BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-23
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: Reporting company used your report improperly

Complaint:
Have filed disputes more than once about this very account I have yet to receive documents stating this my account and not just saying verified. Please remove this from my credit report at once. Fair credit act.

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 2020-09-09
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
on XX/XX/XXXX at approximately XXXX XXXX I received a call from a company that would not identify itself. The person informed me the call was being recorded and asked me to confirm myself and address. I asked them to identify themselves and they refused. They again asked me to confirm an address and I informed them I do not confirm information without knowing who was requesting the information. They terminated the call without responding. They called from XXXX At XXXX XXXX also on XX/XX/XXXX I received a second call from XXXX. After answering I was met with silence and I decided to wait for a response. There was no response for 9 minutes and I hung up the phone. 
A ) I find this to be a rude, deceptive and unfair act B ) Under the CARES ACT of XXXX ; On XXXX XXXX, XXXX, President Trump directed the Secretary to continue to suspend loan payments, stop collections,and waive interest on ED-held student loans until XX/XX/XXXX. This collection attempt is a violation of the federal Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Fenton & McGarvey Law Firm, P.S.C.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Never received correspondence from XXXX, XXXX XXXX? ( Thats what I recently learned it was called ), didnt receive correspondence from XXXX XXXX. I received no notice of anything until all of a sudden I received a letter from Fenton law firm asking for payments, I sent in a little here and there, not even two weeks later I receive a letter in the mail that I have a court date in XXXX and am being sued. I called Fenton to straighten it out and figure it out outside of court and made a {$50.00} payment on XX/XX/2017 because they said I had to to avoid going to court. I still have not received any sort of any information on this balance and why its there and where it came from and I dont understand why I had no option to dispute the debt, yet when it was time to send me letters from attorneys to sue, THATS when I began to receive correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
since XXXX, these companies have been pulling my credit putting hard inquiries on my credit without my authorization. 

According to my most recent credit report, the companies are currently reporting to the three credit bureaus that I had applied for credit with their organizations. I do not recall granting them authorization to review my credit report. If so, they should provide signed documents signed by me where i authorized them to do so. 

Otherwise, they have to remove it as soon as possible. 

These inquiries have affected my credit dramatically. since XXXX, i've been sending dispute letters to them through the bureaus ; i've contacted them by phone, but still they haven't taken any action. 

These companies have requested a copy of my report without my consent. 

These are the following UNAUTHORIZED AND INACCURATE credit inquiries ( Validation is needed ASAP ) : XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX   TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX  TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX   TANGIBLE PROOF NEEDED ASAP XX/XX/XXXXXXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX Credco TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Credco TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX   TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX. 

XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX  TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX  TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX.

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 2017-06-23
Company: EQUIFAX, 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:
i contacted a phone number because i wanted to get the first time home buyer grant they told me to call another number i did and they asked me for my id and ssn after that i received an email saying that they approved me for a home loan but nothing about the first time home buyer program they checked my credit score and my wife credit score without our authorization we are allready qualified with a lender i dont understand why this people pulled my credit if we didnt ask for the we wanted to get the grant for the money for first time home buyer they lie to us so i want to make a complaint if you can contact me in XXXX will be great

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions 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:
I am a victim of identity theft and did not make the charge. This account was deleted from my credit report a few years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2017-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XXXX XXXX, 2017 i sent two letters via certified mail to transunion explaining to them that i didnt authorize the inquiries that was showing on my credit report as of today XXXX XXXX, 2017 i havent received any communication from them regarding my letters and i was under the impression that the bureaus have exactly 30 to respond or they have to delete. So im writing in my complaint because i havent seen any deletions nor have they responded to my 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 2018-10-25
Company: WELLS FARGO & COMPANY
State: FL
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:
This is my 2nd complaint with the cfpb about Wells Fargo for the same issue. There was fraud on my account. I did not commit the fraud or benefit at all from the fraud. Wells Fargo continues to refuse to give me more information about the transactions that occurred in regards to the time/date so that I can better prove that I did not commit these transactions. Wells Fargo 's response has been continually as follows : After careful review of our records, our Fraud Department 's review of your claim was denied, and as such, you are responsible for this account and it's balance. The company ( Wells Fargo ) did not contact me at all in regards to the additional documentation that I have provided them through 5 appeals, 1 x cfpb claim, etc. They continually rubber stamp my complaint as denied. I do not have the ability nor know what I can do next, and need help. I was told specifically that because they initially marked my fraud case as " card stolen '' and that there was not a police report that they were denying the case. The police department told me that they do not take cases like this, since i'm not the party that lost the money. I was told that I had fraud protection on my account, and as such, I want the account balance to be waived. If you can provide me the time/date of the transactions, I can also submit additional information and proof of my own location at the time of the transactions to help prove that I was not party to those fraud transactions.

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 2017-06-23
Company: EQUIFAX, INC.
State: TN
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:
The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. XXXX - XXXX EQUIFAX - XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. TRANSUNION - 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 2018-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
My XXXX XXXX bankruptcy was discharged in XX/XX/XXXX, Transunion listed my bankrupt as filed. I disputed this information after my discharge and Transunion came back saying the information on my report is correct. Again in XX/XX/XXXX I disputed my bankruptcy with Transunion as reporting incorrectly and again they came back with the information on my report is accurate. Both XXXX and XXXX   within days of my chapter XXXX discharge reported my bankruptcy correctly.

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 2018-06-20
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Consultation has been harassing me about a debt with XXXX XXXX that I do not owe. I have made numerous attempts including speaking with customer service to resolve the issue. At no time have I signed a contract with XXXX XXXX. Diversified has not been any help with resolving the issues, neither are they able to provide me with any legal documentation holding me accountable for the bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have a XXXXXXXX XXXX XXXX Account opened in XX/XX/XXXX. I have been current with the loan and even refinanced said loan to a lower APR. Between XXXX / XXXX of XXXX I had an auto payment mailed on my behalf from XXXX XXXX XXXX. However, I was provided with the wrong mailing zip code and payment was returned. I subsequently called XXXXXXXX XXXX  to confirm receipt of my payment and was given the correct mailing zip code. I had XXXX XXXX XXXX resend the payment over. XXXX XXXX XXXX is reporting this payment as a late payment even though the initial payment was sent on time but returned due to a wrong mailing zip code I was provided with when I called to request for a mailing address to send in my payment. This solitary late payment has greatly impacted my FICO credit score ( dropping over 86 points ). I am requesting XXXX XXXX XXXX to correct this error as I have been a loyal customer for over 3 years and have many products ( Bank Account, Credit Card, Auto loan, etc. ) with them. I have never had a late payment on my previous loan prior to refinancing it and I have never had a late payment since this mailing zip code mix up. please rectify this error on my credit report. Please look at the XXXX XXXX XXXX Screenshot. It shows that I originally sent the payment on time but for the error in the mailing zip code. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: U.S. BANCORP
State: AL
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 tried to dispute this account several times with this company and the response i get is this is a valid account, ,i have asked for this company to provide me a copy of the application showing my signature and i have also asked them to provide me with the method they used to verify my ldentity to open this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filed a compliant against First Federal Credit Control on XX/XX/XXXX and XX/XX/XXXX advising the following : Providing a bill/ statement is NOT a form of VALIDATION it is a form of VERIFICATION which is NOT what I requested. Verification means establishing truth and accuracy. Validation means to provided the legal proof of this truth and accuracy. Proof of validation includes leases, promissory notes, contracts with an original signature. I requested full documentation of the validity of the alleged debt with a contract bearing my signature. Which the collection agency still has not provided. Although the validation notice was sent on XX/XX/XXXX to the right address, however, the notice arrived in my mothers name, which technically I did not receive and also which is a VIOLATION OF HIPAA. The bill provided by the collection agency on XX/XX/XXXX also listed my mothers name as a patient and under the insurance information which is a VIOLATION OF HIPAA. The information presented by collection agency is inaccurate. I am not on my mothers insurance and my mother doesn't have medical insurance currently. The documentation provided violates my rights as a patient. The collection agency stated that their records are correct and accurate which is FALSE. My mother should not be listed on this account at all for any reason. My mother should also not be included in the bill/statement provided. ALL DOCUMENTATION PROVIDED IS INVALID AND INACCURATE. It is the responsibility of the collection agency to make sure that the information provided by the original creditor was indeed accurate and correct which includes the insurance information to which they have failed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
I have a Chase Auto Loan Account opened in XX/XX/XXXX. I have been current with the loan and even refinanced said loan to a lower APR. Between XXXX / XXXX of XXXX I had an auto payment mailed on my behalf from XXXX XXXX XXXX. However, I was provided with the wrong mailing zip code and payment was returned. I subsequently called Chase Auto to confirm receipt of my payment and was given the correct mailing zip code. I had XXXX XXXX XXXX resend the payment over. Chase Auto Finance is reporting this payment as a late payment even though the initial payment was sent on time but returned due to a wrong mailing zip code I was provided with when I called to request for a mailing address to send in my payment. This solitary late payment has greatly impacted my FICO credit score ( dropping over 86 points ). I am requesting Chase Auto Finance to correct this error as I have been a loyal customer for over 3 years and have many products ( Bank Account, Credit Card, Auto loan, etc. ) with them. I have never had a late payment on my previous loan prior to refinancing it and I have never had a late payment since this mailing zip code mix up. please rectify this error on my credit report. Please look at the XXXX XXXX XXXX Screenshot. It shows that I originally sent the payment on time but for the error in the mailing zip code. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Navient Solutions, LLC.
State: VA
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:
In XXXX of 2017 I paid off one of my student loans being serviced by Navient. They finally logged the payoff on XXXX XXXX, 2017. Then today, XXXX XXXX, 2017 they tried to claim that I had overdue interest on the account. I called the customer service and had to argue with them multiple times that this money was not owed to them.
They say they will fix it after a lot of arguing, but I do not trust that they will. This company is very shady and is taking money from people that they are not owed. A full audit should be done.

Company response to consumer: Closed with explanation