BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My Wells Fargo checking account ( ending in XXXX ) linked to XXXX was victim to a recovery scam for a total of XXXX USD. I was contacted by a spoofed utility number familiar with my name, service area and energy account, transferred through multiple individuals for hours, induced with sharing further sensitive information to initiate illegitimate transfers over XXXX on XXXX XX/XX/2022 to XXXX XXXX ( XXXX ) XXXX. The fraudulent transactions and compromising were reported to Wells Fargo and XXXX the same day while they were still showing as pending in the linked bank account. I am a long-time customer of this bank and have never had an issue with fraudulent activity until now, of which there is a clear record from the sequence and oddity in transactions to a recipient not registered prior, and likely discrepant IP data at the time of fraud. A representative agreed my account may have been compromised. The Wells Fargo claim exists under XXXX and XXXX, and as of XXXX XX/XX/XXXX was denied. I recently received copies of the documents used to decide their denial, without any record of response regarding inducement or connection to each other. I specified before a WF banking appointment ( XXXX ) on XXXX XXXX that I would like to discuss the fraudulent activity, only to have the subject entirely deferred during it. I have not heard from a XXXX representative. There is also an open police case for this incident, XXXX. In accord with clarifications made by CFPB and FDIC on Regulation E, this is induced fraud that qualifies for remedy of the consumers assets.

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 2015-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am complaining of harassing calls which I am sending to XXXX and department of Civil rights that BOA are calling my house even I had told them to stop calling. In addition, in the process of changing my number from BOA who proceeds to execute deceptive practices especially against XXXX and XXXX with abusive practices with credit services. BOA is not respecting my request to stop calling my house acting a nuisance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: HW Holding, Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I contacted Hunter Warfield and informed them that the debt was false and they never responded. I am currently going to court, the party that falsified this debt has tried to settle out of court ( which I declined due to them stealing my money ).

If Hunter Warfield doesn't comply, I will file a law suit against them next.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: LA
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:
Equifax/Equifax credit bureau is not reading my complaints and has added an reinvestigation on the wrong account. As stated in this article https : //www.consumerfinance.gov/about-us/newsroom/cfpb-releases-report-detailing-consumer-complaint-response-deficiencies-of-the-big-three-credit-bureaus/ Equifax/Equifax credit bureau is not reading the complaint and they are not correctly doing their duties. The account I wanted deleted was already deleted and I didnt add that account to the accounts that needed to be deleted/removed. They deleted XXXX XXXX xxxxxxxxxxxx XXXX already. I didnt asked them about the XXXX XXXX XXXX account that was just added to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have requested on XXXX occasions now that XXXX remove inaccurate information from my account regarding XXXX. XXXX has sent a letter confirming that it has requested the account to be deleted from my credit report however ; XXXX refuses to conduct a proper dispute. Letter is attached from 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 2022-10-20
Company: CCS Financial Services, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently checked my XXXX credit Report & noticed a fraudulent collection account posted within my consumer profile. I took the initiative to give XXXX a call about this Fraudulent collection account, I spoke to a representative named XXXX and he informed me it must be a mistake because I currently have XXXX Services and my current bill is up to date. In order to keep XXXX services your monthly bill must be on time to keep service. XXXX informed me to ignore the Collection company CCS COLLECTION which XXXX sold my personal information which I did not give the company to furnish a fraudulent collection account. XXXX aslo informed me that my name on this collection account doesn't match my name, which clearly indicates Fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: HYUNDAI CAPITAL AMERICA
State: OR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I tried to make my XXXX lease payment on XX/XX/XXXX and was unable to log on to the kia finance website because it would not load. I tried again on XX/XX/XXXX and again the site would not load even when I tried from multiple different devices to log on. Late on the evening of XX/XX/XXXX I was able to log on to the kia finance website and received the error message that I was unable to make a payment because the account had less than XXXX payments remaining. My lease is for 3 years and will mature on XX/XX/XXXX as shown on my lease agreement. I called kia finance on XX/XX/XXXX and was unable to speak to anyone and directed to an automated system that would not allow me to make a payment either. I have tried to log into my account every day and the kia finance site will not allow me to make a payment or set up future payments. I have called kia finance many times a day every day since XX/XX/XXXX and have been disconnected every time I make contact with an actual person. I am due for my XX/XX/XXXX payment and have no way to make a payment either via the website or phone because of an error on their part.

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 2017-02-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Willful non-compliance as per FDCPA 807 False or misleading representations 15 USC 1962e. I recently wrote to Experian concerning the reporting and verification of a BKXXXX from the US Court/XXXX Ca. I have firstly contacted the Court, which sent me a letter stating that they do not I repeat do not report any information to any of the XXXX XXXX 's. I also put a security freeze on the XXXX data mining companies that the CB 's use like XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX if you need them. 

I sent Experian a formal notice that their claim was being disputed and I was requesting verification, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " verification '' that is competent evidence bearing my signature, showing that ( I have or ever had ) .Bankruptcy. An Employee looking at their computer screen seeing my name listed in their database is NOT " verification or validation of any Bankruptcy. Verification according to XXXX Law Dictionary is " ... ... averment that the party pleading is ready to establish the truth of what he has set forth. '' Also it goes on to say " " The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true. '' The court said " Verification and Confirmation of the correctness, truth, or authenticity of a pleading, account or other paper by an affidavit, oath or deposition XXXX v XXXX XXXX, XXXX, XXXX, XXXX, XXXX. ; and XXXX v XXXX XXXX XXXX and XXXX v. XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX This is my argument concerning Experian verification process : Verification is sworn testimony. It can be testimony in a deposition or in a court or an affidavit. The only testimony that is admissible is testimony from a witness with First Hand Knowledge. " A county clerk does not have firsthand knowledge nor does anyone at the county recorder, nor does anyone at the credit bureaus if someone verifies but they does XXXX XXXX, XXXX, XXXX etc. The main public records source for the credit bureaus. If someone verifies but they do n't have firsthand knowledge then its not verification its Hearsay And hearsay is inadmissible and the court says its incompetent. The negative mark found on my credit reports including Experian, XXXX, XXXX So in conclusion if you can not truly validate and verification which they have now legally accomplished they should immediately deleted this from my credit file which has been detrimental to my livelihood and my credit score.

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 2016-10-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have XXXX accounts with XXXX that are over seven years old are are still being reported by the credit bureaus despite many protests.

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 2022-10-20
Company: Experian Information Solutions Inc.
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:
This company reported a debt on my credit report that does not belong to me. My personal information was compromised some time ago ( my car was broken into and my tax returns, checks and other personal information was stolen ) and my guess is that it may have been used to open this account, not sure. Absolutely NO information whatsoever has been sent to me about this debt in the mail, so I never had the opportunity to even dispute this with the company. No signed papers, no proof or anything has been sent to me. But yet this company was able to put something on my credit report?? This kind of stuff is malicious and harmful to consumers and the fact that a company can do this is insane.

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 2022-10-20
Company: Credit International Corporation
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notice of garnishment via mail less than a week before my pay started being garnished by my employer to satisfy the garnishment request they also received. 

This was the FIRST EVER NOTICE OF THIS DEBT I HAVE EVER RECEIVED! Prior to this I had ZERO notice of this debt or that it even existed, that I could dispute it, or anything. ZERO attempts have ever been made by the collector to contact me to notify me of the debt OR collect on it. 

Since they have completely failed their due diligence to even attempt to resolve or notify me of the debt, this was an unfair and illegal garnishment and has caused undue hardship on my household as I am also the sole income earner. 

When I was notified of the garnishment, I also received no grace period to address or dispute the debt before collection occurred via garnishment. I was prohibited access to or notice of my rights of this debt and all actions taken were in direct violation of FDCPA standard. 

This was an unfair attempt to illegally secure funds for an unknown debt with no attempts on the collectors part to even collect the debt prior, or notify me of it. 

I need 100 % of my $ returned and this debt removed and need this to be filed as a matter of public record that this collector directly violated my rights as an individual.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: NY
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: EQUIFAX, INC.
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Each time I dispute with Equifax I receive a generic response only after a few days of my dispute. Equifax stated that I did not list the account names, numbers, etc for my disputes. Well I have uploaded proof of my letters I mailed with the account numbers etc that match the information I pulled from my Equifax file. The only information I have is what 's provided on my report. So I do n't understand what other data would I have to include. Nobody has validated any of these negative items. Also Equifax is removing some of my inaccurate inquiries. But when I first disputed it they advised me that these inquiries were a factual record of file access. Each letter I send explains why I am disputing these transactions. I keep records of everything. It 's not nice for Equifax to practice dishonesty especially if they do n't know what documentation someone possesses. All I want is what is fair. After 2 letters Equifax has failed to validate not verify these items on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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: Public record information inaccurate

Complaint:
This is a formal complaint that Equifax, XXXX, & XXXX are reporting inaccurate and incomplete credit information. This a violation of FDCPA SECTION 808 UNFAIR PRACTICES & FDCPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
In Accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, XX/XX/2020 has violated my rights. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states consumer reporting agency can not furnish an 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 2016-12-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The item XXXX, Account number XXXX classified as an individual, utility company account was opened on XXXX/XXXX/2015 and maintained in good faith to be paid in full, every charge which was relayed to the XXXX residence. The date of delinquency first reported was XXXX. This is the same date as the final payment which was provided immediately upon notification of a delinquency in the amount of {$97.00}. The item XXXX is delinquent because, I changed the address on file from XXXX ADDRESS to NEW ADDRESS to which they failed to send notification of an outstanding balance. We received no correspondence indicating an outstanding balance before it was sent to a collection agency and reported to you. Upon notification from the collection agency of an outstanding balance to our new residence we paid the balance IMMEDIATELY in full, which was to include a late charge. Because of this administrative failure by the XXXX Company my family has a now tarnished perfect credit report history, which is to say we have never missed a payment of any kind. I request an investigation to be performed to include any position which might dispute my claim. I attempted to contact the XXXX management to view my previous account and was told that this function was not possible. I also tried to verify phone transcripts and was told this was also not possible. If no proof can be found which invalidates my claim OR if my since closed account payment transcripts are not available I respectfully request that pursuant under the Annotated Code of Maryland XXXX XXXXXXXX and under Common Law XXXX my credit report is updated by the item XXXX being removed from a delinquent position to accurately reflect this truth.

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 2016-08-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I like to report that I have a Student Loan in deferment and for some reason Experian is dropping my score I have it with XXXX XXXX Student Loan. XXXX XXXX is services my student loans. Their should n't be any reason my credit scores should be going down when they are in deferment. I have not disputed this with Experian because I just say this early this morning. I need to know why are they decreasing my credit score on student loans that are in deferment. Also, this is a XXXX XXXX and no credit decrease should be on the credit report because student loan should n't be reported as a increase or decrease in credit limit. Please pay close attention to the XXXX point drop in my credit score. For student loans that is in deferment.

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 2015-06-23
Company: Delbert Services
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
In XX/XX/2013 I took a loan from Western Sky. The interest rate I was offered was different once the loan was deposited to my account.  Immediately I contacted Western Sky who informed me that the loan was sold to XXXX. Later I took the dispute to XXXX who at the time couldn't resolved my issue. Ultimately, this illegal loan was sent to a collection agency by the name of Delbert Services. Delbert is currently reporting a charge off on my credit report. I have disputed by concerns with Delbert many time and they refuse to remove the Western Sky XXXX from my credit.  At present Delbert is still reporting, yet claim they have sold the loan XXXX (unable to locate this company).  This is an illegal loan, and Delbert refuses to remove this Western Sky loan from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
They constantly put my account in forebearance or deferent instead of telling me about the income driven program. Which I can have enrolled in years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Back in  XXXX   2016 m y monthly mortgage pa yment with Ocwen Loan Servicing wa s raised to a level that I could no longer affor d ( fr om {$3400.00} to {$3600.00} per month. ) I spoke with the bank about alternatives and they said that I needed to file for a loan modification. However, to even be considered to needed to late on my payments. So I stopped paying for 5 months, and applied for a loan modification. My loan modification was accepted and the monthly payment went from {$3600.00} up to {$4100.00}. I filed an appeal which was denied. This clearly is a payment I can not afford. Loan modifications should be reducing the payment not increasing it!

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