BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-08
Company: COAST PROFESSIONAL INC
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In  1986 i atte nded   XXXX   XXXX   XXXX   in  XXXX  kansas. I applied for  XXXX  pail grants to be applied to my goverment student loans believe to be a ffel. I was approved for all grant. I compleated both modules  XXXX   XXXX   XXXX    and   XXXX   XXXX   XXXX   XXXX   Because of a problem in the financial aid department with an representative that defrauded or bused clients funds. I Never recived my pail grants. I never found out the out come of that except that the school closed down and no longer exists. Now the DOE is garnisheeing my checks for payment on those student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly statos that I have the right to privacy. 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. U.S.C 1666B : A creditor may not treat a payment on a credit card account under ar open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immadiately as you are in direct violation of several laws under The Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2017-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
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:
There is  a account reporting on my credit file from Portfolio Recovery Associates in the Amount of {$3500.00}. I have sent both Portfolio and the credit bureaus information requesting to validate this bill several times going back as far as approx a year. Portfolio responded by sending a 1 page copy of what appears to be the statement the the said account with my information. I have once been a victim of identify theft and refuse to be responsible to for something that has not been proven or validated to belong to me. I have requested documents that would show my signature or some form of verification of this debt. Portfolio has yet to do so but is still reporting this account on my file. I have written twice and the last time Portfolio Recovery states they consider this investigation to my validation closed. This debt has not been validated there fore should no t be appearing on my report unless they can do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Exeter Finance Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act, these accounts violated my rights as a tax payer. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written permission and instructions.

15 USC 1666B states that a creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for purpose.

Companies were contacted and refused to fix discrepancies due to dates being pass 2-years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive been trying to move this collection debt off my credit report for about a year now I continually keep calling and asking them to remove this, and also asking for any updates and nothing. also sent letters over to them and no response..

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 2022-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
At XXXX EST my mobile number received a text from XXXX that said : " Thanks for giving Capital One your mobile number. You XXXX get texts with important info about your account from XXXX or XXXX ( both these numbers were hyperlinks ). You also now have access to XXXX, your Capital One assistant. You can talk to XXXX by ending a text to XXXX ( hyperlink ). Reply HELP for more info. Reply STOP if you don't want to receive text messages from Capital One. Msg frequency varies. Msg & data rates may apply. 

I then called Capital One customer service number that I found via XXXX : XXXX. The first lady told me she had to transfer me when I told her about the text and possible fraud. The second representative I got, after I told him what was going on, insisted I provide my full SSN. I told him I was not comfortable with this since I have concersn about fraud. He then immediately told me he has to transfer me to another representative who can better handle my concern. The third representative asked for my first and last name then again asked for my full SSN. I again replied that due to being concerned about fraud I was not comfortable providing the full number and would not. He stated that the only way he could help me was if I provided the full number so I hung up. 

When I returned home I logged into my XXXX XXXX account to check for any new accounts opened in my name but found nothing. I believe this text message was a phishing attempt and that somehow the spoofed the Capital One customer service number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was online at the XXXX XXXX website. The site prompt me to put my personal information in so that it can get quotes from potential lenders who would be interested in funding me. The site also stated that there would only be XXXX soft inquiry on my credit report. On the Contrary, I ended up having all of these hard inquiries on my credit report from these various companies, Which I had no idea about. Plus, there where other accounts on my credit report that I didnt even knew where there! Unbelievable! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-16
Company: Brightfunders, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
This is regarding the property located at XXXX XXXX XXXX XXXX XXXX WA, XXXX. {$80000.00} in insurance proceeds being held by Lower LLC and now XXXX should have been dispersed to me when requested in the middle of XXXX. I have been waiting two months to receive the funds for a process that should have been completed within a week. For some context/background : This loan was previously with Lower, LLC and was transferred to XXXX, XXXX XXXX. I had a burst pipe in XXXX at the house which required extensive repairs and mitigation. My insurance company ( XXXX ) wrote a check to myself and lower LLC back in XXXX. Lower then dispersed $ XXXX to me to begin the project. The project was completed in early XXXX and I paid for all remaining repairs out of pocket. I ordered an inspection through Lower LLC at the beginning of XXXX. It took over two weeks to even get a response from an inspector who wasnt going to be in my area until the middle of XXXX. The inspector completed the inspection on XX/XX/XXXX evidencing the project was 100 % complete and sent that report to lower. I followed up with lower a few days later to inquire about my funds and was informed, they couldnt find the inspection. After speaking with a supervisor, they managed to find the inspection and were going to overnight me my funds. Nothing arrived so after a few days I called back to then be informed they also needed an updated adjusters report as well as lien waivers ( without my prompting I can only assume they would have done nothing ). Both were sent to lower the same day. Adjuster sent them an email directly on the same day as well. On XX/XX/XXXX, they had everything they needed to send me my funds. 13 days later my loan was sold to XXXX, still no funds sent to me. 

I now call provident and am informed that they do have my funds, but none of the accompanying documentation. I was told I should just continue to wait and eventually Lower will send over the documents and XXXX will process my payment. Obviously, that hasnt happened, and XXXX has not received the documents from lower. I have called lower LLC many times with no success of gathering the information required to have my funds disbursed to me. They no longer take phone calls. 
This has caused financial duress as they have held {$80000.00} in funds for over two months now in a process that should take less than a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to get the free annual credit report from all XXXX agencies yet was told I could only get XXXX scores, that credit scores were no longer given out unless I purchased : XXXX : Purchase Your One-time Credit Score What You Need to Know : There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used by your lender. Purchase a credit score for {$0.00} ( plus tax where applicable ) by clicking above. 

Experian : I had to request it via contact XXXX : no credit score offered unless I purchased Isnt the law set up so I can obtain my credit scores one time per year for free? 
Please investigate. 

thanks, 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 2023-08-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: Velocity Portfolio Group
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Loan taken out in my name in XXXX  that says I owe {$8400.00} from XXXX XXXX XXXX Ive never heard of and has been turned over to the debt collector Velocity Investments LLC has purchased. I feel all of this is identity theft

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 2018-10-24
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi, In regards to our phone conversation I am emailing to dispute the unfair collection of {$1400.00} from me by XXXX XXXX college through XXXX XXXX XXXX. 

In my defense, I asked XXXX online chat assistant to help me with information about available courses for a XXXX program through XXXX XXXX College XXXX XXXX. Later that day the system was not working ( their online registration link ). I tried to register and was unsuccessful then I called XXXX help desk and found a lady who offered to assist me. 

In the process of registration she disclosed to me that it would be expensive to take just courses if I was not going to complete XXXX XXXX program. This prompted me to WITHDRAW all the courses she helped me register for during the phone conversation ( someone yesterday on call told me that he was able to see that I withdrew from the courses ) You can see attached Pdf too shows that courses were dropped. 

Further, XXXX has claimed to be sending me emails and mails in regards to this courses of which I never received any information from OCC via email or mail or phone. I am not a student at XXXX. 

I think this is unfair treatment by the XXXX college to force me to pay for classes I have never attended and a school I have never been a student at! The online customer service from XXXX should deceist from creating prospective students account numbers and registering them on courses against their wish. 

I will appreciate your help. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: ALLY FINANCIAL INC.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have called and sent secure email messages via Ally Bank 's online savings account portal on at least 6 separate occasions over the past months requesting to provide me with interest earned for 3 specific intervals of time in 2022 for our joint tenant Ally Bank accounts/CD 's. Unlike other financial institutions, our Ally Bank 's online savings account does not allow us to determine interest paid for customized intervals of time other than what appears on their mid-monthly statements. In addition, Ally Bank has not responded to any of my email/phone queries requesting this same information for nearly one month now. Customers should not have to make repeated requests for very basic account information. Ally Bank has not provided the most basic level of customer service in regard to my repeated requests and is now totally ignoring me by not returning emails or phone calls. I wish to receive this information from Ally Bank as soon as possible.

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 2023-05-29
Company: Experian Information Solutions Inc.
State: NC
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:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX, XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I attempted to remove inaccurate addresses from my account however Experian will not allow them to be removed nor will they receive my dispute letter. I demand that these addresses be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have sent multiple certified letters to Transunion about inaccurate information on my credit report. They say I hav e 9 bankruptcies ( which I think is impossible ) and a multiple tax liens, but they say its " verified ''. I ask them to validation of these ( physical proof with my name and signatures ) and they just tell me its verified. I called them to today because now they are saying they have no records on me and then the same day I get a 500 page report with mine and a bunch of other people 's mixed together and it shows they multiple bankruptcies that are not mine. The supervisor was kind of shock with the 500 page report and said i have more than one credit file and he was confused why that was. I need this resolved and they just keep giving me the run around and playing dumb, i.e., we ca n't find your file ... we have it mixed with others ... you did n't give us enough information to verified your identity ... blah blah blah ( I sent them certified copies of my drivers license, social security card and utility bills but I still get the run around. Is n't this a major violation of fair credit act or something. My next move is to contact a lawyer which I want to avoid if at all possible so your my last result.

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 2022-12-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Tuesday, XX/XX/2022 I went into the local branch to initiate a domestic wire in the amount of {$71000.00}. On XX/XX/XXXX the local branch XXXX, XXXX XXXX, called requesting more info regarding the recipient. I provided her the info requested over the phone. It is now XX/XX/XXXX and their XXXX dept still has not released the funds, nor have they requested more information. Wells Fargo is intentionally holding onto people 's money and using their XXXX employees as a valid reason to defraud consumers. These unjustifiable delays are well known in the industry ( I spoke to XXXX former XXXX employees that said this is a known issue for XXXX and the rest of the industry is well aware of their bad practices ). Wells Fargo is causing harm to consumers by delaying valid and credible transactions where no fraud or evidence of nefarious activities exist. These payments are often used to pay off loans and in the process are causing unnecessary and inexcusable late fees, additional daily interest fees, etc. that affect the individual consumer. I received a call today from XXXX XXXX ( XXXX XXXX XXXX over the branch that initiated my wire ) stating that he has tried to reach his XXXX XXXX for what possible explanation they have in holding up the wire and they have failed to respond even after internal escalation. He admitted to me over the phone that this is a known issue within Wells Fargo Bank that is knowingly causing significant financial harm to consumers.

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 2018-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am an identity theft victim, I had an account with XXXX XXXX deleted from my credit report in late XXXX, early XXXX. I recently discovered that the account has been added back to my credit report. In accordance with the requirements of the FCRA Transunion was supposed to notify me within 5 business days of reinsterting the account, but failed to do so. I demand the immediate removal of the account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation