BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: AES/PHEAA
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 submitted a SS # mixup dispute ( between my XXXX and my SS # ) with XXXX on a student loan with XXXX XXXX XX/XX/XXXX. They sent a copy to XXXX but XXXX wouldn't remove it. My sister called to follow up and they required addtional documentation which my XXXX uploaded on XX/XX/XXXX. We have been following up regularly and everytime we call, they say a few more days. They won't talk to me even if its my SS to follow up on the status. On XXXX they said XXXX days. On XX/XX/XXXX they said XXXX days. Yesterday they said a few more days. How long does this take! they have all the documents they need!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: CITIZENS FINANCIAL GROUP, INC.
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: Reporting company used your report improperly

Complaint:
I noticed a hard inquiry on both my XXXX XXXX credit reports XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSWORLD SYSTEMS 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: Information belongs to someone else

Complaint:
I dont know how many times i have to inform these companies that they have me missed up with someone else. I think someone has been using my information for their personal gain and i need my report cleared. ive called each company and asked for the original paperwork and neither was able to provide them and this was back on XXXX XXXX. 

Account Name : Transworld systems I Account Number : XXXX Account was opened : XX/XX/2020 Account Balance : {$140.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/2020 Account Balance : {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: T.S. Holdings
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt collection company is calling trying to collect a debt I do not owe. I have paid the company. The company actually owe me money. I have informed the debt collector of this and yet they still call. Today at dealt with a very nasty representative from this debt collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: AL
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:
On XXXX XXXX, I filed a dispute with this bureau about the unverified account XXXXXXXX XXXX Account number XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: BSI Financial Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have XXXX accounts which initially were with XXXX XXXX, but they unfortunately sold these to Servis One , Inc dba BSI Financial Services NMLS # XXXX : XXXX. Acct # XXXX is a XXXX XXXX loan that has been paid in full with proceeds from my XX/XX/XXXX refinance. BSI refuses to send my {$230.00} escrow balance refund as they want to withhold it for another 30 days before refunding it to me! Ive never had any lender do this when I owed my escrow balance after a payoff! 

XXXX. Acct # XXXX is an UNSECURED loan which they received a {$6700.00} payment via US Mail on XX/XX/XXXX, but refuse to apply it to my account. The balance was {$6600.00} as reflected on BSI XX/XX/XXXX statement, attached. BSI is clearly overpaid. They called today, XX/XX/XXXX, informing me my account is past due! After spending several hours on two calls today, I learned that they did not apply the {$6700.00} to my account because I didn't request a payoff amount!!! Ive never heard of this practice! Further, they want me to pay an additional {$170.00} for " release fees ''!! This is outrageous! They said they would return the check -- further delaying this payoff! The {$6700.00} check is currently sitting in their bank account collecting interest for themselves, Im sure. Very unethical not to apply the payment to my account since receipt of it on XX/XX/XXXX! This is an UNSECURED loan! There should be no recording and no XXXX involved, so absolutely no fees should be charged to pay off this loan! In fact, my lender never saw this unsecured loan on my credit report nor my title report -- they had no idea it existed! It was I who kept telling my new lender that I have TWO BSI accounts. When my new loan funded on XXXX XXXX, XXXX, my new lender immediately wired the payoff payment for Acct XXXX ( Title I loan ) which included NUMEROUS fees BSI charged to release that lienand as for this second UNSECURED loan, the {$6700.00} check was mailed since it is NOT a secured loan. 

BSI needs to be investigated for withholding payments, charging late fees, and all sorts of ridiculous unnecessary fees. I feel this institution is unfair, dishonest and unethical. I can't trust them. I have over a dozen creditors and many are paid via XXXX XXXX XXXX XXXX ( mailed checks ) and NONE of my creditors claim to receive my payment for almost a month since XX/XX/XXXX! Ive had to pay BSI late fees for several months on both of my accounts. Multiply that by the hundreds of thousands of customers BSI is doing this to and blaming the US Postal Service. Interesting how with the large {$6700.00} payment, they were able to receive it in just over a weekand not a monthas they have been claiming with my previous payments. BSI is now messing up my credit report and delaying my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
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: Credit inquiries on your report that you don't recognize

Complaint:
I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries ; XXXX XXXX  XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX/XXXX  Inquiry Date XX/XX/XXXX ; XXXX  XXXX  XXXX  Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  XXXX  Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; The following address needs to be removed : XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX : the following accounts : XXXX  XXXX  XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX  XXXX Balance Owed : {$1300.00} ;

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 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
For the last year and 1/2 I have been disputing incomplete bankruptcy reports on all three of the bureaus. Relative to in my frustrating I decided about a few months ago to take it up notch and dispute with the furnisher XXXX XXXX. With ease and appreciation, they remove the files without hesitation. They sent me a complete report of the investigation reflecting removal. Right along with a copy that I sent a copy of letter with court in questions stating they did not verify said entries to the bureaus. 
With frustrating the said they were verified after their investigation, ask for verified proof of such thing. Honestly with continue frustrating they gave me nothing at All. 
Further got document for XXXX XXXX update of my report where they could look on it, on top of that hard copy of the page stated THERE ARE NO BANKRUPTIES REPORTED. 
Sorry for my yelling for moment. they still did nothing. They totally still to refuse even a brief description on how they come to this conclusion. They get continue to make tell lies and commit fraud on my ACCOUNT. I have gotten continued amount of denied credit because of Bankruptcies that do not belong there.

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 2022-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX of this year I hired XXXX XXXX XXXX to embroider shirts for me in which they shipped back 38 % of my order damaged when their terms & conditions claim not to be responsible for UP TO 3 % of spoilage ( which is an industry standard ). When I confronted them via email I was offered a discount on my next order or a reproduction to replace the damaged batch while stating there are no guarantees itll come out correct. I didnt get what I paid for nor resolution so I filed a chargeback with Capital One on XX/XX/XXXX. Capital One didnt ask me for proof, just took my word & filed the case which I thought was efficient. However, on XX/XX/XXXX, they closed my case after receiving the bare minimum of a rebuttal from the merchant & never reached out for me to provide proof for my case. I then called them & set up an opportunity to prove that the claim was valid with XXXX pages of documents, emails & pictures ( which I still have & can provide ) on XX/XX/XXXX. I was sent a notification the next day via email stating that they cant help me & to settle with merchant who already didnt offer me anything which is why I went the route of a chargeback to begin with. Capital One has been a nightmare for the last past months. Not only do they not tell you when your APR is set to kick in so they can steal hundreds from you, but their customer service is apathetic towards helping resolve those issues as well as major issues protecting cardholders from getting swindled as I did here. Ive had XXXX XXXX for years & never had an issue with them. I opened this card to use as a business card but am looking to clear it up & close it ASAP & keep my business at XXXX where customers are actually valued & protected. In summary, CapitalOne is a fraudulent company disguised as a legitimate credit provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Experian Information Solutions Inc.
State: GA
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 been doing everything I could do to prevent the misuse of my personal information. I even placed a fraud alert on my credit report that was supposed to stop companies from running my credit. The credit bureaus apparently gave me the wrong information and they are not doing anything to protect my information. Someone still has access to my personal information and the companies are not calling me to verify that its me that is trying to obtain goods.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I just called CFPB via telephone ( XX/XX/XXXX approx. XXXXXXXX XXXX XXXX and spoke with a representative, who advised me to just pick any topic and then proceed with my complaint. None of the choices applied to my present concern ( s ). This complaint is in reference to the recent Wells Fargo {$3.00} XXXX settlement for various wrongdoings against their customers. Well, I was, unfortunately, a customer of theirs during the time period in question from XXXX through XXXX. I even filed a complaint with you against them back [ Visa account ] in XXXX ( case # XXXX ) for placing an unwarranted " LATE PAYMENT '' blemish on my credit report for 7 years, causing me all sorts of problems obtaining credit during that time span. And I also had a conventional mortgage with them as well ; both credit card and mortgage accounts fall under the eligibility mentioned in said settlement ramifications. 

But my concern is that I don't reside at any of the addresses that they last have for me ; and it's noted that some customers were notified and awarded monies per this settlement, yet I haven't received any form of contact as of yet.

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 2023-08-15
Company: Experian Information Solutions Inc.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2023-07-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I told the XXXX, XXXX, and Equifax to reinvestigate this alleged collection account : Account name : XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the High Balance, last verified, closed date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. So How n the hell is there a balance on a charged off account? According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I lost my phone, and there were unauthorized charges to my account, totaling to {$5500.00}. I called & reported it to Wells Fargo bank as soon as I noticed on XX/XX/XXXX & my claim was denied XX/XX/XXXX. No one ever called me from the claims department during of the investigation & they closed the claim.

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 2020-03-13
Company: Ascendium Education Group
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ascendium Education Group took over my student loans some time ago. I was not aware, but they have been accepting payments from me since XXXX and not reporting that information to the credit bureau. To make matters worse, I consolidated my loans with another servicer and they are now in good standing with that servicer but Ascendium has flat out refused to remove the negative information from my credit bureau report and it is costing me. They are reporting two loans in collections and charged off. Neither is true. They are actually falsifying information on my credit report. I want these two accounts removed from my credit report. I want the collection and charge off status removed because those are false statements. This has now become a housing crisis for me. The loan officer has suspended processing my application for a mortgage and I have to move by the end of XXXX as I already gave notice at my current home. I'm about to be homeless because of their falsified negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX I sent a letter to WAYPOINT RESOURCE GROUP XXXX XXXX  XXXX XXXX TX XXXX, I requested VALIDATION OF A DEBT they say is owed to them ... In response to my request they keep sending me bills which is not validtion of a debt. This is a third party collection agency I request they provide written documentation signed by me and them stating I the debt is mine and that I would pay the debt to them. Following below is the exact verbiage that was sent to them. Instead of sending me the signed documentation I asked for what I received was copies of bills which is not VALIDATION OF DEBT. I am requesting that WAYPOINT  cease all collections and remove themselves from all credit reporting agencies as I did not authorize the sell or use of my information for any purpose. Attached you will find verification of communication I sent to them also documentation they sent back to me. There is NO CONTRACT between me and this agency. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. Please attach copies of the following documents : 1 ) Agreement with your client that authorizes you to collect on this alleged debt. 2 ) Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 3 ) Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation