BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The complaint is about the XXXX XXXX XXXX account reporting as an individual account when it shouldve been reported as authorized user because it was a corporate account. It is still being reported falsely. Its also being reported as in collections/charged off with a current late payment history which is also false reporting. This account should be deleted immediately.

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 2019-01-12
Company: Experian Information Solutions Inc.
State: MO
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:
These following accounts are not mines, one even shows as joint but still I do not have any knowledge of these. And according to the FCRA as a consumer I'm respectfully requesting physical documentation of such if not provided within a reasonable time, please block / remove the following accounts ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 ) 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 2018-06-15
Company: WESTERN UNION COMPANY, THE
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I did a wire transfer to my brother for {$25.00}. Within 30 minutes I had to cancel the transaction. I attempted to get a refund and the employee at the XXXX XXXX XXXX # XXXX  in XXXX, WV didn't know how to do the refund and kept getting an error. I got frustrated and left and went back 3 other times attempting to get the refund from Western Union. I made many phone calls and was still unable to resolve the issue and get the refund. I then requested a refund by check on XX/XX/XXXX. On XX/XX/XXXX I was issued a letter from Western Union because the address I gave was not the same as I gave on the original transaction because my address changed. I called on XX/XX/XXXX and spoke with XXXX and was told I had to send a notarized letter indicating my address had changed and had to include a photo ID and a check would be issued and I should receive it in another two weeks. The case number I was given was XXXX. I sent the information back to Western Union on XX/XX/XXXX. I called again todayXX/XX/XXXX and demanded to know when my refund would be issued. I spoke with XXXX who gave me a run around. I asked for a supervisor and was transferred to XXXX who also gave me a runaround so I told her to transfer me to her supervisor and after being left on hold for 45 minutes I hung up. I think it's ridiculous that they quickly take your money but you spend nearly a year trying to get your money back and still have not been able to get your money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is being filed against XXXX XXXX & XXXX debt who represent the creditor XXXX XXXX XXXX XXXX XXXX. I was a cosigner for my ex-husband 's student loan for XXXX College and he also attended XXXX College. He went to XXXX College for approximately 3 months then dropped out. He graduated with his XXXX XXXX XXXX from XXXX in XX/XX/XXXX. The paper I cosigned on was for XXXX that I know of for sure was for XXXX. We are currently divorced and in the divorce decree I am indemnified of any student loan debt. However, I have to sell my house and come to find out there is a XXXX dollar lien put on my property in XX/XX/XXXX by XXXX XXXX & XXXX I never signed or had any contact with the company prior to finding out about this lien. In XX/XX/XXXX they garnished my wages for a total of XXXX which was a surprise to me when I received my paycheck. Then, I contacted a lawyer who tried to get in touch with XXXX XXXX & XXXX when contacted no relevant information was given from the firm, and we tried to settle with a certain amount but XXXX XXXX XXXX XXXX would not settle for anything other than the XXXX there was never a reply back from the lawyer ( XXXX XXXX ) hired or XXXX XXXX XXXX XXXX. I realize this is happening due to the loans being put in default, however my exhusband is currently paying all student loans from XXXX and XXXX College in accordance with Federal Student Aid ( FSAID.gov ). I have never received a statement after my wages were garnished and the amount of the loan has never gone down due to my garnished wages and my exhusband paying them as well. After I contacted my lawyer XXXX XXXX my garnishment ceased with no apparent reason. This is causing a major problem in the sale of my house can you please investigate this current situation due to me being left in the dark.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: EQUIFAX, 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:
NOT A DUPLICATE COMPLAINT. This new complaint is in response to recent postal mail from Equifax ( dated XX/XX/XXXX and received by me on XX/XX/XXXX ) completely disregarding my 2nd dispute against the ILLEGAL INQUIRIES still reporting in my credit file! All they say is, " The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' I have even called and spoken to extremely robotic, rude reps of theirs who repeat EXACTLY what's in the dispute report to me over the phone instead of using their brain and abiding by the law. One of them is rep with the ID XXXX who I spoke to on XX/XX/XXXX from about XXXX to XXXX. Whether I have complained here or spoken on the phone, Equifax has refused to do anything about the matter. Please tell me why and how Equifax reports this information, WHICH AFFECTS MY CREDIT SCORE, yet continues to wash their hands of any responsibility of this info they ILLEGALLY REPORT! The inquiries have NO PERMISSIBLE PURPOSE to be in my credit file : They aren't there as employment inquiries, court order inquiries, insurance inquiries, and they do not have firm offers of credit ( meaning, there are NO credit accounts in my file as a result of these inquiries )! As a consumer, I am allowed to dispute ALL info in my credit file ; yet, Equifax basically states that 'inquiries are facts that will just remain on your credit report unless YOU do OUR job of contacting the creditor. ' Violating consumer law, Equifax uses language that only suggests they investigate ( i.e. " results of our reinvestigation '' ), but they absolutely DO NOT INVESTIGATE AT ALL. Instead, Equifax has been using automated systems, like XXXX and going to 3rd PARTIES, like XXXX and XXXX XXXX XXXX ( XXXX ) in order to " verify '' inquiries. Then they lie and say that they " investigated '' and that there's nothing they can do about " factual inquiries '' that they ALLOW us to DISPUTE! (??? ) XXXX and 3rd parties are all extremely flawed systems and are never 100 % accurate. I have attached the ILLEGAL INQUIRIES I am disputing and the file includes my SS card and ID. PLEASE EXPEDITE THIS DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: EQUIFAX, INC.
State: MD
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:
EQUIFAX JUST DELETE THIS WRONG INFORMATION ON MY CREDIT FILE THAT U HAVE  FAIL TO CALL AND VERIFY ANY INFORMATION IS CORRECT. 

FUTHER MORE YOU ARE SUPPOSE TO PROVIDE ME PRROF AND YOU HAVEN'T AND I BEEN WAITING FOR A LONG TIME ITS BEEN 85 DAYS SINCE I SENT U A LETTER AND YOU THREW MY LETTER IN THE TRASH AND OUT THE WINDOW.. 

THATS ALARMING FOR A COMPANY TO PROMOTE NEGATIVE BEHAVIOR AND INFORMATION ON MY CREDIT REPORT.. 

I HAVE ATTACHED SOME FILES THAT I HAVE SEND TO YOU ON XX/XX/XXXX. AND XX/XX/XXXX .. no response from Equifax at all .. 

JUST DO THE RIGHT THING AND DELETE THE INFORMATION MAKE SINCE U NEVER CALL OR EVEN GAVE name and number of the person I call I ask you several times and you told me no iam not telling u anything.. 

By law you are supooe to make sure my credit file is 100 % with zero error Well here some u forgot fix these  errors ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
During a dispute with Experian accounts are being reported over 7 years and they are pencil whipping dates.

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 2020-11-05
Company: WELLS FARGO & COMPANY
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I applied for a line of credit to finance my furniture. The products I received malfunctioned shortly thereafter, and I cancelled the order and returned the items. I no longer have an account, nor am I associated with this company in anyway.

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 2018-05-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have several serious issues 1the amount credit usage 2 payment history 3 amount of times late 4 balance of payment left 5 deragoatory marks or statements not true 6 inquiries hard 6 fraud alert 7 amount of credit limit

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 2021-07-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Date : XX/XX/XXXX Amount : {$150.00} Action : Booked a few nights a XXXX  ( XXXX XXXX XXXX XXXX XXXX & XXXX ex, XXXX, XXXX, GA XXXX ), checked in but the location did not seem safe so checked out within 5 minutes and cancelled booking with booking agency. They were to have refunded me but didn't have any luck with getting the money either and I'd received an e-mail to contact the merchant. Contacted and spoke with merchant and still never received the refund. Opened a dispute with the bank no luck, was told that he offered compelling evidence ( was never contacted to provide proof ). Opened another dispute with bank and was to have faxed the e-mail from booking agency but never got the chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: CURO Intermediate Holdings
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/18 from XXXX XXXX XXXX XXXX , XXXX. stating that I owed " Speedy Cash '' a debt in amount of {$890.00}. I've never heard of either company, never have or have had accounts with either. I called XXXX XXXX and discussed the matter with a representative who suggested that this was due to identity theft, and that I should contact the Federal Trade Commission. The debt is now listed in my credit report ( the XXXX XXXX representative indicated that it had been ). I did report this to the FTC, which referred me to here I believe it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: IL
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:
There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. Please take this matter very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: Navient Solutions, LLC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Because of the malicious, vindictive credit reporting of NAVIENT, this XXXX XXXX   XXXX XXXX XXXX has been caused to loose thousands of dollars. Additionally, NAVIENT, on the surface, appear to want the obligation paid twice, if not three times. 

THE COMPLAINT : CFPB is reporting to XXXX XXXX XXXX information that does not conform to known facts. The facts are these : 1. My son obtained Student Loans that went into default. 
2. Yes, I did co-sign one or more of the loans. 
3. NAVIENT has held collection authority.

4. All known loans in question have been released to XXXX.

5. XXXX has provided documentation for all interested parties ( XXXX XXXX, the three credit bureaus, XXXX XXXX, and now NAVIENT ) that all known student loans are being repaid under agreements recently ( 5 or 6 months ) made. 
6. NAVIENT adamantly REFUSE to correct their reporting in this manner to reflect the current status and their past role. 
7. NAVIENT know, knew, should have known, should have been advised, or should have sought out ability to correct their reporting system at the time XXXX reached an agreement with my son ; and, they lost ability to conduct any further collection activities, nor report anything other than the transfer to XXXX. 
8. NAVIENT continued, out of a vindictive want to impose pain and suffering to people under a guise of retained authority.

9. NAVIENT went as far as to convince others ( XXXX XXXX, all three credit bureaus, and XXXX XXXX, that me and my son was attempting to perpetrate credit fraud. 
10. NAVIENT continues to try and force collection ( by third parties, like XXXX ) through subliminal tactics of {$35000.00} when they are fully aware that the balance has been reduced to {$22000.00} as of XX/XX/XXXX. This may be categorized as a form of EXTORTION. 

THE PRAYER : CFPB will thoroughly investigate acts and actions of NAVIENT along the above charges, and compel them to correct all contemporary and future reports of this matter according to CFBB investigation results. Advise if Federal laws surrounding this kind of debt and debt reporting have been violated.

NOTE : NAVIENT was granted 48 hours to correct their reporting by U. S. Mail on XX/XX/XXXX. The smug remark made by the NAVIENT representative, and recorded by the XXXX XXXX representative is : It will take us four to six weeks. She did not seem to care that she was impeding a home purchase transaction. 

Support Docs : XXXX letter XX/XX/XXXX ; and, XXXX Student Loan Summary with six month payment history, XX/XX/XXXX NAVIENT XX/XX/XXXX update, XX/XX/XXXXXXXX  XXXX XXXX Review and Summary, XX/XX/XXXX Complaint to Credit Bureaus, XX/XX/XXXX Correspondence with XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX Guide to Navient Lawsuits,?? XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: NAVY FEDERAL CREDIT UNION
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
WHILE WORKING ON MY CREDIT CARD ACCOUNTS TO SEE THE MONIES THAT HAS BEEN SPENT I CAME ACCROSS XX/XX/12 XXXX XXXX XXXX CHARGE OF {$2600.00} A CHARGE I DID NOT HAVE ANY CONNECTION TO. I CALLED TO REPORT IT TO XXXX AT NAVY FEDERAL XXXX. XXXX I SPOKE WITH XXXX AT THE BANK AND SHE TOOK THE XXXX CLAIM SHE SAID IT WOULD TAKE ABOUT 90 DAYS TO RETURN MY MONEY AFTER THEY ARE FINISHED THE INVESTIGATION. I GAVE HER ALL THE INFORMATION I FOUND ON THE WEB ABOUT IT WAS A SCAM, AND THE PHONE NUMBER AND THE BUSINESS NEVER ANSWERS. SHE WAS NOT VERY NICE. SHE ASK ME WHY DID ID JUST FIND IT. I EXPLAINED I WAS SEARCHING FOR MONEY I HAD SPENT IN THE PAST 5-6-7- YEARS. 
I AM NOT ASKIING FOR ANYTHING BUT MY MONEY RETRUNED TO ME. 
THIS WAS A SCAM AND I WAS THE VICTIUM. I WANT MY MONEY CREDITED TO MY ACCOUNT. YES I MISSED THE CHARGE BUT IT IS STILL A FRAUD AND I WANT MY MONEY RETURNED TO MY CARD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Designed Receivable Solutions, Inc. is attempting to collect payment from me for two accounts identified by Designed Receivable Solutions, Inc. as being account number XXXX ( {$45.00} ) and account number XXXX ( {$50.00} ). I have previously written to Designed Receivable Solutions, Inc. to request verification and explanation of the amounts owed via Designed Receivable Solutions, Inc. providing me an explanation of what the charges are for, from where they originate, and what services were provided by an original creditor to substantiate the original charges. Designed Receivable Solutions, Inc. has so far completely failed to answer my request for explanation and has failed to provide me any documentation from an original creditor supporting the request for payment. Designed Receivable Solutions, Inc. is also adding a large amount of accumulating interest to the amounts it is requesting. I am not aware of any unpaid bills that I owe, and certainly hesitate to pay for charges I don't recognize and which have no supporting documents provided to me with request for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have a loan on the amount of {$17000.00} I have been making payments for {$480.00} per month for 19 months now and I still have an outstanding balance of {$16000.00}, my money has been going to only interest, if I keep on making this payments I will never pay off my car, advertising was very misleading and the sales process itself was not legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Experian Information Solutions Inc.
State: OK
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, ve have asked for information from Experian on these accounts by certified mail, now im asking thru this site, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX, unverified XXXX XXXX XXXX, XXXX, unverified XXXX XXXX, XXXX. XXXX, unverified XXXX XXXX XXXX XXXX XXXX, unverified You can upload thru this site all documents you have that verifies these accounts as listed

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 2021-07-14
Company: Experian Information Solutions Inc.
State: IL
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:
There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship.

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