BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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've reported to the major credit reporting agencies that my identity was compromised and without any physical documentation in which was requested they still mis reporting these unauthorized fraudulent accounts on my credit file. I'm requesting that these accounts are removed immediately and blocked from my files. These accounts shall be removed. 

1. XXXX XXXX {$580.00} 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. Dept of ED/ XXXX {$3800.00} 8. Dept of ED/XXXX  {$3700.00} 9. Dept of ED/ XXXX {$2200.00} 10. Dept of ED/ XXXX {$1800.00}

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 explanation
Consumer complaint received 2021-06-27
Company: EQUIFAX, INC.
State: MN
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: TD BANK US HOLDING COMPANY
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: AES/PHEAA
State: NY
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:
I attended an XXXX program in XXXX and took out student loans. Upon graduating and beginning repayment, I was often contacted by customer service given XXXX amount owed ( $ XXXX/month ). I was not aware that this XXXX amount I was told was outstanding, represented the balance of XXXX loans. Therefore, when I had financial issues and could not repay, one missed payment represented XXXX negative hits ( XXXX for each loan ). While missing 7 payments over the course of 4 years is not good, it is far worse that each loan was reflected as non payment ( XXXX negative marks ). I was never told I had the option to pay some loans, which resulted in lower payments. And while some would have and could have still been delinquent, all XXXX loans would not have been. I believed all the loans came from institution, and therefore there was only one payment due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Capital Accounts, LLC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a a unverified account fromCAPITAL ACCOUNTS LLC. I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX XXXX XXXX purport I owe. I request thatCAPITAL ACCOUNTS LLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAPITAL ACCOUNTS LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Upgrade, 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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Bread Financial 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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: WELLS FARGO & COMPANY
State: CA
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:
Wells Fargo was helping me refinance my home. I wanted to take out some of the equity out of my home to pay off two credit cards, purchase a new roof and a new HVAC system for my house. 

This and lowering my interest rate was the reason for the refinance. The loan officer, XXXX XXXX and the underwriters knew my intention was just to pay off these two cards. 

I was told I had to close both of my credit cards in order to refinance my home by XXXX who said the underwriters were requiring that. 

I was concerned about closing both cards, having had one of my cards for 35 years and the other one for 8 years. I believed XXXX when I asked if it would effect my credit score and was told it would not. 

My interest rate went up rather than down. 

I am a widow and believed what I was told. My mistake was in believing them. Thinking that a bank as big as Wells Fargo would not lie to their customers. 

I had never been late on a payment on either card or missed a payment. Since I have learned my credit score took a huge hit when losing so much credit history. I have contacted the bank to make a formal compliant.

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 2015-05-22
Company: American Collections Enterprise, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I became a victim of ID theft in XXXX and in XXXX I was informed by the IRS that someone had filed my income tax return using my personal details and when i had my XXXX report pulled because i am trying to purchase my XXXX home. I was subsequently informed that I had a large amount of debts in collection. I requested my free reports and found that I have ( XXXX ) medical entries that do not belong to me. i contacted the ( XXXX ) bureaus and informed them that i wanted to file a dispute ; immediately I contacted the debt holders and informed them that i was a victim of ID theft and I needed them to send me written validation of the account and information detail where and how the account was opened. All that has transpired since my initial contact since XXXX from my efforts was a security alert being placed on my file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-05-19
Company: Lendmark Financial Services
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had XXXX loan agreements with Lendmark Financial in XX/XX/XXXX. I ran into some money issues and both accounts went in default. in early XX/XX/XXXX an judgement was granted in favor of Lendmark Financial and the account was soon charged off. I talked to an Attorney and it was discovered that when the judgement was granted, the account was no longer active. ( In other words the judgement would remain on my credit report for 7 years from that day ). The judgement did indeed stay on credit reports for 7 years and was taken off. However, the items still remain on my credit reports ( all XXXX ). I fell strongly that Lendmark Financial has altered the roll off dates to keep the items on my report. ( the dates do not match on the credit reports ). I have contacted the company and reporting agencies numerous time and nothing was done. To sum it up My complaint is that the judgement was removed after seven years but the charge-offs remained. ( they are offset ) and unfairly doing damage to my credit. I think the charge-offs should be taken off just as the judgments were taken off after 7 years. The judgments actually happened before the charge-offs

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I have a non-tax, non-student loan debt through the U.S. State Department which was being collected by the U.S. Department of Treasury in which I had payment arrangements. Due to a change in their accounts receivable system in XXXX I became lost in their system. My payments went uncashed, I stopped receiving statements and when I called, they could no longer locate my information. Apparently sometime in XXXX they turned me over to a collection agency, Pioneer Credit Recovery and provided an incorrect address to that agency. I received no written communication what so ever. In XXXX of XXXX, this collection agency ; using US Department of Treasury letterhead and documents, obtained a wage garnishment. I was provided no written, or oral communication about the garnishment and provided no opportunity to appeal the garnishment. When I attempt to reach the the US Department of Treasury I am told they no longer service my account and that I must contact Pioneer Credit Recovery ; however, Pioneer used US Department of Treasury letterhead, with their emblem as if the garnishment came directly from the US Department of Treasury but the payments are being sent to Pioneer Credit Recovery. In addition, non-tax Federal debt maximum for garnishment is 15 % but they are collecting 25 %. The US Department of Treasury refuse to verify or confirm that they put the garnishment in place and keep referring me to Pioneer Credit who will not answer my emails or return my phone calls. I feel that Pioneer falsely represented the wage garnishment as coming directly from the US Department of Treasury to avoid obtaining a court order and falsely prepared and submitted documents as coming from the Government but rather came from their collection agency. In addition, another collection agency, XXXX XXXX is attempting to collect the same debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Colony Brands, Inc.
State: FL
Product: Credit card
Issue: Other

Complaint:
I wrote a letter to Montgomery Ward asking the company to provide me proof of my written signature. They in turn sent me a letter denying my request and deemed this as frivolous because I did not specifically ask for anything in my request. I clearly asked for written proof of my signature. Under the FDCPA Laws and the FCRA laws it is required that they can furnish me written proof of my signature validating that this debt is in fact mine, by them sending me a letter in the mail does not comply with my written request. They are violating my rights and the law by not furnishing me this information. I am to believe that because they chose to send me a letter instead that they can not provide me this information therefore they must cease collections and remove the debt from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: NV
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:
The following accounts that the 3 major credit reporting agencies are reporting has no factual relevance to me or my credit files. These accounts are fraudulent and has been mis reported on my file every since my identity has been compromised. I'm demanding that these accounts be removed immediately from my files. 

1. XXXX XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The following accounts that the 3 major credit reporting agencies are reporting has no factual relevance to me or my credit files. These accounts are fraudulent and has been mis reported on my file every since my identity has been compromised. I'm demanding that these accounts be removed immediately from my files. 

1. XXXX XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX 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 2017-01-24
Company: Navient Solutions, LLC.
State: CA
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:
Latest Issue : defaulted on loan. To avoid Navient 's taking money from pay check signed up for 9 month payments {$50.00} on time. After only 6 months, I got forced into a consolidated income sensitive loan. I 'm unemployed. They want {$69.00} a month. I have not paid for 2 months so they want me to go into forbearance. I tried to make payment with Unemployment debit card. The ONLY form of payment they will take online is customers checking account. 
Not only did they breach a contract of 9 months but they bullied me into a consolidated loan I will never be able to repay in this lifetime. Further, they make it virtually impossible to make a payment online. I have never been asked by any billing for my checking account and not accept Debit card. The amount I owe is {$300000.00} from a loan that was {$50000.00} XXXX XXXX. The loan amount is too complicated to send via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I co sighned for my son XXXX for XXXX federal XXXX loans back in XXXX and XXXX for a original interest rate of 8.050 %. In XXXX XXXX said I that I could consolidate and get a reduced rate, but infact they increased my interest rate to 8.0125 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Today, XX/XX/XXXX, the bank seized my entire account, due to a debt my wife owed some 18 years ago. One she has no idea about. She has sent letters to the Superior Court of NJ and to the law offices asking for clarity. I never received a seizure notice, and find it unfair that the only monies in my account are those that I have earned under my name, not my wife, who has been ill since XX/XX/XXXX ; and ill most of her life, and would have never been able to open up a credit card, because she has never worked a full time job in her life. I have proof that all of the monies in my account are checks for me, and only me. My wife 's name is XXXX XXXX, and my name is XXXX XXXX. We are already facing hardship, and this will make it worse, as I will not be able to go to work or feed my family and ill wife.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: MO
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've reported to the major credit reporting agencies that my identity was compromised and without any physical documentation in which was requested they still mis reporting these unauthorized fraudulent accounts on my credit file. I'm requesting that these accounts are removed immediately and blocked from my files. These accounts shall be removed. 

1. XXXX XXXX {$580.00} 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. Dept of ED/ XXXX {$3800.00} 8. Dept of ED/XXXX {$3700.00} 9. Dept of ED/ XXXX {$2200.00} 10. Dept of ED/ XXXX {$1800.00}

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 explanation
Consumer complaint received 2021-06-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
on todays date I obtained a report from Chex Systems. I found multiple violations including 15usc 6802 subsections ( a ) and ( b ) which prohibits the disclosure of my non public personal information without my consent!. I Am A CONSUMER FEDERALLY PROTECTED BY THESE LAWS AND IT IS ILLEGAL to report these to anybody without my 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 2016-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I made an ACH debit card purchase with my XXXX Debit card which is directly tied to my Bank of America checking account. Of that original purchase of approx {$300.00}, I returned a jacket valued at approx {$70.00}. I waited several weeks for the refund of {$70.00} to post back into my checking account at Bank of America. I contacted XXXX and they insisted they posted the return. I submitted a claim to Bank of America for the refund amount of {$70.00} due to returning a jacket. After their 30 days of research and me faxing in receipts etc they denied the claim. I called back and again explained that I only returned XXXX item of {$70.00} out of the original purchase of approx {$300.00}. They have escalated the claim and assure me I will receive my refund. On XXXX XXXX I again used my ACH XXXX debit card tied to my Bank of America account for an original purchase of {$120.00}. I then returned approximately {$22.00} of that original purchase. Again the refund of my returned item did not go back into my checking account so I have filed yet another claim with Bank of America to try and get my rightful money refunded. My concern is that this keeps reoccurring and I can not be the only XXXX debit and Bank of America debit card holder this is happening to. If consumers do n't reconcile their purchase and return receipts, Bank of America is just stealing this money and not returning it to its rightful consumers. This could be a huge class action lawsuit and this process need to to highlighted and stopped!

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