BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-04
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
dear consumer financial protection bureau so im submitted written complaint about im having delay problem issue with equifax credit report file so i order copy of my personal credit report file its just came in the mail on yesterday so the main issue im having with credit bureau agency they do not wan na give me access too my own personal credit report file so when i call customer services number XXXX so aslo i can provide address imformation where i mail my verify documents too equifax XXXX  XXXX XXXX ga XXXX zipcode so i sent them copy of my ssn number state id card photo and when i call customer services today they still saying they have not recieve verify documents yet so i have call them several times about this delay matter still has not been solve just yet so they aslo refuse to give my physical access to my equifax .com online account after i have allready verify my account several times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: WELLS FARGO & COMPANY
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We did the Covid loan forbearance for a year. A month before it was ending we started a loan modification with our mortgage company Wells Fargo. That was back in XXXX. They told us to apply for Nebraska XXXX help and weve been approved as of the first part of XXXX. We havent heard anything back from Wells Fargo after Ive made XXXX attempts to reach our mortgage preservationist who doesnt return my calls. We are falling further and further behind every month that they drag their feet. Today I went to deposit a check from my insurance company for the jail damage to our home. Wells Fargo will not deposit the check in my account so I can pay the XXXX they took the check instead and is placing it in an escrow so they can divvy the money out to the contractors as they see fit. They said they are doing this because we are behind in our mortgage payments. I didnt know they could or should do this its wrong. We are being penalized for being under the Covid forbearance which I didnt think they could do. The paper work they gave me basically instructions about the check and having the work done says in one paragraph that the money can not be used for anything except for repairs and restoration on our home and not for making up loan payments. The next paragraph says the money can be used to pay off our mortgage if it was a sufficient amount to do so or combined with other monies to pay off the loan that was ok. They say it cant be used for anything else then they turn around and say we can use it to pay off our mortgage. WHICH IS IT?!! I feel we are being punished for taking the loan forbearance which says we wouldnt be penalized for doing so. Im not a child I can manage the repair money and pay my contractors myself. Wells Fargo is making me call them and request a draw on the money from them in order to pay the contractors. This is an insult to me Im 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 2016-02-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I get a call from XXXX telling me that I am being served at home or work. I called the number and spoke to XXXX . XXXX who said I was being taken to court before I was even told who I owed. After he told me it was 5/3 Bank he asked my intentions and I told him this was paid a couple of years ago. He told me it was n't and he 'll see me in court. I asked if this call is recorded and wanted to know the name of the company. He wanted to know why and I said because I 'm going to file a complaint and sue them also. He said I could n't afford to sue them or I would have paid the credit card. I reminded him that the card was paid and I will follow through. He refused to give me the company name. I called back several times and got someone there to tell me the name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
BMO Harris bank sent an offer to my house ... open an account with {$10000.00} for 90 days and receive {$200.00} bonus. I opened an account in XXXX. I went to cash out the acct a little over 90 days later and was told payment would be made 120 days after opening the account. I think 90 days MEANS 90 days NOT 120.

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 2022-07-20
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions 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 2017-01-19
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I called the Fed Loan Services to find out about Forbearance with parent plus loans. I was told to send in {$600.00} in order for someone to help me. 
This was after I gave all my personal information and received a run around from XXXX from XXXX different people there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a dispute to Experian, XXXX and XXXX regarding a late payment on my XXXX XXXX Account. The dispute was submitted on XXXX XXXX and continues to come back verified. Each creditor is in violation of the XXXX,. At this time the item continues to report the account as XXXX  days late in the year of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Purchased XXXX phones over 12 years ago. The promo was if not happy with the phones or service return them both within 14 days & their would be no fees or charges, which is what I did. And I have been getting a bill ever since. A friend of a friend recently worked for XXXX XXXX & was stealing customers info phones & money for which they were prosecuted, Im sure my personal info was used but I dont know to what extent. Shortly after that thats when I started getting bills from creditor. 22 years later & how did they know my whereabouts. I notified XXXX  XXXX & all the credit bureaus to no orvail to let them know this bill was not correct & should have been taken off my credit report years ago. Now I get a bill that the bill the claim was {$150.00} is now {$63.00} ( REALLY ) thus collection agency Convergent Outsourcing needs to find out from XXXX XXXX how long ago was this supposed bill created,? & the circumstances around the bill. I dont owe & Im tired of explaining this I want this off my credit report 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 explanation
Consumer complaint received 2016-08-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I am a Victim of ID Theft I have a freeze on all of my credit files, I am concerned with my Experian file, I have never been contacted when companies are contacting Experian for my information. When I question at custom service they were very nonchalant about it. I was aware of XXXX inquiries yet I did not get any phone calls as to why or the confirm the inquiries. It makes me a little concerned and I want to feel protected because I was a victim with IRS. I am still very careful with my credit which is still damaged due to being a victim

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 2020-04-21
Company: Ability Recovery Services, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ABILITY RECOVERY SERVICES , LLC I HAVE CONTACTED THIS COMPANY SEVERAL TIMES ABOUT THIS ACCOUNT, THIS IS NOT MY ACCOUNT, I HAVE BEEN requesting validation, made pursuant to the FAIR DEBT COLLECTION PRACTICES ACT and The FAIR CREDIT REPORTING ACT, along with the corresponding local state law. Please note that I am requesting VALIDATION, I NEVER OPEN OR KNOW ANYONE THAT OPEN THIS ACCOUNT.. I NEVER RECEIVE A REPLY TO THE LETTER I SENT XXXX XXXX XXXX  I HAVE CONTACTED THIS COMPANY SEVERAL TIMES ABOUT THIS ACCOUNT, THIS IS NOT MY ACCOUNT, I HAVE BEEN requesting validation, made pursuant to the FAIR DEBT COLLECTION PRACTICES ACT and The FAIR CREDIT REPORTING ACT, along with the corresponding local state law. Please note that I am requesting VALIDATION, I NEVER OPEN OR KNOW ANYONE THAT OPEN THIS ACCOUNT.. I NEVER RECEIVE A REPLY TO THE LETTER I SENT

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 2022-03-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I received a call from ( XXXX ) XXXX which showed on my called ID as Wells Fargo. 
The caller asked if I had initiated a {$25000.00} wire transfer out of my account and I answered no. 
The caller assured me that the transaction would be stopped and my account would be blocked. 
Later that same day I went into my local Wells Fargo branch to ask whether the phone number I received the earlier call from was a Wells Fargo number. An employee by the name of XXXX confirmed that it was. 

On XX/XX/XXXX I received another call from ( XXXX ) XXXXWells Fargo . 
The caller asked if I had initiated a {$25000.00} wire transfer out of my account and I answered no. 
The caller assured me that the transaction would be stopped and my account would be blocked. 

On XX/XX/XXXX I received a third call from ( XXXX ) XXXX/Wells Fargo . 
The caller asked if I had initiated a {$25000.00} wire transfer out of my account and I answered no. 
The caller assured me that the transaction would be stopped and my account would be blocked. 

Wells Fargo failed to block my account to protect me from further fraudulent activity despite the assurances made during all XXXX calls. 

Wells Fargo was unable to stop the transactions or recall the wires as the beneficiary banks reported there were no funds available to return. 

Wells Fargo has denied my fraud claim because they determined that the transactions were requested using my Username and Password and completed using a One Time Passcode which was sent to " my '' phone. I did not request the transfers nor did I ever receive a passcode. 

On XX/XX/XXXX I requested in writing copies of all records relating to the fraudulent transactions ( which is my right under FCRA ) including the phone number the One Time Passcode was sent to, the type of device ( XXXX ) used for the wire transfers and the XXXX address of said device ( XXXX ). 

On XX/XX/XXXX I contacted Wells Fargo to follow up on this request. 
I was told by the agent XXXX that this information could not be released over the phone but would be provided by mail in XXXX days. 

On XX/XX/XXXX -still not having received a response- I contacted Wells Fargo to follow up on this request again and was told by the agent XXXX, that the request was only received on XX/XX/XXXX, and they require up to 30 days to process it. 
Later the same day I received a voicemail from Wells Fargo refusing to provide the information I have requested.

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 2017-05-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
*no Duplicate* I have NE VER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.

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 2015-11-30
Company: Helm Associates
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XX/XX/2015, Helms Associates responded to a complaint I filed via CFPB and advised me that they would delete the tradeline off XXXX credit report. I have a copy of my XXXX credit report dated XX/XX/2015, an Helms Associates is currently reporting this account to XXXX and updated this account on XX/XX/2015. This account should have been deleted not updated on my credit report. Helms Associates are in non-compliance. This is Helm Associate exact response from the complaint I filed XX/XX/2015 and their reponse on XX/XX/2015 " This is in response to the above-referenced complaint, which was forwarded to this office on XXXX XXXX, 2015, and assigned Case Number XXXX. '' " After a thorough investigation, our records indicate that the last direct contact with XXXX XXXX was XXXX XXXX, 2015, at which time he wanted to voluntarily surrender his vehicle. Since then, we have no record of the customer attempting to contact us directly, in regard to a validation of debt request ''. " However, we did receive a request from XXXX on XXXX XXXX, 2015, requesting the accuracy in reporting of XXXX account ''. 
" After reviewing the information provided from XXXX and our own internal notes, we responded on XXXX XXXX, 2015 stating that the information previously provided was accurate ''. " Even though we believe we acted appropriately as authorized by contract or law, Helm Associates will grant, as a goodwill gesture, XXXX XXXX desired resolution to remove our trade line information from his credit report ''. " Please be advised that XXXX is our only credit reporting agency ''. 
" We pride ourselves on working with the customer to resolve any issue brought to our attention ''. " As always, Helm Associates makes every effort to fulfill all reasonable requests ''. " If I could be of further assistance, please do not hesitate to contact me ''. 

" Respectfully submitted, XXXX XXXX, XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My complaint is that I have documentation with a final payoff statement that took me XXXX separate requests to obtain ( good through XXXX XXXX, 2015 ), my checks that were cashed ( written XXXX/XXXX/15 and cashed XXXX/XXXX/15 ) and the final {$41.00} fee for transfer and release of title, yet Freedom Mortgage refuses to close out the mortgage loan and is now charging random and ever-changing amounts to close the loan. They cashed, but have not applied the {$41.00} check, nor have they sent it to the county. Their own continued statements indicate no further principal or interest owed. Their documentation and billing has been inconsistent, causing me to pay a late fee of over {$50.00} at one point, despite making double payments, early payments, and paying the refinance off years early. Their own agent, badge # XXXX, verified that a system error had not credited payment properly and that the escrow for taxes was fully paid as well. He assured me that the {$41.00} fee and charge that was listed without explanation was, in fact, for the transfer of title deed needed to closeout the loan and that would be forwarded to the county. He clearly stated and restated that the {$41.00} fee was the only remaining amount owed to close out the loan. They have excessive hold times of over XXXX mins, refuse to answer questions, provide competent assistance and hide behind layers of voicemails and automated options. I asked to speak with a manager and was told he " did n't know if one was available. '' I was transferred to a voicemail, left a message and a full week later received no response, no email, no call back. The automated balance, written balance, on online balance all reflect differently. In XXXX, I checked with the county and they indicated that the mortgage company had not yet forwarded {$41.00} payment ( made on XXXX XXXX ), they advised that I investigate, as the company had a limited amount of time, less than 60 days, to transfer title, or they actually owed us {$500.00} by law. When I called Freedom Mortgage last week and spoke with badge # XXXX and # XXXX, I was given yet a third amount that I owed, another amount of late payment now appears on my credit report, and I am justifiably XXXX. I want this resolved immediately, and this company audited, as I see numerous similar complaints about them online. How is this possible?! It is mob-like behavior and somehow they are getting away with it! My husband is a XXXX veteran of 26 years and it is soundly unfair that he be treated this way. The false billing smacks of mail fraud and the lack of response from the company, the lack of investigation is disturbing. I request that a certified accountant look into their business practices because it appears that this company is manipulating funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: AES/PHEAA
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: Old information reappears or never goes away

Complaint:
Accounts for student loans have been consolidated and are current but they still appear on credit report as 120 days late. Accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all show account closed due to transfer but are still appearing on the report causing significant negative implant to credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Bankruptcy

Complaint:
I filed for bankruptcy in XX/XX/XXXX and was granted a discharge of all debts. In XX/XX/XXXX I pulled my XXXX credit report and noticed that Fifth Third bank has listed my account as being Transfer/Sold and as a charge off. I filed a dispute with XXXX and on XX/XX/XXXX XXXX reported that Fifth Third bank verified with them that the account is being reported accurately. On XX/XX/XXXX I contacted Fifth Third ( XXXX ) and spoke with XXXX XXXX who stated that in her system the debt was listed as discharged in Bankruptcy. I was then transferred to XXXX ( Bankrupcty Dept. ) who told me he would look into my concerns. On XX/XX/XXXX, XXXX called me back and said that after consulting with numerous employees in his department they determined that the account was being accurately reported to XXXX and XXXX. Under federal law, once a borrower has erased a debt in bankruptcy, banks are required to update the credit reports to indicate that the debt is no longer owed, and remove any notation of " past due '' or " charged off. '' This practice keeps this bill alive on my credit reports although it was legally eliminated in bankruptcy. Fifth Third has engineered what amounts to a subtle but ruthless debt collection tactic, effectively holding my credit reports hostage, refusing to fix the mistakes unless I pay money for a debts I do not actually owe.

Company response to consumer: Closed with explanation