BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a XXXX United States citizen and this financial institution Wells Fargo bank has taken advantage of me and money in which this financial institution has not only taken advantage of me but also other consumers opening up fake accounts and forging the names on not me but to others consumers as well with out arthorization from the consumers not knowing not knowing what is going on with not only my account is being attract but others consumers as well. and that is the main reason of why Wells Fargo bank has been sued before about these same these same issues and these practices are still going on. And all of these hidden fees that I was not informed about didn't tell me about now I was charged {$10.00} fee for service fee and with out my permission after going on three years and I get {$300.00} to pay my utilities for where I reside at. If I had to pay a fee they should have told me all of these hidden fees. And like I said before after going on three years at getting the money. Now this institution wants me to pay {$290.00} for over draft fees and like I said before XXXX Never used online banking and never authorized to sign up for online banking and over draft protection none of those things. This financial institution has taken advantage of not only me but other consumers as well.

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 2022-05-04
Company: Radius Global Solutions LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was late on my payments with XXXX XXXX XXXX due to covid and they sent my pay off to a collection agency ( Radius Global solutions ). They call very early or very late at night and insist on giving information about my card. I looked them up and everyone says its a scam company. Im willing to pay off the dept to get it off my credit report but im not getting any help from XXXX XXXX XXXX and I dont know what to do.

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 2017-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have submitted several request to XXXX, Transunion and XXXX as well to the XXXX itself XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX on payment history on credit file show there was XXXX XXXX. The account was closed on the XXXX. The status shows charge off and the amount of the charge off shows XXXX. There has been XXXX XXXX on this account XXXX thru XXXX. From XXXX thru XXXX is reporting XXXX. Date of first delinquency XXXX payment history on credit report has XXXX XXXX. Also, this account is reporting that it is a XXXX account it is a XXXX 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 2018-03-14
Company: EQUIFAX, INC.
State: OH
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:
To Whom It May Concern : This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I have not lived at theses following addresses and they need to be deleted from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates , LLC aka : Original Creditor / XXXX XXXX XXXX NA XXXX items : {$4900.00} / {$1200.00} both XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX XXXX XXXX XXXX aka : Original Creditor / XXXX XXXX XXXX XXXXtem : {$610.00} from XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX I have made repeated call/letters and disputed with the 3 major credit bureaus with no positive results in eliminating these false/fraud accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I've recently been disputing my credit report and have noticed things that haven't been removed and also a bunch of discrepancies. Pursuant to 15 USC 1681a ( 1 ) Accuracy and fairness of credit reporting. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There are 62 inaccurate remarks throughout my report. Furthermore, TransUnion is in violation of my privacy and consent. Pursuant to 15 USC 1681a ( 4 ) there is a need to insure that consumer reporting agencies exercise their GRAVE responsibilities with fairness, impartiality, and a respect for consumer 's right to privacy. 15 USC 1681b ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. My written consent was NEVER given.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I corresponded to XXXX who is a representative of Flagstar Bank concerning the overcharging on my escrow account, I asked for Flagstar to refigure my escrow due to a large overage in the future, XXXX refused to refigure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notice of a debt collection from Credit Collection Services for {$120.00}. I responded with a certified letter asking for debt validation and their legal right to collect on this debt. CCS responded on XX/XX/2020 with a health insurance form. The information on the form was typed and does not have my signature or anything consenting to a service. The item has been placed on credit without any resolution or debt validation. 
I called CCS on XX/XX/2020 and spoke with XXXX XXXX and she said that the company works for XXXX XXXX and if I had a problem with what was provided I am to call XXXX XXXX She also stated that they can not provide any legal notices to collect this debt bc they work for XXXX  XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was wondering until now why this account is still showing as late payment XXXX XXXX XXXX. I disputed the accounts to the credit bureaus but they did not verify it. This need adjusting. CFPB please make the necessary correction.

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 2021-07-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is what Equifax is claiming validates the debt between me and XXXX XXXX XXXX. XXXX XXXX capital. See file named XXXX  debt. I made the same thing up on my computer and I put Equifaxes name on it so this proves Equifax owes me money. If they are claiming that what XXXX submitted as proof of debt then what I am submitting prove Equifax owes me money. XXXX has not produced the credit card contract. They have not produced a receipt with my signature on it or anything else expect for a spread sheet that alleges I owe this debt. If Equifax allows XXXX to present that as debt validation then what I presented here proves Equifax owes me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: ATG Credit, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX I sent certified letter for debt validation request for a debt in the amount of {$2400.00} being reported on my credit report. No response and they Continued to report to bureaus. They Never marked account as disputed. XX/XX/XXXX I sent a second certified letter for debt validation. Again they failed to verify and continued to report to bureaus. They also Never marked my account as disputed. XX/XX/XXXX I sent a third certified letter to request debt validation. Again no response, they continued to report to bureaus, and never marked account as disputed. All letters were sent certified to address provided on my credit report and were verified by USPS tracking as received by them. I have proof of this if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Original Complaint with CFPB : XXXX In our original complaint, we detailed how JP Morgan Chase wrongfully charged us escrow fees in the amount of {$8600.00} and {$470.00} upon closing our house on XX/XX/XXXX. They also did not credit us for the {$500.00} in Good Faith Funds paid. In the original response, Chase submitted to us and to CFPB on XX/XX/XXXX the following assurance in writing : " We are refunding your {$500.00} Good Faith Funds, as well as the escrow amount that you paid at closing. {$470.00} for county taxes [ that was actually prepaids for property insurance ] and {$8600.00} for property insurance [ that was actually for property taxes ]. We are refunding the {$500.00} Good Faith Funds through regular mail. You should receive this check in the next 7-10 business days. For the escrow amount that you paid at closing ( {$470.00} for county taxes and {$8600.00} for property insurance ) [ Chase again misrepresented the funds and the {$470.00} was for property insurance and the {$8600.00} was for property taxes ], you will receive another check by mail with these two amounts combined in the next 7-10 business days. '' On XX/XX/XXXX we received a single payment from Chase in the amount of {$8600.00}. It did not include the remaining {$470.00} they assured they would refund in the previous response. I called the Chase Mortgage Banking Executive Office at XXXX on XX/XX/XXXX to inquire about the missing funds in the payment. Their representative stated that they were investigating the {$470.00} and would not be returning that portion of the overcharges until they completed their review. We have waiting an additional week for them to return the full amount that they had previously assured us they would refund and have not done so. Furthermore, we have not received the check for the {$500.00} in prepaid Good Faith Funds that were not credited to us on closing. 

Chase has lied to us and to CFPB by not following through and their assurances and refunding the escrow charges. 

Please help us so that we may receive the full amount due to us, which is still {$470.00} remaining from the mischarged Escrow and the {$500.00} in prepaid Good Faith Funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a collection from National Credit Systems which I have tried to contact them concerning this multiple times and I have received no response. They are trying to collect on an apartment that lived at, XXXX at XXXX XXXX. The problem is that I was the only person on the lease and the only person that lived there. I was being stalked by a very crazy guy and filed multiple police reports against him and made the apartment complex aware of the situation. I also provided them with copies of the police reports. The apartment complex refused to let me out of my lease or allow me to move to another section. As I was in fear of my life I moved out of the apartment but paid the last months rent so that I would not have a broken lease on my credit report. After giving notice, returned all keys and moving out he broke in one night and completely vandalized the apartment. I have multiple pictures and police reports, his name, screen shot text messages with him saying he did it all the proof proving it was not me, even proof as to where he broke off the back door to get inside the apartment. The front office was aware of who did it but since I was the only person on the lease I got charged. I tried to contact the apartment to make payment arrangements for the damages, even though I do n't feel responsible, but they continued to ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Experian Information Solutions Inc.
State: AZ
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:
On XXXX XXXX, XXXX I wrote a dispute letter to Experian questioning the accuracy of a XXXX on my credit report. I also attached a letter from the XXXX XXXX as well as a letter from XXXX XXXX. XXXX XXXX I received my credit report stating the XXXX  was verified. XXXX XXXX I sent a letter to Experian asking them to reinvestigate as well as XXXX of XXXX. On XXXX XXXX I received a update credit report stating that the information was accurate. They failed to provided the XXXX of XXXX. 

All documents supporting this matter are attached in order.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: CA
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:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under EXPERIAN XXXX XXXX XXXX 150 days late XXXX  XXXX XXXX 150 days late XXXX  XXXX XXXX 150 days late XXXX  XXXX XXXX 150 days late XXXX  XXXX XXXX 150 days late You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!

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 2017-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been fighting XXXX issues with TransUnion. It still has not been resolved. The first problem is they are reporting a XXXX Tax lien that should have been removed some time ago under the XXXX XXXX XXXX. There is no way that TransUnion even researched this or it would have been removed by now. The other thing is the XXXX they are reporting. I have contacted the XXXX house directly and they said they DO NOT CORRESPOND WITH THIRD PARTIES FOR Credit reporting purposes. Again indicating that TransUnion was not able to validate this anyone with a computer can look something up but it does n't mean it accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have notified Great Lakes multiples times that the account they are reporting on my XXXX  credit file was a result of Identity Theft per the Federal Credit Reporting Act. I mailed them certified letters concerning the issue and asked them to inform XXXX  that this account was a result of Identity Theft. They have failed to do so. I also included a copy of the " Notice to Furnishers of Information '' per the FCRA. I submitted to Great Lakes a copy of my FTC Identity Theft report  and a copy of my police report. This company has failed to remove this Identity Theft account from my XXXX  credit report. Please make sure they adhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Innovis
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: Personal information incorrect

Complaint:
Received personal credit report produced by XXXX with the Innovis logo on the report that was sent to me. The following phone numbers and addresses were never associated with me and should be removed from the report. They are as follows : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The following phone numbers were never associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 I filed an identity theft report with the FTC because I am a victim of identity theft. my information is in the wrong hands and my information was compromised by the XXXX data breach.

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 2017-06-28
Company: U.S. Auto Credit Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In XX/XX/XXXX I was contacted by a company I had no knowledge of stating I was late on my auto payment. Apparently my positive account had been sold without my knowledge to a knew creditor. I advised the company I had just made a payment on my vehicle to the place my contract was with. The company it was originally with agreed that my contract would be paid Bi-weekly as that coordinated with my payment schedule and can be seen with the history of receipts as well as my on time payments recorded in my credit report. This company has contacted family members without my authorization, changed my contract without my consent or agreement and calls me constantly harassing and falsifying information. Today XX/XX/XXXX they demanded payment and threatened a repossession which they do almost every time I call. They never advised or had me sign anything agreeing to go back to a weekly payment schedule so now my account is severely behind and they are trying to put me in a financial bind not including embarrassment and harassment, falsifying information on my credit report and their aggressive conversations. Social is : XXXX | Name : XXXX XXXX, I sent a BBB complaint to them because I never got an updated contract from them and instead of responding through the BBB portal they contacted me directly and per the conversation admitted to alternating the contract without consent.

Company response to consumer: Closed with explanation