BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-10
Company: WELLS FARGO & COMPANY
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:
I am a victim of the recent Wells Fargo Fake account scandal. I have tried working with Wells Fargo to fix the issue and have had no success. They have no proof that the account belongs to me. 

I am now requesting that XXXX remove entries from Wells Fargo because Wells Fargo is unable to Prove any accounts ever owned by me related to my XXXX report. 

I am now requesting that XXXX remove Wells Fargo from my XXXX report. I have never been a customer of Wells Fargo. 

PLEASE COMMUNICATE BY MAIL ONLY IF YOU ARE READING THIS COMPLAINT XXXX And Wells Fargo Bank. Do not call please.

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 2022-01-19
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: Account status incorrect

Complaint:
In XX/XX/XXXX, I financed a car loan through XXXX XXXX XXXX. An internal error occurred and 2 auto loans ( for the same car ) were inadvertently entered under my name when I only purchased 1 vehicle ( XXXX XXXX XXXX ). The owner, a really nice gentleman by the name of XXXX, closed out the erroneous auto loan and submitted evidence to all 3 credit bureaus to delete the duplicate tradeline. Each CB deleted the tradeline except Equifax. Each month, XXXX XXXX XXXX and myself submit to delete the duplicate auto loan trade line and Equifax refuses to properly investigate and delete, this has been an ongoing issue and falsely manipulates my credit report into reporting more debt that I actually have. It is hindering my home buying process because it appears I have 2 auto loans when I In FACT have only ONE. Each time I dispute, Equifax swears by their decision and claims the loan is factual and belongs to me. I have documents to prove that north state has deleted the account on their end so why is Equifax still reporting this account as open and not closed and deleted. This is a total discrepancy and infringement on my rights as a consumer and I want this tradeline deleted from my credit report immediately. I have attached a document from XXXX XXXX XXXX with the code DA- which means deleted account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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  and Transunion are reporting incorrectly a collection in the amount of {$640.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This charge was for an emergency ambulance ride. The ambulance company failed to bill the insurance company properly and consequently I was charged in error. The account went collections and the money that was due was paid directly to the attorney and the attorney was responsible for getting payment to the ambulance company. This false reporting of a collection, that was not my responsibility, is seriously harming my credit score and needs to be removed. I have contacted the bureaus to remove this however, I have not been successful.

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 2022-06-20
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: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/XXXX Transunion, XXXX and XXXX have been reporting multiple entries on my credit report incorrectly. XXXX continues to report on accounts that have been closed for 6 years with current activity there are 3 in particular that enrage me. they are XXXX XXXX accounts and a XXXX  account, and they refuse to correct or update or delete my accounts. They just send a fake letter saying they have investigated the items when they haven't. The other bureaus just continue to report incorrect dates of last activity or just don't investigate at all. I have sent my investigations to the bureaus for the last 8 months and they refuse to correct my credit report. I sent another round of investigations today XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-22
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Today I called Santander Bank to close my checking and savings account. Upon closing the accounts I was informed that if the bank receives any future debit requests for bill payments ( utilities, checks, etc. ) against my closed accounts they would automatically re-open my accounts. I was further advised that I would be responsible for any fees levied as a result of processing the debits because the accounts would be over-drafted. I clearly stated that I did not consent to having my accounts automatically re-opened, but was told that I had no choice. Legally banks should not be allowed to re-open closed accounts without the consent of the account owner.

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 2017-08-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Wakefield and Associates in XXXX TN contacted my ex-spouse about an account that has several medical bills attached to it. He was even subpoenaed to a court date. The bills are solely in my name and always have been even at the original providing facility. Wakefield and associates even sent him a detailed statement to my ex-husband at his address.  After I made it clear to them we were no longer married and that this could possibly even violate some health information protection acts. These bills are in my name and have been discussed extensively with him before I was even aware of them due to me never receiving any mail at my current address even though mail at my old address with my old married name is to be forwarded to my new address. So I assume I never received any mailings. Also, this company refuses to take any less for a payment than {$200.00} per month.

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 2019-08-31
Company: CAINE & WEINER COMPANY, INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke to the company and provide documentation that I had other insurance. I filed a small claims writ and summons against the company to appear in court. The company never sent a debt validation or any policy documents obtaining my signature of insurance acceptance from progressive which is mandatory by state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Good afternoon I had a credit card by XXXX XXXX issued by XXXXXXXX XXXX .my credit line was only {$800.00} Now this collection agency called XXXX XXXX XXXX , who address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX They are trying to collect {$1100.00} I have contacted several times to validate the debts their reply was verified. 
I even disputed with the bureaus and their reply was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Find attached my daughters amortization schedule to date on her Navient student loans. XXXX XXXX consolidated two of my daughters loans on XX/XX/XXXX for a total of $ XXXX. Other than when we were on IBR ( XX/XX/XXXX to XX/XX/XXXX ) we have paid monthly. During the IBR we paid approximately {$3800.00} to try and keep up with the interest due. After the IBR, they almost doubled the payment, which we could not afford, so they reissued the loan at a similar rate as before. The attached Navient amortization schedule is very unusual as compared to a normal loan amortization schedule ( see attached XXXX loan statement along with a Direct loan sample sheet ). In almost 12 years we have made no headway on principal and the loan wo n't be paid off till XX/XX/XXXX. I believe this represents misapplied payments, which is the heart of the CFPB lawsuit against Navient. Please advise if I need to do anything else. I will attach documents sent to XXXX XXXX in a request for help along with the response from the Department of Education

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 found an unknown Bank of America account in my credit report at the end of XXXX. I contacted XXXX and try to dispute it. Then XXXX told me the result is accurate on XX/XX/XXXX. The unknown BOA account was opened in XXXX, and my first arrived in US is XXXX. I have no idea why both Bank of America and XXXX said the credit card account was belonged to me. I only have one authorized BOA credit card account from my wife. It was opened in XXXX and I checked the account number is different.

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 2020-04-24
Company: Square Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2020 I attempted to send payments of {$50.00} and {$200.00} using my Cash App with my payment method of a credit card from XXXX ending in XXXX. Both transactions initially went through, but were declined on Cash App 's side in minutes. Cash App has restricted me from contacting them online by preventing my doing so and only providing a generic statement about cancelled payments. Cash App is providing no letters and only a physical address for them to be contacted at when they are an ONLINE MOBILE service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
7 years ago, someone hacked my credit and stole my identity posing as me but without my full legal name..I have written to Experian credit union and repeatedly they have shown negligence in removing fraudulent items from my report. I have spoken with supervisors for hours on end and gotten no assistance. My initial letters, police report listing fraudulent items and FTC affidavit were mailed to them XX/XX/XXXX. It has been over 45 days, the legal amount of time they have to investigate the items. The following items are still fraudulent being listed on my credit report under Experian. No legally required notorized verification was provided to me showing that these items are mine nor proof from the lenders, which is required by law.I have spoken with numerous supervisors at Experian and XXXX and they have not done thier job to investigate. When I have provided the uploaded prove these were not mine, they still did not remove. This has NOT been done so therefore these items must be removed. XXXX XXXX XXXX # XXXX XX/XX/XXXX, {$380.00} ALSO INQUIRIES NOT MINE : XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Card, XXXX, XXXX, XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Experian Information Solutions Inc.
State: DC
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:
After I submitted a dispute with Experian, and they investigated, as is my right under FCRA rules, on XX/XX/XXXX, I requested information on the investigation itself : Please see attached letter from me to Experian for details. They ignored my request. So on XX/XX/XXXX, I sent them a letter ( attached ), informing them of my intent to file a claim with the FTC. They ignored this letter also. I am now filing a claim with the CFPB, which has been designated by the FTC as the agency with which FCRA violations should be filed.

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 2020-10-15
Company: OneMain Finance Corporation
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:
There is an inquiry from this company on my credit report that I do not recognize and it is fraud. I contacted them via certified mail and they did not respond and were not able to remove the inquiry from my credit report. The fact that the inquiry is still on my report is a violation of the FCRA Laws and I will pursue a civil suit if necessary. I want this fraudulent information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Years ago, I helped my elderly mother-in-law XXXX XXXX with some issues she was having with her credit card companies including Capital One. They were charging her a very high interest rates and had charged for services she never ordered. In order to talk to them about the account I was informed that I would need to supply them with a Power of Attorney. I prepared and mailed the POA to them. I then filed my complaints with the companies and with Senator XXXX XXXXXXXX XXXX office. As a result, some adjustments were made to her satisfaction, so my mother-in-law continued her relationship with the Capital One. Now fast forward 10 years or so, I had occasion to review my mother-in-law 's credit card statement and found my name listed as an additional card holder. I never authorized that they add my name to that credit card, nor did the primary card holder. When this first came to my attention, I called Capital One, ( this was 4-5 months ago ), explained the problem and asked that they remove my name immediately. I also asked how they were able to open an account without my permission. They were not very helpful in that regard, but said they would cancel the card. Today I checked my mother-in-laws statement again and found that my name was still listed as an additional card holder. I called Capital One again and spoke to " XXXX ''. I explained the problem and he promised he would take care of it. The only problem is, that they needed my birthday or the last four digits of my social security number. I refused to provide this information, but told him that I would confirm the last four of my social security number, if they provided it to me. He said he did not have access to this information nor did his supervisor. As a result he was not able to help me. I provided them with the primary card holder name XXXX XXXX, the last four digits of her credit card number ( XXXX ), my name XXXX XXXX XXXX XXXX the last four digits of the fraudulent card they opened for me XXXX XXXX ) and the zip code of the mailing address ( XXXX ). They were able to find the account with this information, but their insistence that I provide my personal information is where the process broke down. I never signed up for this card, so I not only want this card canceled, I would also like to know how they were able to add my name to her account. This sounds like the XXXX XXXX fiasco all over again. 

Primary Card Holder : XXXX XXXX Full Billing Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Sierra Holdings LLC
State: MI
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:
Tried contacting, no luck. No help with customer service. Need this taken off credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016 XXXX XXXX XXXX  XXXX XXXX Washington XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX,2016 Sierra Auto Finance XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
GLA has reported medical debt on my credit, I have disputed these debts through the bureaus. Some were removed, some were validated without proof. All GLA collections listed here are in violation of the AG settlement 2015. All 3 medical debts reported and validated by GLA have not been updated, and are in phase III violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
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: Personal information incorrect

Complaint:
There is incorrect personal 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 non-monetary relief
Consumer complaint received 2020-06-22
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I opened a new account with paypal to save money for my sons college and to put away money me and a few girlfriends intended on using for business. I have been processing transactions for months with no problem. 2 Girlfriends sent me money to hold while we are planning out our next business move. As soon as the transactions went through PayPal decides I am fraudulent and processing fraudulent transaction with no founded reason and locks my ability to transfer money. They then proceed to send me an email saying they were going to hold XXXX plus dollars for 180 days. They told me they didn't have to disclose why. They just felt like it was fraudulent activity going on? On what grounds not sure. I sent in my Picture ID to verify who I was and everything so not sure about how they came to that conclusion! I am XXXX! And would love some assistance in recovering my funds and never doing any business transactions with them again! Below I have attached the two text messages from my girlfriends who sent the money as verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates has reported a debt that does not belong me. The debt was allegedly open on XX/XX/2016 for XXXX XXXX XXXX XXXX for XXXX. I 've never owned a XXXX XXXX card furthermore, I 've requested them to validate or remove this debt by certified mail initially in XX/XX/XXXX, and then again in XX/XX/XXXX. As of today they 've failed to do either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

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