BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: PA
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 my XXXX venture to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$5700.00} XXXX  XXXX Balance : {$6100.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$80.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX : {$84.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Novea Portfolio Management LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is in regards to XXXX original a count # XXXX in the amount of or close to {$29000.00} has more than exceeded the California time statue ( 6 ) years with no payments, activity and or dialogue in that same time ( 6 ) years, to legally collect this debt. I would like that the collection agency listed below, to contact XXXX and or other credit agencies to remove this negative mark from my credit report immediately and or issue to me on my behalf a document / letter in reference to that THE EXPIRATION OF THE STATUE OF LIMITATIONS LIMITS THEIR ABILITY TO PERSUE LEGAL REMEDIES that pertains to the XXXX # XXXX in the amount of or close to $ XXXXXXXXNOVEA PORTFOLIO MANAGEMENT ( their a count # XXXX ) Address : XXXX, Florida. XXXXPhone : ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2016-06-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have never been harassed as badly as I have from Wells Fargo. The first day my student credit card payment is late, Wells Fargo begins calling me daily. Today I have received 4 calls from Wells Fargo, 2 of these calls were made back-to-back. This is illegal under FTC guidelines and Wells Fargo needs to be fined. I also have a Checking account with Wells Fargo, which I have also been scammed out of over {$200.00} in overdraft fees. Wells Fargo will post charges to my checking account, then remove those charges the next day, and repost the charges in a few days after more purchases have been made. This is fraudulent activity and this bank needs to be investigated. I will be closing all of my Wells Fargo accounts very soon.

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 2016-07-07
Company: Bonneville Billing and Collections
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I just received a notification from my payroll department of a judgment for garnishment in the amount of XXXX. I NEVER HAVE BEEN SERVED OR SENT A CERTIFIED LETTER NOTHING. Had I been notified of this debt I would have acknowledged or objected depending on what the debt is for!! Now my payroll director will be deducting XXXX $ every paycheck. I am a single mother who if I have to pay this along with my other bills and obligations will cause me to lose my house!! I work XXXX jobs and I 'm obtaining my XXXX XXXX. This is illegal! I was never given the chance to to object or even to take care of this debt on my own without getting my corporation involved!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the fair credit reporting act XXXX  account # XXXX Has violating my rights. 

15 USC 1681 section 602 states have the right to privacy 15 USC 1681 section 6048 section 2 ; it also states of consumer reporting agency can not furnishing account without my written instructions 15 USC 1666B ; a credit or may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose

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 2016-12-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
An unauthorized withdrawal was made from my checking account with wells fargo. they were informed, XXXX emails, XXXX phone calls, They have not answered the emails, put me on hold then hung up with the phone calls. Refuse to refund my money, but continue to charge me overdraft fees, for items that would not be overdrawn if they had taken care of the unauthorized withdrawal. In short, they refuse to help and are making money off their refusal at my expense. They are extremely arrogant.

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 2016-01-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have an Home Equity ine with Wells Fargo , NA, since they acquired Wachovia Bank. Since the changes in FEMA 's Flood Insurance Maps, Wells Fargo has insisted that I obtain Flood Insurance on the property mortgaged. The requirement was for the amount of the lien against said property. Since last year, Wells Fargo has billed me for an excess of the amount of insurance they claim I require because their figures show a lien amount in excess of the amount of the Actual lien. I have called Wells Fargo on XXXX/XXXX/15 and this situation was supposed to be corrected. To date, Wells Fargo has not reversed the charge of {$740.00}. Today I have had to call Wells Fargo, NA., Insurance division again to try to settle this. I am of the opinion that I am not he only customer that Wells Fargo is trying to " extort '' this way and I feel that this should be looked into seriously. Wells Fargo has stated to me again that it will take 10 days for them to " research '' the lien and asked to be called back. They refused to send an e-mail or correspondence with an answer. Please help.Sincerely, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank sent me a promotion in XXXX 2016, offering XXXX thank you ( TM ) point after opening their Citigold account and XXXX bill payments over XXXX months ( please find attached scanned promotional letter in jpg files ). The account was opened on XXXX/XXXX/16 and XXXX bills were paid on XXXX and XXXX ( statement attached ). I have contacted the Citibank representative by online chatting and confirmed the fulfillment of the condition with their representative twice ( in XXXX and in XXXX 2016, please find XXXX and XXXX ). The requests of bonus point claims were denied twice after their lengthy 'investigations ', insisting my bill payments have not fulfilled their condition. It is clearly contradicting their correspondence in XXXX 2016.

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 2022-08-28
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My name is XXXX and my lender is Santander Consumer. I have been contacting Santander regarding my vehicle being stolen back in XXXX. Since the vehicle was stolen I continued making payments. However, my insurance company informed me not to make a payment for XXXX because a check was being issued for payment. The insurance adjustor as well as I has contacted Santander regarding the payment still not being applied to the account. Their representatives are stating the payment has not been received ; however it has been confirmed by XXXX that the package was received and signed for over a week ago. I have been harassed by representatives regarding my XXXX payment. I have received nasty calls on my job, left threatening voicemails, and I have been verbally mistreated by supervisors, the insurance department and customer service representatives at this company. I sincerely feel that this is a form of retaliation because I filed a complaint with the BBB. As of today the payment still has not posted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: EQUIFAX, INC.
State: OR
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:
Hard inquiries where made on my account that i did not authorize. I have called both XXXX, Equifax and creditors all parties have been unwilling to resolve my issues 1 ) XXXX XXXX XX/XX/XXXX 2 ) XXXX November 16,2017 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XX/XX/XXXX 8 ) XXXX XX/XX/XXXX 9 ) XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Financial Data Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no clue of the date of alleged transaction. I have no clue of the services rendered, because I've never physically been to the alleged establishment, to look over, sign, or agree to any services. I have not gotten documentation, explaining the alleged charges. A red flag, to me, just looking at the amount, which is flat ridiculous. How do expect an individual to pay for something that there are not even aware of. I don't know how, anyone can total up those kind of charges at an XXXX  clinic. There is no way, I would agree to any type services like that knowingly. To add insult to injury, I don't get contacted at all, to at least give a FAIR chance to address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: North American Credit Services
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
My husband was paying on my debts. I went through a horrible divorce, was left with no car. Could not work at the time. Had to move back into my parents house and start over. Did not have the money to pay debts. When I moved the bills were not sent to my new address I had no idea how much I still owed or that the bills were being sent into collections. Would like to negotiate a plan to pay off an amount of these collections to have the deleted off all XXXX credit reports now that I have a steady income.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: EdFinancial Services
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Let me start by saying I have been making my payments on time ever since I began paying my loans. I have never asked for repayment assistance and I know that my debt is my own to pay. 

After a phone call XX/XX/XXXX to confirm when my payment would be increasing, a representative name XXXX offered me an extended standard repayment plan. When I got the confirmation of my new payments in the mail, I realized that my new payments would be about {$300.00}. This was a far higher payment than what I 'd been told over the phone. I called EdFinancial to figure out the problem. Turns out, because my debt was {$22000.00} not {$30000.00}, I no longer qualified for extended repayment. This is where the trouble began. I was told by XXXX, a manager, that this was a " silly mistake ''. He went on to say that this " silly mistake '' could n't be fixed. EdFinancial could n't put me back on my old payment plan ... that I no longer qualified. He said that if I did n't want a {$300.00} payment that I would have to go on extended graduated repayment. I was n't happy because I knew that I 'd be paying interest only for 2 years, but at the time I could n't afford a {$300.00} payment. I received my new documents in the mail and went on with my life. 

Today I received a new statement in the mail ( sometimes they come via email and other times they show up in the mail ). I realized that for yet another month, EdFinancial will be withdrawing the same amount that I 've been paying for almost three years. So, I went back to look at my documentation and the information I could find on my EdFinancial account. 

According to the documents I was sent on XX/XX/XXXX, my payment should have increased on XX/XX/XXXX. It has n't, but my loan balance has. I am paying {$0.00} more than I was paying XX/XX/XXXX. At this rate, I will never pay my loan off. All this, because XXXX offered me a plan that I was not eligible for. I have contacted EdFinancial about the situation and I 'm currently waiting for their response. 

I am being penalized because of a " silly mistake '' made on their part XX/XX/XXXX that has been magnified by the errors being made since XX/XX/XXXX. What recourse do I have? How will they be held accountable for the mistakes made with my loan? How can this be made right in a way that I am not paying thousands of dollars more on a loan error that was not my fault?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the Fair Credit Reporting Act, The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15usa 1681. XXXX  Account # XXXX  XXXX XXXX XXXX XXXX XXXX {$650.00} Account # XXXX  XXXX  XXXX XXXX {$380.00} Account # XXXX  XXXX XXXX XXXXXXXX {$350.00} Account # XXXX XXXX XXXX XXXX {$320.00} Account # XXXX XXXX XXXX XXXX XXXX {$380.00} Account # XXXX XXXX XXXX # XXXX {$540.00} Account # XXXX XXXX XXXX # XXXX {$470.00} Account # XXXX XXXX XXXX  XXXX {$330.00} ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Account # XXXX XXXX XXXX XXXX XXXX {$350.00} Account # XXXX  XXXX XXXX XXXX XXXX # XXXX {$320.00} Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$450.00} Account # XXXX  XXXX XXXX XXXX XXXX XXXX {$640.00} 15U.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 state 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
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the fair credit reporting act XXXX  account # XXXX Has violating my rights. 

15 USC 1681 section 602 states have the right to privacy 15 USC 1681 section 6048 section 2 ; it also states of consumer reporting agency can not furnishing account without my written instructions 15 USC 1666B ; a credit or may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose

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 2016-08-29
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX, XXXX I contacted Wells Fargo because it appeared that they were not applying my payments correctly, bi-weekly as they were paid. They explained, they were not obligated to do it that way, but in the future they would draw down the payment amount from my bank account themselves and credit anything over the amount owed to the principal on the house. At this point, I forgot to stop my automatic payments I had initiated fro my account, so Wells Fargo was receiving over twice the amount I owed them each month. Instead of applying it towards the principal, they used it as a pre-pay towards my future months dept. I contacted them today to explain the error and they stated they could only rework three months of their error. This seems as if its against the intent of the prompt payment crediting regulations. They had my instruction ( which is recorded ) to apply any extra funds to my principal. I would appreciate if you could help me resolve this issue.

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 2017-11-26
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I was on the website XXXX. There was a link on that website for a {$200.00} Peoples United Bank checking promotion. I clicked on that link and opened a checking account. The requirements were : Have a direct deposit of at least {$100.00} within 60 days of opening the account and at least 10 debit card purchases of at least {$25.00} each post to the account within 60 days. I met those requirements in XX/XX/XXXX and the bonus was supposed to post in 90 days ( which it did not ). After contacting Peoples Bank numerous times and getting the run around, I was last told that I was not on their targeted list for this promotion which is why I did not receive the {$200.00}. The bonus language did not say anything about being on their targeted list. It was a link on XXXX with an offer of {$200.00} after meeting the terms and conditions. Please publish this complaint so others can come forward and perhaps file a class action lawsuit against the company for deceptive practices.

Company response to consumer: Closed with explanation