BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-06
Company: The Bureaus, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine. Has been on my credit for years dispite as they say on my credit since XX/XX/19. Attached is a copy from all 3 credit bureaus. Ive written to the bureaus XXXX XXXXXXXX  XXXX and this company, THE BUREAUS, whom are the collection agency. I want to see a copy of a contract between the Bureaus and myself and I want to see my signature on it. If they can not give you this in a letter, then I want this off my credit. Attached is my USPS return receipts ive sent and a copy of my credit report as they are reporting it. They have not given me anything, nothing. Just reduction letters and nothing else. Remove immediatly, thanks The Bureaus XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Thanks. You so much

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: WELLS FARGO & COMPANY
State: DC
Product: Credit card
Issue: Balance transfer fee

Complaint:
I was charged {$440.00} on XX/XX/XXXX for a balance transfer check. There were NO terms and conditions attached with the convenience checks that I received so the fee of 3 percent was not disclosed to me in advance. Also, the credit card in question was opened by Wells Fargo, not by me. Thus, I am not obligated to pay the balance transfer fee, and Wells Fargo basically refused to reverse it after discussing it with me over the phone today dated 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 explanation
Consumer complaint received 2016-01-21
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo has placed a bankruptcy on my credit report and Wells Fargo has reported I have been late on my mortgage more than 30 days which is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My Credit card was closed, and my rewards balance was taken. I had XXXX points, which is equivalent to {$5500.00}. I do n't know why my account was closed, but I would like to get my rewards back.

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 2016-01-05
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Statement date XXXX/XXXX/2015 and the latest correspondence from Wells Fargo Home Mortgage. In depositing funds into and for my monthly mortgage for XXXX 2015 of {$300.00} and unapplied funds of {$540.00}, which sat in my account since XXXX XXXX, 2015. I asked the teller at the Wells Fargo route XXXX branch in XXXX, NC to total and add the deposit which totaled {$840.00} to my current XXXX monthly mortgage. She and XXXX of the bank supervisors looked over the account, saw that the unapplied funds were there and specifically asked " how would you like you 're deposit and unapplied funds applied ''?. To which I replied to my current XXXX monthly payment. In the latest statement dated XXXX/XXXX/2015, I see that my request was not honored and that when Wells Fargo received these funds, they applied {$170.00} to principal, $ {$420.00} to principal and {$220.00} to escrow. While the statement states Unapplied XXXX / Unapplied {$300.00}. I write this in frustration and awe as to the tactics Wells Fargo Home Mortgage displays on a daily basis when it comes to my account, as if this is a game to them. I hereby request a Forensic Audit on my account to clarify how the deposits that I have made, have been applied to my account. It is troubling to say the least that Wells Fargo continues to taunt customers into believing they can not understand exactly what is taking place. Especially when it comes to understanding ones account. I currently posses all of the deposit slips I have made and personally walk into the bank, speak and know bank managers personally when making my deposits and I do this for this very reason. Not to just exchange pleasantries, but to also make certain that all my deposits are accounted for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Experian Information Solutions 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:
I pulled my  XXXX  And Experian credit report in   XXXX   XXXX   and noticed   XXXX   XXXX  k and  XXXX   XXXX  showing as credit cards belonging to me and that had charged off. I submitted investigations 3 times with  XXXX  stating this is not my account and with Experian 3 times stating the same, not my account. I have faxed and mailed copies of my id and ss card each time. Each time it comes back verified. I called   XXXX    credit card company and was told 4 times with the latest being today that they could not find an account with my name on it or the account number. I spoke with  XXXX  she states not sure how to stop it from reporting as they have no knowledge of it. She said they didnt have a fraud department she could only take my number and have someone call me back. I spoke to  XXXX  at   XXXX   today she states she cant remove it because Applied is confirming it. She states no proof received only " confirmed ''. I want his removed from my credit as it DOES NOT BELONG TO ME. She states nothing she can do.       XXXX   XXXX  - I have called several times and I cant reach anyone as my ssn or the account number on the credit report " doesnt match their files '' so the automated system hangs up due to no match found. I have disputed 3 times with Experian as well that this is not my account. This last dispute on   XXXX   XXXX  , it states " updated from my dispute '' but nothing changed! I 've faxed letters asking to provide proof it belongs to me or delete and nothing happens. Just " verified ''. They (   XXXX   or Experian  ) w ill not provide proof and I have did all I can do.     I also advised Experian the following Inquiries are fraudulent /not authorized by me :  XXXX -  XX/XX/XXXX   XXXX  -  XX/XX/XXXX    XXXX   XXXX  -  XX/XX/XXXX    XXXX   XXXX   XXXX  -  XX/XX/XXXX  &  XX/XX/XXXX   XXXX    XXXX   I advised  XXXX  the following iquiries are  fraudulent/not autho rized by me :   XXXX   XXXX   XXXX   XXXX   via  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX  &  XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  I need this to be corrected and removed from my credit reports.

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 2021-01-18
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XXXX XXXX, I applied online for an Apple Card. The advertising said that the inquiry wouldn't affect my credit score, but accepting the offer would. 

On XXXX XXXX, I checked my XXXX XXXX account and XXXX  lowered my credit score by 5 points due to an inquiry by GS Bank. 

I did accept the offer. However, XXXX is lowering my credit score due to the inquiry, not due to opening the account. 

I contacted Apple Card customer service and they couldn't help. 

I have attached a copy of the advertising language and the XXXX  explanation of the credit score inquiry as being due to GS Bank Inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have received several correspondences from Well Fargo including a Checking Account Statement. I did not apply for, or authorize Wells Fargo to open an account in my name. All information on the account, specifically my Social Security Number, Drivers License Number and Birth Date were correct. The only incorrect information was the expiry date on my driver 's license. This leads me to suspect that either Wells Fargo or a complicit third party illegally obtained my identification information.

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 2017-01-20
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have been paying on my student loan ever since I was an XXXX. I then graduated and still confined to pay on my private loan. However, I have asked many times for a repayment plan lower then the one given, and also asked for a deferment, when the company was XXXX XXXX and also now as Navient. The loan on my case is not affordable for I have been communicated with them that I am going through a hardship, and also currently attending XXXX school. They still insist on calling and collecting their mineies when I have none to give or refuse to take off my co signer and help me with an affordable repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX, i am a XXXX post XXXX veteran, my husband is a senior citizenI Was working with XXXX XXXX on Modification XXXX XXXX for nearly 2 years. He just got indited on for-closure fraud. My mortage has ballooned, I am 1000 % upside down loan to value, Experienced decrease in Now I am attempting to handle this process myself. I just would like for some protection for my case to ensure that Bank of America comply with all Federal, State, and Local regulations assistance due me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was a victim of a scam that cleared out XXXX $ from my bank account with Truist Bank. My personal computer was hacked and I was given a number to call because I was told my bank accounts were at risk of being hacked. I was told I was talking to a Truist bank member and they gave me directions to protect my money- a wire transfer that needed to be done at the branch. When I went to my local branch and told the banker - XXXX XXXX that I was told to wire money by a bank member she did not ask me any questions. Later that evening I was told I was victim to a scam when I told my parents what happened. The next morning - when the bank opened I was there waiting to make the recall- XXXX XXXX was the banker again. I asked why she didn't ask any security questions or questions about possible fraud or scam she laughed and said even though she was trained to do that she does not. She made the recall- in the paper work I have she posted the recall for XX/XX/XXXX. I called later to speak with her about why this was being made so late and was told she was no longer with the bank- however she was the one supposed to be receiving email notifications about my recall and let me know what was going on. I don't think the bank ever intended to contact me about this change- I had to call repeatedly until I finally spoke with XXXX and she confirmed the late recall date and I asked why the wait and she could not give me an answer. I noticed a wire transfer fee on my statement- I called and asked what this was for - and the person I talked to said all of that should have been explained to me along with being asked questions when I made the wire- nothing was explained to me and no questions were asked. I have never made a wire transfer before. Over the next several weeks and leading to months I have gotten the run around from every person I have talked to - often they can't tell me anything for find my case. Many banks have holds on first time wires out of accounts or holds on wires with red flags such an account that is only used for deposits. Wire recalls made within 24 hours have a high success rate of being returned but my wire was not recalled. I have many concerns about the security of Truist and have read many stories about the frauds and scams being run through their bank because of the lack of security. So far I still have not heard back from Truist, I keep getting told they will look into things for 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 explanation
Consumer complaint received 2017-02-06
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I just become aware that my student loan was delinquent, I had been out of the country for months to care for a sick father. I spoke to a representative and was told that I was on a deferment. Well after just getting hired for a new job, and a credit a certain credit score is required. I was told that my credit does not meet the requirements. I have never been late on my student loans. I was told I was on a deferment. I never received any documentation reporting that the student loans were out of deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I noticed that I had an item on my credit report that I was not familiar with and I had no knowledge of indebtedness to either organization. At that time I constructed a communication and sent it to Syndicated office systems also known as Central Financial controlling via Certified mail return receipt, received a validation of debt request on or around XXXX. Once the dispute was received by Central Finl Control the item was removed and then they same company that operates under two names placed the item back on my credit report under their other name ( documents are attached ). 

As you can see under the header of results of your investigation- continued, you can see that item from central finance Controlling account/XXXX was not found as it was removed. At the time I disputed the item it was still on my credit report. Once it was disputed, the company deleted the item and then added it back under their other company name. 
I have no knowledge or record of the account listed. Please advise me as to the name and addresses of the medical providers, the date and type of medical service and to whom the servicers were provided, as any accounts I might have had may be obsolete. If you can obtain this information, I would also need the name of the person providing the data and the manner in which it was provided so I may pursue additional legal remedies. The entries from my credit file are attached to this complaint. 

Third-Party Disclosure Improper Disclosure of PHI to third. Most businesses have Business Associates and Business Associate Subcontractors. These third party entities are responsible for protecting PHI and, with the Common Agency Provision in the HIPAA Omnibus Ruling ; you are now responsible for your Business Associates ' HIPAA Compliance. I would like to see their Compliance Plans. If they do n't have a Business Associate Agreement in place before you disclose information, you have a Breach on your hands. 

A Debt Collector Must Send Written Notice of Debts As I mentioned earlier, as part of the debt collection process, you must receive a statement outlining the specifics of your debt in collections. Within five days of contacting you, a debt collector must send you this written notice with the amount of money you owe and the name of the creditor. This notice also must explain what actions to take if you believe you do not owe money.- Nothing was received when the 3rd party debt collector decided to just move the debt to their other name for their business so I was again not aware of any level of indebtedness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have written to all XXXX credit report agencies and to XXXX XXXX over 90 days ago regarding a credit card issued by them that is currently been reported on my credit report. I am still waiting to get a respond from them. I need this to be removed from my report because of the negative impact it is having on my report. In my letter to XXXX I asked them to provide me with a proof that I open this account. I have not receive a respond from them. I need this item to be removed from my 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 2015-12-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I 've been working with XXXX XXXX XXXX, XXXX. since XXXX XXXX, paying them {$100.00} each month in order to have my debts with XXXX XXXX and XXXX University " settled '' or " dismissed ''. I began receiving calls from Navient in XX/XX/XXXX/XX/XX/XXXX saying that they had taken over my account from XXXX XXXX and needed to speak with me regarding my accounts. Having been informed by XXXX not to speak to any of the companies regarding my debts, but to refer them to XXXX, I attempted to contact XXXX to resolve the issue. I did n't hear back from XXXX either in XX/XX/XXXX or XX/XX/XXXX despite continued efforts on my part, calling into the office, leaving voicemails, being disconnected when the representative said they were transferring me to an account specialist. In speaking with Navient to try to help with the communication between the XXXX companies I learned that Navient was willing to try to discuss a settlement offer, and left voicemails with XXXX letting them know. I also gave Navient XXXX 's contact information, but was informed later on that XXXX was not getting back to them. 
In XXXX XXXX I placed a stop playment on my account to prevent XXXX from withdrawing the XXXX under their XXXX XXXX XXXX automatic payment. Once the stop payment was placed, XXXX once against starting contacting me, saying that they were working on my account, had only been authorized under our agreement to work with XXXX XXXX directly ( not Navient ), and would bring my account current and continue work to resolve my student loan debt, requesting that I release the stop payment. Due to financial difficulties I chose not to release the stop payment and was surprised to see that they had successfully withdrawn two payments ( one being a back payment ) of the {$100.00} a couple weeks later ( in XXXX XXXX ) by drafting checks payable to XXXX. I issued a second stop payment in XXXX XXXX only for them to once again change their method, this time drafting a check payable to XXXX XXXX XXXX. 
I have recently been contacted by XXXX XXXX XXXX, XXXX saying that they are now working with XXXX and taking over several of their accounts. I did a little research and was disturbed to find out that XXXX uses the same services and companies to withdraw money from their clients accounts. I also called Navient and found out that my account has now been placed in collections with a separate legal group who were completely unaware of my working with XXXX. I have not signed any agreement with XXXX and based on my research do n't plan to. 
I also worked with XXXX XXXX XXXX to resolve my federal loans through XXXX XXXX between XX/XX/XXXX and XXXX XXXX, paying them {$140.00} each month only to be told in my last conversation with OMP ( XXXX/XXXX/XXXX ) that those loans may still be outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Bastion Consumer Funding I, LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I 'm a XXXX year old XXXX widow living on fixed income, and back on XXXX/XXXX/2015 I took out an installment loan of {$230.00} with Cash America in XXXX, TX due to some medically related out of pocket expenses associated with XXXX XXXX/XXXX/2015. Since I was n't able to pay the whole amount plus interest in 30 days, I asked for an installment loan thinking I would have ( 5 ) months to pay the loan plus interest in equal affordable pays, but I wound up having to pay {$100.00} monthly for ( 4 ) months with the final payment being {$340.00} on the fifth month. Just understand that I intend on paying the loan back in full because I had to give them a blank check on my bank account which they will immediately turn in to bank if I miss payment. I just wanted to know if this is a legal contract in Texas because I 'm beng charged {$510.00} for them extending me {$230.00} in credit.

Company response to consumer: Closed