BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-12
Company: EQUIFAX, INC.
State: NV
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 annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12
Company: Experian Information Solutions Inc.
State: NV
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:
Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete unauthorized inquiries made by 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 2019-08-12
Company: EQUIFAX, INC.
State: NV
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:
Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete unauthorized inquiries made by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: HOVG, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Violations of public policy have occurred in operation of this account. Information involving debt ( {$830.00} ) is being reported negatively and fradulently to three credit bureaus. There is no valid contract regarding account. Resolution of collections status reported to three credit bureaus is the only lawful resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Step 1 : What is this complaint about? 
Back in XXXX I transferred all my credits from XXXX college to XXXX XXXX, graduated in XXXX ; however, the school was shut down and no longer accredited. 

Step 2 : What type of problem are you having? 
I 've been to several job interviews and my degree is not accepted due to the accreditation. I 've been told the that my transcript and degree not accepted or recognized. I lost my job on XXXX XXXX, currently back in school pursuing another degree at a junior college. 

Step 3 : What happened? 
The Board of Education did not recognize XXXX-XXXX XXXX ; therefore, the grades/transcripts are not transferable and degree not recognized. 

Step 4 : What company is this complaint about? 
XXXX-XXXX XXXX, CA Step 5 : Who are the people involved? 
I currently owe money to XXXX ( Private Loan ) Total {$14000.00} and XXXX ( Department of Education ) Total {$39000.00}. My original loan was {$77.00} XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Remove CHAPTER XXXX BANKRUPTCY DISCHARGE : XXXX. This is not my bankruptcy, you've got the wrong person here.. The court itself do not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false 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 explanation
Consumer complaint received 2017-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 have notified Capital One Bank that they are inaccurately reporting that I was late XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX I received a notice that I had a new collection on my credit report. Not knowing anything about it I quickly looked up the company and reached directly out to them. They said it was an attempt to collect a debt for XXXX in the amount of {$280.00}. I told them I was unaware of any debt owed XXXX and that I closed my account with them in early XX/XX/XXXX paying any outstanding balances and that the account was closed paid in full. I also said that I didn't want a {$280.00} debt to create a collection on my account so that I was willing to pay it in full to remove it from my report. They said that it would be and so I paid the debt on XX/XX/XXXX, it reflected in their system on XX/XX/XXXX as being paid in full. I then waited until XX/XX/XXXX to check my report again, in which it showed the collection still on my report. I contacted RPM once again and inquired about the collection removal from my report at which time they said that the removal hadn't been processed and to give it until the end of the month to check my report. I waited until XX/XX/XXXX and the collection was still on my report so I called back. This time they told me point blank that the collection would not be removed so I asked to talk to a manager which then lead to be being put on hold for almost an hour and then hung up on or disconnected 3 times before I was finally able to talk to an account administrator. Up talking to them I asked them to verify when the initial notification of the collection was made, they said that the letter was mailed out on XX/XX/XXXX, the collection was listed on my credit reports on XX/XX/XXXX a full 3 weeks before any attempt at notification was made. I then asked where the letter was sent to and they could only provide me with the updated address I gave them XX/XX/XXXX during the phone call in which I paid the debt. When I explained to them that the letter never arrived and that they didn't have my current address on XX/XX/XXXX when they claimed to have sent out the letter they continued to say that it was not policy to remove any derogatory information once it is posted. I then proceeded to ask about the previous phone calls in which I was instructed by their agents that the information would be removed from my report, mainly the one from XX/XX/XXXX, they confirmed that they had talked to me on the prior dates but no information from those calls was available. Had any reasonable attempt been made by RPM or XXXX to collect this debt it would have been paid before being allowed to reflect as a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions Inc.
State: MS
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:
FIVE months ago, XXXX  and Experian BOTH claim that they verified the bankruptcy reporting on my credit report through XXXX XXXX, XXXX responded that they could not verify this information and DELETED it from their database. I sent all correspondence to XXXX  and Experian for them to delete this unverifiable information off my credit report via section 1681, however its been five months and they are not cooperating.

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 2019-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
ONCE AGAIN! XXXX IS FALSELY REPRTING XXXX CAPITAL ONE BANK ACCOUNTS AND XXXX XXXX   MARATHON AS ITEM INCLUDED IN BANKRUPTCY I HAVE DISPUTED XXXX TIMES WITHOUT CORRECTION ALL OTHERS DID A LONG TIME AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I requested a refund on my XXXX credit card of the value credited to my account due to a product refund. 

This was on XXXX. I was informed it would be XXXX  days. That was fine. It has now been almost XXXX. 

I contacted the company again and am informed that there is no record of my request and that I have to wait the XXXX days again. 

This is unacceptable, because I know that just like they can take money out of the connected account, they can also return to the account as part of the eft agreement.

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 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Derogatory accusations including ALLEGED INQUIRIES must be XXXX XXXX compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by CREDIT INFORMATION S , 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 2022-10-27
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2020-11-26
Company: EQUIFAX, INC.
State: KS
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:
Prior to XX/XX/2020 I requested an investigation into inaccurate, invalidated, unverifiable, and questionable items on my credit report. On XX/XX/2020 I made a complaint with the CFPB to help get an investigation. I am a victim of the Equifax Data Breach and would like to get my credit report back in order as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This agency Chex Systems refuse to follow the laws and release updating correct info on my credit file with their agency. Chex systems continues to discriminate against me on a personal matter from me having a XXXX XXXX XXXX acct. that was paid off some years ago. XXXX said they contact Chex systems years ago asking them to update that my debit was paid in full with XXXX XXXX XXXX. 
I have been in great not good ... GREAT! stranding with XXXX XXXX XXXX since XX/XX/2015. I do not know what chex system problem is but I need this discrimination against me to stop! 
XXXX XXXX XXXX tries to open me a checking acct and saw that these idiots chex systems still has a block on me nationally so I can not open any checking acct anywhere. I am so sick of this agency not having current update info. 








Chex Systems, Inc.Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN 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 2017-08-06
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent out a certfied HIPPA dispute letter with a mailing receipt to Franklin Collection Service , Inc. XXXX , MS. XXXX on XXXX XXXX, 2017 in regards to a alleged medical bill debt in the amount of {$2800.00}. By law they had up to 30 days to respond and I was told the company is saying they never received anything from me even though I have a copy of the day it was mailed off. This goes against the Fair Credit Reporting Act and violates my rights as a consumer. Below is a photo document of my mailing receipt to the company along with the date it was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I paid the balance on my CARE CREDIT account of {$38.00}. 
On XX/XX/XXXX I was informed that they have closed my account. 
I called and spoke to a Representative then to a Manager about the Closing of my account. Both told me that their electronic system periodically checks the credit status of the accounts. My account was deemed unfit, so it was closed. I explained that I have had this account for the past 4 years and have always paid my bill. I do admit that I had missed a payment but always paid the following month due to financial situations. I explained that I only use this card for my dog 's Vet bills. 
This action also has affected my Credit Score which I am trying to repair after some difficult years financially. 
I was told there is nothing that I could do to reinstate my 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 2020-09-01
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
XXXX : XXXX XXXX - credit line of {$130000.00} XXXX XXXX XXXX - agreement to make 180, prime rate payments of {$830.00}. 
Maturation XX/XX/XXXX, with a {$25000.00} balloon note. 
XXXX : The BANK CALLED ( unidentified, later ID REGIONS ) " We are going to have to raise your interest rate to 6.74 %. ". There were NO signed documents replacing the original XXXX XXXX  agreement giving REGIONS authority to collect for the loan. REGIONS could not produce the XXXX. XXXX  agreement. They were furnished a copy of the original from MY FILES. One specific remained ie : Loan number. Maturation CHANGED TO XX/XX/XXXX XXXX : REGIONS - In bank meeting - ... '' Balloon note is {$25000.00}. '' XXXX REGIONS - Title search, real estate mortgage, subordination to First Mortgage, NO balloon note, expected principal balance at maturation {$94000.00} XXXX REGIONS - New 15 yr, 4 %, principal has been paid down to XXXX 
PROBLEMS : # 1 - Line of credit originally ; # 2 Absolutely NO documentation of REGIONS loan. # 3 MANY SLEEPLESS NIGHTS AND WORRY

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 2017-08-06
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We honestly believe that Wells Fargo Bank is deliberately blocking the sale of our home which has been approved for short sale since XXXX XXXX, 2017. Our realtor, ( XXXX XXXX, XXXX in XXXX, XXXX. ) has received two qualified buyers but Wells Fargo delays and delays until both buyers backed out. We lost the last buyer this week. We believe that Wells Fargo would rather run us through a foreclosure or try to force us to pay the back owed payments to make us keep the house. My husband XXXX XXXX  had to retire for health reasons and we have moved to XXXX and bought another home. Our problem is that Wells Fargo keeps running us around and around doing the same paper work over and over and over. Then they insist something is missing and that they can not move forward until more paper work is done. Also they keep changing the person responsible for our account ; the last person assigned was XXXX XXXX at XXXX ext.XXXX who, like all the others has done nothing but delay. We need help. Any assistance would be greatly appreciated. We have done everything Wells Fargo asked us to do. They approved us for short sale and we can not get them to act in a timely manner. Your help would be greatly appreciated. The address of our old house is XXXX XXXX XXXX, XXXX, XXXX XXXX. Our current address is XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX. XXXX. Please call us at XXXX for more information.
Thank you, 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 2023-01-11
Company: PNC Bank N.A.
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: Account information incorrect

Complaint:
I was XXXX  and some one took out a {$20000.00} loan. I got proof that I was XXXX  at the time of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Direct Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Originally the loan was for XXXX, but it was removed due to a class action lawsuit. 

The fraudulent loans were reportedly issued by one bank, XXXX  XXXX XXXX XXXX XXXX, and three companies owned by XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX allegedly provided services to the XXXX XXXX XXXX XXXX and the XXXX  companies. Several other companies, referred to as XXXX, acted as investors for the loan scheme. 

All of the involved companies have denied wrongdoing and maintain that their installment loans and cash advances on lines of credit were all legal under tribal laws. However, the defendants have agreed to establish a settlement that will resolve the claims against them. 

Consumers are eligible for the settlement if they obtained any of the following : Loan ( s ) from XXXX XXXX before XX/XX/XXXX ; Loan ( s ) from XXXX XXXX XXXX ; XXXX XXXX ( s ) on a line of credit from XXXX  before XX/XX/XXXX ; or XXXX XXXX ( s ) from XXXX XXXX XXXX XXXX in Pennsylvania. 
The settlement will provide loan forgiveness for all covered loans. Class Members may also be eligible for a cash payment under the settlement. 

My loan was in year XXXX and qualified as one of the loans to be forgiven. The creditors removed the loan from my file, and I thought that was the end of it. But a collection company called. Direct Recovery Services ph : XXXX, XXXX has been calling both my phone numbers many time 's, saying I owe {$1200.00} which is false. I told them this loan was removed due to the information above and I requested XXXX from ( DRS ) to stop all contact with me. They still continue to call multiple times a day and night. Recieved call on XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX at XXXX, XXXX. 
I also have a recorded conversation from DRS, and informed them I was recording. I told them about the lawsuit, and my loan was forgiven under the lawsuit, and removed from my credit report since XXXX, they now are trying to force me to pay a loan I don't owe, and refuse to stop contacting me even after I told them multiple times. 

Their website is https : //www.directrecoveryservices.com

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