BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: NC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; 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 non-monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Been over with well Fargo for over XXXX years And they been over charging me that long

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 2020-12-09
Company: Fidelity Properties Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Fidelity Properties , Inc. that included four medical bills for my daughter. Three of the charges were from after she turned XXXX, which I am not liable. The additional charge, from when she was a minor, would have been covered under insurance. I had previously spoken to the collection agency regarding these issues, possibly last year. I received an additional letter today and called them again. I spoke to XXXX XXXX, who stated that the information was already in the file from my previous phone call. However, they continue to pursue me for debt that I am not liable for and debt that should be returned to the original creditor for proper billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Hello. 
I am finding that Transunion is having a lag in their credit reporting especially when it comes to properly reporting the credit available, credit account information, and when disputed it took them over 3 weeks to review but it's an ongoing issue. I don't have these issues with XXXX  and XXXX. Somehow, these two companies are showing updated information and proper reporting with 2-5 Business days while Transunion is reporting 3 weeks later.

Please reach out to the organization to inquire about their reporting practices and how long does it take updated information. 

Thank you, 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 2018-04-09
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the past several months I have been receiving calls stating " This is Transworld Systems Inc., a debt collection agency, calling about a debt, any information provided can be used against you ... .... '' The calls never identify my by name or specify what the debt is. My credit score is over 800 and I have no outstanding debt that I am aware of. The calls all display the local ( XXXX  ) area code and when I block the number on my phone, I get another call in a couple days from a different number. I have over 15 blocked numbers for them stored in my phone at this time. The messages all say to " contact XXXX XXXX @ XXXX and refer to claim # XXXX. '' I am not about to answer or call a number which may be a phishing scam, since they have provided specific information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After depositing a check into my Wells Fargo account and making a withdrawal it froze my account and I had to wait on a check to be mailed out to me for my account balance it caused alot of hardship and issues over the wait.

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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 be advised, this is NOT a duplicate complaint. Since first reporting these violations to CFPB by TRANSUNION, TRANSUNION has reported new accounts in violation in the exact same manner of other accounts previously reported, however, CFPB has not responded nor has held any accountability for TRANSUNION for these violations. The following violations include : denying the consumer access to her consumer report and annual consumer report since reporting these violations back in XXXX and XXXX, as well as selling the consumers XXXX account information with full disclosures of the consumers NONPUBLIC PRIVATE INFORMATION such as : full consumer account numbers, balances, history, XXXX and more. I have together with counsel found over XXXX consumer reporting violations being reported by Transunion. Please be advised that the following notice has been obtain by legal counsel and will be used in accord with the severity of the offenses committed against the consumer and permitted by the bureau.

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 2022-06-17
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I made an agreement with Jefferson Capital on behalf of an unpaid debt to XXXX XXXX. The agreement was to be settled for half the debt and upon receiving the last payment, the debt would be considered paid in full. This company still reports to the creditors that I owe the rest of the debt, when I in fact do not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Auto Advantage Finance, LLC
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Been making payments for a year never late! Have been over charged for insurance that they said would be correct since the first payment they asked for proof of insurance on the vehicle. I provided it to them and they still are charging me an fee extra saying I dont have insurance? Now I made a payment on XX/XX/18 for the amount of XXXX and they said they didnt receive a payment. I proved threw the bank, several faxes and emails that they took the payment out of my account. But they said they didnt get it so they shut my car off till I make anouther payment. My bank told me to file a complaint cause the clearly took the money. I have made all payments with the same card for a yr no problem. But now they say no way to trace payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
USAA has illegally held my funds since before XX/XX/XXXX and will do so until XX/XX/XXXX its over {$5000.00} Ive executed every angle and every rep tells me a different story Then I speak to both the fraud department and I got a call back from the manager request this past Monday to tell me they were sorry and were going to expedite the closure of my account and send my check I call today to find out it was all XXXX  Ive called a record of 56 times I have driven 3 hours and waited in line for two hours just to get nowhere Im sick to my stomach in debt because of this Im about to lose everything because of USAA and their XXXX  I have no documents and no letters in the mail stating any of this I want my money because I need it now please help me My mother passed away yesterday I need my money for her funeral and I can prove everything I say and everything they have done and all the recorded conversations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: ALLY FINANCIAL INC.
State: OH
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:
I leased a XXXX XXXX XXXX through Ally. When my lease was up this past XXXX, I leased a XXXX XXXX XXXX XXXX through Ally. The dealership purchased the XXXX XXXX and paid it offbin full. Ally showed the payment for the month of XXXX as being over 30 days past the due date on the XXXX. That " late '' payment affected my credit score and dropped it significantly.

I don't know what to do to get my credit score back up. It went from XXXX in XXXX to XXXX last month

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
There is a Bankruptcy being reported on my credit report by Trans Union and XXXX that does not belong to me.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian failed to comply with the fair credit act laws put in place to prevent these issues from occurring I have no student loans I have zero student loans do your job and verify the information are remove it. You are XXXX and incompetent to do your job. You need to be ashamed of yourself for being worthless and having no meaning. 
This company refuses to remove inaccurate information based off of my XXXX and my XXXX the fact is clear as day XXXX with excellent credit and this company experience is jealous of my financial success and trying to financially hold me back from obtaining new Credit line and a new Credit as well as an increase on my credit card been done credit for the whole year of 2023 ongoing I want this company, financially held responsibly for their actions related towards not updating and following the fair credit act related to my Credit Report I asked the person did not finish my first dispute filed. I asked that they are fired and not allowed to work in the credit department for the rest of the life.

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 2023-12-05
Company: EdFinancial Services
State: CA
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:
I was initially assigned to XXXX XXXX XXXX for my student loan repayment during my time in graduate school. Due to the restructuring of the Student loan system, I was reassigned to XXXX XXXXXXXX, then ED Financial before finally being reassigned again to ED financial on XX/XX/. Then again to ED economic a third time. 

Interest rates restarted XX/XX/. 

I have had my additional student loan payments reversed and had to pay additional interest I would not have needed to pay due to payment reversals. 

The first occurrence occurred before student loan interest started to accrue. This happened on XX/XX/XXXX   when I made a payment of XXXX, a payment of reversal occurred for {$2000.00} the same day XX/XX/. 

Payment on XX/XX/XXXX   for {$8700.00} was made ad a payment reversal occurred on XX/XX/XXXX  for {$370.00}. 

I made my third final payment to pay off all of my student loan balance on XX/XX/XXXX   for {$1000.00}. It was entirely reversed on XX/XX/. As of XX/XX/2023 at XXXX XXXX, I currently have a total current balance of {$1000.00}. XXXX $ of interest that I have necessarily paid on top of interest accrued when my prior payments were made on XX/XX/2023. 


I have sent ED Financial a message on XX/XX/2023 due to the face they lacked a contact page or email for me to contact them in regards to this issue. I find it unacceptable that they selectively cause payment reversals, leading me to pay unnecessary interest when I make additional payments throughout the month to bring my principal balance down so I can reduce interest fees from accruing.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-28
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance Owed : {$1300.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$680.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$190.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 2021-07-25
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:
All 3 Credit Bureaus. Did not correct the inaccurate information on my account and request to remove closed 2 accounts. I have called to dispute the late payments on 4 of my credit cards accounts, which is not right in my report. No problem have been solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
To whom this may concern. I am writing a complaint in regards to loan care/Lakeview loan servicing. I have recently made updates to my insurance policy as of XX/XX/2023, which I have updated online for their request. It took them many days to even update the information. We told them that we paid for insurance out of pocket. Almost XXXX weeks later now we have found out that we are were not supposed to pay for our insurance out-of-pocket due to the type of loan we have. 
However, we have spoke to many people at loan care, but never told us this information. 
This is now causing a shortage in our escrow account from them paying the new insurance company {$1700.00} which we already paid!!! 
We have a surplus of money in our escrow account from changing insurance companies and we were requesting an escrow analysis of our account. Which has yet to be done XXXX weeks in. We are owed money from loan care, and we are owed money from our previous insurance and now current insurance company due to loan cares mistake. Its now XXXX and nothing has been done. 
We would like loan care to fix their mistakes and to do the escrow Analysis as they told us they were going to do. They said it only took XXXX to XXXX business days and now we are almost XXXX weeks in waiting on this information. please who do we need to talk to you to get this done? We are owed a refund and we would like this taken care of before the end of the year. 
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 2023-12-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 never applied for these cards. Only things Ive done is XXXX and 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 non-monetary relief
Consumer complaint received 2023-01-23
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX is the total amount of debt claimed to be owed to Midland credit for XXXX  XXXX. legal account collections number is XXXX on their website. On XXXX XXXX I entered a payment plan via their website after learning that they were suing me by searching my name on the county court website. I was told that they would dismiss lawsuit after I entered payment plan for old debt ( not verified ), and they still have not dismissed it although I have made payments on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-10-28
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After a couple of failed attempts I'm now Demanding that these accounts be blocked from my credit report in accordance to the literature within the FCRA or I'll have to file suit and start litigation and name your company as a co conspirator of the creditor inwhom is reporting un documented and unverified accounts in my name per credit reports .I 'm requesting that these accounts be removed immediately if you can not provide me with physical documentation and the method of verification used in your companies process. What is the name of your investigator and/ or employee, at what time and date and day did this take place. Also inwhom did your companies representative speak with, fax, emailed, etc. What physical documentation was provided and when did you provide me with such documentation as relating to me and the contracts with the creditors. If this is not afforded to me then again I'm Demanding that the following accounts be blocked/ removed from my report immediately. Accounts ... ( # 1 ) XXXX XXXX XXXX, ( # 2 ) XXXX XXXX XXXX {$5600.00}, ( # 3 ) XXXX XXXX {$2800.00}, ( # 4 ) XXXX XXXX XXXX XXXX {$1700.00}, ( # 5 ) XXXX XXXX XXXX {$0.00}, ( # 6 ) XXXX XXXX XXXX {$680.00}, ( # 7 ) XXXX XXXX XXXX   {$670.00}, ( # 8 ) XXXX {$630.00}, ( # 9 ) XXXX XXXX XXXX {$140.00}, ( # 10 ) XXXX {$72.00}, ( # 11 ) XXXX XXXX XXXX {$71.00}, ( # 12 ) XXXX XXXX {$960.00}, ( # 13 ) XXXX XXXX {$680.00}, ( # 14 ) XXXX XXXX XXXX {$0.00}, ( # 15 ) XXXX XXXX XXXX {$0.00}, ( # 16 ) XXXX XXXX XXXX {$30.00}. 

It is my understanding that per the Fair Credit Reporting Act this request must be given attention and completed within 30 days of your receipt.

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