BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-10
Company: WELLS FARGO & COMPANY
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a line of credit through Wells Fargo Credit Card company. Due to a loss of a job I was unable to pay my account. I reached an agreement with them once I was able to start making payments which I have been making on time for over two years. They are reporting on my credit report that my monthly payment is the current balance due which is incorrect. I pay XXXX per month, my current balance is XXXX. I called to ask them to fix this as it is effecting me getting a car loan etc as it shows I have a monthly payment with them of XXXX. They refuse to fix this mistake until the balance is paid in full. I still have over 2 years of payments to make and this information is wrong and is impacting me on getting a loan for other things that I need. I have disputed this with all the credit agencies and they refuse to fix it since Wells Fargo saying the information is correct. I have contacted Wells Fargo on several different occasions, the last one being this evening and they refuse to correct this information with any of the credit agencies. This is just wrong on so many different levels and I want this fixed. They also have my account status as charged off which is not correct as I have been paying the bill for over two years with no missed payments. I have suspended payments at this time until they fix my current credit reports. I am just asking them to change the currently monthly payment to reflect what I am paying monthly and they refuse.

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 2017-05-29
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 status incorrect

Complaint:
I have been battling with a few old student loan collections that should n't have been reported as such because I was not out of school and servicer knew that and did n't communicate to other departments. This balance was handled with a new transfer, and I had disputed with the credit bureaus, and they either did n't investigate, or they did but did n't update and remove the collections. Through Equifax, they even  have  XXXX  of my collections listed as " medical ''?? but they " verified it,    XXXX    '' and there was a " key derogatory '' that showed  XXXX  times in 2016 ev en though this account was handled years prior. Very odd and this is keeping me from buying a house. I 've attached letters and info. Thank you so much for helping

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
The issue is that the second XXXX incurs a more restrictive if not inequitable requirement that the home be available to us and indefinitely not rented out whatsoever. The owner occupant requirement is to reside there for one year. Attached is the second home rider and the original security instrument ( paras XXXX and XXXX ) that the rider replaces. If this is a standard XXXX XXXX XXXX document, then request Wells Fargo provide a signed letter that allows us to rent out the home after one year of possession or propose a resolution to address our concerns. 

It is also our informed opinion that the second home rider should have been disclosed and explained before closing. To say we had a three day right to rescind is a poor substitute for untimely notifications of material fact and overall poor loan management and communications.

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 2017-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have had accounts opened in my name fraudulently. It has bee n over six m onths, and this company and collection agency have done nothing to help or communicate. The collection agency on my report says    XXXX   XXXX   XXXX   XXXX   but th e address is wrong because mail gets returned. When I   XXXX   them, there is an entirely diffent name listed on the their website. Says   XXXX   XXXX   XXXX   XXXX   . T here is no way  XXXX  has verified accuracy with a company listed a  s  XXXX   name and then  XXXX  reported as another amount, but I know they keep items on consumers  credit reports because the collection agency pays them too. Why else would n't this clearly not just fraudulent but inaccurate credit item not have been deleted yet?? Look at my evidence uploaded and your see same amount, but differnt account numbers and its double reported. I 'm hoping to get this resolved so I can move on with my life.     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 2023-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 was charged by XXXX XXXX for {$200.00} on XX/XX/23. My cycle, per conversation I had with XXXX and XXXX on XX/XX/23, ends on XX/XX/XXXX. XXXX XXXX said Capital One didn't report a balance to credit bureau because there was no bill due. Transaction occurred after the cycle date. There was no statement produced. He then stated that the credit bureau agencies are the ones that posted that info. When I told him that the credit bureau can not post something without the agency informing them of the balance he then placed me on hold and came back and stated that capital one did not post anything to the credit bureau and that the credit bureau was wrong I requested 3 times for it to be updated to the credit bureau showing the balance to be XXXX. The balance was reported prematurely I paid the balance off on the XXXX. 
I requested a supervisor after he told me that it was out of his hands and there was nothing that he could do to have it updated that my balance was XXXX. When I spoke with XXXX who was The alleged supervisor he informed me of the same thing. That there was no statement due at the time that the transaction posted and that capital one never posted the amount for the {$200.00}. And that the credit rules were incorrect in posting that because the balance should oppose it as XXXX which is what capital 1 was posting for XXXX. However he places me on hold returns back to the call and then informs me that capital 1 posted the amount for the {$200.00} because that was the Amount on the date in which they posted. After repeatedly telling me they didn't post the transaction. He then stated that capital one reports all high balances. This is the discrepancy because I have another credit card with capital one with a {$1000.00} balance I have maxed out and paid off within the same month turned around paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: EQUIFAX, INC.
State: GA
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 pulled my credit to myself because I was alerted by my social security card stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$640.00} XXXX/XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$300.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a credit freeze with Equifax. I would like to temporarily lift this freeze, but I am unable to do this online, I keep getting the error " We are currently unable to service your request.   Please try again later. '' I called up the customer support, hoping to complete this process over the phone, but I was told that I will have to mail in a copy of my identification documents to Equifax. This exposes me to a risk of ID theft.     I have the pin Equifax provided me when I placed the freeze and all other information to prove my identity, that seems to be of no use, the customer support agent had no way of lifting the credit freeze over the phone.     This is a terrible experience for me since IRS requires that I unfreeze my Equifax credit to be able to access my " Taxpayer identity protection program '' pin online.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A business debt of my husband XXXX at Wells Fargo was overdue and because of no contact from XXXX, Wells emptied my bank account and took XXXX. I called the Wells contact in their collections dept ( XXXX ) and she needed to talk to my husband and get permission to discuss adjudicating this account with me which was done. I told XXXX my rent check was going to bounce, I had XXXX kids under XXXX yo and I 'm XXXX. I offered XXXX/Month payment until I could pay more ( debt was XXXX ) and offered tax returns/paycheck stubs/income verification and XXXX refused anything less than $ XXXX/month. We paid off a larger ( $ XXXX in cash and in full XXXX years ago with XXXX! ), however, I started a small business in XXXX and have grown my family. My rent check bounced and added more money and less than a week after my conversation with XXXX from Wells they took another {$3100.00} ( which was to cover my rent ) and when I spoke to XXXX she said it was because she called my husband and he did n't call back ( her reason for taking the original {$2100.00} was due to no contact from my husband ), but I said I am the contact person I 've been trying to work with you. Is that the loophole You call the wrong person and no contact means take all our money I said I wanted to record our call and she refused to talk to me any further even when I said I would not record it she said she did n't believe me and would not/could no tell me legally how they could take over XXXX % of total debt due from a family of XXXX ( XXXX ) who made $ XXXX XX/XX/XXXX? Wells refused to work with us!

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 2020-03-09
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
We have been trying to temporarily lift a credit freeze on our Experian credit report. I have tried online with both my info and my husband 's info and we are unable to get through to lift it. They gave us a pin number years go but we no longer have that. When we request a new pin, they are unable to comply. When I try to reach anyone by phone - I end up in a never ending automated loop that always leads me to the online website. When I try to do it online, I get an error message to call the toll free number and the circle begins again. Finally, they request that I send them a copy of social security card, license and utlity bill or bank statement to : Experian Credit Freeze. ARE YOU KIDDING ME? Why not just put, " everything you need to steal my identity '' on the front of the envelope? They don't return the copy by mail ( I'm assuming because they realize that it is unsafe ) so why do they require me to send it that way? There is NO fax, NO online address, NO chat option and NO person by phone. I am finally forced to comply with their request but I feel that this is unacceptable, irresponsible and unethical. Experian is purposely putting my confidential information at risk. They shouldn't be allowed to profit from serving consumers unless they are available to actually serve the consumer. I am not attaching any of the information I sent because it is confidential.

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 2020-04-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Both my husband and I went through a financial crisis due to a XXXX XXXX he had more than 10 years ago. We were unable to pay our credit card debt and it went into collection. We had 3 credit card through XXXX XXXX, 1 through XXXX and 1 through XXXX ... 5 total. We hit the 10-year Mark since the debt last year. In XXXX we received five 1099 notices advising that the debt had been charged off and we were required to submit it as regular income on our tax returns. Which we did. It's my understanding that they can no longer try to collect that debt once it's been written off AND they have 1099d that debt requiring us to claim it as regular income as a result of bad debt. However all five cards had been assigned to XXXX like 7 or 8 years ago. Again the debt has already been charged off and we claimed it as regular income as a result of bad debt on our 2019 tax return veripro continues to call us. I don't understand how they are able to continue to collect on it when both of those other actions have already taken place. Let 's say we were able to come up with the money to pay them, it would not be fair to us as the consumer to have already claimed it as regular income and then also pay them. We are then being double hit for the debt. We don't have the money to pay them but I don't understand why they are allowed to still call us when the debt has been written off and we claimed it on our tax returns as a result of them 1099ing us all five cards. Please advise how we can get them to stop calling us. Because we each at least five calls per day from these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1 ) I disputed XXXX 's {$600.00} bill in letters via a ) Sequium Asset Solutions LLC dated XX/XX/2019, answering their billing dated XX/XX/2019 ; & another collection agency b ) XXXX XXXXXXXX, XXXX dated XX/XX/2019, answering their billing dated XX/XX/2019. 
COMPLAINT : XXXX began porting over phone service XX/XX/2019 and completion date was delayed XX/XX/2019 because XXXX failed to assist me with unlocking the phone numbers associated with my PIN, which I could not remember causing a delay in porting services by XXXX. For that reason, XXXX knew I was cancelling service which was stated in a brief conversation with a female representative verifying service cycles that had just ended from XX/XX/2019 to XX/XX/2019, which I paid iao {$260.00} on XX/XX/2019. The new cycle began from XX/XX/2019 to XX/XX/2019. I also spoke with XXXX from XXXX just to verify that I no longer had service with them and owe nothing at that point, to which XXXX agreed. So, I was quite surprised to receive a XXXX bill via two different collection agencies. I would submit that nine days of service may be appropriate for billing by XXXX, which would be 9 days divided by {$260.00} being about {$29.00}. I then asked XXXX to investigate twice to which they sided with XXXX with no other explanation. I want to receive recordings of my calls to XXXX during the periods indicated above to support my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In early 2019 I had an issue with a sore hip and pinched nerve in my lower back. I had numerous Dr visits, tests etc within the XXXX XXXX XXXX in the XXXX are of Wisconsin. Two days prior to leaving on a vacation, I had a XXXX XXXX in my XXXX and due to the quick scheduling my insurance company had not yet approved the procedure prior to me having it. I paid for the procedure in full on the day of service. A week or so later my insurance company approved the procedure and issued a payment. I never received a refund of the payment I made to them. Subsequently I had some additional Dr visits and XXXX XXXX  appointments. I made copay payments at the time of each service. 

I later received a notice from a collection agency ( Americollect Inc of XXXX WI ) that I owed {$200.00}. I called the billing office at the hospital requesting a complete accounting of charges and payments for 2019 and never was provided them. I made this request 4 separate times each time being promised that the records would be sent. The final time I was told that they can't provide the information because the account was turned over to collections. 

The collection agency has also refused to provide the information I have requested. I don't know what else I can do. I have told them that I will pay it if they can provide a complete accounting as my records indicate that I have overpaid amounts owed and in fact due a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax has an incorrect mark on my XXXX credit card from XXXX XXXX saying I paid 30+ days late which is NOT TRUE. I have never paid late for my XXXX and have documentation from XXXX proving that I have never paid late. Equifax has horrible customer service and will not remove the error on my Equifax report and is running me around in circles for almost 1 year. XXXX and XXXX are correct and show that i have never paid late also. Equifax is awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I did a mobile deposit as I have done for 10 months, they are holding all funds for 2 days. I have always had {$200.00} available immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Theres alot of unauthorized inquiries on my   XXXX   credit report from companies i dont recognize ...

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 2020-03-09
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a great customer with Discover for years always paying on time. I was threatened in signing a document to obtain all my tax records with a third party affiliate of XXXX  to do this if I refused they would close my account a report it as fraud. They did that and reported it with my other creditors. Im an XXXX XXXX and cant get stressed this caused me to have to go to the hospital. I checked my credit report today and my credit has gone down 152 points. This is causing a great deal of stress and fear that I may have a XXXX XXXX. They have ruined my credit. Discovers corporate will not contact me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was a victim of identify the ft in 2010, and shortly after I went through an exacting amount of time attempting to correct and fix this  mess. Experian, more so then the others, was absolutely unhelpful and dragged their feet. After reaching out to private counsel,  XXXX  separate police departments, and the FTC I finally had them rectify the issues. Now fast forward, a illegally opened and FRAUDULENT account has reinserted itself ONLY on my EXPERIAN report.  XXXX  is being reported  XXXX  times and with a balance of  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 2016-07-08
Company: BUDGET CONTROL SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt was paid directly to the medical provider billing company in the amount of {$560.00}. The billing company is XXXX XXXX. The invoice was paid on XXXX. 

I recently discovered a collection for an amount of {$1600.00}. The collection company is : BUDGET CONTROL SVCS IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX I called the collection company and they advised the collection is valid, and that I owed the money. LIED! 

BCS shoud be fined for their deceitful actions. XXXX XXXX notified BCS in late XXXX that my account was paid in FULL. BCS was aware for 41 days of the zero balance, failed to update my credit report, and attempted to collect an additional {$1100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation