BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-03-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I Was cheated by your vice president branch manager wells fargo XXXX XXXX IDXXXX when I opened my account I was promised that I will be able to make transfer onlain. He promised me everything that I asked. He didnot tell me that I need SSN and US phone number. I told him that I live in XXXX and was not going To US again. I was cheated. I am not able make wire transfer or domestic transfer onlain. When I call them, they always promised me that call me back. But every time they cheated me. 
I am a XXXX and permanently live in XXXX and I am not able to vizit a bracnh. I submitted complain to Office of the Comptroller of the Currency My Confirmation Reference Number is : XXXX The OCC is an independent bureau of the U.S. Department of the Treasury.

I submitted complain to Consumer Financial Protection Bureau ( CFPB ), Confirmation Number XXXX. Ps I had already had problem with your bank and it was solved after complain and your bank even sent me a XXXX as gift.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
I received a 1099-C releasing me from the dept on a vehicle but the Experian credit bureau will not remove from my credit report. The amount shows {$11000.00} that's dated XX/XX/2022 from 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 2023-07-25
Company: EQUIFAX, INC.
State: NY
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy WESTERN FUND Account Number : 1731 Please remove it from my credit report.

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENXXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX FL XXXX XXXX, NY XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24
Company: Select Management Resources, LLC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I owe XXXX to XXXX XXXX  for a title loan. I took out a loan for XXXX I have been paying on for almost 2 years. I have paid almost XXXX for a XXXX loan. I valled in XX/XX/2018 to pay off the loan and they would not accept my payoff stating that i could not pay off over the phone however, i had been making payment for the last 2 years over the phone. XXXX XXXX has my correct address, phone number, sovial security number and drivers liscense however, they continuiously contact my family members and attempt to collect thos debt after i already tried to pay ot off. Just today at XXXX. They contacted my mother and father who are both elderly and fighting XXXX and attempted to get information about me from them even though they know exactly where i live and they have my contact phone number. They call me several times a day and send several text messages. I asked them to please stop calling my family and they stated that they would continue to call until the remIning amount of XXXX was paid. They have contacted both my daughters, my daughter in law and my mother asking for information evennthiugh i have been in contact with them via phone and text message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23
Company: DOAN SOLUTIONS
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX XXXX ( XXXX ) XXXX calls repeatedly about a " federal loan '' that is not pertaining to me at all. When I call them and tell them about it they will say I'll be put on the do not call list and not bother me, but then still call me every week and sometimes multiple times in a day ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Medical Data Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attempted to contact XXXX XXXX regarding three balances owed after medical insurance payments. I have unsuccessfully attempted to dispute this balance with the original creditor who was bought out by XXXX XXXX XXXX and referred me to their billing department. The representative advised me the debt was " sold '' to Medical Data Systems. I've been unsuccessful in disputing this amount with either of these companies who have refused to provide me with a direct department to contact at XXXX XXXX Hospital that I can dispute this balance. I sent a certified letter to XXXX requesting they validate my debt and received not only the billing information but, my diagnosis and related medical codes.

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 2023-08-19
Company: National Credit Systems,Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent the ocmpany a debt valdiation letter to verfiy the debt that they claim I owed and requested they stop the collection process. I sent the request certified. Amonth later Im still seing this debt on my credit report as it seems they have not ceased collection attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Thaxton Investment Corporation
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I submitted to do an application with Heights Finance at XXXX XXXX XXXX XXXX, WI. I submitted an application the beginning of XX/XX/2021. I submitted a credit application over the phone with the employee, had a hard inquiry done. After I submitted all my information and was told I would hear back soon, I got a phone call stating that because my husband is currently an active military member I was unable to have access to any loans. I disputed this as I am the spouse and applied just in my name, with my own income and capacity to be lent to. I was told that did not matter, if any member of my household is XXXX XXXX I would be unable to do a loan. I called back in XXXX seeking a loan because my husband was home from the XXXX and was no longer XXXX XXXX, but XXXX XXXX. I was told again we would be denied because he is in the XXXX XXXX XXXX  they are prohibited from lending to any military member. I disputed this then got a call later from them stating I could risk having my credit pulled but if it showed XXXX XXXX then I would be denied. I was 100 % denied in XXXX and prescreened in XXXX for being a military family. I work in lending at the largest loan lender in the US. I am aware of XXXX and laws and regulations. I was NOT denied due to my credit standings, budget, etc. 
In XXXX it was simply XXXX XXXX spouse, and in XXXX I never went through with an inquiry because I was prescreened that I would be denied if he was still active. They first tried to deny because he is XXXX XXXX. But I disputed. They had no real knowledge of any military terms but only they were told by their District Manager that any military member is automatically declined. I got the opinion Heights Finance does not train their employees well in lending laws. 
To the best of my knowledge this is not OK to deny simply because of XXXX XXXX status. Please investigate to prevent others from being denied opportunities they should be entitled to. I do not understand how a company can flat out deny a military family member access to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On the morning of XX/XX/19 I made a deposit of {$1000.00} into my personal checking account at the Wells Fargo Bank drive thru window located at XXXX XXXX XXXX XXXX PA XXXX. Upon returning to work I noticed an unauthorized withdrawal on my checking account in the amount of {$700.00}. I immediately contacted the teller at the bank XXXX XXXX XXXX XXXX She informed me that an error had occurred and the {$700.00} was withdrawn from my account in error. She informed me that it could take up to 10 days to have my money returned to me even though it was an unauthorized withdrawal which is absolutely ludicrous. But that " It shouldn't take that long ''. It's going on a week and I've been getting the run around from the branch teller manager XXXX and no response from the branch manager XXXX XXXX. I also contacted Wells Fargo customer service directly and they did nothing to correct unauthorized transaction and said I had to wait. 

This is stealing and unethical. XXXX XXXX XXXX XXXX XXXX and XXXX instructed me to file a prompt complaint with both the comptroller of the currency as well as the Consumer Financial Protection Bureau. They also said " A week is more than enough time to have returned MY money. 

Sincerely yours, 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 2023-07-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have requested numerous companies to remove reported accounts with information that are being reported as fraudulent accounts, wrong accounts, closed accounts, inaccurate account information, accounts not belonging to me, wrong dates and amounts, wrong name, wrong personal information, duplicate accounts, accounts that I never entered into a contract with the reporting company, numerous collection agencies that I do not have nor entered a contract with, accounts that have well surpassed the statue of limitations, etc from collection agencies and other companies/agencies that are submitting this information to XXXX, XXXX and XXXX... but they have refused and or denied my request and have not provided any information to me as to how it was investigated..they have not removed the false and erronious information on my credit reports violating provisions outlined in 15 USC 1962, 15 U.S. Code 1681, Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. These requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated. Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Texas Guaranteed
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loan was with XXXX, they got sued by the attorney general of massachusetts I was told by a letter sent to me that my loan was back with XXXX that has been closed since XX/XX/XXXX, then I got another letter later from XXXX XXXX saying they got my loan from XXXX   allowed by XXXX and that my payment from XXXX was transferred to XXXX XXXX, XXXX   was closed XX/XX/XXXX there has not been any payment to transfer from XXXX. Now XXXX XXXX want me to pay them. Amount pretty much the same since XX/XX/XXXX when I got the loan I dont know how much I have paid over time I feel they are in cohus with the type of business XXXX was doing How do I find out how much I have paid from XXXX that my account is closed with them since XX/XX/XXXX, to XXXX who got sued during the time they had my loan with them while the were in this trtouble.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Home Point Financial Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Sir/Madam : I had requested & was provided a FHA Partial Claim. I signed & had notarized, and returned the Claim as required. Home Point Financial then had it legitimately recorded by my County of residence in XX/XX/2020 ( see attached FHA Partial Claim PDF ) Now I am being told that Home Point Financial did not follow through with the Lien Holder, HUD and it's apparent they received no money in exchange for covering the 3 deferred payments I was granted. 

I was not informed of their reckless actions by Home Point Financial themselves, but by the new mortgage servicer, XXXX Mortgage, who was never informed by Home Point Financial of the recorded Partial Claim. 

Home Point Financial should either : A ) Request the Lien be removed by the XXXX County recorder, or B ) Follow through with what was already agreed to in writing & remit monies to the new Mortgage Servicer, XXXX Mortgage. 

I strongly believe this matter should be taken very seriously. Filing a Lien, even though it was requested by the borrower, and never finishing the process, yet having it recorded by the County as a legitimate Lien institutes fraud on their behalf. 

Please forward this complaint to their respective department for a quick resolution. 

Thank you in advance. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
Company: GreenSky, LLC
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We entered into a contract with a window company on XX/XX/2021. GreenSKy was the finance company they used. We were qualified and put a down payment of {$3600.00} on Green Sky account and {$4500.00} our XXXX rewards CC.

The remainder was to charged per contract upon 1 ) completion of job 2 ) full inspection with customer 3 ) formal consumer approval 100 % satisfaction per contract language. 

On XX/XX/2021 the final amount XXXX was charged to our Green Sky account. The job was not completed and as of today, XX/XX/2021 we have no windows. 

After numerous phone calls to the window company and also GreenSky that amount was finally credited back on XX/XX/2021. 

After this happened we did a lot of investigating, We contacted the XXXX  and XXXX and both have a file of complaints with this window company and also with GreenSky. 

After months of being told that the windows are not done and the manufacturer was behind, we contacted that manufacturer to find out that our windows had been done since the end of XXXX. They even sent us pictures of our windows sitting in their warehouse. The window company owed them money and they had many many orders basically being held hostage until they paid their debt. 

At this point both the XXXX  and XXXX sent a letter to the window company asking for our down payments back and out of the contract. He did not respond to them. We also disputed the down payments with both credit companies. 

GreenSky did take the {$3600.00} off. Our statement on XX/XX/2021 showed a XXXX balance at which time we closed our XXXX account and received a letter stating it was closed.. Today we were notified that they, GreenSky reopened our account, without our approval and put that amount back on stating that the window company had receipts showing the money they have spent on our windows.

Seven months since signing the contract we have no windows. We have been lied to, our money was taken without our approval. Our windows were also ordered incorrect and according to the manufacturer were reordered 5 weeks ago, they are still not made and in a cue according to time stamp.

We are GreenSky 's customer they have not defended us but backed the window company. We also know from the XXXX in Wisconsin we are not the only one Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Balance : {$23000.00}

Company response to consumer: Closed with explanation