BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-30
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have inquired with Wells Fargo several times on their XXXX disclosure. On XXXX XXXX, XXXX I rec 'd my yearly statement which showed a shortage of {$30.00}. I proceeded to pay this amount and sent in an extra {$45.00} to be applied to my Escrow. 
In XXXX. I inquired with Wells Fargo for an adjustment to my monthly payment amount based on the changing of insurance companies. I was told by a case worker XXXX XXXX who was quite rude that my Escrow " showed a shortage ''. I asked how could this be since I did pay off their statement. She said she " would research the issue ''. XXXX XXXX took almost a month to respond of which she stated in a letter that Wells Fargo handled my account " properly '' in a letter dated XXXX. 
I called XXXX XXXX once again on XXXX who put me on hold for at least XXXX minutes, who then sent me to her " team lead ''. I asked again HOW could my Escrow show a shortage when I rec 'd a disclosure on XXXX showing the amount of {$30.00}. The team lead told me to " ask my bankruptcy attorney '', of which I do not have! I was XXXX in XXXX, the case closed in XXXX. I asked why and how should I ask an attorney which is not under my employ on my Escrow, she had no answer. I furthermore inquired WHEN did they disclose ever that my XXXX showed any shortage other than the XXXX letter. The team lead had NO answer. I further asked how they could violate the terms of my bankruptcy and collect a debt of which I never knew existed. She again had NO answer! They simply desire to discriminate against me based on a previous bankruptcy of which Wells Fargo was not effected in any way! I believe the team lead thought I was still in bankruptcy as well, this is pure negligence, stupidity, and idiocy. 
Furthermore, they have taken not days but MONTHS now to respond accordingly, and when they do respond it is same ignorance of which I have inquire once again why they did not address my questions.

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 2019-08-07
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:
Equifax ; XXXX and XXXX  are reporting incorrectly a charge-off in the amount of {$6400.00} on the XXXX partial account number ****XXXX. ( Please see pages 37 and 38 of the attached credit report. ) I physically have possession of the vehicle and I make the monthly payments on time and I have never missed a payment. Please keep in mind that it would be impossible to have a charge-off on an account where there is no past due balance and I physically have possession of the vehicle. I have attached a copy of my registration card and my current insurance card showing the policy terms on my vehicle from XX/XX/2019 to XX/XX/2019. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Experian Information Solutions Inc.
State: AR
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 have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation.

In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ) you are in violation of 15 U.S.C. 1692g ( b ). Per the collection agencies response, that stated that they served me is false. I was never served. My request to them is to show proof of who they in fact served. I didn't receive notice of this said judgment until my employer notified of me of garnishments that was already in motion.

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 2017-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am not familiar with and have no recollection of requesting Credit from the following agencies and the following dates as reported by TRANSUNION, EXPERIAN and EQUIFAX. I have reached out to customer service at TRANSUNION, EXPERIAN and EQUIFAX and they would offer no assistance in taking care of removing these negative inquiries reporting to my credit report. 

TRANSUNION - XXXX BANK DE - XXXX XXXX XXXX XXXX BRKS - RDP - XXXX XXXX XXXX EQUIFAX XXXX - XXXX XXXX XXXX SYNCB/WALMART - XXXX XXXX XXXX CREDIT PLUS - XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX & XXXX XXXX XXXX EXPERIAN - XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX CARD - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX CREDIT PLUS - XXXX XXXX XXXX & XXXX XXXX XXXX EQUIFAX XXXX - XXXX XXXX XXXX EQUIFAX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX EQUIFAX XXXX - XXXX XXXX XXXX CREDIT PLUS - XXXX XXXX XXXX WORLD FINANCE - XXXX XXXX XXXX SUN LOAN COMPANY - XXXX XXXX XXXX XXXX MAIN FINANCIAL - 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 2021-11-06
Company: TD BANK US HOLDING COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 I had an unathorized charge in the amount of {$1400.00}. I contacted Nordstrom after I saw on my monthly credit card statement. I explained to Nordstrom I didnt buy anything on that date and didnt authorize any charges. Over the phone Nordstrom explanation was Nordstrom did the charge because we credit you in error. I asked them why I was never informed that Nordstrom decided to do charges on my account without my approval. I faxed to them the Nordstrom Credit card dispute resolution Form on XX/XX/2021. No written response from Nordstrom. I contacted them multiple times but was transferred from one department to next. The Nordstrom started to charge me the interest rate for the amount as of XX/XX/2021.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-06
Company: Amsher Collection Services, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today XX/XX/2021 XXXX credit monitoring notified me that I have been reported to AMSHER COLLECTION SERVICES INC, XXXX XXXX XXXX, XXXX, AL XXXX for " nonpayment '' of {$220.00} past due as of XX/XX/2021 on behalf of, XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX dba XXXX XXXX. When we moved into our new house, a false XXXX ( XXXX XXXX ) internet service account was set up in addition to our actual account with : contact, phone, and address information 1 number or letter off of my actual actual information. 

I spoke to a tech supervisor, who looked at everything and speculated that the salesperson @ sold me two networks and 2 sets of equipment for no reason simply to get the sales, and set up that account up with a false name and number. The tech suggested we just remove that network entirely, and I did that, and returned the equipment to XXXX. 

I have already disputed this with the company, with the Collections agency, and with XXXX. XXXX deleted this from my credit report on XX/XX/2021, XXXX and AMSHER did nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.EQUIFAX XXXX {$4000.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$6500.00} XXXX XXXX {$500.00} XXXX   XXXX {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 non-monetary relief
Consumer complaint received 2017-10-30
Company: Medical Data Systems, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XXXX XXXX, I received a phone call from XXXX XXXX XXXX, the collections agency, saying a small medical bill had been sent to them after the medical provider had not received payment. Come to find out, the medical provider had mailed it to the incorrect address and did not attempt to contact me when payment was not received before turning it over to a collections agency. I was in college at the time and thought my parents had taken care of the bill. I found out in XXXX XXXX that the bill had still not been paid, upon which I paid it immediately. XXXX years later, my husband and I are purchasing our first home and are applying for a mortgage. Our mortgage broker notified me that my XXXX XXXX was being severely impacted by the collections claim still appearing on my report. Although the balance shows {$0.00}, XXXX XXXX XXXX is still reporting this to Equifax, which is the score the mortgage broker uses to pull credit. MDS is not reporting it to the other credit bureaus and my scores are above XXXX with them, while my Equifax score is XXXX. Because my credit is so high without the collections claim, I called MDS and spoke to XXXX different people, all of who refused to remove the claim. I also left a voicemail with the head of XXXX who never returned my call. I also called Equifax who told me they have no control over what is reported to them and can not remove it. Obviously, my husband and I are now receiving a worse interest rate on our mortgage because this claim is still being reported XXXX years later.

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 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 out a letter to Trans union, XXXX and XXXX  on XX/XX/2021. They have yet to get back ti me and it has been several months i think they are taking advantage of me and think i do not know what I am talking about. Please help me take care of this matter. They are not respecting me. They were suppose to respond back within 30 days and if they information could not be verified as accurate within those 30 days they are suppose to remove 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 non-monetary relief
Consumer complaint received 2022-03-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2019-08-07
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2019 American Express XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX American Express notified me that I have been declined the XXXX XXXX XXXX American Express Card because I have the maximum number and type of American Express Card accounts that you allow. 

I currently have 3 cards issued to me under their brand and I am aware of numerous people that have more that 3 cards. I have : Amex XXXX Platinum ( Corporate Card ) Paid in full monthly Amex Everyday Card Open and unused with payment in full monthly Amex Platinum Delta Skymiles Paid in full monthly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
All federal debt payment has been pushed to XX/XX/2021. 
Now i getting calls and emails and letters about how i need to make my repayments now, there was agreement on how I would repay. 
I apparently get informed that I am missing a payment, even they never contacted to establish a repayment plan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Nelnet, Inc.
State: MO
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:
First of all, I did n't attend the school After about 6+ weeks. I ( formally ) a withdrew to take care of my Mother whom had early onset XXXX. I contacted the school after I I realized the U.S.Departmet of Education that the school had continued to have me listed as an active student. I applied and received a student loan discharge from " nelnet '' ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Now comes XXXX XXXX, I sent them ALL the necessary income statements, signed and notarized. Not satisfactory to them. I worked two ( 2 ) part-time jobs until my health began to decline again. I can do some work ( I have a ticket to work ). I 'm quite sure the USDE clearly has ways of verifying information, even without permission. I asked them to allot me more time to receive my W-2 's, to no avail. I need your help to resolve this matter, before they start tampering with my Social security, taxes or whatever means they need to snatch money I 'm intitled to. Now I able to work only ( 1 ) one day a week at XXXX XXXX cleaning the church. XXXX is scheduled for the first 2-3 months of XXXX to remove 2 ( two ) XXXX XXXX and and have them replaced with XXXX XXXX I 'm not THAT mobile. HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

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 2020-04-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Called to transfer funds out of a checking account and was denied service after the account was frozen without explanation. Called again and was told only visiting a branch would get the issue resolved, which is unsafe to do given the current pandemic. Today, received a letter saying that without a returned signature the funds would be transferred to the state of California. 

If this practice of inactivating " dormant '' funds isn't illegal, it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
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:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. I sent my request way past XXXX Days before but I still didn't receive anything from Equifax. Per XXXX, without any response for XXXX  Days after disputing my accounts should be considered as deleted or removed. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: EQUIFAX, 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:
Notwithstanding allegations of fraudulent charges regarding XXXX XXXX XXXX XXXX account number XXXX, said creditor has failed to properly investigate and update the account reporting status at the Equifax, XXXX  and XXXX consumer reporting agencies. The failure to report said charges as fraudulent - or to delete the offending account - has caused a detrimental impact on credit scoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: CITIBANK, N.A.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought a laptop, and applied for a new credit card with Citibank. I received one statement, and just before paying it ; my daughter indicated that it did n't work. Several of the keys did n't work. I took it back, and had a difficult time returning it. I had to wait for 30 mins while they tried to adjust the settings. It was beyond the return period, and I did n't have the packaging, so the store refused to return it. 
They directed my complaint to the manufacturer, and I refused to hassle with that. 
I left the laptop there. IN the meantime, I did n't receive another statement, or anything else in the mail from either XXXX, or the credit card company, ( Citibank ). 
I received a call from Citibank about 2 weeks ago, and when I got home, I called to dispute the charge. I looked for any add'l documentation, and have only received the initial statement. I have it on file, and see that it reflects a TOTAL balance due of {XXXX}. I just confirmed with CitiBank that they have n't sent any add'l statements and they the balance they are trying to collect is {XXXX}. I have closed the account, and had filed a dispute that I owed anything to them. I initially filed the dispute, over a phone call on XXXX XXXX. I received a collection call today, XX/XX/2017

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