BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-31
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This information was shared illegally ( third party ) without my informed and expressed consent

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 2017-07-16
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: Information belongs to someone else

Complaint:
To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: National Enterprise Systems, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hello. I have been contacted by national enterprise System XXXX XXXX XXXX XXXX XXXX ... About XXXX private loans. One for the amount of XXXX and another one for {$5200.00}. I never agree to have private loans. I attended XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX in XXXX XXXX.When I enrolled to this school I was informed that the school was accredited and that I could transfer my credit to other school. they said they will help with me with my job search. I remember specifically telling My recruiter XXXX that I only wanted federal loans.I never agree to have private loans and somehow they manage to include it for me. When I attended to this school I enrolled hoping that i will eventually become a professional and have a career out if this school. When i graduated and started looking for jobs I always was rejected by potential employers. I knocked so many doors but no one ever gave me an opportunity. I turned to XXXX for help and they were giving me jobs that didnt even had to do anything with what i had studied. Then i decide to continue my XXXX at another school and learnt the credit were not valid and transferable i have not been able to attend school due that i have to much debt and cant afford to continue. Currently iam not working in my field and i struggle everyday to support my family. I need help. This debt is really drowning me making me not want to live anymore. I need to dispute the validation of this debt. How can i do about that?

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 2017-07-16
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On   XXXX    XXXX , 2017 I paid my conns account in full on the phone with a customer service rep in the amount of  XXXX . This company has yet to close my account and this has caused several negative marks to be placed on my credit report. I 've been in contact with conns everyday asking them to close my account and to remove the credit markers. They 're offline department has admitted fault and told me my payment was not applied to my account because of the rep error. Customer service has yet to close my account and they keep telling me the account is processing for closure and it could take 3 billing cycles. Mean while I incur more negative credit markers. Please help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The Chexsystem. It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.

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 2016-10-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, XXXX Summary of Complaint In late XXXX, Wells Fargo triggered a Short Sale of our property! This happened as a result of our investigation and then pursuing a Home Loan Modification option with XXXX CA. Our application was declined. 
We pursued a similar investigation with XXXX XXXX as it was highly recommend to us as a solid local resource. The contact at XXXX XXXX was extremely helpful and supportive and we are disappointed that we were not granted a home loan modification by Wells Fargo. When mortgage rates dropped in XXXX, they would not allow us to replace and ARM loan with a fix rate mortgage. 
Unfortunately as a result of this pursuit, it has become necessary to repetitiously pursue the removal of sets ups by XXXX XXXX as short sale status presumptive Escrow accounts. We have made it perfectly clear that we do not wish them to handle home insurance and property tax payments that we continue to pay directly without issue. As a result of their forced payments, they have started billing us a monthly mortgage payment amount of {$4100.00} instead of the recently increased $ {$2600.00} since XXXX, XXXX. 
We have adopted a pattern of conference calls when we reach them so we at least can take notes and ensure more ears and eyes based on our growing mistrust of Wells Fargo. They overpaid our home insurance and this created confusion regarding our long standing account with XXXX XXXX as it presented a credit in that caught our attention in early XXXX! My husband has pursued vigorous follow up with Wells Fargo constantly communicating our continued concerns. In particular, without our agreement, they made proactive payments to our home insurance carrier contact at XXXX XXXX as well as property tax payments to XXXX XXXX of XXXX XXXX Tax Collector. As it turns out, XXXX XXXX accounting clerks promptly returned Wells Fargo 's proactive overpayment to them as soon as possible. This spared us what could have been more loss of our productive time to handle yet another on-going pursuit to cease their overt tactics. It may be needless to state that this has been very disruptive and unsettling condition that has dragged on over months. It would be remiss of us not to file a complaint with your Consumer Financial Protection Bureau as our instincts tell us we are likely not alone it this and need assistance. 
We can provide back-up documents with a time line related to our many follow up phone calls and the verbal responses that we were provided by Wells Fargo and others. 
Yours Sincerely,

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the account listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX Date XXXX XXXX {$760.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I appreciate someone investigating and providing details last time around from Amex. Seems like they do have all the information that is required. Hope they do have information that are not necessarily only in company 's favor. Calls should have information required to prove calls & assurance from customer service team.
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Important point which was n't addressed in previous reply was if you 're not eligible, why they kept pushing for the offer, that too while booking on   XXXX    website too. It is unfair to have users read terms during the time of ticket booking! I would like complete facts to be investigated to confirm that mails were sent with Amex offers. When customer is not eligible, why send those ( I am sure if they can keep records for 4-6+ years, while marketing it is n't difficult to NOT target those customers ). Is n't this bad business practice?
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I ended up paying extra to use credit card for meeting the stringent $   XXXX   requirement. Amex had opportunity to inform immediately after approval also to notify of non-eligibility or during the calls that followed ( once again I would like to point out that calls seem to have been recorded without consent, but hopefully that can be used to confirm assurance of the offer once I met $  XXXX k requirement ). You can also confirm that each time I was told " by mistake case has been closed, but will be taken care in a week or so ''.
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Finally after months I am being told wo n't get any miles or credit, 'I was given wrong information earlier and nothing can be done '. Underlying message was 'read terms & conditions ', all other assurances were just sales gimmick. This is beyond frustrating & bad business practice and need to be really resolved. Also need to stop them from doing this again to any other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have made several attempts to have my XXXX accounts removed from the Equifax report due to the discrepancies ' in the payment history they are reflecting. This has gone no where, instead of removing the inaccurate information, they updated inaccurate information and they are reflecting a higher balance than what I owe. 
XXXX XXXX ok- XXXX XXXX XXXX XXXX XXXX ok- XXXX XXXX XXXX XXXX ok- XXXX XXXX XXXX XXXX ok- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: Experian Information Solutions Inc.
State: TX
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:
A collection/debt appeared on my Experian Credit report, it was removed for reasons of No Contract, Not verified The first investigation proved the account was inaccurate/incorrect and was removed by from my Experian Credit Report. I filed a previous complaint with CFPB for this particular 3rd party collector, it was removed after the investigation and re added, damaging my credit reputation and causing me to be denied for credit.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
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Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my 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 2016-08-01
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debit was paid in full on XXXX/XXXX/16 and they continue to report to XXXX that the debit is unpaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I was made aware of not  XXXX , but  XXXX  (   XXXX     XXXX   and again in early   XXXX   deleted EVERYONE 'S TransUnion Inquiries ) and in  XX/XX/XXXX    XXXX   ) computer glitches that was TransUnion 's and   XXXX   XXXX   problem - not mine - caused inquiries to be deleted and/or We have recently updated our system to provide our customers with an even more accur ate    XXXX   XXXX   XXXX    and Score, it said. Because of this, some people may notice some information on their   XXXX   XXXX   XXXX   that they didnt see before..TransUnion and  XXXX  later added/re added them all ( back ) onto my credit report without giving me the legally required written notice 5 days prior to them being re-added. I have contacted TransUnion and   XXXX   in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries have added a hardship and my rights were violated by TransUnion and  XXXX . Please, help me to make TransUnion and  XXXX  stop victimizing me. I ask that a resolution of all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 2017-07-16
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
Identity Theft account opened under my name with Portfolio Recovery. I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for Portfolio Recovery,  XXXX ,  XXXX ,  XXXX  to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all  XXXX  credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by   XXXX   XXXX   that my score has been declining, and the accounts we 're opened without my consent. Inaccuracy, Fraudulent, major errors   XXXX   1. Portfolio Recovery   XXXX    accounts 2.   XXXX   XXXX   3.   XXXX   4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.    XXXX   XXXX    XXXX  1 .   XXXX   XXXX   2.   XXXX   XXXX   3.   XXXX   XXXX   XXXX   4. Portfolio Recovery  XXXX  accounts  XXXX  1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Talked to someone not related to me about debt and left information about debt with my name on front door where everyone could see it and read it. They are also listing someone else in the document I do n't know, does n't exist and/Or has nothing to do with this debt. The documents were so cigarette smoke infiltrated they made me sick.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
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: Information belongs to someone else

Complaint:
Identity Theft account opened under my name with   XXXX   XXXX  . I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for   XXXX   XXXX  ,  XXXX ,  XXXX , Experian to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all  XXXX  credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by   XXXX   XXXX   that my score has been declining, and the accounts we 're opened without my consent.
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 XXXX  1.   XXXX   XXXX    XXXX  accounts 2.   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX    XXXX  1.   XXXX   XXXX   2.  XXXX  3.   XXXX   XXXX   XXXX   4.   XXXX   XXXX    XXXX    accounts   XXXX   1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3.   XXXX   4.   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My complaint regards being denied a mortgage modification. When the economy failed, my husband, XXXX, lost his job as a XXXX. He was also caring for his XXXX parents. As their needs increased, he became their full-time caregiver and they helped us with our bills. After his dad died of XXXX, XXXX continued caring for his mother with XXXX. When his mom was placed in assisted living this assistance ended. After that XXXX could n't find full-time work. I continue to be employed as a XXXX since 2004, but my salary did n't cover the bills. XXXX found side work, but it was n't enough. I contacted my mortgage servicing company and they were willing to assist. After I received foreclosure documents they no longer took my calls. I tried to respond on my own, but eventually I hired an attorney. She says we 're half way through the process with a year left. Our lender has rejected our modification requests even though we are both working full-time in permanent positions, have received " cost of living '' increases and have no credit debt. I understood that our eligibility hinged on XXXX 's obtaining permanent employment. That criteria was met years ago now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation