BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: MN
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 contact XXXX XXXX and Experian about the inquiries and names and debts on this account being wrong multiple times with no resolution. The sad part is XXXX sent a check to me back in XX/XX/2019 for {$16.00} for a refund for their bad marketing practices with an agreement from your company ( CFPB ), and it bounced and the company XXXX : which I used to cash the check to go directly to my account ended up charging me {$51.00}. These people are not verifying anything. I sent them my verified real spelled out name, updated my address, phone #, work info along with my ID and SS card to verify myself. Those debt accounts, misspelled names and addresses are not mine and belong to someone else. 
I'm not aware of these accounts and they are being reported as fraudulent accounts. I contacted the companies who could not verify my SS # stating they don't know it. I contacted XXXX, XXXX, and Experian who clams it was all verified. How can any of them claim I was verified when the companies don't know my SS #. I was contacted through their website. They have several misspelled names and addresses I never lived at and DOB that was breached. this is this has left my credit damaged big time. Not able to get things. By the way I sent certified letters to all three credit bureaus.

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 2016-09-02
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
To Whomever it may concern, I lost my home to foreclosure in 2006, prior to that I attempted to file for bankruptcy in order to save my home but it failed. During that time all of my bills were in limbo.Once everything fell thru I was contacted by I believe at the time XXXX XXXX XXXX XXXX and then Pressler and Pressler stating that they had purchased a debt from XXXX for a XXXX telephone bill of {$120.00} to which they state is now well over {$800.00} in which I 'm not even sure is mine. As the years have gone on I finally said lets be done with them and just pay it. I set up a payment arrangement with them and after my second payment, they placed a levy/hold on my bank account without notice and proceeded to try and take my money in which the court returned to me. I have been living in fear of them for over 10 years. They have harassed, threatened me and any family members that they could get a hold of. I 've moved and I feel like I 'm in hiding over such a trivial matter but it 's just the response to the fear that I have of them. They are by far the most ruthless and unethical law firm that I have ever come across or know of. I just want to be able to get a bank account with confidence without worry about whether or not they will find a court or judge to sign off on a judgement without knowing all the facts and proof that it 's a debt that I owe. And above all else without proper notification to me. Please help. I 'm not sure what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I the Consumer file this Affidavit and Notice of Complaint with the Consumer Financial Protection Bureau for the matters set-forth herein. After requesting EQUIFAX to remove negative credit reporting activities of the DEPT OF ED/NAVIENT and NAVIENT, the consumer was denied remedy to a complete and accurate investigation in regards to the removal of the items/accounts on his Credit Report. 

There are issues where the credit bureau EQUIFAX has denied the consumer remedy and a review of ALL proof of claims ( documented information provided by the DEPT OF ED/NAVIENT and/or NAVIENT ) subject to public access. I, the consumer, offer this affidavit to EQUIFAX for the refusal to remove negative items/accounts from my credit files, despite the consumer 's request and for failure to verify to the consumer any disclosed information provided by these entities in regards to the accounts being reported. See Attached notice by affidavit with supporting documents

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been charged {$240.00} in overdraft fees over the last XXXX days alone. Many of these coming in the same day. Yesterday I was charged another fee, even though a deposit had been made in the account. I am now being charged overdraft fees for being over drafted. This is ridiculous and I can not afford to pay {$240.00} in over draft fees. My balance is currently XXXX with {$240.00} of that related to overdraft fees. I can not believe that this is legal or allowed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying for over a year, nearly 2 to prove to all three credit bureau 's the information that Target continues to report is not accurate. Not only is it not accurate but according to the cares act during COVID the reports should not have even been made. Additionally, I have submitted at least 2 documents to confirm 2 or the XXXX late payments reports are not true. I was given an arrangement with Target and they lied. I was told in XXXX that if I agreed to a payment arrangement and due to the cares act, missed payments would not be reported. It was not intentional at no time and did not happen. 

This is on going inaccuracies are affecting my life, my credit, and my family. Please someone needs to investigate and have Target fix it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Affiliate Asset Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received their letters about said allege debt. The forms they sent is nothing more than a bill with no signature. I do not know of said allege debt and it does not belong to me. I Want to see a signature were I signed for this allege debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I OPENED THIS CARD I THINK IN 2016. A WHILE BACK I HAD A FAMILY, HEALTH AND JOB ISSUES AND I HAVE TRIED TO WORK THINGS OUT WITH THE CAPITAL ONE BANK. 
I HAVE CALLED MANY TIMES TO MAKE PAYMENTS, ETC ON THIS ACCOUNT OF THE LAST COUPLE YEARS. THEY HAVE BEEN VERY DIFFICULT TO WORK WITH, TALK TO, ITS GOTTEN TO THE POINT THEY WONT TALK TO ME, THEY WONT TAKE MY PAYMENTS, THEY HAVE SCREWED UP MY CREDIT OVER AND OVER, THEY HAVE THREATENED ME. IT GOES ON AND ON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2022, I received a email from Chime letting me know that they were putting a hold on my account and I need to send in documents ( ID, Proof of Address, Selfie Holding ID & Explanation I immediately sent in the documents they asked for and called them shortly after, I didnt get any reason as to why my account was on hold. They didnt tell me anything, said they could not do anything about it while their XXXX team were reviewing my account. I was told to email them or wait while they reviewed my account. I emailed them a over XXXX times and never got a response. I continued to call chimes customer service number to figure out the issue. They emailed me and told me they received my documents and theyll be reviewing them, it XXXX take XXXX business days. I havent gotten any emails or updates regarding my account yet. It has well passed XXXX business days, it is going on XXXX month now. They arent giving me any updates or even knowledge on why my account was put on Hold In the first place. I do not have any access to my funds, I can not see whats in my account or anything. I would not even be able to confirm all my money is in there because I can not see anything on my end. I feel like XXXX in a scam. They will not do anything, and are not telling me anything via phone. Ive emailed so many times, I do not know if they are even getting them. I just want my to access my funds and close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Commonwealth Financial Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received their letters about said allege debt. The forms they sent is nothing more than a bill with no signature. I do not know of said allege debt and it does not belong to me. I Want to see a signature were I signed for this allege debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I enrolled my XXXX dogs in XXXX program three years ago based on information given me by their salesperson. When I realized that the program was not all they claimed to be and other charges were being charged in addition to the monthly subscription, I cancelled the membership. XXXX billed me and reported my account to the credit reporting agencies. After I disputed the charges, XXXX removed all negative information from my files and cancelled the debt. Now, IC System, a junk debt buyer, is trying to re-open the debt and is attempting to collect from me. I am reporting this IS System firm and its attempts to collect a junk debt as fraud.

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 2022-05-25
Company: EQUIFAX, INC.
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:
Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: GREAT LAKES
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
While paying my student loans, I was directed to pay at least {$500.00} per month and I was XXXX receiving Social Security XXXX at a rate of XXXX per month. Year 2009. After paying thousands of dollars, my loans were dismissed due XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: WELLS FARGO & COMPANY
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
This is additional information about case # XXXX cfpb emailed me that it has received a response from Wells Fargo National Financial Bank. If so I have been unable to read WFNFB 's response on your website. Nor can I get through to you by phone. WFNFB has never responded to me concerning my complaint except by XXXX meaningless letter. It has never provided me with a telephone number or an email address so that we can communicate. It is the most secretive, unresponsive organization that I have ever encountered. I have also filed a complaint with the XXXX asking that no late fees ever be charged to me and a fine in the form of an abatement of any amounts due to the bank. Dealing with WFNFB is light dealing with the XXXX. Since I am unable to reach you by phone, perhaps you could call me at XXXX and read to me the bank 's response

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 2022-05-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Portfolio Recovery, 1 - 2 phone calls per day in an attempt to collect debt that is no longer on credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Company sometimes leave voicemails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Despite closing my checking and savings account at Wells Fargo over a year ago, they continue to send me letters and updated about my " account '' with them. I have gone twice in person after initially closing my account because they claimed I had a balance of XXXX penny. It took me three months and XXXX visits to stop receiving that type of letter. Just now I received a letter about my wells fargo online services being updated. Since I am no longer their costumer I would like them to stop storing my contact information and stop contacting me. I found my experience to be caused by repeated incompetencies and inconsistencies by Wells Fargo employees and do not feel that this matter can be resolved through their support department.

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 2016-01-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Wells Fargo home mortgage has contacted me two times looking for another person. I informed them on XXXX/XXXX/2016 that I am not that person and to remove my number from their contact list. They asked me to give a message to that person which is a violation of the FDCPA. I was contacted again on XXXX/XXXX/2016 by Wells Fargo home mortgage looking for the same person. I again informed them that I am not that person and to remove my number from their contact information and to not call. The 2nd call is a violation of the FDCPA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Mediation Recovery Center
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I keep getting call after call, numerous times a day and from different phone numbers, threats if I do not pay this amount they will come arrest me and will have a warrant sent out. I've blocked any numbers that are not recognized and I had my voicemail turned off so they would quit leaving me threating messages. I don't owe anyone for any loans, I haven't taking out any loans, my bank account has been compromised around 13 times and I have to keep changing my bank account numbers just so these sorry XXXX scammers don't take my hard earned money. I now have received a letter offering a one time payment or alternative options if I can not pay the one time payment. I don't owe them anything. Here 's the information I received in the mail : Mediation Recovery Center Website : XXXX : XXXX Toll-Free XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XXXX XXXX Account Manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: HW Holding, Inc
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have sent proof of Deletion from the Creditor to XXXX and to XXXX on two accounts that they are refusing to remove. They dispute it and then place it back in collections when the proof had been sent by the Creditors and myself numerous times. The collection is in the amount of {$2600.00} from Hunter Warfield stating " in collections '' " unpaid ''. This account was paid back in XXXX.Date assigned XX/XX/XXXX XXXX XXXX XXXX is the other creditor and it states " collection account '' " seriously past due ''. The amount listed is {$590.00} ( date assigned XX/XX/XXXX and XX/XX/XXXX ) .This account is on all 3 credit bureaus. ( XXXX, XXXX, XXXX ) I have called numerous times to have these items removed from my reports completely and sent the proof via certified mail, fax, and online. I 've spoken with the Creditors themselves who have also sent the proof numerous times. I 've been given control numbers to give to the credit bureaus, but they never let me give it to them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone has found their way into opening up new accounts in my name that ARE NOT mine. Bankruptsies are also showing up on my report that are fraudulently reporting against me past the statute of limitations on top of that! I reported this to Experian and XXXX & XXXX on both XX/XX/XXXX and XX/XX/XXXX. I mailed formal letters, a police report, ID forms, and an FTC affidavit stating these were fraud and must be removed. We are more than 45 days past the legal investigation time period. No valid documentation has been provided to me that these are mine.Bankruptsy ref # XXXX, XX/XX/XXXX, XX/XX/XXXX, {$0.00}, Bankruptsy ref # XXXX, XX/XX/XXXX $ XXXX,XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX SVC acct # XXXX XX/XX/XXXX {$7900.00}, XXXX XXXX XXXX acct . # XXXX XX/XX/XXXX, {$160.00}, XXXX XXXX XXXX XXXX Acct. # XXXX XX/XX/XXXX, {$0.00}, XXXX XXXX XXXX Acct. # XXXX XX/XX/XXXX, {$7900.00} INQUIRIES NOT MINE : XXXX XX/XX/XXXX, XXXX, XXXX card XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX PLEASE REMOVE IMMEDIATELY!

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 2022-05-25
Company: Freedom Mortgage Company
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I brought my account current with Freedom Mortgage ( po box XXXX, XXXX, CA XXXX ) on XX/XX/XXXX before filing for Bankruptcy. On XX/XX/XXXX, I realized I could no longer make online payments so I mailed XXXXXXXX XXXX mortgage payment of {$690.00} that day to Freedom Mortgage. 8 days later, they issued an Escrow assessment increasing the payment due to {$690.00}. They also stated that was the amount due for XXXX. XXXXXXXX XXXX mortgage payment was not applied and still my payments are showing past due despite making payments timely. There is also a disconnect between when they receive my payments and when they are reflected in the payment section. Also, they added {$950.00} as being due immediately for fees in connection with my filing bankruptcy without providing proper notice before adding the fees to the account. My payments have been made as follows : XX/XX/XXXX - payment mailed XX/XX/XXXX - XXXX XX/XX/XXXX - payment mailed XX/XX/XXXX and received XX/XX/XXXX - XXXX XX/XX/XXXX - payment mailed XX/XX/XXXX - XXXX XX/XX/XXXX - payment mailed XX/XX/XXXX and received XX/XX/XXXX - XXXX XX/XX/XXXX - ( just spoke with Freedom and they told me they had not received the payment ) payment mailed XX/XX/XXXX and received XX/XX/XXXX - XXXX XX/XX/XXXX - payment mailed XX/XX/XXXX - XXXX In XXXX, they informed me that I had to pay the {$5.00} difference so they could apply the payment and correct my account but it is still not corrected despite making payment. 
If I had not been in bankruptcy, I would be in foreclosure now because of their inaccurate bookkeeping. 

I am glad I checked my account online as they have raised my mortgage payment yet again with the new payment due in XXXX thankfully.

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 2022-05-25
Company: Experian Information Solutions 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:
XXXX XXXX Date : XX/XX/2021 Amount : {$350.00} In 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 the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation