BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-26
Company: WELLS FARGO & COMPANY
State: IL
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: Problem with personal statement of dispute

Complaint:
In XXXX of 2015 I requested assistance from their Home Preservation department, because I became unemployed. Under the plan terms and conditions, I agreed to make partial payments to Wells Fargo until I could make full payments, or refinance my mortgage. At the end of the plan term, I successfully completed refinancing my home. The initial documentation that I received and submitted to Wells Fargo states During the plan period : We ( Wells Fargo ) will report to the credit agencies that you are paying your mortgage under a partial payment agreement with us. However, per my credit report, it appears that they have reported that payments were paid late for 12 months, instead of paid partially. Im disputing Wells Fargos reporting because they did not clearly indicate that they would report every payment made under the trial period as late. The wording on the documents attached literally state we will report to the credit agencies that you are paying your mortgage under a partial payment agreement with us. I would also like to point out that during the time that I entered the plan, the Home Preservation department was a new entity at Wells Fargo. I talked with 3 different Home Preservation Specialist who handled my case, and stated that due to the newness of the department, policies and protocol was constantly changing. I feel that I was not provided with the correct information at the initial agreement of this plan, which could have affected the outcome. I feel that Wells Fargo should amend or correct their reporting in a way that reflects what I initially agreed upon. I have since contacted the Better Business Bureau, to which I have gotten no results. at this time Wells Fargo still Believes that they have reported fairly, despite the inability to accurately inform me as the consumer.

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 2017-06-26
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hello I am confused. I have already spoken with multiple parties about this company and I was already updated that I do not need to have any interaction with these people. I am being told very rude and out of line things that " I do n't know what I am talking about '' and a " XXXX XXXX '' cuts me off and does not listen to anything that I am saying. I did my research and made my phone calls. I should not be receiving any phone calls from this company. I do n't know where these people graduated from but my intelligence level ca n't be low neither can the rest of the companies that I have spoken to about these people. Stop calling my phone number. I do not owe your company anything. 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 2017-06-26
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I need a detailed listing of every trnsactio my mortgage loan went through with Wells Fargo. I bought my home in 1998 through XXXX XXXX and then it transfered to Wells Fargo and no idea from there. Somehow it got put n to the hands of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX and t seems I was left out of the loop but yet foreclosed on. I Want to see all of these transactions that transpired up to this foreclosure. Ialso want toknow how a foreclosure started by XXXX XXXX XXXX, ells Fargo attornie whom was disbarred by New York state Attorney General XXXX XXXX was allowed to be changed to other attornies, using the same paperwork stated by XXXX XXXX XXXX, was even allowed permissable to foreclose. Wells Fargo, seems to me you have had to apologive a few times in your paperwok for some major discrepencies. I have no plan to stop my investigation in to this and I have called on Donald TrumpXXXX the news media and Senator XXXX XXXX for assistance.

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 2022-02-19
Company: EQUIFAX, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because EQUIFAX, XXXX, and XXXX XXXX credit bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This account of {$1000.00} has been closed as of XX/XX/2012 recorded as paid in full. I have requested multiple times of a removal from my credit report due to it being closed and not reported since it has been 8 years and 8 months and it still shows closed, paid in full on my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: KEYCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XXXX XXXX, XXXX I noticed a withdrawal of {$9900.00} dated XXXX XXXX, XXXX on my XXXX XXXX bank statement that I received via email on XXXX XXXX, XXXX. The description for the withdrawal read XXXX XXXX. There was also a withdrawal of {$75.00} on the same date with a description of LITIGATION FEE. I was not aware of the withdrawals, so I contacted the bank at XXXX. They recommended that I contact the phone number listed in the description. This was a direct number to XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX Per discussion with XXXX XXXX, someone filed a California tax return in my name using my social security number with taxes due of {$9900.00}. Per XXXX XXXX, Key Bank was issued an Order to Withhold Personal Income Tax with instructions to contact me and wait 10 business days to withhold any funds from my account. XXXX XXXX contacted the bank on XXXX XXXX, XXXX to release the order as it was determined that someone had try to use my identity. Per XXXX XXXX, Keybank legal department told her that that had never contacted me and that they had already sent the money 2 days after receiving the order. Per my relationship manager at Key Bank XXXX XXXX on XXXX XXXX, XXXX the legal department was contacted by XXXX XXXX on XXXX XXXX and XXXX XXXX, who instructed to release the order and stop payment on the check sent to the XXXX XXXX XXXX XXXX. Per XXXX XXXX, KeyBank has refused to stop payment and will not reverse the {$75.00} Litigation Fee that they charged their customer, even though they did not follow the directions of the order to contact me and wait to send funds. On XXXX XXXX, XXXX, I received a letter from Key Bank regarding the withdraw dated XXXX XXXX, XXXX post marked XXXX XXXX, XXXX with a copy of the third page of the Order.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
In XXXX, after 20 years of employment with the same company, my wife was laid-off due downsizing. She had several credit cards at the time and I was listed as an authorized user on some of them. I was not the OWNER of any of the credit cards - I was only an AUTHORIZED USER. My wife was successful in finding another job but the pay was 1/3 of what she was making before she was laid-off. For over 3 years, she tried to keep up the payments on her credit cards by drawing money each month out of her retirement account. Unfortunately, in XXXX of XXXX she had no choice but to declare bankruptcy because she had used up her savings and retirement dollars. After she was discharged from her bankruptcy, I began receiving certified/registered letters from XXXX demanding that I pay the balance on her credit card. I explained to them that I was not the owner of the card, but simply an authorized user. I asked them to send me proof that I had signed the cardholder agreement as a responsible party. I received a letter from them stating that they did not have the proof that I was a responsible party on the account. I explained to them that until they could furnish proof that I was a responsible party on the charge card that I was disputing the validity of the debt and respectfully requested that they do not contact me again. To date, they continue to harass me requesting payment and have now sold the account to a collection agency that is demanding payment. My wife talked to the attorney that handled her bankruptcy and was informed by her that I am not responsible for this debt. I am requesting that the harassment for payment on this account be stopped and that the negative information they have reported on this account to the credit bureau be retracted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Below listed are accounts that appears on my credit report that doesn't belong to me.I have not given anyone access to nanny of my personal information to apply for credit cards or loans in my name. 


1 ) XXXX XXXX XXXX -opened XXXX XXXX amount {$1700.00} 2 ) XXXX XXXX  opened XX/XX/XXXX amount {$440.00} 3 ) XXXX XXXX XXXX opened XX/XX/XXXX amount {$420.00} 4 ) XXXX XXXX XXXX XXXX opened XX/XX/XXXX amount {$5600.00} 5 ) XXXX XXXX opened XX/XX/XXXX amount {$1900.00} 6 ) XXXX XXXX XXXX  opened XX/XX/XXXX amount {$15000.00} 7 ) XXXX XXXX XXXX  opened XX/XX/XXXX amount {$12000.00} 8 ) US DEPT OF EDUCATION opened XX/XX/XXXX amount XXXX 9 ) DEPT OF ED/ XXXX opened XX/XX/XXXX amount XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Synchrony Bank has abruptly closed my account. This is an adverse action damaging my consumer credit. They closed the account because I do not have a mortgage or any secured credit, the average time on applications for credit, credit usage etc. 

The card they closed was opened in 2017 and used twice. One time as recently as last year. The card has always been paid timely and never incurred a late fee. 

A creditor closing a consumer 's account reflects negatively on the consumer credit report. They could have called me to discuss any problem and I would have voluntarily closed the account. Instead, they chose to damage my credit further. 

Synchrony should reinstate the account and call me to discuss the problem. I am their customer, they are not mine. I would be glad to no longer do business with a financial institution such as this. It is a shame they are even allowed to operate.

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 2022-01-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX 2021, I received an auto text alert on my phone that asked me to authorize a XXXX transfer to a persons account that I did not recognize/initiate myself. I responded NO to the text, and immediately received a call on my phone that read as " WELLS FARGO '' on the caller ID ( whom I utilize as my bank ). I answered and spoke with someone who identified themselves as being from the Fraud Department & inquired about the transaction which I perceived as the routine procedure to prevent fraudulent events. I later found out that this person I was speaking to was the scammer themselves & only impersonating someone from my actual Wells Fargo Bank to get my account information/2-step verification details in order to complete the transaction. In doing so, they authorized the transfer and I lost {$4000.00} dollars from my savings account. It has now been over a month of explaining this situation to Wells Fargo yet they continue to refuse to refund my money despite being tricked into doing so at no fault of my own. I did not authorize the payment & have documentation to prove this ( see attached files ). Only when I was deceived into believing I was speaking with representatives from my own bank did I divulge personal account information. This does not constitute personal authorization as they claim on my part, due to the fact that I was fraudulently induced to believe I was working with a trusted source from my own bank. Yet they continue to deny my claim. The scammers fraudulently impersonated both my bank ( Wells Fargo ) & myself by commandeering my account to authorize a transaction I did not consent to. I am asking Wells Fargo to refund the {$4000.00} unlawfully taken from me per my right as a Well Fargo Bank customer & XXXX XXXX protected by Regulation E of the Federal Electronic Funds Transfer Act.

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 2022-09-05
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I WAS IN A CAR WRECK ; THE BILL WAS PAID IN FULL. i HAD A LAWYER THAT SENT THE MONEY AOUTOMATIC. AFTER CASE WAS SETTLED. HE HAS THE ACCOUNT INFORMACTION. I HAVE TRIED THROUGH THE CREDIT BURUEAS, ALL THREE OF THEM i LEFT PHONE NUMBER TO CONTACT THE LAWYER AND THE COLLECTION IS STILL ON MY ACCOUNT. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: Paramount Recovery Systems, L.P.
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: Old information reappears or never goes away

Complaint:
On all 3 credit bureau reports, they show an account that was deleted at least a year ago and now this account is popping back up. the information is as follows : Paramount Recovery opened on XX/XX/2019 Original creditor is XXXX XXXX XXXX XXXX for {$480.00} dollars. 
Previously on all 3 credit bureaus, this incorrect account was removed and now is back on them again without my prior knowledge, until I looked at my reports recently

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
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: Information belongs to someone else

Complaint:
My ID was stolen inXX/XX/XXXX. Thought the years this person who lives in Georgia has used my name, social security number, and date of birth to change data on my three credit reporting companies and open fraudulent bank accounts to get credit cards. In XX/XX/XXXX I placed freeze codes with XXXX, XXXX, and Equifax.
In XX/XX/XXXX received a notice from Equifax that someone had changes my address to XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX  and changes the phone number to XXXX. Also he had opened an account with XXXX XXXX XXXX phone XXXX. I reported this to Equifax, XXXX XXXX, the XXXX XXXX  Police Department report # XXXX. On XX/XX/XXXX found that he had changed my address with XXXX to the Georgia address. It took me until XX/XX/XXXX to get all of data corrected. onXX/XX/XXXX he changes my address with XXXX to XXXX XXXX XXXX XXXX, XXXX, GA, XXXX phone XXXX. new police report XXXX. ON XX/XX/XXXX he changed address on Equifax to XXXX XXXX XXXX, XXXX, GA, XXXX. FTC FILE XXXX. Still trying to get Equifax to fix my credit reports to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: American Student Loan Advocates
State: CO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
In XXXX of XXXX I started contacting companies that I could help me consolidate my student loans. I contacted Student Loan Advocates and they initially advised me that I do not qualify for assistance because I do not have a XXXX XXXX or a high enough balance. I was contacted with repetitive phone calls for a couple days telling me they would be able to help me with consolidation. I spoke to a representative named XXXX and he stated he could help me with the initial on line application, he answered all the questions and stated that my balance would decrease to less than XXXX a month and for a shorter period of time. A couple days later I received an email from XXXX XXXX with an application for me to complete and fax back. In the process of filing out the application a question asked if I work for a nonprofit organization, the answer is no and the next step told me that I do not qualify for assistance. I sent an email back to XXXX advising that I will not be able to complete the application due to my company not being a non profit. I started receiving emails and text messages advising that I need to still sign the application and fax it back. On Friday X/X/2017 I received a text message stating that a charge of XXXX will be taken from my account. I contacted both XXXX and XXXX and advised that I did not agree to a payment since I did not qualify for their services. On Monday XXXX a XXXX charge was taken from my XXXX XXXX Credit card, I called and asked why they are deducting money when I was not approved and was advised that even though I was not approved the charge was the first from a XXXX application fee. On XXXX I went to pay my student loan with XXXX and found that my user name, my password, and my email that is associated with my account was changed. I was not able to contact XXXX until Monday XXXX, I advised of them of the problems and they were concerned that someone has accessed my account and changed my user information. I provided the information of my original user name and password and the one it was changed to right before this one and the rep was able to help me correct my information and put a password on my account. She advised me that it is against the law to access my account and to contact CFPB and FTC to file a 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 2022-09-05
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:
Been attempting to solve the issue with the Bureaus and have yet to get a positive response of the matter and Now I am prompted to File an FTC report on the matter. The following accounts are fraud and should be removed from my credit report : XXXX XXXXXXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX  : XX/XX/XXXX : Inquiry : Fraud XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXXXXXX : XXXX : Collection : Fraud XXXX XXXX : Inquiry : Fraud XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX : Inquiry : Fraud XXXX XXXX XXXXXXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXXXXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XX/XX/XXXX : Inquiry : Fraud US SM BUS ADMIN ODA : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: WELLS FARGO & COMPANY
State: GA
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:
Wells Fargo denied me a credit card and lied about the reason for the denial. I have both a mortgage and second mortgage with Wells Fargo for over 13 years with never a missed or late payment. On or about XX/XX/XXXX, I visited https : //www.wellsfargo.com/ and saw an advertisement for a consumer credit card that offered {$200.00} in cash reward bonus with a minimum use qualifier. It also offered cash reward point accumulation of 1.5 % on all purchases.
I filled out the online application which really only asked for gross income and personal identifying information. I received a letter datedXX/XX/XXXX in which they stated they denied the credit card request based on the reason : " Credit references provided ca n't be verified ''. I gave them no specific credit reference in my application. Specifically, they state they are unable to get a credit report from XXXX for me. I called them shortly after receiving the letter and filed a verbal complaint. The call was escalated to a man in their " executive office ''. The basis of my complaint is that on their web site I can see my own FICO score, so it is obvious they not only can but have routinely pulled a credit report on me. I have excellent credit. I did state on the application that all of my income is sourced from retirement. I conjecture they denied credit because I am retired.  Regardless, whatever their reason is, it is not because they ca n't verify that I have excellent credit. I received a second letter dated XX/XX/XXXX in which they stated that after investigating themselves, they determined they have done nothing wrong. This is probably the second lie.

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