BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-07
Company: EQUIFAX, INC.
State: CA
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:
This is in regards to the recent data breach reported for Equifax. They are offering only one year of credit monitoring when the information leaked, e.g. SSN, name, etc. causes an impact for the rest of my life. There have been a lot of breaches but this is the last straw. There needs to be recognition that these breaches are more than a short term issue for consumers and not be used to farm new clients for their monitoring services. They should be required to provide lifetime monitoring for people whose information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Rural metro ambulance co. Provided service on XXXX/XXXX/XXXX. XXXX XXXX submitted their {$1300.00} claim to XXXX XXXX / XXXX XXXX on XXXX/XXXX/XXXX. The claim was denied by the insurance company due to XXXX XXXX " untimely billing '' by not submitting the claim within 90 days as required by law. XXXX XXXX XXXX confirmed that they notified XXXX XXXX of the decision XXXX/XXXX/XXXX and XXXX XXXX DID NOT APPEAL or RESPOND to XXXX XXXX XXXX 's refusal to pay the claim. XXXX XXXX XXXX sent XXXX XXXX the EOB stating the the patient ( me ) has XXXX Resonsibility for the {$1300.00}. AND DO NOT BILL THE PATIENT FOR THIS SERVICE. XXXX XXXX XXXX XXXX Sold the debt to Credence debt collections and they are now demanding payment of {$1300.00}. I called Credance collections and told them them the information about XXXX XXXX negligent billing and the denied claim and the company not RESPONDING/appealing to XXXX XXXX care. As per XXXX XXXX XXXX & XXXX XXXX AND MY EOB I am NOT RESPONSIBLE FOR THIS BILL OF {$1300.00}

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 2015-09-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My home was foreclosed on over 7 years ago. I worked for the lender that did the mortgage and lost my job in the financial crisis. I have been disputing information on my credit file for years to no avail. The bank ( Wells Fargo ) is reporting XXXX loan multiple times as well as a collection agency that is reporting the same loan so essentially I a being hit XXXX times for the same mortgage. I have also waited the 7 years statute of limitations and the trade-lines are still being reported on my credit file. I have disputed multiple times with both the lender and credit reporting agencies

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
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: Information belongs to someone else

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code XXXX681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit 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 non-monetary relief
Consumer complaint received 2019-12-14
Company: Google Compare Credit Cards Inc.
State: DE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Double Charging by XXXX for XXXX XXXX I am astounded to have to seek the help of state authorities to open a conversation with XXXX about double billing for their new XXXX TV service. 

I initially tried to sign-up on XX/XX/2019, but as I completed entering my credit card information I was returned to the screen asking me to sign-up. I could not understand what had gone wrong and did not want to end up with two subscriptions, so I closed the screen and watched to see if a charge would show up on my credit card. I did not see a charge for several days, during which I also was unable to log in and open the service using the email address I had used. 

Therefore I concluded my effort to subscribe had failed and I tried a second time using my wifes XXXX account. This time everything worked like a charm and I was able to access XXXX XXXX on my computer, my TV and share it with my daughter as well. All as XXXX advertised. 

However, I was subsequently charged {$49.00} the original failed subscription under my XXXX address, which had never worked and has never been used, AND {$49.00} for the subsequent service under my wifes email. 

I have spent many hours ( with a break to go to the hospital with appendicitis ) trying to contact a XXXX customer service representative. Nothing worked using all the phone numbers, websites etc. offered by XXXX. 

XXXX clearly has designed their system to not allow any customer access to customer service representatives. As a result, I have been robbed of {$49.00} and apparently have no way to stop this from snowballing into {$600.00} over the coming year! A company with the reputation and wealth of XXXX certainly should be expected to provide this minimal customer support. Meanwhile I will do whatever I can to publicize XXXX failed customer service approach that is costing people like me and my family hundreds of dollars in fraudulent charges. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: CL Holdings LLC
State: AL
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 AM WRITING THE CFPB BECAUSE I HAVE COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. THE ATTACHED COMPANIES SHOULD NOT HAVE MY INFORMATION LISTED IN THEIR DATABASE AND I WANT IT DELETED NOW. I HAVE A RIGHT TO ASK A COLLECTION COMPANY TO VALIDATE A DEBT AND THESE COLLECTION COMPANIES DID NOT SEND ME ANYTHING AND GIVE ME MY RIGHT TO CHALLENGE THE DEBT. THIS DEBT DOES NOT BELONG TO ME AND I AM ASKING FOR THE CONTRACT I SIGNED WITH THEIR COMPANY THAT GIVE THEM THE RIGHT TO REPORT INACCURATE INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. UNDER THE FDCPA THEY SUPPOSE TO GIVE ME A CHANCE TO CHALLENGED THE DEBT AND THEY HAVE NOT. THEY IS IN VIOLATION OF THE FCRA BECAUSE ALL THE INFORMATION IS CORRECT. I WANT THEME TO SEND ME A CONTRACT AND NOT A BILL THAT I SIGNED WITH THIER COMPANY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received an email notice from Firstmark Services ( a division of Nelnet ) on XX/XX/2022, stating that my minimum monthly payment would be reduced by approximately {$50.00}, effective XX/XX/2022. When I checked my account on XX/XX/2022, I noticed no change to my minimum monthly payment amount, so I contacted Firstmark to get things cleared up. I was advised to submit that email to their customer service department, and I would hear back. I submitted the email on XX/XX/2022, and received confirmation of receipt on XX/XX/2022. I heard nothing further from Firstmark. I called the customer service department today, XX/XX/2022, to inquire as to why my minimum monthly payment was not updated to the new, reduced amount. I was informed that the communication only applied to 3 of the 4 notes under that account, despite no indication of that in the notice I received. I requested that Firstmark abide by the notice sent to me, since no notice had been provided of an updated payment amount, and because the notice was unclear and misleading, in direct violation of 15 U.S.C. 1692e. Firstmark refused to take any action. On the call, Firstmark indicated that these kinds of notices ( which are unclear and misleading ) are sent to all consumers upon reamortization, and none of them indicate which notes the new minimum payment applies to. When I asked to get this in writing, Firstmark flatly refused to send such documentation, including refusing to send written communication of their standard practices with regard to notices, and refusing to send me a copy of the recording of the phone call. Eventually, Firstmark walked back that refusal, and as of today, I'm awaiting communication from a representative as to whether or not they'll be able to provide a written statement of the misleading nature of the notice. I've been promised that I will be called back on Thursday, XX/XX/2022, but I have little faith that this will happen, given the lack of communication in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have contacted loan servicer Ed Financial services multiple times to clear up inaccuracies that have been reported to the credit bureaus and negatively impacted my credit score. My inquiries have been met with non-responses and delay tactics. Out of frustration, I referred this matter to the XXXX XXXX XXXX XXXX 's Ombudsman 's office and contacted this office. 

On XX/XX/XXXX, I contacted Ed Financial Services by phone to resolve their inaccurate credit reporting. Ed Financial asked me to send a fax with the information that needed updating and a letter explaining said problem. On XX/XX/XXXX, I received an email from Ed Financial saying they received my correspondence request. I called to follow up on XX/XX/XXXX and was told a supervisor would return my call. No one did. I 've followed up by phone again today ( XX/XX/XXXX ) and was again told someone would return my call, but they do n't have a way to connect me directly ( because it 's a different department ). 

During these calls, I have repeatedly been told Ed Financial has not been inaccurately reporting the information, although my credit report says Ed Financial last reported the account status for several loans in XX/XX/XXXX. Those loans were consolidated through XXXX XXXX in XX/XX/XXXX. I have disputed the inaccuracies with the credit bureaus, and when inquiring about the status with the bureaus I am told that Ed Financial has not contacted the credit bureaus to provide any update. 

These loans have also been reported to the credit bureaus in duplicate, and again as the consolidated accounts, so from anyone reviewing the report ( for credit decisions, renting an apartment, loans, etc. ) it appears like I owe upwards of {$65000.00} in student loans with past due status when the correct balance is approximately {$16000.00}. 
I have attached the correspondence I provided to Ed Financial, including my credit report with the inaccurate information circled. Thank you for reviewing the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Bread Financial Holdings, Inc.
State: NJ
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 purse was stolen in 2013 and they stole my License, And social security and they opened up various accounts with my Social, They did Express, Victoria Secret, XXXX and XXXX XXXX and these accounts are affecting my credit negatively and it's not allowing me to obtain any new line of credit, I filed a police report and it's on record,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: BARCLAYS BANK DELAWARE
State: FL
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:
Barclays Bank Delaware ( Barclays ) in concert with XXXX Mastercard and XXXX  XXXX  are in violation of committing unfair or deceptive acts in violation of FDCPA, 15 USC 1692 a-l, the FCRA, Barclays - Your Cardholder Agreement with Us, Investment Company act of 1940, Public Law 73-10 as well violations of 15 USC 1 Restraint of Trade, Insurance Fraud, and XXXX. Barclays issued Payment Coupons that were tendered as payment that were not honored and refused to accept Federal Reserve notes for payment. 

I contacted Barclays several times to make payment and they refused saying they only took XXXX dollars. XXXX XXXX told me I was unable to receive XXXX dollars from my account and they would only give me Federal Reserve Notes. Barclays also refused to take their payment coupon attached to the monthly statement as payment. I made several attempts to pay with the payment coupon as well as with Federal Reserve Notes and those tendered payments were refused. In UCC 3-603 ( b ) If tender is made and refused then there is discharge. 

Since Barclays refused to accept Federal Reserve notes which are legal tender for all debts public and private, there can not be a debt associated with this Account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Beginning in XXXX 2016, I have been attempting to close the remaining account from my deceased parents ' estate. I called WELLS FARGO BANK to find out what they needed from me to withdraw the funds and close the accounts, then visited a branch bank with the requested documents. An important document was the XXXX Small Estates Affidavit prepared by my attorney to give to banks permitting me to distribute small assets such as the Wells Fargo Bank checking and savings accounts. Wells Fargo Bank informed me I could use the affidavit for a savings account that had less than {$300.00} but not for the checking account which had about {$25000.00}, because the balance exceeded the acceptable limit for small estates. When I asked what the limit was for small estates assets I was told by the branch manager she thought it was {$2500.00}. I did homework online and discovered from a State of XXXX website that small estates affidavits are used for personal assets valued up to {$60000.00}, far more than the checking account balance. I returned to the bank with this information. Wells Fargo Bank then created another reason to deny me access ; they said though my parents last resided and died in XXXX, because the account was created in XXXX I needed XXXX court documents to permit me to act as agent. My attorneys in XXXX and XXXX both said Wells Fargo Bank is wrong. I confirmed this by calling the XXXX XXXX, XXXX XXXX office. Meanwhile Wells Fargo Bank froze the account assets. The bank 's requirements described here were communicated to me by the bank 's legal department through a branch employee. My request that my attorney be conferenced into a call to the bank 's legal department was denied. Wells Fargo Bank will not permit me or my attorney to speak to their legal department, I was told only bank employees can do that. Instead I or my attorney can WRITE A LETTER to them. The issues that I want resolution on and I am alerting the CFPB of are as follows. 
1 ) WELLS FARGO BANK must permit me to act on the Small Estates Affidavit by removing the assets and closing the checking account. 
2 ) WELLS FARGO BANK appears to be drawing out this process by not informing me of all the requirements at once, instead, repeatedly informing me of another requirement after I meet previously stated requirements. 
3 ) WELLS FARGO BANK was not forthright when it initially refused the Small Estates Affidavit, informing me the account value was too high when in fact the value was far below the State of XXXX limit. 
4 ) WELLS FARGO BANK is impeding a resolution by denying me and my attorney the ability to speak to the legal department directly. By all appearances Wells Fargo Bank is attempting to slow the path to a resolution with intent to hold onto my parents ' assets longer than legally justified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hi, There is a foreclosure sale date set on my property for XXXX/XXXX/15. I have tried to request postponement and the lender has denied the request. I just received an offer on the property XXXX/XXXX/15. I have sent a copy into the lenders. I know this is very short notice but I 'm asking for you to help me with postponing the foreclosure if possible. My XXXX failed and I 've had to relocate to find other work to make a living. I feel that a short sale is the best option for everyone at this time and will appreciate anything you can do to help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX/XXXX/2016 I sent a certified letter to TransUnion through the XXXX Office. By way of returned receipt of signature, they received this letter on XXXX/XXXX/2016. This letter was regarding the removal of credit inquiries that were not authorized by me in any way. As I understand it : The FCRA states that the only permissible purpose for pulling someone 's credit report is : a. ) firm offer of credit, b. ) insurance, c. ) employment or, d. ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX 2. XXXX 3. XXXX ( 2 times ) 4. XXXX XXXX 5. XXXX ( 2 times ) 6. XXXX XXXX XXXX. XXXX I pulled my credit report this morning and TransUnion is still reporting the above inquiries. As this is day XXXX since they received my request and all they provided me was a copy of my credit report indicating the above referenced inquiries have been verified. Yet, they failed to provide me with verifiable information substantiating that these inquiries were indeed accurate and did not do so within 30 days. 

Due to all of the above, I need your assistance in contacting TransUnion for the removal of the inquiries detailed.

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