BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX a balance of XXXX on my credit report, open for 1 year 8 months. This account is not mine. I have called the company and disputed through the credit bureaus. I am to date a customer of XXXX as of XX/XX/XXXX. 

The XXXX XXXX XXXX I lived at this apartment complex XX/XX/XXXX to XX/XX/XXXX. Its been on my account for 3 years and 10 months I gave a 30 day notice and moved out accordingly. I received my security deposit back. I called the complex and have disputed through the credit agencies. 

XXXX XXXX XXXX open for 5 years and 6 months. I have no idea what this is or why its on my report. I dont even know how or who to contact to dispute. 

XXXX- I have several student loans through XXXX XXXX There is a delinquency report from XX/XX/XXXX to XX/XX/XXXX. 
I have always, paid my loans or put in forbearance. The accounts have been consolidated and I was told by the representative that the accounts were in good standing. Currently Im in a loan forgiveness program for nurses. I have spoke with a representative from the company and negative reporting was resolved. 

XXXX credit- Reports a 30 a day delinquency. I called the company and explained that I was ill with Covid and tried to make arrangements. The bill has been since paid and brought current.

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 2016-02-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I wanted to refinance my property and noticed that my identity was stolen and used to open a fraudulent account under my name without my knowledge. I am a victim of identity theft. I filed a police report at XXXX Police Department in California. I contacted with the credit bureaus and sent them Identity Theft Affidavit and Police Report. The credit bureaus removed the fraudulent account, but after a month I 've got a letter from XXXX credit bureau that they re-inserted the following fraudulent account : Wells Fargo Bank - account no : XXXX. I again contacted with XXXX to find out why they re-insert the fraudulent account. XXXX representative tole me I need to contact with Wells Fargo Bank. I asked him to do three way conversation to see what the problem is. XXXX agent contacted with Wells Fargo bank and I explained XXXX of the agent of Well Fargo Bank Fraud Department. She asked us to hold two to three minutes to find out what happen. After 45 minutes, she took the phone ( without any excuses ) and told us she should transfer the phone another representative. So, another representative took the phone and I explained her what happen, she hanged the phone on us. XXXX representative was surprised and I was shocked because nobody could help us. I asked him to remove that fraudulent account but he regret to do it. I asked a supervisor from XXXX credit bureau and he transferred me to XXXX XXXX, the supervisor of XXXX. After two hour, he called me, and again I explained me what happened. He advised me to do three way conversation one more time. After all, XXXX XXXX called to Wells Fargo Bank. This time Wells Fargo Bank representative from fraud department did not let to XXXX to hear our conversation. But I insist to talk on front of XXXX supervisor, but she hanged off the phone on us. I asked XXXX XXXX XXXX to removed Wells Fargo fraudulent account from my credit report, but he did not remove it. He told he will call me one more time next day and try to fix this problem. However, since now I do not receive any phone calls from XXXX. Please help me to resolve this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have reason to believe that my deaseased husband XXXX XXXX XXXX SS # XXXX, committed mortgage fraud and tax fraud in my name or my name that has been hidden from me until now because I was XXXX. I think that he forged my name on documents and included me on a bankruptcy without my knowledge. I believe that my credit report is also not disclosing this. I 'm currently working with XXXX to restore my identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: WELLS FARGO & COMPANY
State: ID
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was a perchasing a truck through XXXX and I was given a bank account to make a deposit at Wells Fargo bank I did so but things began not adding up I contacted wells Fargo and told them the bank account was being used for fraud transactions I was told the money was still In the account and that in order to get it back I had to file a police report I did and the officers also were told the MOney was still in the account the officers told the bank they needed to freeze the account until they could get prosedures done to investigate further the bank no longer would talk to me about the money and they even let the person withdrawal all the money knowing it was a fraud account they had been aware of that from me and the police department

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 2021-08-12
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been Disputing a Debt that has been sent to Transworld System Inc regarding a payment for rent that I do not owe. I have one them proof that due to a change in staff and the apartment complex not being able to properly keep track of their bookkeeping, I do not owe this debt. They have admitted to making this mistake as this mistake almost made me go into eviction. Transworld continues to report the item on my credit report. They have sent me a copy of the rental agreement which is missing my signature, and it is not enough proof to continue to report this item as I have always paid up to date my rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hi - I saw a {$95.00} fee was assessed on my XXXX XXXX account. When I called to inquire as to the reason, I was told that a banker changed my account type to a Platinum Checking, which I never asked to occur. While the phone representative refunded the {$95.00} fee, when I directed the account be restored to the prior account type, with a {$2000.00} minimum balance, I was told that he was unable to assist and I either needed to call the banker who made the account change without my consent or go in person to a branch to solve the issue. 

This resolution does not value my time, nor did Chase attempt to rectify their error, including the unauthorized change in the account type. As such the account still has not been restored to a Business Complete Checking Account. If I have to spend additional time on this, I would like to be compensated for fixing an issue that is entirely caused by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
On XX/XX/XXXX I, XXXX XXXX XXXX, original creditor/consumer sent all three major credit reporting agencies Affidavits of Truth with simple demands. I gave each agency 21 days to fix the credit reports with my written instructions as shown in the attachments. I even attached copies of the law to each letter for each US code. I have only heard from one agency via mail and that agency ( XXXX  ) did not respect my demands. Im sure the other two agencies didn't respect my demands either as I didn't receive mail from them within the respected time frame. Find attached XXXX  letter with incorrect information and " dispute results ''

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 2016-11-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I applied for a personal loan at Wells Fargo. I have had an account with them for several years now and I 've never taken out any type of loan with them in the past. I got denied because I have bad credit which is understandable. My banker then recommended me getting a co-signer to reapply. I went and got my sister to help me out noting she has excellent credit. When we went back and reapplied, the banker notified us we had been denied again, acknowledging the good credit my sister has but the reason we got denied was because my sister " was not associated with the bank '' meaning she does n't have an account there. Even the banker herself thought that was a " ridiculous '' reason. I think that is unfair and misleading. Why they even told me to get a co-signer in the first place if I was going to get denied regardless. I felt betrayed by the bank I 've been loyal to for years. I do not want to change banks but I 'm losing faith in this bank. Hopefully this issue can be resolved.

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 2021-08-12
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I attempted to put a credit freeze in place with Experian. First I created an account, but found that an Experian account does not allow you to freeze and unfreeze your credit ( compare with XXXX, which makes this easy ). 

I then went to XXXX XXXX XXXX  where I had to re-enter ALL of my information. After doing so with care, I got an error saying " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' and a message asking me to submit the information via SNAIL MAIL. ( Seriously? ) It seems Experian is trying to make it so hard for people to freeze their credit that they won't bother. This is very shady and does not seem like a good faith implementation of the law.

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 2021-08-12
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The 3 Credit Bureaus are reporting inaccurate information on WELLS FARGO DEALER SVC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2020-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Capital one Account Number : XXXX {$4600.00} Capital one has the above account list as a collection on my credit report. I am not aware of the full details of the charge from XXXX rental company. Ive contacted capital one and XXXX and neither have been able to provide me with an itemized bill. XXXX representative stated that the bill kind of matches a tow receipt the company charged me for but the system deletes every six months so there's no way of knowing exact charges. They have reported this to my credit bureaus knowing its in accurate and un accounted for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
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: Account information incorrect

Complaint:
Balance is incorrect on vehicle loan XXXX XXXX XXXX XXXX it should reflect a balamce of {$10.00}, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I was called on XX/XX/XXXX I was left a voicemail by a compliance officer and a case number saying there was a pending case against me not stating what for but threatened to have someone come to my place of residence or employment to sign papers still not stating what for when I returned the call the man stated that they were a debt collection agency attempting to collect a debt owed from a company called midland funding I have a collection on my credit for a midland funding so I thought this was the debt and when asked I said yes that is a debt I owe he then proceeded to say it was for a payday loan I received in XXXX. I asked for proof of this debt as I dont recall and he told me that is what the compliance officer is going to give me when he finds me at my place of residence or employment. They have apparently called me multiple times and now they have left that voicemail again not stating where they are calling from and what the debt is until I returned the phone call and still he didnt provide me with adequate information so I can confirm this debt is me. If Im not mistaken they are required to let me know who they are in the voicemail they left that was threatening which they didnt do and I dont believe they are allowed to come to my job for that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-03
Company: DriveTime
State: AR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I went to drive time with my granddaughter to buy a car. I was told I had to " cosign '' for her. She did not make timely payments however has paid XXXX more than if she had. This has my credit looking very poorly. Drive time refuses to sent me itemized statements. And to top it off I was told I was n't a " cosigner '' at all. Her names nowhere on the contract yet she signed the same paperwork I did.

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 2016-11-29
Company: GULF COAST COLLECTION BUREAU, INC.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The debt collection agency has made no attempt to contact me, will not answer emails/inquiries/phone calls. Did not respond to request of verification of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: ACS Education Services
State: FL
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 'm charged late fines when it does n't show anything overdue. I have emailed and spoken to a representative about the matter, but they say I 'm not paying enough with the interest. However, it never states on my bill what I need to pay to actually cover all the costs to avoid the late fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I authorized a payment on XXXX/XXXX/15 for {$550.00} to XXXX using XXXX Pay from my Bank of America Savings account. I also took {$60.00} out of the ATM on XXXX/XXXX/15. On XXXX/XXXX/15 Bank of America took out {$540.00} and applied it to my personal checking account without my consent and returned my rent payment as insufficient and applied a {$35.00} overdraft fee to my account resulting in a negative account balance of {$10.00}. I am attaching a copy of my rent statement showing the authorization made on XXXX/XXXX/15 for my rent and the ATM receipt for the {$60.00} I withdrew from the ATM.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This has happened before with this " debt '', XXXX XXXX XXXX ( ambulance company ) has sold the debt to collection agencies - supposedly - which has already been paid in full by the worker 's comp plan. The worker 's comp plan tried to avoid paying the charges, but they are liable and I have written statements from them that they have paid off the debt. Subsequently, collectors allegedly acting on the behalf of XXXX then call me and claim the debt is still owed. It's clearly a scam due to XXXX being negligent in their care with personal information. The latest offender involved is " Credence RSRC '', the dead giveaway being collectors based in XXXX who have no personal information, no customer service skills ( aggressive, unrealistically pushy demeanor ), and a refusal to verify the debt ( ILLEGAL ). Use of robo calling - calls from numbers XXXX, XXXX - to appear local and legitimate. I've confirmed that this charge doesn't exist - certainly not on my credit report after nearly 5 years since the actual charge was created, clearly this is fraud and not a real collection attempt. Cheers!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: AL
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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card
Issue: Transaction issue

Complaint:
XXXX XXXX, 2015, while making reservations for my husband and I to travel to XXXX XXXX and XXXX online, I made a reservation for a flight between XXXX and XXXX. The flight reservations were made using using the XXXX search engine which transferred me to XXXX, who made the reservations on XXXX Airlines. After making of the reservation using my XXXX Airlines Bank of America card, I received an alert in my email from Bank of America. I phoned Bank of America and was informed that they had declined the purchase because it looked suspicious. I advised to make the reservation again. I tried to make the reservation again, assuming that the XXXX was cancelled due to being declined. The XXXX site would not process my request because of the earlier reservation. So I used XXXX to book a XXXX XXXX flight from XXXX to XXXX. When the flight had been confirmed I made a reservation for a hotel room in XXXX using the XXXX site. It was confirmed. I phoned Bank of America and was assured the purchases would go through. 

Yesterday I went on my online account with Bank of America. The account showed that the charges for the flight and hotel were pending. I phoned Bank of America and was assured the XXXX XXXX purchases would go through, and that I could use my existing card for 30 days. I also called XXXX and was told our hotel reservation was still confirmed. 

This morning I checked my online account with Bank of America. The pending charges were no longer there - they had been declined AGAIN!!! The woman I spoke with, whose name was XXXX was extremely rude. 
I called a XXXX XXXX XXXX XXXX for help and was told that the flights were still confirmed. This means we are responsible for payment of confirmed but declined reservations which are non-refundable. Every time I try to make another flight reservation the cost increases. I am sure the same with the hotel. AND I am not certain if future purchases will be declined again. I do not know what to do. Any help will be greatly appreciated. 
Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation