account information until 3 days later, and entered the PAYPAL account to find that the money was still in the PAYPAL account and was illegally embezzled {$15.00} by PAYPAL. 

I immediately communicated through the PAYPAL website, but PAYPAL 's customer service found various excuses to refuse to refund my payment and part of the misappropriated money. When I pointed out that the reason for the misappropriation of the customers money and non-refundable was unfounded, the customer service said that the manager XXXX would reply to me. I gave 5 days to process it. XXXX only replied after 3 days that she would refund me {$15.00}, but still Refusal to refund to my original bank account. 

After I insisted that I had to refund {$520.00} to my original bank account, and told her that I needed to use this money to pay for the living expenses of my family, XXXX ignored my request and did not refund the illegally embezzled {$15.00}. 

As an international company, PayPal takes advantage of XXXX peoples inability to speak out through international social media, and it is shameful to use this blatant illegal and criminal behavior to infringe on the interests of XXXX users. It also disobeys the United States values of integrity. I hope you can help me. To preside over justice and severely punish PayPal, I will also request public support through social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Convergent Resources, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been harrassed by Convergent by phone calls from multiple numbers after telling them I have not been employed for almost 4 months and haven't been approved for unemployment benefits since the XXXX of XXXX and that I would contact them when I would be able to set up any type of payment arrangements. They will not leave a voicemail stating the company 's name and to in which why they were calling. I have blocked many numbers due to the many multiple calls from varying numbers. I am not satisfied with the manner in which they conduct their business. This is blatent harassment!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Social Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I received an alert that a 30-day late payment was reported on my SoFi account. 

The 30-day late payment is inaccurate. I made an online payment on XX/XX/XXXX for the amount of {$1600.00}. I spoke to one of the customer service representatives and was told that although I made the payment on XX/XX/XXXX, the credit did not post until XX/XX/XXXX. I requested to have this corrected, and honor the actual payment date and not the posting date.

He suggested I email customer service.

I did, and was told to call in. I called in on XX/XX/XXXX, and I told another customer service representative what happened. She said that she can only see the posting date. I said that is inaccurate information and I need to speak to someone in the credit reporting department. She said I should send in a letter. I said I need to speak to someone and this was over my 5th attempt to resolve.

Company response to consumer: Closed with explanation