BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: TekCollect Inc.
State: NC
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:
Contacted the collection company about this account being fraud XX/XX/2021 there was an derogatory mark added to my account by TEK COLLECT I have no dealings with them I have no debts someone used my name to create fraud the worker hung up on me when I asked questions regarding the account Motion Remedy Claim for Damages In Re : Pub Res No. 10 Pub Law Ch. 48, 48 statute 112. Pub Law 73 10. HJR 192 ; 31 USC 3123, 5103, 5312 ; 18 USC 8 ; 12 USC 411 ; 28 USC 1746 ; 42 USC 408 a8 penalty

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
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 information incorrect

Complaint:
i have disputed with all 3 credit bureaus ( XXXX, XXXX  and experian ) and all 3 bureaus continue to report inaccurate information. i have sent them letters to verify these accounts and have asked them to either prove that they indeed belong to me by providing me with a binding agreement documentation that bears my signature or accounts that show i've been late for payments. i'm not here to play games as these negative items impact my credit score and i believe that they do not want to delete because they will lose monitory income if they delete the accounts.

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 2020-06-09
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 information incorrect

Complaint:
i have disputed with all 3 credit bureaus ( equifax, XXXX  and XXXX  ) and all 3 bureaus continue to report inaccurate information. i have sent them letters to verify these accounts and have asked them to either prove that they indeed belong to me by providing me with a binding agreement documentation that bears my signature or accounts that show i've been late for payments. i'm not here to play games as these negative items impact my credit score and i believe that they do not want to delete because they will lose monitory income if they delete the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We moved in XXXX XXXX and our mail forwarding request was active from XXXX XXXX - XXXX XXXX. Our mortgage lender, Wells Fargo, never changed our records to our new address, even though they had access to it, so all of our personal financial loan information was continually sent to the old address. In XXXX XXXX, we received XXXX letters from Wells Fargo at our new address, so we know they had the new address available, but they never changed our files. In XXXX XXXX, Wells Fargo filed an insurance claim on our old property. The loss was from XXXX XXXX, when we still owned the property and were clearly listed as the insured on the claim. Since our address was incorrect, we did n't receive any of the information about the claim - it went to directly into the hands of the renter at our old address. He opened our mail from Wells Fargo and/or XXXX ( the insurance adjuster ) and used our personal loan information to contact Wells Fargo. In XXXX XXXX, we received a letter from Wells Fargo addressed to the renter, but cc 'd to us, stating they were sending the renter a check based on that insurance loss. They sent him 2 checks totalling {$20000.00} off an insurance claim from when we owned the home and under our loan number. Not only did Wells Fargo hand him all our personal data by never properly changing our records, but they allowed him to contact them and speak with them regarding our loan and our insurance claim. Wells Fargo sent an apology, saying they messed up by sending him the money, but also stated their error did n't harm us because we were n't owed the money. Our mail was opened, our personal information was breached, and Wells Fargo allowed someone to contact them several times using our account information and swindle them out of nearly {$21000.00}. For the bank to say " oops, sorry '' and expect us to sweep this under the rug is beyond insulting. We have no idea how long this will affect us or how far this man will go to use our information for his own gain. Wells Fargo has a responsibility to us and they failed miserably at it. Our personal, financial information was handed over to someone else AND he was allowed to gain access to the largest financial loan we have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
To Whom It May Concern : I opened a Citigold account with Citibank in XXXX XXXX after receiving offer code XXXX in the mail for XXXX Thank You Points to be awarded after making two bill payments in two consecutive months. I was notified on XXXX/XXXX/XXXX that I was qualified and enrolled in the offer ( correspondence attached ). I contacted Citibank on XXXX/XXXX/XXXX, several months after meeting the requirements, because I had not yet received my Thank You Points. The customer service representative quoted another promotion, XXXX, for XXXX Thank You Points ( correspondence attached ). An inquiry was opened to determine whether I qualified for either promotion. I followed up again on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX and was told the investigation was ongoing ( correspondence attached ). Finally, on XXXX/XXXX/XXXX I contacted Citi for a final time and was told that a letter was sent electronically on XXXX/XXXX/XXXX that I did not qualify for the offer. I did not receive a copy of this, despite checking online per the customer service representative ( correspondence attached ). A notification was never received by me. 

I want to thank the CFPB for representing customers in this unfortunate situation. Citibank has been incredibly disappointing, and I do not intend to continue doing business with them unless this can be 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 monetary relief
Consumer complaint received 2020-06-09
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I recently applied for a credit card. The card was denied to me by your bank. Please see the reason ( s ) provided by your company. It appears the reasons are based off actions your company established such as accounts you closed. Closed accounts closed by bank should not be counted as negative. Please be specific as to which portions of my credit report were used and which accounts you used in your consideration if any and what information about the accounts you used. Please open requested credit card account immediately. Thank You

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 2022-05-13
Company: Fidelity National Information Services, Inc. (FNIS)
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:
XXXX XXXX XXXX - false information fraudulent account. 
XXXX - false information fraudulent account. 
XXXX- false information fraudulent 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 2015-06-10
Company: ERC
State: DE
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:
My sister 's name is XXXX XXXX. I am XXXX XXXX. Some of her collections have shown up on my report. I pointed this out clearly to Enhanced collection agency through my disputes with the credit bureaus. They left it on my file. This is a willful violation of the Fair Credit Reporting Act Section 623 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
a salesman from XXXX sold me a phone saying it was better and cheaper than my XXXX, said try it and if you do n't like it just send it back within 10 days to void your contract, i said OK and drove to my cabin in XXXX for a weekend and the phone had no service.so Monday morning ( 3days ) i sent the phone back XXXX ( insured ). billed 90 days later!!!!! and call XXXX and tell them the same thing ( give them all u.p.s.info ) ... 3 times, and 3 times said they would resolve it ... .now im in collections ( XXXX ) for a phone i never could use .... how is this possible? there just taking advantage of people.not fair ... ... .... : (

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Specialized Loan Servicing Holdings LLC
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We applied for a personal loan with XXXX XXXX XXXX XXXX and our bank and was turned down. Our loan officer stated we have a dispute against us from Specialized Loan Servicing. We called the company and disputed this action on our credit report and asked them to remove it. The credit Bureau stated all the SLS Loan company had to do is call Credit Bureau and this can be fixed. They refused and stated they want us to send a letter to them stating what we want done.They stated it could take several weeks to have this removed. We have never missed a payment through this loan company. We did apply for a Forbearance but, once we reviewed all the information we decided to pay our payment each month on time. We have called the loan company again and they will not remove this off our credit report. They never answer our calls and refuse to cooperate with us to solve our problem with our 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 explanation
Consumer complaint received 2020-06-09
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, I received my PPP loan which I had deposited into my Navy Federal Account. I have 4 different accounts with navy federal and have always conducted my business with my personal accounts. When I applied for my PPP loan, I did not have a business account. I was using my personal account. After hearing stories about Navy Federal freezing customers accounts, I went into the branch and advised what did I need to do. I took in my docusign paperwork from my PPP as well as my application that was submitted. I also took my XXXX  paperwork which proves I do have a legitimate business. The lady advised me that I would be fine because I came and to let them know. This was 2 weeks before my ACH hit. On yesterday, after calling about something else, the rep immediately placed me on hold and told me that she was having issues with her system and placed me on hold. Soon after, a supervisor picked up the phone and advised that I needed to go into the branch, take my ID and business information and my funds will be released. Cool!!! I did that. Spoke with a member service rep and she told me that I can not conduct business out of a personal account. My response was, how can you tell me how to use my money that I make? I have had very rude experiences. All 4 of my accounts with Navy are frozen. All my money is tied into Navy Federal. I advised them that I have paid bills and I have a house payment that will be coming out as well. The lady told me that she is sorry but it will be returned. So I asked who will be responsible for it and she told me that I would. I can't understand why my accounts are being frozen to begin with. I applied for the PPP loan, I got approved. This has nothing to do with Navy Federal. I also have a family of XXXX to feed and bills to pay to keep a roof over me and my children head and Navy Federal have no concern in the world. I understand people do some fraud activities and I respect the verification process, however, I verified and proved that I have a legitimate business. If Navy Federal had any stipulations with PPP loans going into a business account, then they should have noted that on their website advising their customers. This money was giving to me to keep my business running. If I don't pay my building fee, then I am going to lose what I have worked so hard for all because Navy Federal is indulging into something that has nothing to do with them. I am livid. Every time I call it is always, well we have to verify. The company did an ACH, what is it to verify.This is my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Insikt, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On the date XX/XX/2019 am open account of a loan was removed from my credit repot as a despus and I wanted to undo that despute which was an error I tried going all over the internet trying to see if I can have it put back in my credit report so I can also get the credit for it as well all my payments for the personal loan I got have still been made on time and will keep being on time if I could have a response to how can I can resolve the issue I will appreciate it -Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying to negotiate a Short Sale with Seterus since XXXX 2015 I have filed a complaint before and Seterus responded by stating this property was foreclosed on XXXX XXXX Since than we have been working with Seterus and their attorney firm XXXX XXXX XXXX. 

The sale that occurred on XXXX XXXX, 2015 the lender was the high bidder by default. The clerk of court thus filed its Certificate of Sale. During the statutory ten day period before the finalization of the sale, objection to the sale was filed. Although the court denied the objection, it also withheld the Clerk from finalizing the sale until the lender would consider the short sale offer. All parties were ordered to mediation which occurred on XXXX XXXX, 2015 with the parties including the lender agreeing to reconvene in three weeks after the lender further instructed and authorized the loan servicer and thus its attorney to deal with the short sale submission. XXXX XXXX was assigned to this file. from XXXX XXXX XXXX. She submitted the short sale package to Seterus and we got a decline letter without much reason behind it. When I called Seterus they tell me there are no notes and all they can see is that this property has been foreclosed on. 

Seterus and their attorney is having problems understanding that the property is not yet an REO and is indeed still owned by the borrower. The sale is not confirmed and the title transferred to the lender as the winning bidder until the Certificate of Title is issued by the Clerk. The Court Order forbids that event from occurring until the lender deals with the short sale offer pending. 
I keep emailing XXXX from XXXX XXXX XXXX since after they declined the short sale they told us to resubmit with a higher offer which we did not once again no one is responding and they keep stating it is an REO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from the company dated XX/XX/20 that my account was sold to the company. 

I wrote a letter to them disputing and asking for verification XX/XX/20 and emailed it to them XX/XX/20, with my name, my address, the account number listed on the notice, etc.This email was listed on the back of the notice. 

On XX/XX/20, I received an email that they received my email and someone would respond shortly and gave XXXX # XXXX. 

Response came on XX/XX/20, in which a person/agent named XXXX ID : XXXX stated they would need my account number, my name, my phone number, address, and SSN. All of these items minus my SSN and phone were in my letter. 

I responded via email that I would not be providing those two pieces of information, one because I don't want a collection agency to take or sell my SSN, as I have heard happened to others, and my phone, because they could use it to harass me with calls. I stated that the letter contained adequate information to address the complaint. a receipt of my email was received that same day XX/XX/20. 

I then received an email response XX/XX/20 from agent XXXX ID XXXX, stating they wouldn't be able to help me and that I would have to call into them to find a resolution to my dispute and would not continue in writing as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Experian Information Solutions Inc.
State: CA
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:
LOOKING OVER my credit report and I SEE it has addresses that I never live at on my Credit report. I am requesting that you promptly update and delete addresses that I never resided. Please see the attached copy of my utility bill for your reference. Please update my current information to reflect THE CORRECT INFORMATION XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX DOB XXXX/XXXX/XXXX PLEASE REMOVE THE FOLLOWING ADDRESSES FROM ALL OF MY CREDIT XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX CT, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX MODEL, XXXX XXXX AZ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22
Company: Big Picture Loans, LLC
State: AK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Big Picture Installment Loans ; Applied for a {$500.00} loan and was approved for {$500.00}. Initially, I was led to believe the cost of the loan would be {$250.00}, which at the time I thought was steep but I was willing to pay that much in order to borrow the {$500.00}. I did n't think about it at the time but I had given Big Picture permission to debit my checking account {$250.00} for repayment of the loan. A month went by and the {$250.00} was debited without any difficulty and I thought I had just two more payments of {$250.00} each to make in order to pay back the loan. A few months went by and {$250.00} was still being deducted from my checking account. I checked on the status of my loan and discovered I still owed {$750.00}. I thought perhaps an error was made so I looked at the details of the installment re-payment schedule and found out Big Picture Loans was charging me {$250.00} every month and the earliest I could pay off the loan was after 5 installment payments for a total of {$1200.00} I could n't believe these people could charge that much for a {$500.00} loan, but apparently they could. My first few payments and a payoff of {$750.00} was what it took to get the loan paid off which now I believe will stop the debiting of my checking account {$250.00} every month.

Company response to consumer: Closed with explanation