BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2022-11-03
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2018-10-23
Company: UNITED STUDENT LOAN SOLUTIONS
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Re : US Dept OF ED/XXXX/XXXX Dear US DEPT OF ED/XXXX/XXXX, I have never received any written correspondence from this company. US Dept OF Ed/XXXX added a collections to my credit reports with XXXX, XXXX, and XXXX   which results from crime ( s ) that have taken place. This is invalid. I didn't received any services, goods, or loans from the original creditor. However, I am still held responsible for this debt. That is a violation of THE FAIR DEBT COLLECTIONS ACT by adding a collection ( s ) to my credit reports without my knowledge. It is also a violation of the FAIR CREDIT REPORTING ACT by reporting inaccurate information to data furnishers XXXX, XXXX, and XXXX. You were froward copies of an FTC Identity theft report and a sworn copy of an identity affidavit explicitly stating that I am a victim of a identity theft. Still you fail to comply with laws you are legally binded to adhere to. This inaccurate information is still being reported on the credit reports. It would greatly appreciated if you deleted these accounts. 

Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Bank XXXX XXXX, XXXX XXXX XXXXXXXX, 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 a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 2023-03-03
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On yesterday I was informed by Wells Fargo that my residence is scheduled for sale on XX/XX/2023. And the only way I found out was by way of me calling Wells Fargo out of curiosity. Wells Fargo has discriminated against me because of my race and XXXX. And theyve denied me the right of a loan modification and refinance. Currently Im permanently XXXX and theyre violating my civil rights as a XXXX person with XXXX. Then they cover up for criminal fraudulent activities by XXXX XXXX to who doesnt live @ this residence XXXX XXXX XXXX XXXX XXXX Pa XXXX. But yet they still call XXXX XXXX XXXX for him. Wells Fargo also failed to acknowledge the death of my late Mother XXXX XXXX which now makes me 50 % owner and the {$18000.00} Refinance Check that was forged in my name by 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 2022-11-03
Company: ID Analytics, 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: Personal information incorrect

Complaint:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: CBC Companies, 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: Personal information incorrect

Complaint:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
USAA has a fee problem. They inundate clients with fees and provide no help with getting them waived. I am moving my baking to a company that doesnt charge fees. I have gotten 15 nsf fees since 2022 started. That is XXXX dollars. That is so excessive for someone who is working hard and trying to make ends meet. I know I cant be the only person to be negatively impacted this way. With banks like XXXX no longer charging those kinds of fees USAA is charging fees on a criminal level. I am severely disappointed at this and at the lack of service when trying to get some help. I was instead told I needed to dispute charges with companies I do business with in order to get the fees looked at. I have multiple products and pay quite a bit of money in premiums to this company over 8 years. To get such a lack of accommodation is truly terrible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian continues to knowingly and willfully report innacurate account data and information that was found to be false from XXXX and deleted from the XXXX report. Experian failed to show written proof that I gave my written and verbal consent to the companies that sold and reported my private information and account data to their agency, after I wrote hand written letters to their company along with an FTC fraud report. Experian refused my request to immediately delete the unfair and innacurate info and instead continued to report the unfair and innacurate data which caused me to be denied access to credit which is my right as a consumer. This led to financial loss and missed opportunities to further my business and personal matters. Experian can not and has not shown proof of my consent to report negative account information as well as old addresses and incorrect legal names concerning me which are violations of my consumer rights.

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 2022-11-03
Company: National Consumer Telecom & Utilities Exchange, 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: Personal information incorrect

Complaint:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This complaint is regarding the close out of a lease and a new lease both with XXXX. 

On XX/XX/2018, my lease with XXXX should have ended once the dealership paid off remaining payments. In error, 2 payments were drafted from my checking account in the amount of {$290.00} on XX/XX/2018 and XX/XX/2018. 

I have made multiple calls to get this issue resolved. I have been told various amounts for refund due to me including {$890.00}, {$590.00} and {$290.00}. I have been promised a check arriving XXXX, XXXX XXXX refund, and emailed check ( call on XX/XX/2018 ). We all know that a check sent via email can not be negotiated. Whenever I call in, I need to start all over and get different info each time. I was told that not all calls are recorded. 

I emailed XXXX and received confirmation of receipt on XX/XX/2018. I received no response or resolution from this complaint. 

Today I called and was advised that one of the over payments was credited to my new lease. However I can not see that on a statement nor online. 

The last I was told told is that I am due a check in the amount of {$290.00}. No one is giving me accurate information on why an over payment has still not been refunded to me. XXXX XXXX is the supervisor that I spoke to today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: John C. Heath, Attorney at Law, PLLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I have been trying to cancel Lexington Law since XX/XX/ when I realized the payment was not what i discussed with customer service on the phone. I have paid a total of {$710.00} since with absolutely no luck in cancelling. 

Their online chat/text program does not work at all and I never receive a response. I have mailed a total of 8 signed letters to John C. Heath , Attorney at Law , PLLC, d/b/a Lexington Law Firm, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX with no response. I have also called customer service several times and they tell me the service is cancelled, however, i continue to be billed every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 attached an FTC report with fraudulent unauthorized inquiries

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 2023-11-23
Company: National Collection Systems, Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
national credit management dinged my credit for a fee from XXXXXXXX XXXX XXXX XXXX for like XXXX. this was not me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX is reporting old XXXX accounts with a XXXX balance to my XXXX and TransUnion credit reports that should have been removed after loan rehabilitation was completed on the accounts in XXXX of last year. These listing are also reported to the credit bureaus as duplicate accounts often, which significantly negatively impact my credit score and prevent me from renting a home for shelter and opening new lines of credit.

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 2018-08-14
Company: AES/PHEAA
State: PA
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:
I filed a complaint on XX/XX/2018 ( complaint number XXXX ). The number of qualifying payments were counted and the case was closed. Per review of my complaint, there should be 83 qualifying payments on loans 3 and 4 and 36 qualifying payments on loans 1 and 2.
I just received a " follow up '' call from XXXX  at XXXX XXXX employee ID number XXXX  Today stating my case has been reviewed and they determined that the " system reflects the correct number of payments and no changes are being made ''. I asked her to clarify because XXXX  id XXXX from XXXX XXXX and this complaint already said the number of qualifying payments should be 83 qualifying payments on loans 3 and 4 and 36 qualifying payments on loans 1 and 2.

XXXX  states that on XX/XX/2018, the case was reopened and that the number of qualifying payments on loan 1 and 2 were 36, loan sequence 3 has 49 qualifying payments and Loan sequence 4 has 82 qualifying payments.

I am refilling this complaint since XXXX XXXX   reopened the case and they disagree with the information the prior complaint response states. They are unable to tell me when they will be able to recount payments or give me an update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. The accounts below should be corrected : 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 2022-03-09
Company: CITIBANK, N.A.
State: NY
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:
Good day I made a purchase for several item which was never received when the company ( macy ) state that they ship my item in XXXX of 2021 the item was never delivered I called the company and they only replace the earrings but tge necklist was never replaced I keep calling macy resolve the problem and the send me an email in XXXX saying that they are on able to resolve my issue and I have to pay for the backlist I call again in XXXX XXXX and a new dispute was open and as of now they can not resolve the issue but they can report none payment to the credit department which is affecting my credit score and they are charging interested rate every month to the item total I pay the interest rate up to XXXX of last year then I just call and close my account last year because I got frustrated and Im getting XXXX  because I dont know how to resolve this

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 2022-08-09
Company: EQUIFAX, INC.
State: NC
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 XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 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 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

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 2022-03-09
Company: AMERIS BANCORP
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX my divorce was finalized and my ex-wife was awarded a vehicle in the agreement that she later in XXXX didn't want, stopped making payments on it and voluntary surrendered it even though both of our names were on the loan. There was over {$16000.00} still owed on the loan and now I'm being sued for the balance plus court fees and filing fees which is now around $ XXXX even though the vehicle was awarded to her in the divorce decree signed by the XXXX XXXX XXXX XXXX XXXX I had to seek legal council to represent me since the Ameris Bank, who is suing me, stated she could not be located or served, even though I gave them her home address, work address, phone number and new maiden name. Before I acquired representation in XXXX of XXXX I was getting calls every other day to rectify the debt saying they were going to sue, maybe even liquidate assets or contact my company and put a garnish on my wages even though the automobile that had the debt on it was awarded to her which includes all debt involved with the vehicle, its in the divorce decree. I am now in a holding pattern with my lawyers and the lawyers representing Ameris bank. This has negatively impacted my credit enormously and caused me significant stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been trying to withdraw money from an online savings account. I set up a transfer on the Banks website. I subsequently received an email stating that I need to to contact the bank for security reasons. A phone number was provided.

I have called the number numerous times prior. Each time I am on a phone hold for an hour or more. This occurred both during the business day and in the evening. I called the general customer service number of the bank and a merely transferred me to the same phone queue for security.

So, I have been completely unable to have access to my funds.

Company response to consumer: Closed with explanation