BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
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 information incorrect

Complaint:
XXXX is reporting a charged off account to my consumer report. A 1099c has been issued and the account is canceled debt. The account is gross income and Income can not be reported to a consumer report per federal law. 
XXXX is furnishing inaccurate and incorrect information to consumer reporting agencies. 
The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
Also, there is no permissible purpose. I have not given verbal or written consent to any consumer reporting agencies to report on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail stating that XXXX XXXX has sold my debt to USCB. I did not have any visit on XXXX XXXX XXXX which is what the debt collection agency is claiming that I have medical debt for. I checked XXXX XXXX and I do not owe any money to them as my insurance has covered the medical costs of last year and I have paid the rest already and these visits were in XXXX and XXXX of XXXX and not in XXXX XXXX as the debt collection agency claims.

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 2019-12-02
Company: Experian Information Solutions 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 have an issue with experian. They are not updating my information and have items lingering on my report that are inaccurate and incorrect. I have asked for validation and verification and they have not complied with my written request but are still reporting the inaccurate information. I am making a formal complaint and would like this matter investigating accurately and resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07
Company: Navient Solutions, LLC.
State: CO
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:
Over the past 4 months I have attempted to enter into an income based repayment plan through Navient Student Loans. Every month ( and sometimes a couple of times a month ) since XX/XX/2019 I have called in attempting to resolve this. I have received different answers on every call and misinformation that has led me to have to continue to put my loan in forbearance for the past 5 months so they can fix the situation on their end. Every month I have provided up to date pay stub information, and every month am asked to do it again so they can calculate my IBR correctly. I have finally been told that my monthly payment will include any overtime I've received over the past year, regardless if I am able to receive overtime over this following year. I can not believe a federal student loan provider would calculate payment information based on variable pay ; that is grossly irresponsible. So based on business needs, if my business does not have the budget to allow over time this year, I am still responsible for the additional payment amounts to Navient. This company is absolutely appalling to work with and is the reason student loan debt is such a massive issue ; STUDENTS STEER CLEAR, DO NOT GET LOANS FROM NAVIENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
someone impersonating bank of america text me text alerts and called me using the actual bank of america phone number. i was scammed into giving almost XXXX dollars away.

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 monetary relief
Consumer complaint received 2018-10-17
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: Account status incorrect

Complaint:
i responded to XXXX and equifax about negative items on my credet report on XX/XX/2018, delivery comformation # XXXX Equifax comformation # XXXX, asking them to verify these items bearing my signature and haven't heard anything from them. i understand that they have 30 days to reply to my request, via the FCRA laws before it is considered a violation with them.because this is affecting me from getting a house

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still this item is visible on my credit report. This is so unbelievable! How can you guys let these multiple complaints pass? I'm not accountable for this account. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. I have sent my documents, the FTC report I filed on their website and the Police Report which I filed on my local Police Department to make things clear that I am an IDENTITY THEFT VICTIM. PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXX XXXX XXXXXXXX Date Opened XX/XX/2018 Balance $ XXXXLate/Closed Late Dates 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 2017-06-22
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
South west credit systems the  company involved calls me before  XXXX   XXXX  and nonstop throughout the day, when I ask them to send me a letter through the mail stating the debt I owe them they get offended and defensive, I ask them to set up a payment plan and they get rude, it 's just nonstop calling all day

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
MY PROCESS STARTED BACK ON XX/XX/XXXX WITH WELLS FARGO WITH A REPERSENTATIVE BY THE NAME OF XXXX XXXX EVERYTHING WAS GOING WELL UNTIL HE STOPPED RESPONDING TO MY CALLS AND EMAILS. I CALLED AND SPOKE TO A SUPERVISOR AND ASKED THEM IF I CAN HAVE A DIFFERENT REPERERSENTATIVE SINCE HE WAS NOT BEING RESPONSIVE TO ANY OF MY EMAILS WHICH I HAVE PROOF OF. THEY SWITCHED MY REP TO SOMONE BY THE NAME OF XXXX XXXX IN XXXX. XXXX AND I WOULD GO BACK IN FORTH VIA EMAIL MOSTLY HE WOULD REQUEST DOCS I WOULD SEND IT TO HIM. HE REQUESTED BANK STATEMENTS WHICH I HAD TO ORDER AND I ADVISED HIM OF THIS. I RECIEVED THE BANK STATEMENTS AND FAXED THEM OVER TO HIM. ON XX/XX/XXXX I EMAILED HIM ASKING HIM THE STATUS OF MY LOAN MODIFICATION HE EMAILED ME BACK ON XX/XX/XXXX WHICH WAS 4 DAYS LATER STATING THAT HE DID NOT RECIEVE THEM IN TIME AND IT WOULD NOT GO THRU. I EMAILED HIM BACK AND ADVISED HIM I FAXED IT OVER AND I CAN RESEND IT. IT IS NOW XX/XX/XXXX AND I HAVE NOT HEARD ANYTHING. I EMAILED THERE CEO XXXX XXXX ADVISING HIM OF THE ISSUE AND HE HAS NOT RESPONDED ( I AM SURE HE DOES NOT CARE!!! ) I ALSO EMAILED THERE HEAD OF CONSUMER LENDING OF THE ISSUE XXXX XXXX AND HE HAS NOT RESPONDED. I HAVE BEEN A WELLS FARGO CUSTOMER FOR YEARS AND RECENTLY HAD A XXXX I SENT ALL OF THE DOCTORS DOCUMENTS TO XXXX XXXX SHOWING THAT IT IS TRUE. I AM A XXXX YEAR OLD SENIOR CITIZEN THAT HAS NO PLACE TO GO IF I LOSE MY HOME. I CERTAINLY DO NOT WANT TO LOSE MY HOME OVER BANK STATMENTS EITHER. I NEED HELP!!!! PLEASE SOMEONE HELP ME I WANT TO KEEP MY HOME!!! MY CONTACT INFO IS 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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this account within 30 days gives reason to immediately correct the account on my credit report. I haven't heard any response from Transunion and it made me lose my patience.. They became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification nor Investigation. I need the account corrected XXXX : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Date XX/XX/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 2021-05-10
Company: Klarna AB
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2020, Klarna credit performed an unauthorized credit inquiry through XXXX using my SSN and identity information that showed up on my XXXX credit file. 

I called Klarna twice to attempt to rectify the dispute, to which they insisted that I am the one that made a purchase and accepted a delivery, of which I did neither. I do not use credit cards and I have subsequently frozen all three of my credit reporting agency accounts. 

Subsequently, Klarna has sent me multiple bills for item ( s ) that I did not purchase. 

I have reached out to Klarna and they insist that I ordered the merchandise, to which I have repeatedly informed them that I did not place an order, request credit, or accept delivery of any merchandise. 

This is/was identity theft and it is not my responsibility to pay the ( approximate ) {$2000.00} due. 

Again, I did not order anything, receive any merchandise, nor did I authorize a credit check for Klarna. 

Klarna 's telephone # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-09-07
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Had Wells Fargo do an investigation into fraud on my account, To find out they never really did an investigation and made a no fraud was valid response due to the Agents Personal feeling about what happened. 

Due to Wells Fargo negligence I am out of more then XXXXXXXX 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 2017-06-22
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I got a loan through XXXX XXXX XXXX on XXXX XXXX, 2017 to pay off my personal loan at Navy FLU. The payment was electronic. I take to NFCU on XX/XX/XXXX and they have n't received the payment. They said if it was sent by XX/XX/XXXX, then they should have received it. I verified my account information which was correct at XXXX XXXX XXXX. I talked to XXXX XXXX XXXX and they said wait until XX/XX/XXXX for payoff. On XX/XX/XXXX, I checked online and the loan had not been paid off. I call NFCU and verified my account which was correct information at XXXX XXXX XXXX. No payment received peer NFCU. I called XXXX XXXX XXXX  and they said NFCU rejected the payment. NFCU did n't tell they rejected the payment or why. All the account information was correct. This action by NFCU is going to cause me to make another payment. I have wait for a check from XXXX XXXX XXXX. Due to the amount, I believe NFCU will hold onto the check for at least 10 days before posting it. Again, the will increase the amount of interest. My loan should have been paid off two weeks ago. NFCU did n't tell me they rejected it. I was led on causing me to pay additional interest and out of pocket expenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/21, I received a notice to pay or quit, this says it is an attempt to collect a debt because I have not paid rent. However, this document shows false information, misleading statements, and incorrect amounts. This notice is labeled as a Covid-related matter that is irrelevant to this matter. In addition, the document requires I sign a declaration and proof of service with a 15-day time frame, and failing to do so can result in eviction, fines, recovery fees, etc. I can provide legal proof with the creditable government documentation in regards to the actual facts behind the motive as to why I am being addressed, wrongfully evicted, and harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i have mailed XXXX XXXX XXXX Services on several occasions asking for validation of this debt of {$8200.00}. I have not received any validation of this debt that they are reporting on my credit report. I have not received any contracts with signatures proving this debt. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. This is a serious allegation and i want answers on why false information this is reporting on my credit report. 

Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) The attached letter is the only information i have been sent. No other details has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Today is XX/XX/XXXX and I just got off of the phone with Capital One regarding a restricted account. Ive been making my on time payments for the past few months as the card was restricted and theyve sent me a letter stating my card would be available for use again if I made 5 on time payments which I did since last year ( XXXX XXXX and I spoke to someone a few months back and they indeed found the letter but still couldnt open back up my account. Theyre stating its permanently restricted. One issue is that this is my oldest card and second issue is that the card has an annual fee. I confirmed today with a Capital One Account Specialist that my account would be remained opened without spending privileges and he doesnt know what he could do to help me with the annual fee which will be charged on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I've already complained about the issue that led up to this but now Wells Fargo is reporting wrong information to XXXX  and my other bank about debit card claims they investigated and found in my favor then decided to reverse. They're apparently reporting this as fraud and screwing up everything I have on top of me now owing them money that I shouldn't owe. They're basically saying they lie about actually investigating anything by doing this. Big surprise another shady move by WF.

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 2018-04-26
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
In XX/XX/XXXX I purchased a full year digital subscription to XXXX  for the sum of {$360.00}. While I only used it for a few days, I did not dispute my purchase, which was made freely and with full knowledge of the no refund policy. 

In XX/XX/XXXX I attempted to cancel the subscription to ensure I was not charged for a second year. However, I was unable to log into my account while trying to navigate their web page for details, and was unable to contact anyone in customer support via phone, as they do not provide a customer support number or easy way to cancel online. 

This came across as both deceptive and deliberative on the part of the merchant. Being confident in American Express, the credit card I used to charge the purchase, I did not worry too much about getting another charge that wasnt easily contestable. 

In XX/XX/XXXX, I was in fact charged a {$360.00} renewal fee. Upon noticing it on my card a few days later, I disputed the charge with the credit card company. I explained the above info to the customer service agent and submitted the claim, which was denied. I disputed the denial and have been asked, again, to provide documentation of my dispute. I sent the note below, which read in part ... 

" ... It is difficult and deliberately burdensome to contact a representative from merchant to cancel a renewal subscription which I feel is designed to trap you into an unwanted and unused future purchase. I was never notified of a pending renewal by merchant for a large upcoming transaction of {$360.00}, even though they had all of my contact information email and phone number, which I feel was a deliberate attempt to be deceptive and engage in gotcha tactics. It has been nearly a year since I used them in any capacity and certainly not at all since they renewed my subscription in what they deceptively describe as my convenience. A brief internet search demonstrates that this is a major concern for customers of this merchant and others feel equally deceived. 
In light of these four facts, it is my belief that while their actions may not have been illegal, they were certainly deceptive and unethical. Those two reasons should prompt American Express to side with the consumer instead of the merchant, and honor a refund of my unsolicited purchase. 

American Express originally refunded my charge based on my note, but later reversed the decision, again, in favor of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: TN
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$650.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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