BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
State: IL
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 have previously disputed with XXXX, Experian and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Other problem getting your report or credit score

Complaint:
transunion suspended my online account for some reason and will not unlock it. tried calling and it looks like they blocked me from calling as well. i called about XXXX different numbers and still blocked. not sure whats going on

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hi there. I sent you a letter on XX/XX/2021 but I haven't received any letters from you. I am here at CFPBs website because I think that you have not been doing what you are supposed to do. I will keep on seeking help from government agencies or even hire an attorney if this matter doesn't get resolved.

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 2023-06-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have made numerous requests to have the addresses changed on all the accounts for my wife and I. The representatives have repeatedly neglected to make the address changes correctly that in turn has had statements and personal information exposed exposed to inaccurate addresses. I began calling customer service XX/XX/23 at XXXX am and was cold transferred to various XXXX where the address changes were unable to be completed in a timely nature because the online system would not recognize a new construction address. After 3 hours of being rerouted I was left with one last investment account address change where this request took over an hour totaling the entire experience to over 3 hours to change an address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Please see the prior compliant : XXXX XXXX. The bank is not able to find the data of why this is causing a hold on the account.

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 2018-12-13
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For about 6 weeks, we've been getting repeated robocalls from TransWorld Systems , Inc. saying we have an outstanding debt. We 100 % do not. This is absolutely a scam. The call is recorded and tells us to call another number, but we're not going to do that because we are 100 % certain we do not owe any money. I've tried to block some of the calls with my carrier, but they continue to pop up under different telephone numbers ( also a sign of a scam ), including : XXXX XXXX XXXX If we owed money we would have gotten notification in the mail. None has come. And a quick search online shows this company is especially egregious. Indeed, it looks like CFPB has tried to reign them in in the past, but clearly it hasn't worked : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Diversified Adjustment Service, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A collection agency called Diversified Adjustment Service , Inc. has been calling and leaving voicemails indicating that they are a collection agency. These are neither XXXX nor XXXX based voicemails. The 3rd party collection representative states outright that they are a debt collector. There is no pause to allow me to stop the voicemail, no mini-miranda and nothing to try to verify they are calling the correct consumer. I have been a debt collector for over a decade and I know that these multiple voicemails, of which I have saved two of, violate the FDCPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Maximus Education, LLC dba Aidvantage
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Aidvantage is not recording payments being made. I made a payment on XXXX of {$100.00} and the money was processed out of my XXXX bank account on XX/XX/XXXX while the company was still showing processing. I checked Aidvantage today, XX/XX/XXXX and the payment isn't showing as processing or received. The payment has disappeared and is not reflecting on my balance and yet the money is taken out of my bank account. I can not get ahold of a representative with the company to even check on this issue after being on hold for over half an hour., I received a payment confirmation when I first made the payment but I do not trust this company to follow through since the payment has fallen off their records. It is also clear this exact situation has happened to other Aidvantage customers. Interest is added daily on your principle and I believe this company is doing this on purpose to make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Self Financial Inc.
State: KS
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am reporting this company ( Self Inc ) because I just noticed on my credit reports that there is a fraudulent trade line from these people that I never opened. I have never even heard of this company, let alone did any business with them, but yet they have a negative and fraudulent trade line on my credit reports. Ive had a little issue in the past of fraudulent accounts being opened in my name, and Im 1000 % positive this is another one. I have contacted this business just under a week ago to give them an opportunity to rectify this situation, but to no availI want this fraudulent trade line removed from my credit reports ( XXXX, XXXX, & XXXX ) IMMEDIATELY! Or as advised by my attorney, litigation will commence against your company and subsidiaries as follows. This is a chance to make this right here and now. Remove the fraudulent trade lines. As Ive attached an Identity Theft Report As Well, so theee is no excuses.!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I hereby dispute the accuracy of the account information on my Wells Fargo Auto Finance closed account as of XX/XX/2023. I believe that certain refunds related to warranty, maintenance, and other services are missing from my account, which is in violation of federal statutes, including the Fair Credit Reporting Act ( FCRA ). 


In regards to the total loss of my vehicle, which was financed through Wells Fargo Auto Finance. As part of my financial arrangement, I had purchased ancillary products, including extended warranties and maintenance plans, which should have entitled me to refunds or adjustments in the event of a total loss, in accordance with federal laws and regulations. 


Upon reviewing my account, I have identified discrepancies and missing refunds for the following products and services : Extended Warranty : According to federal regulations, refunds for unused portions of extended warranties should be provided in the event of a total loss. However, I have not received any information or refunds related to the extended warranty on my vehicle. 


Maintenance Plan : Similarly, federal statutes require that unused maintenance plan services be refunded in the event of a total loss. I have not received any communication or refunds related to the maintenance plan I had purchased. 


GAP Insurance : Additionally, I had purchased GAP insurance through Wells Fargo Auto Finance to cover any deficiency between the insurance settlement and the outstanding loan balance. I would like a complete and detailed breakdown of the XXXX insurance coverage and its application in my case. 


I kindly request that Wells Fargo Auto Finance thoroughly investigate these discrepancies and provide me with a detailed account of any refunds or adjustments owed to me as a result of the total loss of my vehicle. 


Furthermore, I expect that any inaccuracies or omissions in my credit report pertaining to this matter will be promptly corrected in accordance with the FCRA. Please provide written confirmation of the actions taken to address these issues and ensure that my credit report accurately reflects the status of my account. 


I appreciate your prompt attention to this matter and expect a timely response within the legally required period of 30 days.

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 2019-10-04
Company: Risecredit, LLC
State: SC
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:
I have a hard inquiry dated XX/XX/2018 from : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX I never applied for credit with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX contacted Dovenmuehle Mortgage about a late payment in XX/XX/XXXX that should not have been there, the loan was transfered in XXXX with a letter dating XX/XX/XXXX that the loan was paid in full. Called in and was told they would have an answer in 10 days. Called back 10 business days later to be told that they have more time and the person that told me 10 days lied. Have not be able to get any other information from company on multiple calls, in the process of refi due to divorce and this is stopping my new loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

They are billing me for insurance from a company I requested a quote from, quote wasnt competitive and I stayed with my existing Insurance Company. Not sure how this company has come to collection on my credit. I wasnt notified by mail prior to the item entering my credit report. 

Company Fails to Remedy the Account and Continues Collection Efforts when the Account is not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX ruined my credit I was given a XXXX XXXX card by XXXX  XXXX by error. I supposed to get a XXXX Card not a XXXX  XXXX. The one they gave me had interest. The one that I was supposed to get had 0 interest for 15 months and gave you {$200.00} after you spend {$500.00} in 3 months. When I noticed the interest that they charged me, I reached out to XXXX XXXX and they said no problem they would fix it. I got disconnected and called back and then was told they would not. Now that I have put in my complaint, they have credited the interest and I cancelled the card and they told me to reapply for the card that I wanted from the beginning. 



It turns out that the XXXX XXXX card that I had closed several months ago with a XXXX balance had incurred interest after I closed the account. I spoke to a very nice lady at XXXX XXXX who said I'm sorry let me reverse the interest and I will send a letter to the credit bureaus and I will send you a letter saying that the account is a XXXX balance. In the mean time XXXX XXXX has turned me down because of the derogatory credit from the XXXX XXXX card that they neglected to tell me about neither by email or with a phone call. My XXXX credit score turned into a XXXX score and XXXX turned me down for the card that I was originally supposed to receive. 






Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: NRA Group, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received a validation letter via mail or electronically from this company.

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 2022-08-09
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
we took a cruise in XXXX XXXX i went to get on the boat and i was told that even though i was vaccinated my wife and i was going to have to take a covid test before we got on the boat. XXXX  employees led us to another room where we waited in line for this test that i was never told was required. i asked 3 employees if there was a charge for this service and no-one knew the answer. We took the test and got on the boat. the next day when i checked the balance on my card their was a XXXX XXXX test charge on my card. i immediately went to the ships service desk to complain about this charge. the showed me a form that had a signature on it that clearly was not my signature. i was never told of this charge nor did i sign any form agreeing to this charge. i disputed the charge with the credit card company and they credited me the XXXX back. i paid the balance that i charged and closed the account with a XXXX balance. now 2 months later they have decided to charge me the XXXX back on my closed account and charge me a XXXX late fee because they believed the form that had my forged signature on it that i agreed to the charge. once again i did not sign this form and i did not agree to this XXXX charge. it is clearly not my signature. and they charged the money back after i closed the account.

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 2023-01-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates , LLC have violated my Rights pursuant 12 CFR 1006.34 ( c ) and 15 USC 1692. I exercised specified remedy on XX/XX/2022 when I sent notice of debt validation via Certified Mail Receipt to the address on file for XXXX, XXXX 's disputes department. I did not receive a signed receipt back. However, I did notice that they did in fact received my letter and request for validation using USPS 's online tracking software. Shortly after, I received a letter stating that the debt is validated along with statements. XXXX, XXXX failed to provide all of the required documentation pursuant 12 CFR 1006.34 ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There is incorrect information on my credit report : 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 2018-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from XXXX XXXX XXXX. I have never heard of this bank or done business with this bank. This item is a result of fraud.

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