BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-11
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:
Fraudulent accounts were opened online, in my name with XXXXXXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. I did not know about these accounts until I received a debt collection letter in regards to one of these accounts. These are fraudulent accounts that I never opened! 

When I became aware of the fraudulent accounts, I immediately opened disputes with credit bureaus, reported to XXXX XXXX XXXX fraud department and XXXX XXXX XXXX XXXX   fraud department for investigation on XX/XX/XXXX. I also placed fraud alerts and credit freezes with all 3 credit bureaus. On XX/XX/XXXX, I filed a police report with my local police department about the fraud/identity theft. 

I received a collection letter for the amount of {$7800.00} from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX. This prompted me to check my credit report, where I discovered two fraudulent accounts, one being with XXXX XXXX XXXX with a balance of {$990.00}, and the other with XXXX XXXX XXXX XXXX  in the amount of {$7800.00}. I have never received a card for the accounts with either company, I never received any billing statement, online or by mail, and my email address and phone number is not associated with the accounts. I did NOT apply for the accounts!!! 

XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX  also never contacted me to verify my identity before the accounts were fraudulently opened in my name! 

XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX  have been unhelpful in resolving this gigantic problem. They are also not accepting the fraudulent claim due to the account being in my name, even though I, personally, have never opened an account with them. I have taken all steps to prove my innocence and to get these removed from my credit report. I've placed fraud alerts, credit freezes, reported to the FTC, filed a police report, and have sent them letters and documents recommended from FTC as well as a copy of my identity theft report. They still will not accept my fraud claim and remove it from my credit report and collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11
Company: Firstsource Business Process Services, LLC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called on XX/XX/2019, I had got their info from making calls to see who had this debt. I have never heard from them on their own. 

I called and told the guy that I wanted to dispute the debt as the amount he said was not the amount I had owing. I asked him to send me documentation and he skipped right to trying to get me to settle the debt. 

He tried pressuring me into a payment, payment plain I knew I was not going to be able to keep. I told him this several times. 

He threatened me with it going on further to collections. Remember I as well recorded the call, I always do. 

When I again brought up wanting to see documentation, he talked around my request and just wanted payment. 


They were also informed in a email * contact form* that I wanted this information and they were also infomred they were not to call me, friends, family or at my work, or neighbors. 

They can email me at the email I gave them, but the documentation must come thru mail. I wantt a hard copy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: WELLS FARGO & COMPANY
State: MI
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 call the bank on XX/XX/XXXX to add a mailing a address to my newly approved Wells Fargo XXXX XXXX card, they told me to call back on the next business day to update that info. then call back the XX/XX/XXXX, got the info updated and was awaiting for new card to arrive in the mail the said it will take 5 to 7 day. I called the XX/XX/XXXX spoke to female she said there was no card there for me no even my XXXX card, she hung up call back go to male buy the name of XXXX he told me that the card was shipped out on the XX/XX/XXXX he also said I should give it two more business days because there might be a delay. I waited until the XX/XX/XXXX the card did not arrive call the bank then they say that they are send me my card express, they could n't do they said that there are fraud on my account. I the bank today XX/XX/XXXX one rep told the account was closed hang up I called ask for supervisor then a manager when I spoke with the manager she said everything is gon na be ok she is gon na have a department call me back to fix the issue I have within 2 hours waited 3 hours no call the name to the manger was XXXX, After waiting for the call I call ask for a supervisor got connect to one by the name of XXXX I explained to bill what happened then he said that 's not what he is seeing in the note he checked twice still nothing when I played recording from XXXX 's call when he checked the 3rd time that when it magically appeared back in the note the he advised me that no one will be calling me back. they are note treating me right Wells Fargo should be more customer friendly and let the application process be smooth

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 2018-04-11
Company: Dream Center Education Holdings
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My Complaint is About A Grade Given to Me By An Instructor At XXXX XXXX XXXX. I Requested A Review Of All My Graded Assignments. I Emailed A Complaint To XXXX XXXX Concerning my Grades. Call Me At XXXX. I am Leaving XXXX XXXX For XXXX XXXX XXXX  And I Want All Federal Aid PAYMENTs To XXXX  XXXX to Be Cancelled Effective Immediately. XXXX XXXX XXXX XXXX XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: AMERICAN EXPRESS COMPANY
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:
Received targeted mailing offer from American Express for Delta Skymiles Platinum card. No terms and conditions listed on mailer about credit hard or soft pulls required for approval. Called Amex on XX/XX/XXXX and spent over an hour talking and being transferred to 5 different people with NO ONE being able to give any clarification on a credit pull being done or not done for applying for the card. I believe this to be a FCRA violation as the consumer has no way to know if credit will be pulled or not during the application process until after approval or denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
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: Personal information incorrect

Complaint:
Hello I've beed victim of Identity theft and fill that it's happen because of the incorrect information that has been allowed to remain on my credit ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: TD BANK US HOLDING COMPANY
State: DE
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:
XXXX  and XXXX  giving my credit report to companies without my consent. 
companies accessing my report without my consent These companies illegally pulled my credit unnecessary and with out my approval XXXX XXXX XXXX XXXX XXXX XXXX, on XXXX  XX/XX/XXXX Td auto, on XXXX  XX/XX/XXXX XXXX XXXX, on XXXX  XX/XX/XXXX XXXX XXXX, on XXXX   XX/XX/XXXX on

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: C B Merchant Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I payed off my debt in full and asked the company to remove my account from collections and was told they wouldn't remove it they would only update it to show payed ... i need this account removed immediately so I can qualify for a loan for a house ... please remove from collections. I also called them back and told XXXX extension XXXX that I would file a complaint if it wasn't removed.. again she told me to file the complaint and that she wouldn't remove it only update it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Experian Information Solutions 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:
Fraudulent accounts were opened online, in my name with XXXXXXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I did not know about these accounts until I received a debt collection letter in regards to one of these accounts. These are fraudulent accounts that I never opened! 

When I became aware of the fraudulent accounts, I immediately opened disputes with credit bureaus, reported to XXXXXXXX XXXX XXXX fraud department and XXXX XXXX XXXX XXXX   fraud department for investigation on XX/XX/XXXX. I also placed fraud alerts and credit freezes with all 3 credit bureaus. On XX/XX/XXXX, I filed a police report with my local police department about the fraud/identity theft. 

I received a collection letter for the amount of {$7800.00} from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX. This prompted me to check my credit report, where I discovered two fraudulent accounts, one being with XXXXXXXX XXXX XXXX with a balance of {$990.00}, and the other with XXXX XXXX XXXX XXXX  in the amount of {$7800.00}. I have never received a card for the accounts with either company, I never received any billing statement, online or by mail, and my email address and phone number is not associated with the accounts. I did NOT apply for the accounts!!! 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  also never contacted me to verify my identity before the accounts were fraudulently opened in my name! 

XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  have been unhelpful in resolving this gigantic problem. They are also not accepting the fraudulent claim due to the account being in my name, even though I, personally, have never opened an account with them. I have taken all steps to prove my innocence and to get these removed from my credit report. I've placed fraud alerts, credit freezes, reported to the FTC, filed a police report, and have sent them letters and documents recommended from FTC as well as a copy of my identity theft report. They still will not accept my fraud claim and remove it from my credit report and collections.

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 2017-05-31
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My name is XXXX XXXX. XXXX XXXX, I graduated with a XXXX Degree in XXXX XXXX XXXX XXXX. My school promoted something that they never delivered. That was the promise of a job after graduating. Unfortunately when I was into the program the Dean was demoted and the staff did not care about the students. There were no XXXX programs and the staff did not help me find an XXXX. The upshot is that I am earning a low income. I have made a good faith effort to repay my loan at a monthly rate I could afford. Going back to when Navient was XXXX XXXX I had been mislead and hurried by unprofessional and dishonest XXXX XXXX reps. They have obscured information on my payment options. I do n't have the exact dates regarding the grievence I am going to address. However, I would be happy to give my account number to track them. This was around three years ago. I had trouble paying the {$110.00} on my loan. I asked the Navient Rep to defer the loan a couple of months. Instead he aggressively pushed me into a loan where I pay {$64.00} for two years and that it will go up. He stated that this was the best plan and that there were other opportunities to keep a monthly payment after this period. This was totally dishonest. He obscured information on interest only payment which would of been less than a {$100.00} a month at the time. Instead after two years my interest with principle skyrocketed. Last XXXX I called Navient. My monthly payment went up to over {$200.00} that makes it impossible to repay this loan in good will. Now I am in a position where I have to defer my loan because Navient 's information resulted in higher monthly payments with interest. I am in an economic hardship position. My annual XXXX income was around {$27000.00}. My cost of living bills include leasing a car for transportation, rent that keeps rising, car insurance, credit card, medical insurance, electric, phone, food, and dental.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone received a charge card using my name and information with SYNCB/PPC ( Synchrony Bank/Paypal Credit ) XX/XX/XXXX . The account was not used for XXXX months. Then whoever began making small purchases and paying them off for an XXXX  month period. Then whoever charged {$3700.00} and did not not pay it. The credit bureaus in XXXX notified me that I was past due on an account. I notified SYNCB/PPC in writing that this was a fraudulent account set up by someone else using my personal information. SYNCB/PPC notified me that they accept that the application for the charge card was a fraud and I was no longer responsible for paying the outstanding balance of {$3700.00}. 
XXXX, XXXX, a credit bureau notified me that my credit report had been updated with a new address ( I had not moved ). SYNCB/PPC had submitted the new address. During the process in getting the address removed from credit report, I noticed that SYNCB/PPC still had in my credit report the outstanding balance owed of {$3700.00} written off " charge off. '' Since the account was fraudulent opened and I had nothing to do with the charges I'm requesting the SYNCB/PPC charge and all related info be removed from credit history.

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 2023-01-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo facilitated a third party fraud scheme which resulted in monetary loss to me. Wells Fargo accepted for deposit, and made funds immediately available, on checks that were counterfeit on their face due to an unassigned bank routing number. I believed the checks were legitimate instruments and deposited through Wells Fargo mobile app. Wells Fargo only made me aware that the checks were fraudulent AFTER I had paid funds to the fraudster. While Wells Fargo is aware of this fraudulent practice by third parties, it has taken no steps and employs no safeguards on its mobile app to protect its customers from being victimized.

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 2022-04-26
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: Information belongs to someone else

Complaint:
The following accounts have properly disputed multiple times with XXXX, XXXX, and TransUnion because they are not my accounts.There is now way these erroneous accounts were actually " verified ''. I have now filed an identity theft report with FTC in regards to identity theft ( attached ). My information has clearly been compromised and possibly merged with another person 's file. 

Also, in accordance to the FCRA, the following accounts are in direct violation of my consumer rights : XXXX XXXX - Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX - Reference # XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX - Acct # XXXX All accounts listed above are in violation of the following consumer laws : 15 U.S.C 1681 section 602 ( a ) ( 4 ) states that consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b section 604 ( a ) ( 2 ) states that any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to it relates. 

15 U.S.C 1681c section 605 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

I have attached FTC report and XXXX 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 explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I've sent a depute to TransUnion for closed account t be delete from credit reporting ( US DEPARTMENT OF AGRICUL ) ( dispute On XX/XX/XXXX ) for more than 30 days and by law, they did not hold up to the 30 days to comply and getting back to me about the investigation

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 2021-04-01
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: Investigation took more than 30 days

Complaint:
I contacted TransUnion, LLC to removed XXXX XXXX off my credit report 30 days ago.

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 2022-04-26
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: Information belongs to someone else

Complaint:
The following accounts have properly disputed multiple times with XXXX, Equifax, and XXXX because they are not my accounts.There is now way these erroneous accounts were actually " verified ''. I have now filed an identity theft report with FTC in regards to identity theft ( attached ). My information has clearly been compromised and possibly merged with another person 's file. 

Also, in accordance to the FCRA, the following accounts are in direct violation of my consumer rights : XXXX XXXXr - Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX - Reference # XXXX XXXX XXXX  - Acct XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX - Acct # XXXX All accounts listed above are in violation of the following consumer laws : 15 U.S.C 1681 section 602 ( a ) ( 4 ) states that consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b section 604 ( a ) ( 2 ) states that any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to it relates.

15 U.S.C 1681c section 605 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I have attached FTC report and XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my second time contacting Equifax about fraudulent accounts on my credit report. Under Section 15usc 1681c-2 I have all the requirements for blocking the fraudulent accounts on my credit report. I will list them : Appropriate proof of the identity of the consumer which is my government state ID. A copy of an identity theft report which is was filed with the Federal Trade Commission which is an enforcement agency. The identification of such information by the consumer which is on the Identity theft report attached and also the letter that is attached as well. " A statement by the consumer that the information relating to any transaction by the consumer. '' I state that the information that I request to be blocked is not information relating to any transaction by me. I have a notarized letter stating it is me filing this complaint with the CFPB as well as all the Consumer Reporting Agencies so I do not want to hear about I am a " credit repair company. '' Are you saying I'm too stupid to study my consumer rights? This is defamation of my character. There are more than 5 accounts on there but the report only allowed 5 slots.

Company response to consumer: Closed with explanation