BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-25
Company: AES/PHEAA
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to dispute the following information in my file : <Item 1 : FEDLOAN, Federal college loan opened XX/XX/XXXX <Item 2 : US department of Education , College loan opened on XX/XX/XXXX. 

The items I have identified is <inaccurate/incomplete> because<reason for the issue including any supporting facts/evidence>. 
I am requesting that these items be <deleted / adjusted/removed from my credit history> in order adequately reflect my true credit history on the attached report. 
I am asking you to reexamine these items and <remove it from / correct it on> my file at your earliest convenience. I sent this letter via certified mail to ensure this matter is resolved within the required 30-day window.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
Dear XXXX XXXX, I am writing to request that my loan payments be reported to the credit bureau. 
I understand that the regular reporting of loan payments to the TransUnion and XXXX is a key factor in helping to build and maintain a good credit score. As such, I have been faithfully making my loan payments on time each month and would like to receive the credit benefits that come with having these payments reported. 

I have included my loan account information below for your convenience. 
XXXX Thank you for your time and I look forward to hearing from you. 

Sincerely, 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 2021-11-03
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Between XX/XX/2021 through XX/XX/2021, there were several charges at various gas stations, shopping centers and online purchases made without my knowledge and/or permission. My child, whom is now age XXXX took advantage of these " emergency accounts '' while being in remote learning and while I was XXXX ill. I was advised by Wells Fargo on and/or about XX/XX/2021 to go to a Wells Fargo bank by a claims specialist named " XXXX '' to go and show them my state identification card because my claim was placed on hold until " they could verify that I was not being taken advantage of ''. I did so the very next day as requested because I was not familiar with claims being put on hold, but it was extremely hard trying to speak with XXXX as she made me feel as though I was suddenly a liar. She also advised that I could file a police report which was disheartening because if I had, charges would be brought against my child whom is a XXXX male and has his whole life ahead of him. 

This claim was closed on XX/XX/2021 with no investigatory documents being provided to me on how they came by their decision. I've since opened up two additional claims on and/or about XX/XX/2021. 

I wrote to the Wells Fargo board on and/or about XX/XX/2021 a complaint that cited law regarding authorized purchases and their banking commitment and within two days, I was contacted by an executive claims specialist that would help me find out why the claim was closed, but I was not provided with the documents used to prove the purchases were authorized by me. 

I will admit that he was wrong for taking advantage of our family; buying gifts for young ladies, goodies and God knows what else at the gas stations, but the fact is I did not give him permission to do so. My son is XXXX XXXX with an XXXX and remote learning for all XXXX of my children did take an emotional toll on all of us. 

It seems outside of any claims specialist to suggest I file a report on an individual within my household that was not authorized to make purchases. 

I recognize liability after 60 days, however I do not recognize and can not find where Wells Fargo has the permission to advise and/or suggest potential criminal charges. I'm sure no claim will be approved, but we are talking about thousands of dollars in which I have to accept despite my knowing no reasonable effort was made to investigate and the claim was closed prematurely.

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 2019-08-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We want select portfolio services to show us they are the legal owner on our trust deed.We want select portfolio services to give us oringinal wet ink paperwork that they hold legal title on our home. Many servicers have transferred our loan over the last 13 years we have been done wrong on this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For the last 18 months I have been getting these collection companies trying to collect a bogus debt that they say I owed to XXXX XXXX which I currently have an account with. If i owed XXXX XXXX anything they have my personal info and would have contacted me. When I moved and set up my new services at my new address there was nothing owed on this account, I will not pay for something I do not owe no matter the amount or the discount that they offer to clear this up. I have called and told the collection agency and they say ok then they sell the debt to another. Now I see they have dinged my credit report with a collection, this behavior is illegal and these companies should not be aloud to act in this manner. I want my credit report cleared and the companies Receivables Performance Management XXXX 1st one to send me notice that I called and told them this was bogus then the bogus debt was bought or transferred to XXXX XXXX I am holding them responsible and want them prosecuted

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 2020-07-30
Company: Child Support Recovery Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I paid the XXXX XXXX XXXX {$3300.00} on XX/XX/XXXX. They released me from my lease after this fee was paid. In XX/XX/XXXX, I started to receive many calls from XXXX XXXX of CSRS Inc. I refused to answer the telephone because the number was unknown. However, Mr. XXXX left voicemails and urged me to to contact him. So I called and informed him that I did pay the amount and he apologized and informed me that he would remove the charge off of my XXXXXXXX report which he did remove. However, he sent me another voicemail stating that I was not the original payer of the debt and that I could go to jail. He then began calling me again early mornings around XXXX to XXXX XXXX. He left another voicemail on XX/XX/XXXX stating that I was a fraud and that CSRS Inc. along with the XXXX XXXX were taking me to court. Afterward, he put the collection back on XXXX, and additionally to my XXXX report. I have provided both him and the credit bureau with my receipt dating back to XXXX and informed Mr. XXXX that my bank did not return the payment and that I never received any notice from XXXX XXXX XXXX about this matter. I also informed Mr. XXXX of CSRS Inc. that the XXXX XXXX XXXX have since rented out the apartment immediately after I moved out. Also, that I moved out of fear of my life due to exposing the company for not assisting me after my apartment was flooded, and the vandalizing and destruction of my car after complaining to the company about their staff mistreatment. Then, I changed my phone number to avoid further contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: FIRST HORIZON BANK
State: TN
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 recently paid in full on an account with First Horizon. I actually overpaid and when I contacted them for reimbursement I explained to the representative that I wanted a refund. He proceeded to tell me to just charge the funds. I then explained to him that I wanted to pay off the account and never use it again. He suggested I close the account. I said to him IF I CLOSE THIS ACCOUNT IT WILL AFFECT MY CREDIT REPORT he said NO IT WILL NOT. He assured me of this and said they would close it anyway. HE PROMISED ME THAT IT WOULD NOT AFFECT MY CREDIT. I PAID OFF THE ACCOUNT!!!! I told him if that was the case then I requested that he close it PER MY REQUEST My credit score WENT DOWN due to this particular reason which it states on my report. I want that fixed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
All inaccurate Information should have been removed from credit report by XX/XX/XXXX. 
According to law disputed information related to identity theft must be removed from credit reports within certain time period not to exceed 4 business days. 
Identity theft report, copy of id, copy of social security card, FTC ID Theft Report, Dispute letter, copy of Police Report all mailed by certified mail on XX/XX/XXXX. Time required to be removed from report has already exceeded. 
All above listed enclosures already submitted has been re-sent by XXXX certified mail and also Uploaded into dispute portal on XXXX Website as of XX/XX/XXXX. Bureau Must Remove listed accounts related to ID Theft immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Avid Acceptance, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I brought my car from XXXX XXXX XXXX in XXXX Ga XXXX - XXXX My car was stolen XXXX because I had XXXX XXXX XXXX the car was not covered under my insurance and gap would not pay because the insurance would not pay the carto date has not been recovered fast forward 2 years later AVID Acceptance knowing the car was stolen is still reporting late payments on my credit report on a closed account severally damaging my credit making this horrible situation, I was in worst every time I look at my credit I'm forced to relive that horrible day I could have been killed.

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 2020-07-23
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
This is in regard to my Wells Fargo mortgage # XXXX. I have had this account for more than 10 years and have never paid late up until an incident that occurred late XXXX through early XXXX. Wells Fargo, incorrectly reported more than 30 days late to the credit bureaus for the following months and charged late fees as well that totaled to {$240.00} : 1. XX/XX/XXXX 2. XX/XX/XXXX XXXX. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX I had never been late in past decade with my mortgage. There was identity theft in my bank account that happened and I had to switch the method of payment, because there was a technical servicing error on Wells Fargo 's side ( I wasn't able to make online payments ). I called several times and was on hold for hours, finally I made my payment over the phone, for some reason there was a delay and for the 7 consecutive months they reported late to my creditors without alerting me first. I filed a formal complaint with them and the executive office incorrectly stated that there were no servicing issues on their end and also cited the incorrect dates of negative reporting. The letter was signed by a case specialist named XXXX XXXX ( Home Lending Executive Office ) My credit report is very important to me and since this happened I had my score drop. As of today I have been furloughed from my employment and it is imperative now more than ever to have my credit score adjusted for their mistake. I am also recovering from XXXX XXXX as I had the symptoms for 3 months. I need to have my credit score restored in the event I need to use credit for a medical emergency, since I no longer have the health insurance I had while I was employed. 

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 2017-03-30
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have disputed a tax lien with equifax credit company and XXXX. XXXX removed a tax lien to equifax that do not belong to me and I received a letter from XXXX stated that they have removed the tax lien from their Accurint Database, but equifax is still reporting the tax lien. I have contact the courts and they advised that the do not report to the credit bureaus and do not have a tax lien in their system with my name, ss #, or d.o.b., I ask equifax to validate the information and they will not provide validation neither will they remove the tax lien. Every time I call in they start a new dispute and a few days later they say the court reported back saying that the tax lien belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-31
Company: Experian Information Solutions Inc.
State: GA
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 just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.

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 2019-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been trying to remove fraudulent accounts from my credit report since XX/XX/2019. On XX/XX/XXXX, I mailed a dispute package to XXXX, XXXX & Transunion asking them to provide me documentation they used to validate the fraudlent accounts that were a result of Identity Theft. All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) also FCRA 605 ( b ) therefore, the accounts must be deleted from my credit report within 4 days.

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 2023-03-13
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter in the mail that I owed XXXX XXXX XXXXXXXX XXXX {$270.00} from ONLINE INFORMATION SERVICES. I've never even heard of these people I was supposed to have used. I called them and they verified over the phone they have NO record of me ever using their Ambulance service. 

We pay our bills and would never let something go this long!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: DISCOVER BANK
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
As part of an ongoing effort to get Discover to recognize that they opened an account in my name without my participation, knowledge or consent, I've sent them several documents proving my position.

Three weeks ago, I got a letter related to a taxable income form they claimed to have sent me in 2018 regarding this account and reporting as income I collected.

This morning, I received notification that they responded to two disputes I initiated with them.

The problem - I never contacted them regarding any disputes.

I'm not sure what sort of con Discover is currently running, but, once again, they are taking action in my name - action that I never initiated or asked for. 

This needs to stop and they need to admit that they were in the wrong for issuing this account to a person who wasn't me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: Clarity Services
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I requested a full file disclosure, opt of of permanently solicitation or credit offers for 5 years and a security freeze, I have no confirmation of the items I requested over 30 days ago on XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
the last 3 months a XXXX account is on my credit file that i don't know about. i need proof of it or removal of the XXXX  account. 

incorrect addresses and 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 2023-01-20
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:
I was charged overdraft fees and my account was closed by Wells Fargo.

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 2019-10-19
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
This company, PayPal, has been a pain with me all week ( culminating in horror today, Friday, XX/XX/2019 ). They limited my account and restricted me from doing anything three times just because I was a victim of a fraud and had to dispute a transaction. They are making me afraid to dispute other transactions that are not legitimate on my account. I have a little bit of money in the account and want it OUT but I was told that I could not get it out for 5-7 days, and the only reason is because their website was broken and the first time I tried to transfer it did not work, and then I tried " too many times '' so I will not be " allowed '' to get my money out. You should see my saved chat transcripts with one of their support representatives, it is unbelievable. At this point, I just want them to correct my disputes caused my identity theft ( a report with the FTC has been filed ) and I want them to let me transfer my own money to my own bank accounts without giving me potentially illegal excuses that make no sense. 

I have attached additional information. Beyond that, there is much more information ( more police reports and such ) available upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: MO
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:
Consumer reporting agencys ( equafax, XXXX ) they are illigally attaching the transaction history. Payments made, on time or late. Account History. Credit usage. Against my rights under the congress passed FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: Dynamic Recovery Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Dynamic Recovery Solutions this is the 2nd bill I got from 2011. I made a deal with them for the first one I was on the phone with these people and she never once said I had another medical bill from 2011. I have been on disibility for 9ansd half years and this is the first time getting these bills. I was never informed of dispirited or never received a letter from them this crazy. Iam XXXX I dont care who lives in the XXXX White House he pushing my buttons and XXXX XXXX is too. If u cant help me send me to someone that can. Also I just made my first payment last week and that is it I will be asking them to remove my debit card. Then she threw in that its going on my credit report as a paid not in full 7 years I thought that was the rule I guess XXXXXXXX XXXX XXXX the XXXX its different in America. These bills are way over 7 years if I have to wait 10 I will.

Company response to consumer: Closed with non-monetary relief