BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-14
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in XX/XX/2015, I initiated the XXXX XXXX Internet / TV / Phone connection for my home and I was promised a internet speed of 150-MBPS speed. 
XXXX installed the equipment and I never ever received the internet speed of 150 MBPS. ( Checked using internet speed checking utilities available online ). The max speed that I ever received that I measured was 70 or so MBPS. 
After numerous customer service phone calls and numerous techniques trips to home to fix the problem, XXXX was never able to provide me the internet speed of 150-MBPS. 
I had no other choice other than to cancel the connection. 
XXXX comes back to me saying that I still owe them money for internet services that were not provided to me as promised. Attached are last two monthly statements. 
XXXX sold this debt to a company called XXXX XXXX XXXX and this debt ( {$110.00} ) is being reflected on my credit history. 
I have contact the credit bureaus to remove this debt form my credit history and was un-success doing so. Need help to remove this debt from my credit history.

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 2018-06-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account status incorrect

Complaint:
account was included in BK account is being reported past due and with balance which is a violation under FCRA account is paid

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have old addresses that needs to be removed that doesnt correspond to my current address and I've attempted to reach out to the three burues to have these removed and no luck

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 2018-11-14
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I suffered a XXXX XXXX three years ago and was subsequently diagnosed with XXXX XXXX, XXXX   XXXX XXXX, and XXXX in my knees, I was unable to work and became eligible for Social Security.. Due to my various problems I have not been able to find employment. My first contact with Navient was to delay repayment through forbearance. However in paperwork from Navient I noticed that a student loan from XXXX XXXX was included in the amount owed. This was a student load PAID OFF years ago. I requested an accounting of my loans to determine what was causing this problem. I never recieved a reply only paperwork with " summaries '' of loans and not explanation. I was then directed toward income repayment and was directed to send my taxes to Navient. In the tax return was {$15000.00} in XXXX XXXX for. the support of my XXXX minor children. As such the amount was overstated. I have since been placed on forbearance several times and the amount that I owe has ballooned to {$230000.00} for a XXXX XXXX XXXX XXXX XXXX. I attempted to qualify for XXXX but can not find a doctor in the area to even begin the primary physician has refused. During this whole process it is almost impossible to find any assistance with dealing wih these issues. Navient appears to prefer only electronic communication and constantly steers people toward forbearance. 

I have several issues ; 1. I want an accounting of charges, particularly the XXXX XXXX XXXX from 40 years ago. 
2. The income driven aspect of my loan is incorrect due to the fact that I am on Social Security and some of my award is for my minor children. 

3. What does a person do when they apply for XXXX but are already on Social Security. How do they get a physician. Navient seems to suggest that all people get VA Assistance or Social Security XXXX. 

The entire Navient process is confusing and seems to be geared to limit the involvement of the student. I understand that Navient is a collection agency but the student is left with little ability to understand the complexity of Navient 's process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, 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 have reviewed my credit report, and there is information that I feel is incorrect. This information has been on my credit for a long time, and it should not be there. Please investigate and verify the following information. If these accounts can not be verified please delete them. Also, delete the incorrect address in my report and I did not authorize these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have reviewed my credit report, and there is information that I feel is incorrect. This information has been on my credit for a long time, and it should not be there. Please investigate and verify the following information. If these accounts can not be verified please delete them. Also, delete the incorrect address in my report and I did not authorize these inquiries.

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 2018-11-14
Company: Credit Service Company, INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to Credit Service Company requesting that they validate NOT verify a debt that they are attempting to collect from me in the amount of {$130.00}. I specifically asked for a signed and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

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 2020-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Experian Information Solutions Inc.
State: WV
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 have made experian aware of all the fraudulent/unauthorized activity on my file. I have mailed and uploaded in writing the 2 accounts on my file that should be removed due to identity theft. I included an FTC report specifying the 2 accounts ( XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX   XXXX XXXX XXXX XXXX # XXXX ) This isn't right! I have provided all required documents for experian to help with the identity theft and they have done nothing.

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 2021-07-07
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: Account information incorrect

Complaint:
On XX/XX/21 I filed a complaint through the XXXX  dispute center against XXXX regarding a settled account. On XX/XX/21, XXXX verified with XXXX  that the information reported is accurate stating the account balance is currently {$3800.00}. This is not correct as payment had been submitted to XXXX XXXX XXXX, working on behalf of XXXX XXXX  on XX/XX/21 to settle the account in full. Additionally, XXXX updated with XXXX  on XX/XX/21 that the account has been paid in settlement. 

XXXX refuses to report accurate information to the 3 credit bureaus and although documentation had been provided to XXXX  showing the account had been settled, XXXX  validated the inaccurate information reported and verified by XXXX XXXX. 

I have provided documentation of the conflicting dispute updates and the letter submitted by XXXX XXXX  acknowledging receipt of payment and settlement of the 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 2018-05-10
Company: United Collection Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OnXX/XX/2018 this debt for XXXX appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the 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 2021-06-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We put our house up for sale, had three weeks to go before closing.. while at the same time we were waiting for our sale to be completed our Mortgage company, Wells Fargo was foreclosing on our house. They called my wife 's phone on XX/XX/2019 ( XXXX ) XXXX ( approximately noonish ) where she handed the phone to me, ( XXXX XXXX XXXX ) and I gave them my lawyers name, number so they could communicate regarding the " sale ''. Attorney XXXX XXXX, XXXX of XXXX XXXX, NY ... upstairs from our Realtor XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, also of XXXX XXXX, NY. Our " Sale '' was never intended to go through. Also Wells Fargo lied about eliminating our escrow account, stating we were unable to remove the escrow because it was required by FHA, which is untrue as it was OUR decision to include it in our mortgage payment ( at that time we were able and willing to resolve the past due amount ) There was also a lien put on our house by the Master plumber that inspected our basement, on the Town of XXXX 's behalf ... It is not customary for an official working in his capacity of a government employee to do anything other than put a balance onto the tax bill ... not take a private lien out while doing his job representing a government entity. This enabled Wells Fargo to put off working with us ... to this day the only we can access our account with Wells Fargo is online, which they refuse to reset and allow access to. We've tried online, called the number for online assistance but to this day over two years later we can not access our online account with them. They continued to tell us that we can fill out all the paperwork online ... but it does us little good. All we've asked is that they put our current phone number into the system OR put back his email on the account like it had been so I can reset the password. 

I have audio recording of our calls to wells fargo, but the file is too big to upload ... 28 minutes of assorted calls and lies ...

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 2018-11-14
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I responded to a {$300.00} bonus promotion to open a checking account with M & T Bank. 

cash bonus offer for the MyChoice Premium Checking account found the following is stated for this promotion. Please note this information may be found on the promotional flyer as well : We will credit one {$300.00} bonus to the account ( " Premium Bonus '' ) for new accounts opened between XX/XX/2018 and XX/XX/2018 if the account receives at least {$10000.00} in total deposits and credits by XX/XX/2018 and if the average daily balance maintained in the account is at least {$10000.00} during your monthly service charge cycles ending in XX/XX/2018 and XX/XX/2018. The account must be in good standing at the time the Premium Bonus is to be credited. The Premium Bonus will be credited by XX/XX/2018. The Premium Bonus is reportable for tax purposes, is not available in all regions and is not available to employees of M & T Bank or any of its affiliates. This offer is nontransferable. A {$50.00} early close-out fee applies if the account is closed within 180 days of the date the account was opened. Primary signer on the new checking account may not be or have been a primary or secondary signer on any M & T personal checking account within the previous six months. Only one Premium Bonus will be awarded per customer. The Premium Bonus is not available to customers who have already received a bonus in connection with a personal M & T checking account within the preceding twelve-month period. 

I opened the account on or about XX/XX/2018 and transferred {$10000.00} to the account thereafter. My account service charge ending cycle of each month is XXXX or XXXX. 
After maintained the balance of {$10.00}, XXXX through the XXXX cycle, M & T bank has refused to credit {$300.00} to my account. Several of its representatives stated the cycle ends " XX/XX/2018, but it is not what the term states when I opened the account. 
I sent a request to M & T Bank ' CEO, but no response either.

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 monetary relief
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Inaccurate information being reported FTC, FCRA and FDCPA violations FTC attached

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 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Inaccurate information being reported FTC, FCRA and FDCPA violations FTC attached

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 2019-06-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company called Wakefield keeps putting this account back on my Credit Report once it's removed! I keep telling them that this account does not belong to me! This is a 3rd party collection agency! Who has 2 accounts from Wakefield {$730.00} and {$480.00} from XX/XX/2018!!! I also told them that am a victim of Identity theft! Can someone please look into this and get this removed off my Credit report as soon as possible? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: DISCOVER BANK
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
I have been comparing different private student loan options to help finance the rest of my XXXX ( XXXX ) program. The online advertising shows a fixed-rate APR range starting at 5.99 % for interest only in-school payments and 6.59 % for $ XXXX/mo fixed in-school payment and deferred payment. The website clearly states : " Private student loans are credit based. '' which is completely understandable. I have a 780+ credit score ( verified throughout the years as I have applied for various credit from credit cards to mortgages ). When applying for loans, I always get the lowest rate because I have excellent credit with no blemishes and a long history. 

When I applied today ( XX/XX/2018 ), one of the questions they asked was if I am full time or part time. I am a full time student. Then they asked my income and assets ( non-retirement and retirement ). Although I was confused why they needed this since I am full-time in school and not working, I gave them my income for the year ( my internship over the summer ) and my assets ( more than enough to cover the loan if I had to make withdrawals from my retirement ). Once they had my information and ran my credit, they told me my interest rate would be over 8 % APR for my {$44000.00} student loan! When I asked why, they kept saying that they factor my credit into the decision, but when pressed, the rep finally confessed that they consider current income! I'm a full-time graduate student ... I don't have a job. If I did, I wouldn't need student loans. When I graduate, I will be making more than enough to pay back the loans and may even have a job offer by next week for when I graduate. Job offers for future employment aren't considered though. Only current annual income.

There is no mention ( at least that I could find within hours of researching ) of needing income or proof of income to qualify or get the best interest rate. Clearly Discover is playing bait and switch. They wanted me to have a cosigner and then they would still only go down to as low as 7 % APR if I agreed to add a cosigner ( 1.01 % higher than the lowest advertised rate ). I doubt anyone can " qualify '' for their stated lowest rate of 5.99 %. This is false advertising! I cancelled the application without accepting funding.

I no longer want to do business with Discover and I will be sure to guide other students and professionals away from them for all products they offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Send money through Western Union on theXX/XX/XXXX to pay a bill but the company sent it back through Western Union and there were supposed to give me my money back that I paid the company in the amount of XXXX. It was settled on the XX/XX/XXXX and I was supposed to receive my money on the XX/XX/XXXXXXXX. Company refuses to give me my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
There weee many last year every month they took XXXX many times

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 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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