BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
CRA continues to violate FCRA 605A. Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] Several other consumer protection laws, state laws and federal laws. 

Also CRA is claiming that they haven't received any correspondence by way of the CFPB from 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 2023-01-11
Company: WELLS FARGO & COMPANY
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/22 I was scammed online by individuals who led me to believe my online banking was hacked and that someone was trying to withdraw {$15000.00} out of my savings account. In order to save my funds I was instructed to go to my bank and withdraw my savings account and wire the funds to a security account that was opened at another banking institution to protect me. I went to my bank and wired those funds to the account information they provided to me which my bank did question me about this transaction. I had to pretend that I knew the person I wired the money to. The scammer made me believe they were from my security department because I gave them the phone number on the back of my card. They stayed in touch with me the whole weekend because the banks were closed for the holiday, When the bank opened on XXXX  they instructed me to go to the bank so they could tell me how to get the money back into an account for me. They were really sending me there to drain my checking account ( which I almost did ), but my brain finally clicked in and I realized I was scammed. I talked to my branch manager about this and I went to my local police and filed a report with them. I do not hold my bank accountable, however, I do question the other bank involved. I feel something was not legitimate in the way the account was opened or how the withdrawal was made.

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 2017-06-07
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My citicards credit card expired XX/XX/XXXX  but I did not check on why I did not receive a replacement until  XX/XX/XXXX  since I was unexpectedly  XXXX  during that time. I called the number on the back of the card,  XXXX , and asked and was told my account was closed. I gave them my new address and they said that they would send me a copy of the letter stating the reasons to my new address and that they could not tell me anything over the phone. I never received that letter and do not know why my credit card was cancelled. Their customer service is not helping 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 2022-04-06
Company: EQUIFAX, INC.
State: LA
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:
THESE FOLLOWING COMPANIES ON THESE FOLLOWING DATES FRAUDULENT PLACED A HARD INQUIRY ON MY PERSONAL CREDIT REPORT FROM CREDIT BUREAU XXXX : ( 1 ) XXXX XXXX ( XXXX XXXX XXXX XXXX, VA XXXX ) requested a fraudulent hard inquiry on my credit report with XXXX on XX/XX/XXXX. 
( 2 ) XXXX  ( XXXX XXXX XXXX XXXX, GA XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX. 
( 3 ) XXXX XXXX ( XXXX XXXX XXXX XXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
( 4 ) XXXX XXXX ( XXXX XXXX XXXX XXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX. 
( 5 ) XXXX  XXXX ( XXXX XXXX  XXXX XXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit from XXXX on XX/XX/XXXX, XX/XX/XXXX. 
( 6 ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) requested a fraudulent hard inquiry on my personal credit from XXXX on XX/XX/XXXX, XX/XX/XXXX, XXXX ( 7 ) XXXX  XXXX NA ( XXXX XXXX  XXXX XXXX US XXXX XXXX XXXX VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX XXXX XX/XX/XXXX. 
( 8 ) XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, IN XXXX ) requested a fraudulent hard inquiry on my personal credit report from XXXX on XX/XX/XXXX. 


IN ADDITION, EQUIFAX CONSUMER INFORMATION SERVICES WON'T REMOVE THE FOLLOWING FRAUDULENT HARD INQUIRIES FROM MY PERSONAL CREDIT REPORT : ( 1 ) XXXX ( XXXX, XXXX XXXX XXXX XXXX. XXXX, FL XXXX ) requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 3 ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on XX/XX/XXXX. 
( 4 ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on XX/XX/XXXX. 
( 5 ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX ) requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on XX/XX/XXXX. 
( 6 ) XXXX XXXX XXXX  ( XXXX 'S XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on XX/XX/XXXX. 
( 7 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX ) requested a fraudulent hard inquiry on my personal credit report from EQUIFAX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
I received a call from Portfolio Recovery last fall - they are searching for someone who used to have my mobile number. I discussed that I am not that person, provided my name and information, and the calls stoped for about three weeks. Now they are calling again from numerous numbers 8-9 times daily, including unlisted No Caller ID numbers. 

They will not stop the calls and continue harassment. The company needs fined and the incessant harassment stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been disputing multiple accounts on my credit report and I haven't seen any responses from XXXX or Transunion. It almost seems like they're not taking anything serious currently. I would just simply like them to remove these accounts that are not mine. It is going on six months of no responses from this, I will attach all my letters to this complaint to prove my struggles with them. I'm just trying to move forward with my life and these accounts are hindering me from getting a new home and new job opportunities.

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXXXXXX 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 2017-06-03
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Interest keeps going up and my loan is as much as what a house costs I do n't think the interest is correct and I am unemployed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: MS
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 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 XXXXXXXX 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 21 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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Resurgent Capital Services L.P.
State: TN
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:
I have/had an account with XXXX XXXX and I had file a chapter XXXX wager earner. the following year i had drop it and start paying out of pocket again. But later, I notice the had a repo on my credit report but I was paying and driving the car. And it was showing closed. Now, they reopen the account on my credit and mark it as a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying XXXX dollars every months since XX/XX/2018 until today for an austanding balance of XXXX a And the balance do not come down. How this criminal practice is allowed. I shouldnt be put in this position, when i am paying and trying to get this XXXX paid, but those crooks are making it difficult. I need your help please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is an attempt to collect a debt that does not belong to me as a result of identity theft. I filed a complaint about this collection on XX/XX/22 because the collection company never sent a collection letter but added the collection to my credit report unlawfully, completely ruining my credit. No remedy was provided from your agency following this complaint although it was closed. I sent a letter to the company requesting a verification of their contract and authorization to collect this debt in an effort understand the basis of this collection, which appears to be for a hospital visit that I have never had, for services that I have never received. My request for this information and verification of the validity of this debt has been blatantly ignored by AArgon Agency which is a violation of the FCRA. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), I am allowed to sue a credit reporting agency for negligent or willful noncompliance. the failure for AArgon agency to respond and provide important information to verify this debt is illegal and punishable by a fine. This collection must also be removed from my credit report immediately. I seek a proper remedy to this complaint from CFPB requiring AArgon to provide verification of contract to collect debt as well as proof of FCRA Compliance.

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 2017-06-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Upon graduation college following the 6 month no repayment period, I started making payments on my loans without having full-time employment. It got to a point my loans were not being paid. I reached out to  XXXX   XXXX  now  Navient to go ov er options. I was told my only option is Forbearance which delays my repayment plan and their favorite mantra " We will bring your account to current ''. I received a very brief description of the plan. After looking over the loans I noticed my loan almost doubled over time in interest. I was never told or contacted about other income based options, forgiveness plans, or just help managing my interest at all. I understand I have an obligation to pay back the debt I have borrowed. The company also has a obligation to operate in good faith in their dealings the clients. Not mislead, coe rce, or blatantly operate in a manner to encroach on individuals. My account was placed in forbearance over 5x and  accumulated a large amount of interest. Coming out of college and trying to find a career while paying for housing and living costs are tough. Especially when you add to a higher than normal unemployment rate and employers looking for experienced workers. This process was made tougher in my personal dealings w ith Navient. Since then my credit has suffered and have been in a perpetual cycle of low credit score and high interest on simple things like financing a phone or getting a car loan to drive to work. All thi s due to  XXXX  open line items on my credit which consist of  all ( loans ) in negative standings. I write this to inform you of the deceptive practices by Navient and the long term affects it has had on students, parents, individuals both past and present.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: CITIBANK, N.A.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My wife and I set up a joint XXXX  account with Citibank in XX/XX/2022. We used it for a bit, having problems with getting his XXXX  XXXX deposited. Just when we thought we had it figured out, and he began getting direct deposits there as well, we got a notice that the account was going to be closed ( mid XXXX ). 

Then XX/XX/XXXX we got an email saying that our information was incorrect and that our account was not being closed, and the XXXX we got an email stating that our statement was ready. However, we were unable to log into our account ever since they said it was closing. 

My wife called customer service to see what was going on, and it turns out that yes, they were closing it, and they said it would be XXXX days before we would get a check with the remaining funds in the account. We tried setting up several appointments for a phone call with a branch ( we live nowhere near XXXX ) and they never ever called at the scheduled time. Then, the end of XXXX, we got another notice that the account was being closed. 

So, we thought our account was going to be closed since XXXX, in XXXX we got conflicting information. We called and confirmed and they said, yes, you'll get a check in XXXX days. 

Well, then XXXX, XXXX, XXXX roll by. We call mid XXXX to see where the money is. They say they're so sorry and will send it in XXXX business days. Of course the Spanish help line can only do basic inquiries and the rest is done by Indians will such a bad connection that you can barely tell what's going on. We get transferred at least XXXX times per call, and are on the phone for almost an hour. They finally give us a case number and said that we can call and see what's going on. 

So, we wait. No check. Things get crazy busy, and we finally have a quiet minute to call again. We call after XXXX and no one can help me. I have my wife call, and they say the account doesn't exist. We get transferred a XXXX times again and she's on the phone for an hour trying to figure this out and telling a XXXX departments what's up. Finally, they assure her that the request has been approved and a check will arrive in XXXX business days. 

Today has been XXXX business days NOT counting XXXX XXXX 's observed. No check. We've been waiting now almost a YEAR to get our money back from his work and direct deposits, and when this first happened, having to get help with rent and other living expenses, since Citibank just froze the funds and decided to close the account.

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 2023-02-10
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
CRA continues to violate FCRA 605A. Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] Several other  consumer protection laws, state laws and federal laws. 

Also CRA is claiming that they haven't received any correspondence by way of the CFPB from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Jemcap LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
There is a company called  XXXX   XXXX   XXXX   XXXX  ... a foreign  XXXX . They have come into our state buying defaulted mortgage debt without a license by the Department of Consumer Affairs and they are using the courts of this state to collect these debts without a license. They present themselves as " Lenders '' without a lender 's license ... they are in our state 's Supreme Court a nd federal co urts filing illegal foreclosure actions because they buy these debts in default without a debt collection agency license ... they are in cahoots with another company called   XXXX   XXXX   or  Jem Cap ... .. the people of this state do not know or are not well informed of legal and / or lilegal debt collection practices and the laws of this state which protect us. A complaint has been filed with the Department of Consumer Affairs and this company has not responded as of yet ... the DCA can not enforce a response but your agency can ... if not maybe you can forward this complaint to the FTC ... they are running amok i n our State against our citizens, under the radar.

Company response to consumer: Untimely response