BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-10
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ProCollect placed a {$230.00} charge on the XXXX  web site ( the creditor name was XXXX/XXXX XXXX  ) and was placed on my credit report.

I contacted ProCollect and after 5 minutes ProCollect realized they had the wrong XXXX XXXX XXXX they were pursuing ( my DOB is XX/XX/XXXX, the bad guy was XX/XX/XXXX). I have the Manager of ProCollect contact information as the Manager apologized to me several times about the mistaken identity against me and the case was immediately dropped against me. I then disputed this case at least 4 different times to XXXX to drop this " closed '' case against me ; but for reasons unknown XXXX  refuses to take this fraud off 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 2018-04-19
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Someone gained access to my Wells Fargo Checking Account and my phone number. The individual was able to register a mobile device, change my Wells Fargo password and set up XXXX and use XXXX instant pay to make a fraudulent funds transfer without my authorization ( {$2400.00} ). I received a phone call regarding a fraudulent transaction at XXXX on XX/XX/18 from someone impersonating a Wells Fargo representative shortly before the unauthorized XXXX payment was sent to an unknown individual in Florida . After receiving the emails notifying me of the unauthorized XXXX payment I called Wells Fargo to report fraudulent activity with my account and to stop all pending payments in all forms ( XXXX XX/XX/18 ). My username and password were changed immediately. Wells Fargo claimed they would open an investigation but stated the chances of getting my money back are slim. I feel there is a lack of security features offered by Wells Fargo preventing this scam from occurring. Only after this event did Wells Fargo recommend a 2 step verification process ( verbal password added ). What happened to me is similar to what happened to the individual in the article ( XXXX  : XXXX ). This morning when I accessed my Wells Fargo account with a new password and new username the payment was still 'pending ' but now at XXXX MST the payment cleared. Wells Fargo should have been able to cancel/stop this fraudulent payment yesterday when they were immediately notified of the fraudulent activity.

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 2018-12-07
Company: R & R Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Contacted business R + R Collection Services through XXXX XXXX XXXX and requested proof of notification, signed certified letter etc. that shows that I was given notice before derogatory information was listed on my 3 credit bureaus. I requested that they remove upon making payment for that reason but business has refused to remove negative information.If Business can provide written proof of notice before the date they put negative information on my reports I will drop complaint immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: WELLS FARGO & COMPANY
State: AZ
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:
Never dealt with Wells Fargo ever. My situation is I was dealing with XXXX XXXX  in XX/XX/XXXX. & XX/XX/2018. I applied with this bank for a credit card so that later I could ask for a balance transfer upon approval. This is the banking style and credit card services that I have been accustomed to. Apparently, this bank has a whole other realm of procedures that they follow. I went in unaware and unprotected not knowing this. The methods they employ seem to set you up for errors. On the online application is an option for a Balance Transfer. I chose it, since I do not lie regarding my banking goals. I filled in the info for this transfer, only as a precursor of things to come as a request. I did all this based on what I did expect from a bank, not on what they would bind me to and impose upon me. All the while I wasn't feeling well. One thing led to another from thereon, as will be seen in my attached documents. When one does not feel well, the fine print doesn't seem important as some Terms & Conditions and options to cancel out, are discovered only after the fact of hitting the application " Submit '' button. From my correspondence to Wells Fargo, I do not believe they will yield in any way, nor in a compassionate stance. So, I implore this Bureau to do your best for me in regards to contacting them on my behalf, or other helps.

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 2018-12-07
Company: EQUIFAX, 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:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Equifax failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX , XXXX XXXX, XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My home-based business slowed down in past year. 
I applied for Mortgage loan modification and assistance from my lender. I'm still processing this application with the lender.

One stranger has been pasting demand notices on my front door stating that he bought my house at foreclosure. He's threatening to evict me from my house.

This is my primary and only residence. I may become homeless.

I'm interviewing for full time employment while reorganizing my business.

I want to keep my house .... 

Please help me .... 

XXXX XXXX XXXX XXXX XXXX XXXX Georgia 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 2019-01-04
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out financially, mentally, emotionally and physically continuously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called on XX/XX/XXXX as I had a question on my mortgage. When verify my identity they asked for my mailing address I gave XXXX XXXX XXXX XXXX XXXX, MN. XXXX. They said we have a different mailing address I said I have never changed my mailing address. They said they received the change of address via USPS XXXX XXXX XXXX. This address change was changed by Chase on XX/XX/XXXX. They have sent mail to the address of XXXX XXXX XXXX XXXX XXXX, MN. XXXX. I reached out to the USPS and after several calls I requested in writing that the USPS did not have any change of address for me & he checked with XXXX & they have no record of any address change. I demanded that Chase send me a copy of the address change they received. They stated they can't do to other addresses. I stated black out the other address 3with only my address showing. They said they can't send per Management @ Executive office Chase XXXX XXXX. I asked if he contacted the person my my e-mail I received from USPS ( see below ). XXXX indicated he checked with their contact with USPS. Chase has compromised my identity. They have offered me free credit monitoring ( which is the least they can do ). Since they refuse to send me the documentation of their receipt of address change. It also took them 2 weeks to even change the mailing address back to XXXX XXXX XXXX XXXX XXXX, MN. XXXX. This has caused me undo anxiety, major stress and they told me they could not provide me compensation for their error. I am requesting your assistance in this matter. 

Change of address XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX   To XXXX Quick reply allReplyForwardDelete XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, MN XXXX Dear XXXX, As I stated in the voicemail I left for you on XX/XX/18, I have searched our change of address system and there is no change of address for you out of XXXX. I also checked to see if there a change for you going into XXXX, which there was not. 

I also called the XXXX XXXX phone number to see if they have any record of that either, which they do not. XXXX XXXX is XXXX XXXX XXXX  XXXX data base that businesses use to be notified of changes of address. Since they do not have anything, I cant explain where your mortgage company got this information. 

If you have any other questions, feel free to give me a call. 

XXXX Consumer Affairs Associate XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: Experian Information Solutions Inc.
State: OR
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:
My name is XXXX XXXX XXXX. This has been my legal name since XX/XX/2016. 

Since XX/XX/2016 I have provided information to each credit agency multiple times to update my name. They refuse to do so. 

All of my accounts are in my correct legal name, XXXX XXXX XXXX. None of the credit agencies will remove my old name, XXXX XXXX. 

Because of this, absolutely no credit is working. I have had devestating medical costs and can not get a loan because of this inaccuracy that they REFUSE to fix. 

Until this is fixed, I will be denied again and again because no one can " confirm my identity '' and they " suspect fraudulent activity '' I am in tears trying to fix this. I absolutely need help. 

I have contacted XXXX 3 times this past month to fix this error and they refuse to do so. If anything, they have solidified that I somehow have 2 legal names. This is incorrect. 

In XX/XX/2016 I had my drivers license legally changed, my social security information legally changed, and have submitted Notarized Court Orders with my updated name. 

I have no recourse and no options left. I will never be able to access credit because of these three agencies and their refusal to correct 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 2019-01-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello This is regarding the very first complaint I filed on USAA. After the President contacted me he left a message on my phone regarding the reversal and re crediting of the XXXX back on XX/XX/XXXX. They gave the money back to me after speaking with you several times and them contacting me stating they worked things out by recategorizing the dispute. I still never received the merchandise from XXXX XXXX and it was never sent back out. I uploaded statements from the usps oig as well to support my statements and today someone made a banking error and re reversed it the 2 nd time Again. After it was fixed by higher personnel. I need assistance in this matter and would like to speak with the President cause they told me it would be given back. This should not have occurred. Attached is a copy of my banking all you have to see is how they rereversed it 2 times on the ledger. It is regarding the XXXX XXXX package I never received and that was also reported sent back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: SOUTHWEST COLLECTION SERVICES INC.
State: LA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent this dispute to XXXX  to get this erroneous information disputed and taken off my credit profile for numerous of reasons, they are reporting incorrect and inaccurate information. This company hasn't showed any kind of deficient validation to this fraudulent account. Someone stole all my personal belongings. Also this company has took 40 something odd days to respond and I haven't had any type of correspondence from them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Nelnet, Inc.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In XX/XX/, I retrieved a copy of my credit report. I noticed that the XXXX XXXX  XXXXNelnet was reflecting that I was 90, 120, and 120 days late respectively for the months of XXXX through XX/XX/. I immediately began the dispute process with the credit bureaus. The responses were that these accounts were verified as accurate. To that end, I reached out to the Office of Consumer Advocate for student loans ( see attached letter ). My primary concern is that for all of these accounts in XXXX of XX/XX/XXXX, I was ok with my payment history, yet in XX/XX/ ( 30 days later ), they reported that I was 90 days late. How so? 

In my communication to Nelnet, I specifically stated that I keep all of my records regarding student loans and I take full responsibility of my obligations ; however, I would like them to investigate their reporting for a mistake made on their end. Further, I requested that they provide me copies of all supporting documentation that substantiates the accuracy of their reporting. To date, to no avail. It has been well over 60 days from my initial request to them and I am yet to hear anything from them. I sent my dispute/request for investigation letter to them certified with a return receipt, yet I have not received any acknowledgement from them. The entries are not inaccurate and appear to be unverifiable given that I have not heard from them ; therefore, I am requesting that the status of my payment history reflect that I was ok and current for the months of XXXX, XXXX and XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I disputed account XXXX XXXX account # XXXX showing charger off for {$4000.00}. EQUIFAX HAS NOT PROVIDE ME WITH PROOF OF ACCOUNT THATWAS SUPPOSED TO BE VERIFIED BY EQUIFAX. ALSO ITS BEEN OVER 30 DAYS AINCE I DISPUTED IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: BYL Collection Services
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Supervisor, This is a medical debt that wasn't properly billed through established medical insurance. 
The host company called XXXX, XXXX. only billed XXXX and not XXXX XXXX XXXX XXXX XXXX for the remainder. This balance has to be billed as agreed with XXXX insurance after the XXXX part. This entire bill is indeed in " Dispute ''! 
So, the amount of {$190.00} is not a valid debt. Also, the BYL Collections Services, LLC. has been attempting to collect this during the Covid-19 national emergency. Please stop collections via phone and mail. Stop using improper collection practices. Bill the insurance company as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
XX/XX/XXXX Navient went into my account and fraudulently changed my positive account to negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: EQUIFAX, INC.
State: OR
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:
My name is XXXX XXXX XXXX. This has been my legal name since XX/XX/2016. 

Since XX/XX/2016 I have provided information to each credit agency multiple times to update my name. They refuse to do so. 

All of my accounts are in my correct legal name, XXXX XXXX XXXX. None of the credit agencies will remove my old name, XXXX XXXX. 

Because of this, absolutely no credit is working. I have had devestating medical costs and can not get a loan because of this inaccuracy that they REFUSE to fix. 

Until this is fixed, I will be denied again and again because no one can " confirm my identity '' and they " suspect fraudulent activity '' I am in tears trying to fix this. I absolutely need help. 

I have contacted XXXX 3 times this past month to fix this error and they refuse to do so. If anything, they have solidified that I somehow have 2 legal names. This is incorrect. 

In XX/XX/2016 I had my drivers license legally changed, my social security information legally changed, and have submitted Notarized Court Orders with my updated name. 

I have no recourse and no options left. I will never be able to access credit because of these three agencies and their refusal to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Waypoint Resource Group, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX WayPoint Resource Group add a debt {$330.00} to my XXXX report. I sent a verification letter and disputed the debt as not mine. This account was once deleted from my report on XX/XX/XXXX by XXXX XXXX XXXX which sold the deleted debt to WayPoint Resource. This is not my debt and verification has not been established.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company posted a {$74.00} debt collection to my account. I tried calling to remove from account but personnel were very rude and would not provide clear explanation on nature of debt claim. Prior to this transaction posting to my account, I have never been contacted to solve issue prior to it taking a detrimental impact to my credit report. Shameful to delegate such authority to firm like these.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a late fee for charges that I was not aware of on my card. I thought I had a {$0.00} balance because I had paid off all of my purchases but then a month went by thinking there was no balance and it turns out there was a balance so I was being hit with late fees for several months before I realized it. I was always on time with all of my payments and this is hurting my credit report. I closed the card because it appeared as though they were charging me a fee that I was never made aware of and since I didn't know there was a fee it made my payment late. The company is XXXX. And the late payments are showing in XX/XX/ 2017. 

I have gone through XXXX to try to resolve this and also talked directly to the company and they said that there is nothing they can do because I closed the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-02
Company: Bread Financial Holdings, Inc.
State: WY
Product: Credit card or prepaid card
Sub-product: Store credit 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 ordered a appiance package on XX/XX/XXXX. Appliance connection wouldn't give me any honest shipping info so I canceled it on XX/XX/XXXX. They never put the canceled order amount back on the CC so now the CC company is saying I owe the full amount. I have all the paperwork to so it was canceled.

Company response to consumer: Closed with explanation