BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-29
Company: Amsher Collection Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We had an account with XXXX for 14 years at one residence ( in Arizona ). We never missed a payment and had an impeccable credit rating with XXXX. Due to my wife 's father becoming ill we had to move to XXXX for XXXX year. We had XXXX at our residence in XXXX  ( XXXX XXXX XX/XX/XXXX ). We moved back to XXXX  in XX/XX/XXXXor employment reasons. In XXXX, we were advised to suspend our account ( no charge because we were excellent customers for 14 years ) and set up the service when we arrive in XXXX. Unfortunately, where we relocated in XXXX, XXXX was not available. We made a final payment to XXXX in XX/XX/XXXX and cancelled the account at that time. The equipment was returned in XX/XX/XXXX. We have the receipts to prove this from XXXX. XXXX did acknowledge the returned equipment. We started to receive bills stating we owed {$700.00}. I have been trying to speak with customer service representatives about this bill for over one year. This {$700.00} amount is now listed with a collection agency. My wife and I are trying to purchase a home, and this account is damaging my credit rating and ability to secure a loan. I have on record that I have communicated with three supervisors ( as well as their ID/Badge numbers ) about our situation. I can not get any answers or feedback about how we owe {$700.00} dollars. We never received an itemized bill with any charges. No charges should have been incurred as the account was suspended and then cancelled. One supervisor removed a {$66.00} charge immediately, stating this was not our fault. If this was done, how do we to owe {$700.00} dollars? I have been trying to communicate with XXXX for over one year. There is no justification to this charge. We never authorized these charges. When speaking with the supervisors all of them guaranteed to give us a return call ( about our situation ) within 5-10 business days. This has not happened. I was told to respond to an email as I was speaking with a supervisor to verify the correct email address. I did this while we were speaking on the phone. We have not received any information or resolutions about these charges. There was even a quote from a supervisor who stated the " back office '' would investigate and reply within 5-10 business days. I would welcome the opportunity to speak on the phone or communicate via email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 sent a letter regarding an inaccurate bankruptcy listed on my credit report. I have been going back and forth with the 3 major credit bureaus TRANSUNION, XX/XX/XXXX, XX/XX/XXXX for several months now. I have sent in an FTC report, a letter from the bankruptcy court stating they don't report this information, letter after letter, and the bankruptcy still has not been thoroughly investigated or verified. The credit bureaus stated that they have verified the bankruptcy with XXXX XXXX and XXXX XXXX sent me a letter stating the the bankruptcy has been deleted from their system because it didnt belong there in the first place. So the credit bureaus are blantantly lying and not investigating anything and I would like this bankruptcy DELETED from my credit report IMMEDIATELY! I WILL FILE FOR LITIGATION DUE TO THE STRESS THIS IS CAUSING. MY INFORMATION WAS ALSO IMPACTED BY THE XX/XX/XXXX DATA BREACH AND MAY HAVE GOTTEN INTO THE HANDS OF THE WRONG PERSON.

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 2021-11-10
Company: CORELOGIC INC
State: VA
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 noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX  XX/XX/XXXX {$2300.00} Hard Inquiries Credco XX/XX/XXXX N/A

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 2018-01-27
Company: DISCOVER BANK
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: Problem with personal statement of dispute

Complaint:
I have a credit card with Discover for the past few years, i set up auto pay on the account a few months after getting this credit card. The monthly payment been coming out of the account for years. In XX/XX/XXXX i checked my account online ( I have online banking with this account ) and the website stated that i owed XXXX dollar plus XXXX late fee. I called the credit card company and i was told " the company was not able to get the money from the bank for XX/XX/XXXX '' i gave the customer service a new account ( XXXX XXXX )  and i was told that the payment went through. At that time i set up account alert. A few days after making this payment i got an email stating that i owed 2 months payment. I immediately though that is not accurate because i paged for XX/XX/XXXX, XX/XX/XXXX and also set up auto pay with the new XXXX XXXX account. I called customer service again and after the agent repeat the information the routing number she has was not correct. I repeated the check information and a payment of XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. A few days after i checked my credit and i saw a late payment on my credit history, from Discover card, which i know was put on my account recently, i check my credit score twice per week. Because of this company my credit score drop from XXXX to XXXX. No one from the credit card company have ever call me, or send me an email to notify me that the payment did no go through. Back in XX/XX/XXXX if i have never checked my account, at this time and date i would have owed three months payment and no one from the company would call or email me about this situation. After being aware of the problem i called many times to make sure everything was corrected and no one notify me about the problem. But, yet the company is quick to report me stating that i made a late payment. I have auto pay and all my credit cards therefore, each month each credit cards get a payment. And to see this late payment on my credit i am very dissatisfied with this credit card company service. Now i do understand when many people tell me about their experience with these credit companies, and why they top paying there credit card bills. You try to do the right things and you still get yourself in trouble. And they don't care about there customer. If this issue is not solve i am going to sue this credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Experian Information Solutions Inc.
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:
Everhome who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the XXXX of 2017 all payment went through XXXX XXXX  as well they have a p.o.box that you remit payment and as you will see on my bank statement the payment constantly cleared on the XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XXXX or XXXX they held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistently look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.this was a bad mortgage and 95 % of the homes have gone into foreclosure because of the company who had completely wrong information. I have given them clear proof there information was incorrect for l years but especially 2017 in which it has taken over 3 months 90 days. i have correspondence with 7 different claims ofmy reporting, I have been forced to spend money that on obtaining an attorney. i have been a customer for 14 years and they will not give me a number to their attorney nor suppervisor.the must change my report and I am seeking damages and I want all of upper management and legal departments 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 2021-11-10
Company: PENTAGON FEDERAL CREDIT UNION
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I entered a consumer credit transaction in good faith on XX/XX/2021 and extended my credit via credit application online providing my Social security Credit card number issued by the Social Security Administration offices. After the transaction took place, a receipt of the transaction ( inquiry ) appeared on my consumer report that showed a transaction indeed took place. Penfed, in return, furnish an adverse action via pdf which is attached. I was denied even after extending my credit to Penfed Credit Union, which is my federal right under the Truth in Lending Act. PenFed Credit Union benefited from this transaction by receiving consideration or compensation for that transaction and I did not receive any benefit. Penfed is also in direct violation of 15 U.S.C 1961a ( 3 ) under the Equal Credit Opportunity Act because it doesn't mention I could be denied for extending creditor or even having to have a certain credit " score. '' It only mentions that I could be denied for insurance or employment. I, as an applicant, was in good faith exercising my right under the Consumer Protection Act and did NOT benefit from the transaction that took place. 


Application # XXXX If this issue is not resolved, I will have no there choice to seek litigation, file a complaint the NCUA and/or my Attorney General for the several violation of my federal rights as a federal protected consumer.

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 2018-01-27
Company: EQUIFAX, INC.
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:
XXXX who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the beginning of 2017 all payment went through XXXX XXXX as well they have a p.o.box that you remit payment and as you will see on my bank statement the payment constantly cleared on the XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XXXX or XXXX they held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistently look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.this was a bad mortgage and 95 % of the homes have gone into foreclosure because of the company who had completely wrong information. I have given them clear proof there information was incorrect for l years but especially 2017 in which it has taken over 3 months 90 days. i have correspondence with 7 different claims ofmy reporting, I have been forced to spend money that on obtaining an attorney. i have been a customer for 14 years and they will not give me a number to their attorney nor suppervisor.the must change my report and I am seeking damages and I want all of upper management and legal departments information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Was reviewing my wells fargo online accounts onXX/XX/21 and noticed my checking account was closed on XX/XX/21. I called the bank who couldn't say for sure but they think the account was closed for inactivity. I was told there resolution department would reach out to me which hasn't happened. My last transaction was XX/XX/21 but I believe the bank closed it so I wouldn't benefit from the free checking account which isn't being offered anymore. This is simply there way of forcing me to open a new checking account with a monthly fee.

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 2022-01-09
Company: EQUIFAX, INC.
State: IN
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:
Have court order stating these are not My debts. Have sent to all three age cues multiple times with them always saying its complete and accurate and will remain. Several accounts opened in Wisconsin under my name, with an identity theft report on my social security. They still allow these on my credit ; even though Ive never lived in Wisconsin, and have proved these are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX And XXXX of 2014 i asked for a Forbrence and was told that i got it but was stilll marked for late payment. which is still on my credit. The company is Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have an account with Wells Fargo. I made a fraud claim for a {$300.00} transaction from XX/XX/2021. I was given a claim number and told that the claim would be investigated and that I would be updated in 10 days. I have called multiple times since, and Wells Fargo says that they can not find the claim number. I have also not been updated by email or mail on my 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 2021-05-10
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, we reserved a unit that is offered through XXXX by XXXX XXXX XXXX. The XXXX listing said that a {$200.00} pet fee was required. That same day, we received an e-mail from a user identified as XXXX XXXX ( e-mail address XXXX ), asking for the {$200.00} pet fee via PayPal. We paid the fee using our PayPal account on XX/XX/XXXX. 

On XX/XX/XXXX, we received a request for another {$200.00} for a cleaning fee from a user identified as XXXX XXXX XXXX XXXX  ( e-mail address XXXX ). We grew suspicious, because the payment through XXXX included a cleaning fee and because this e-mail did not match the prior one. We did not pay the requested additional {$200.00} cleaning fee. Instead, we used the XXXX app to contact XXXX XXXX XXXX  and they said both requests were fraudulent. 

We informed PayPal that these requests were fraudulent, and requested that the XX/XX/XXXX payment of {$200.00} be refunded. PayPal declined our request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
I have Capital One bank account for few years, an recently i Have fraud on my Credit card. 
After replacing my old credit card with new one, Capital One falsely reported me as a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Southern Auto Finance Co
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 information incorrect

Complaint:
The company Safco has put incorrect information on my credit regarding a car loan that has negatively affected my credit report enabling me to get an apartment for over 2 years. The amount showing on my report is higher than balance of the loan at the time that they repossessed the car, because of this error I want this account and all records removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Tried to get my annual credit report from XXXX. XXXX   and XXXX worked fine but Experian is being difficult. I get the cryptic message " A condition exists that prevents Experian from being able to accept your request at this time. ''. Tried to call them but their infuriating automated system makes it impossible to get a human. Tried to sign up for their 'CreditWorks Basic ' to get some insight and no luck there either. Please help.

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 2021-11-10
Company: ENOVA INTERNATIONAL, INC.
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
today XXXX I made a {$12.00} payment when I logged into my account the balance was {$1400.00} after I paid the payment my balance jumped {$1400.00} an increase of {$10.00} that now I am going to have to pay interest on! 

I bet they have charged me several hundred dollars in extra interest screwing me!! 

How can a balance jump after a payment??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Last month I sent Transunion a letter informing them of unauthorized/fraudulent inquiries on my credit report. To this date Transunion has not removed the unauthorized/fraudulent inquiries that shows on my report. I have not given anyone listed on those hard inquiries permission to check into my credit report for any reason. Further, they have no proof, no contact info, no contract, no signature proving anything, yet they continue in their inaccurate reporting. If they do not remove these inaccuracies from my report I will have to ask you ( CFPB ) to fine them for their noncompliance of the FCRA, I will further file a complaint with the FTC, the attorney general 's office as well as the BBB. As I am entitled to a fair credit report just like anyone else. 
Thanks

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 2018-01-28
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was admitted into the hospital back in 2014 and a doctor who seen me while I was in the ICU kept sending me bills. I called up XXXX XXXX XXXX and gave them my insurance information again. My insurance paid the bill and XXXX XXXX XXXX placed me in collections. I called up the collection agency and they are saying that they have no record of the collection account. When they are the ones who are reporting the account on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation