BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-16
Company: National Enterprise Systems, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt collector asked for my great niece. I am a XXXX yr old woman and my niece do n't live at my address, nor do we share the same number. When my niece called them back, they ask for her married name since XX/XX/XXXX. We immediately knew who gave these people the number. His name is XXXX XXXX XXXX and his number is XXXX. I called him and asked him why would he give my aunt 's number out and she is frail and old? His date of birth is XXXX/XXXX/XXXX and while married, he owe student loans while married.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: USCB, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC
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:
Victim of identity theft, fraudulent accounts appear on my credit report already disputed. Wish to use this as a formal statement to have removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Suntrust Mortgage claims my escrow account is too low due to an increase in both my property taxes, and home owners insurance. They are asking for more money each month. 
I investigated their claims, and they are false. I believe Suntrust Mortgage is practicing fraudulent and unfair business relations. An Internet search revealed similar claims to mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
there are inquires on my credit report that I never seen or authorize

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: OneMain Finance Corporation
State: KY
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:
XXXX XXXX, I

had three inquiries that I did not approve. XXXX XXXX  Onemain Financial XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Millco Management
State: NC
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:
Victim of identity theft, fraudulent accounts appear on my credit report already disputed. Wish to use this as a formal statement to have removed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have a auto-pay account with Capital One { ne of several accounts with Capital One } account that I have a problem with ends in XXXX. I open this account awhile ago and did not make any for about 2 years. Balance due on XXXX, XXXX, 2020 was {$2600.00}. On the XXXX, statement Capital One claimed I owed a additional {$8100.00}, I called several times and could not understand how the payments could be that high since I made no purchases, Capital One now wants {$520.00}. My credit has been ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
On XXXX/XXXX/2016 I had called in to request a forbearance be placed on my account because I could not make the payments. During this phone conversation, I also requested that all of my loans be placed on an Income-Driven Repayment ( IDR ) plan. I was emailed the XXXX Request Form and the Income-Driven Repayment Plan Request Form ; XXXX applications were faxed to ( XXXX ) XXXX on XXXX/XXXX/2016. 
I called today XXXX/XXXX/2016 and was told that I am past due on my payments. I was also told that there were no notes made requesting any forbearance or IDR plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had applied for a Bank Account with XXXX XXXX XXXX XXXX. My application was then denied when I called to ask them why I was first told that my name came up on ChexSystems. I then ask what came up, and the customer service rep told me I would have to contact ChexSystems. I went to the ChexSystems website and was able to pull up my report from ChexSystems, and It had nothing on it. I then called XXXX XXXX XXXXXXXX XXXX and spoke to a rep named XXXX. I explained to her the situation and asked what was on the report they received because I don't see it on the report I pulled up online. She couldn't give me the information and stated that I would have to file another application If I believed a mistake was made. I then ask to speak to a supervisor, and that one would call me back. I later revived a call from XXXX XXXX XXXX, Second Vice President, Online & Mobile Banking Customer Service Supervisor , Online & Mobile Banking, XXXX XXXX XXXXXXXX XXXX XXXX XXXX She informed me over the phone that ChexSystems had reflagged my address stating it was non-residential and comes back to a homeless shelter. I informed her that the information is false, and she told me to contact ChexSystems. When I contacted ChexSystems they denied providing any other information than what I was able to download from the site.

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 2016-08-14
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Dear Sir, I XXXX based on my exceptional services to XXXX Government rendered through my job in XXXX XXXX XXXX XXXX XXXX. I XXXX on XXXX XXXX, XXXX. 
I received terminal benefits after working for more than 22 years in XXXX XXXX. I used the terminal benefits cheques to open a checking account in Sun Trust 's XXXX XXXX branch in XXXX XXXX. I started working with XXXX based XXXX XXXX XXXX in XXXX and deposited my monthly compensation cheques in the same account. 

I rendered contractual services to XXXX-based XXXX XXXX XXXX in XXXX XXXX, XXXX. I obtained re-entry permit from XXXX to stay XXXX to perform my services in XXXX. 

The account was a joint account in my name and in the names of my wife - - XXXX XXXX XXXX and my son - - XXXX XXXX. My son is XXXX XXXX XXXX. We maintain sufficient balance in our account. 
Our Joint checking account ( Signature Advantage ) number is XXXX. 
Both I and my wife jointly hold a money market account in the same branch of Sun Trust Bank. The number of our SunTrust XXXX XXXX is XXXX. 

On XXXX XXXX, Sun Trust Bank decided arbitrary and without citing explicit and sufficient reasons to close all Bank accounts. You are requested to investigate the matter and ask Sun Trust Bank to cease from causing irreparable damage to all the joint account holders. 
As a regulator, I repose my faith in your intervention in the interest of customer who is powerless in front of a big Bank. Your assistance in this regard will help to protect customers from exercise of such powers by Banks like Sun Trust. In my case, I will suffer irreparable damage as I do not have any other Bank account in 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 2016-10-04
Company: ARS National Services, Inc.
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I had my identity stolen and a bunch of credit cards opened in my name without my knowledge or approval. I have gotten all of them taken off except XXXX with XXXX account # XXXX which also turned into a collection account with a company called ARS National Services. I keep getting phone calls from ARS National Services trying to collect over {$2000.00} from me which is not my debt. Each time I give them my social security number they tell me that 's not correct, when I tell them this was from identity theft they do n't believe me. I have sent all the credit bureaus, ARS National and XXXX copies of police reports, my identification documents, letters stating this was all from identity theft and they need to remove it all from my name immediately ( many letters ). They refuse to delete and keep calling to collect, keep reporting this negatively on my credit report also. This is hurting my credit score, my credit report and my life. I have been fighting this since XXXX 2015. ARS National Services refuses to send me any proof of this debt also when I ask. They say since the social security number does n't match they ca n't send me anything on it but they refuse to take me off the debt that I did not incur. I need your help in getting this resolved and my name removed from this un-related debt and my credit report fixed also. Please help me, I have exhausted all my efforts up until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my credit reports from XXXX, XXXX, and XXXX there appears a tradeline that I have been disputing since XXXX with the CRAs and the furnisher. 

The tradeline is furnished by Bank of America and lists a XXXX XXXX account number for an alleged conventional real estate mortgage opened in XXXX XXXX. The reference number is XXXX. 

I did not get a mortgage loan from either Bank of America or XXXX XXXX in XXXX XXXX. There is no promissory note, allonge, or endorsement of a promissory note listing either as a lender with me as a borrower. 

The CRAs keep returning verified as the result of the reinvestigations.

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 2016-08-15
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from Capital Accounts on XXXX XXXX, 2016, alleging that I owe an outstanding debt. I requested on XXXX XXXX, 2016, that Capital Accounts provide me with verification and validation of the alleged debt and any documents proving I, XXXX XXXX, am the person in question. Capital accounts has failed to provide me with any documentations proving that I am the debtor. I was advised by a representative in Capital Accounts office that they could provide me with an itemized bill of the charges owed. I requested Capital Accounts send me a copy of any signed documents where I promise to pay or repay any outstanding balance. Capital Accounts has failed to provide me with any documents and applied this account to my credit history without proving I am the person in question. I sent a letter to Capital Accounts within the prescribed time and Capital Accounts failed to verify or validate this alleged debt. Capital Accounts is in violation of the FCRA and FDCAP according to the consumers rights to dispute. I am requesting an " immediate '' expulsion of this negative reporting debt from my credit history and a cease and desist of any further collection activity by Capital Accounts until proper verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: General Service Bureau, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a call from a male who wanted to verify my personal information. I refused to verify anything until he verified where he was calling from. He advised he could not dislcose this information without verifying what he was asking. I advised him not to call and remove my name from his list. He started to get aggresive and I hung up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021, I applied online to New Rez Mortgage company to refinance my mortgage to a lower rate. My current rate is 5.25 %. I worked with Ms. XXXX XXXX and was doing what was requested of me. Out of the blue, I received a notice of incomplete application letter via USPS, dated XX/XX/2021. The letter stated certain documents were required that I needed to provide. I emailed Ms. XXXX on XX/XX/2021, expressing my concern about the lack of communication. My email was not responded to. I emailed the requested documents to Ms. XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. To date, I have not heard anything else about my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I called Equifax about this tradeline from XXXX # XXXX that does not belong to me. They said it is factual record. I told them it does not belong to me, I want to see proof with my actual signature showing this belongs to me. They have not sent any proof bearing my signature. Pulling something from a XXXX party vendor is not proof. Anyone can email, fax incorrect information to a XXXX party vendor. I want actual proof this belongs to me bearing my signature. Under The Fair Credit Reporting Act XXXX XXXX XXXX a ) ( XXXX XXXX you have 30 days to show me proof. Otherwise I will file a small claims action against you seeking damages of {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Back in XXXX I would constantly get hit with fees after fees. Then towards the year of XXXX they took {$2000.00}. They were supposed to dispute the charge and did not because I had all the proof of the fraud. They are crooks and I would like my {$2000.00} back, plus all my ridiculous fees!!!

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 2016-04-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax removed XXXX accounts off my credit report. All accounts were not old and this has effected my credit score. I have attached the credit report with all XXXX accounts. 

XXXX XXXX XXXX account XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Navient Solutions, LLC.
State: WA
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:
Navient short changed me of {$15.00} on the second refund check, it should of been {$190.00} but got {$170.00} instead. called them spoke to  XXXX  she told me there was a IRS filing fee and I told her I was not to be charged anything. Kept getting the run around with her, hung up and contacting you an d Washingtons Attorney Generals  office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: WELLS FARGO & COMPANY
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:
Account was in deferment due to COVID 19 payment assistance however they were still reporting my account as late to the credit bureaus. 

Submitted a dispute with WF however this was not corrected.

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 2016-12-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Please note that this was placed on my credit in error. This should be removed from my credit profile immediately. XXXX XXXX XXXX has acknowledged that this should be deleted off of my credit profile. XXXX XXXX XXXX XXXX has since filed a UDF ( Universal Data Form ) with all the credit bureaus to have this removed from all XXXX of my credit profiles. Please have this removed immediately and forward me confirmation that this has been done. I have attached a print out of the email XXXX XXXX XXXX sent me to confirm that they have requested this deletion. Please see the contact information for the XXXX XXXX XXXX attorney that has been facilitating the correction below : XXXX 

XXXX XXXX XXXX XXXX, VA XXXX Toll Free : XXXX ext. XXXX Phone : XXXX ext. XXXX Cell : XXXX Fax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX, Activity Designator Should be " Paid and Closed '' The Pay History should reflect only for the months in which this account was opened. 

When EQ manually updated this Tradeline XX/XX/2015, the Pay History was space filled with NR.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, 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 am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021, exercising my rights under FCRA 611 ( a ) ( 15 U.S.C.1681i ) I challenged the accuracy, compliance and report-ability of these accounts below 1. XXXX XXXX : Account number : XXXX, How did you verify this account. 

2. XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. 

3. XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. 

4. XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. 

5. XXXX : Account number : XXXX, How did you verify this account. 

6. XXXX XXXX XXXX : Account number : XXXX, Please remove this account from my credit report. This account is showing several late payments, and I am for certain that I was not late during these months. 

7. XXXX  XXXX : Account number : XXXX, How did you verify this account. 

8. XXXX  XXXX : Account number : XXXX, How did you verify this account. 

9. XXXX  XXXX : Account number : XXXX, How did you verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: MI
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:
i went to the car dealership applying for a car and they pulling my credit report over 20 times 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 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 non-monetary relief
Consumer complaint received 2021-08-12
Company: WELLS FARGO & COMPANY
State: NY
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:
There are accounts reporting on XXXX  that dont belong to me. The accounts are listed.

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