BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-07
Company: WELLS FARGO & COMPANY
State: VA
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 signed up for XXXX XXXX to validate my credit information. At the time in XX/XX/XXXX I found four items that were incorrect on my XXXX credit report. I immediately, did an online dispute for the four incorrect items. 30 days later, I received an email from XXXX XXXX notifying me that three of the four items were removed. The fourth item was not removed as the company stated that the item was indeed correct and mine. I called, XXXX and spoke with an associate who submitted a new dispute for me requesting that the company, Wells Fargo provide me with proof that the item belongs to me. The dispute was done on XX/XX/XXXX on XX/XX/XXXX, I received and email from XXXX stating the dispute was complete and that the item was confirmed by Wells Fargo. <P/>I called Wells Fargo on XX/XX/XXXX and was transferred four time to no avail. On XX/XX/XXXX. I called Wells Fargo again and finally spoke with XXXX in the personal loans department. I explained to XXXX that I was trying to get information on an item listed on my credit report that I know is not mine. I advised that my credit report lists the item as an Automobile loan with a partial account number of XXXX though when I spoke with someone from Wells Fargo in auto loans they could not help me. <P/>XXXX advised me as follows : The loan is actually a secured personal loan and was opened XX/XX/XXXX. He also stated that an automobile was used as collateral. I asked him to advise me of the make and model of the car used as collateral but he could not tell me.I asked for proof that this account belongs to me ; a copy of the signed document in an effort for me to compare signatures, XXXX placed me on hold to confer with his supervisor. XXXX came back to the line and asked for my address as he had to submit a formal request to have the documents mailed to my address. XXXX was not able to could not provide an eta on how long it will take to receive the documents or what the documents will consist of. <P/>Please help me as I am certain that I did not open a secured loan with Wells Fargo in XX/XX/XXXX. Wells Fargo is unable to provide me with any proof that the account belongs to me. <P/>Thanks in advance. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
BANK OF AMERICA IS REPORTING THE ACCOUNT # XXXX WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE. ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED BANK OF AMERICA SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF XX/XX/XXXX WHEN IT WAS REPORTING XX/XX/XXXX AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO THREE CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING BANK OF AMERICA TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS

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 2019-12-06
Company: Clarity Services
State: MO
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:
On XX/XX/2019 I received an alert from XXXX  that a new inquiry appeared on my credit report. I looked at the report, and the inquiry is from Clarity services and was placed on XX/XX/2019. I did not authorize them to do that. At the same time, I started getting calls from payday loans. I am worried that either my ID got stolen OR that Clarity services is pulling my report for a payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a Citi XXXX Rewards credit card on XX/XX/XXXX. Citi informed me via secure email that I needed to verify my income by submitting a payslip that included my social security number. 

My employer does not provide payslips with a social security number. I called Citi and they said it was fine to submit whatever I had. I submitted a payslip to their secure email address. Two days later, I called in and the representative claimed that I did not have the income I reported on the application. I explained that the annual income I reported on the application does not match the payslip because I started the job in XXXX and it is early XXXX ; I would not have made that amount within the last 9 months. 

The next morning, I received a secure email that was identical to the first. It said I needed to verify my income by submitting a payslip that included my social security number. I called back in, saying that I already explained the situation. The representative said I needed to submit proof of address. As I did not receive this request for proof of address in writing, I decided to withdraw my application. 

This situation was extremely frustrating, especially since I had a credit card with Citi until fairly recently. I do not think I should have received a hard pull on my credit report for this.

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY they are inaccurate. MY CURRENT EMPLOYMER is XXXX All other addresses are not accurate. I need my correct information updated.I have some addresses on my credit file that are not accurate. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2019-12-06
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:
Someone has stolen my identity I check my credit and notice Fraud Accounts I did not give anyone permission to open any accounts using my personal information this is very stressful I'm a XXXX  doing my very best at life, and someone is trying to destroy my credit which is very important for my future.

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 2017-06-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Paid in full Amt due per attached check. Credit report still reflecting balance due and derogatory credit score which I have disputed over and over while they drug out their investigation that my credit union reported they input info wrong electronically causing a bank certified not personal check sent by my bank officer in XX/XX/XXXX to bounce. The amount of the bank certified ck due {$350.00} in XX/XX/XXXXto pay in full account ending XXXX not XXXX as they have on credit report. CIti is very unorganized which is why I closed my acct in XX/XX/XXXX and asked for payoff. I will never use them again. The rest of my credit report is stellar. Giving these crooks this kind of power is absurd and unamerican.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have several hard inquires that I did not authorize showing on my credit report. I have sent letters to Transunion regarding this issue and called them on  XXXX   XXXX ,   XXXX   and spoke with an Agent. I advised him that the hard inquires listed ( see below ) was not authorized by me and I have made several attempts to have them removed. There is no signed paperwork or documents proving that I submitted applications with any of the company 's listed below. Per FCRA the credit bureau must report accurate information and investigate when the consumer request and investigation. None of this was done and Transunion is in violation of the FCRA due to this issue. Please assist with removing the unauthorized inquires below ....       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2021-06-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have a car loan with my husband of 50 years we have a income of {XXXX not including our rental income from our renter. Equifax deceased my credit score by XXXX points just because my HUSBAND of 50 years filed BK in XXXX  ..again our income is XXXX per year or more.they also have my birth date incorrect. 
They state that my credit score decease because my credit utilization rate is 160 % of my available credit I no not have that much credit. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2021 - Credit pulled by XXXX, CAPITAL ONE, and XXXX XXXX XXXX. XX/XX/2021 - Credit pulled by XXXX. 

I did not myself request my credit to be pulled for any reason. I have no accounts with any of these lenders. 

XX/XX/2021 - I called XXXX and they suspect fraudulent activity. I also called XXXX and they recommended I submit a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06
Company: Convergent Resources, Inc.
State: GA
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 received an alert from XXXX  that my credit report had changed. I logged in to see an account from Convergent for $XXXX   for XXXX  XXXX XXXX. I never received any notice in the mail regarding this debt nor did I receive the right to dispute.  The balance was paid in full to the merchant and the confirmation is attached.

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: TX
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:
We agreed to pay off a collection last year in XX/XX/2021 with XXXX XXXX XXXX. The agreement was with account representative XXXX XXXX. that once the amount was paid in full. XXXX XXXX will request for complete deletion from our consumer credit report and send to XXXX, XXXX and Equifax. This is a joint account in the sum of {$1200.00} was paid by me and my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received billing or notice that i owe a debt to them. 
They posted on my credit report without warning or a chance to verify debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Cadillac Accounts Receivable Management
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a court notification back in XXXX of XXXX regarding a XXXX  XXXX  company that was the original company but Cadillac account rec was the collocation company it was a old bill back in XXXX that my insurance company had paid. I went to court and my insurance company didn't provide me the proof in time so I had to pay the full amount and attorney fees in the amount {$580.00}. I paid it and three months later I see a notice on my credit report for another {$81.00} never received bill never received a notice I called the XXXX  XXXX  company and was told they have no knowledge of this I called Cadillac Account and they hung up on me. I went to court and paid everything and now another account and debt is added with no proof I owe this and not notice I owed this after I was told all I owed was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: EQUIFAX, INC.
State: PA
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:
I would like to have these collection accounts removed from my credit report. The balances on these collection accounts are inaccurate and they are damaging my credit. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I've sent my regular monthly payment into my mortgage of {$1200.00} dollars all of last year, but Ocwen Loan Servicing stopped receiving my payment as of XXXX, 2017. I have been in contact with the company and have submitted numerous requests for an understanding of why they are not accepting anymore of my payments, and why after a number of requests for an loan repayment plan, they keep turning me down, despite a change in my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the following accounts with erroneous information. 

CAPITAL ONE AUTO XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} ; CAPITAL ONE XXXX OPENED XX/XX/XXXX BALANCE : {$0.00} ; CAPITAL ONE XXXX OPENED XXXX XXXX XXXX BALANCE {$0.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
IT'S BEEN 3 YEARS AND NO ONE IS ABLE TO PULL MY EQUIFAX REPORT. I CAN NOT CREATE AN ONLINE ACCOUNT TO LOGIN TO VIEW MY EQUIFAX. I HAVE CALLED AT MINIMUM 40 TIMES TO EQUIFAX TO GET THIS PROBLEM FIXED AND THEY TELL ME THERE IS NO PROBLEM. THERE IS NO CREDIT FREEZE OR FRAUD ALERT ON MY ACCOUNT PER EQUIFAX. WHAT THE XXXX IS GOING ON? I HAVE GONE BACK AND FORTH WITH LENDERS AND EQUIFAX AND HAVE USED THE SUGGESTED ADDRESSES AND NAMES THAT THEY TELL ME TO WHEN PULLING. HOW DOES THIS GET FIXED? I AM ON THE VERGE OF SUING EQUIFAX FOR DAMAGES. THIS HAS BEEN FAR TOO LONG AND UNACCEPTABLE. THERE IS SOMETHING IN YOUR SYSTEM PREVENTING THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Experian Information Solutions Inc.
State: NJ
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 have been sending dispute letters asking for these egregious accounts from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Mortgage, XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX   XXXX  to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.

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 2021-06-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2021 I filed a complaint which was assigned XXXX XXXX. 

Recent correspondence from Wells Fargo advised me that Wells Fargo intended to contact the credit reporting bureaus in accordance with my request. Wells Fargo was to advise the credit reporting bureaus of a errors by Wells Fargo which resulted in the erroneous reporting of my account. I am simply seeking a printed copy of the communication from Wells Fargo to the bureaus and printed confirmation from the Bureaus that my record has been corrected to show no late payment. 

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

Complaint:
In  XXXX   XXXX  I was diagnosed with    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   . IN anticipation of running afoul of my bills I contacted  Navient  and was advised that I had to fill an online application for Income driven hardship. The site was confusing. Nonetheless, in the throes of  XXXX , I provided all the information and waited to be contacted regarding this process. Never heard from them but apparently, they must have done a forbearance or something and I received a letter telling me next payment was due in  XXXX . In meantime I called and discovered that they had denied my hardship as I had not sent in the proper paperwork. NOt true it was all scanned and uploaded. I asked WHY if I sent this months ago has no one contacted me? double talk. So, now the date for whatever this payment arrives ... it is not the income hardship but something else that I have no idea about which I 'm sure extends my interest somehow. I suddenly receive a letter on  XXXX   XXXX ,  XXXX  now telling a different story then I was told over the phone. I call and yes they received all the paperwork but the scan was " unreadable '' please send tax return or proof of income again. So  XXXX  different stories.  <P/> IN meantime, not sure if I should make this payment now days late as it is NOT what I requested and do not want to have this seen as I except what they are doing. Now. I am receiving   XXXX    daily phone calls from " unavailable '' early  XXXX  and late  XXXX .  Imagine  having to run to the phone with   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   while recovering from   XXXX   XXXX   Only to get a " recording '' that tells me hold on..finally getting someone to get on phone. They repeat themselves..several times, recorded line, young person with condescension on phone. You hear many people behind them as it sounds like a calling center. then ask for identifying information.. I tell them I do n't know you ... you could be from  XXXX  or some country using a dialer and I am not giving you information about me that you can use to hack my identity.  <P/> " well without this information we ca n't help you. '' I did n't ask for help! You called me and I want it to stop! More condescending tone.  <P/> I have called Navient myself to deal with this alleged lie about my " unreadable tax return '' and it is clear the other call if from them is only about this {$200.00} or so dollars that is NOT the hardship agreement.  <P/> I have asked them to NOT CALL as I have no intention of talking to strangers and providing private information..of course they ignore me and do the harassment anyway.  <P/> What can I do.. I am recovery from    XXXX   XXXX   . I have  XXXX  now sent the required paperwork and they are playing games.

Company response to consumer: Closed with explanation