BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent the letter to dispute the accounts listed on XX/XX/2020 and delivered on XX/XX/2020 and asked to respond within 30 days but the credit reporting agency Experian never responded or opened any investigation regarding the accounts disputed.

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 2019-05-13
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2018, i started receiving letters from XXXX XXXX hospital regarding a medical bill that is not mine. i got a derogatory remark on my XXXX credit report stating i owe over 9k on medical bills. i would like to address this immediately and either pay off this debt or get this negative remark removed from my 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 2021-08-05
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:
I have contacted Transunion over and over again regarding XXXX on my credit file. I have sent them a notice that the account was a direct result of identity theft and have asked them to remove it. XXXX has also asked them to remove it yet they are still reporting it on my credit file. Attached is a letter from XXXX specifying for this to be removed. XXXX and XXXX have removed it therefore Transunion needs to follow suit.

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 2018-08-27
Company: AFNI INC.
State: AZ
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:
Hi, I had an outstanding debt after switching phone companies which ended up in collections through AFNI. Since I was making payments, I did so through XXXX internal collections, and finished paying by XX/XX/2017. The debt still shows a balance of {$570.00} as an open collection, and is affecting my credit score as they have not closed the account almost a year later. I figured all of this was taken care of, but is now a delinquent account on my credit. 

AFNI - opened XX/XX/2017, {$550.00} Original creditor - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Consumer Financial Debt Services, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Whatever I got the report of background check all sentences are absolutely wrong it is not related with me.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-27
Company: Total Card, 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:
Around XXXX of 2017, I lost my wallet and my personal information was used fraudulently. I received notification from many sources such as my personal bank and other cards that my credit cards and other information was being used with out my knowledge. Upon this notification, I immediately contacted my creditors and banks and made them aware. Most creditors canceled the card and issued me a new one. On XX/XX/2017, I notified XXXX/TOTAL ( XXXX XXXX XXXX ) Card XXXX about this issue and I closed the account at consumer 's request. They then sent me a statement with the fraudulent charges to pay. This account is currently still on my credit reports as a charged off account as I refused to pay for fraudulent charges. I have disputed this account with all 3 bureaus, sent documentation to include a police report and only XXXX has deleted the incorrect account. XXXX and XXXX continue to report account is verified and validated. When I asked for proof of validation, XXXX XXXX XXXX sent copies of the charges. This is not an acceptable source of validation! These charges were not by me nor were they authorized. This is a violation of my Federal rights as my credit history is being tarnished by erroneous and inaccurate information that is to be deleted from my credit file and the creditor has not validated the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Experian Information Solutions Inc.
State: MD
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 accounts listed here must be removed. I reported the name of the person that misused my credit to the authorities.I have sent several complaints and these accounts still have not been removed! My name is mixed up with someone else. 

US DEPT of Ed {$0.00} Balance Opened XX/XX/XXXX US DEPT of Ed {$0.00} Balance Opened XX/XX/XXXX These are duplicate false accounts XXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX {$9300.00} Opened XX/XX/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 2020-02-25
Company: Lending Club Corp
State: AK
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Lending Club made an unauthorized withdrawal from my checking account in the amount of {$19000.00} on XX/XX/2020. I called Lending Club on XX/XX/2020 and their representative told me that she would send my complaint to their treasury department, but that she could not guarantee the they would return the money. I called Lending Club again today and the phone call ended with a " supervisor '' named XXXX, who insisted that they would not reimburse me for the unauthorized withdrawal and that I was responsible for any fees from the creditors to retrieve the money. I point out to XXXX that Lending Club did not deposit {$19000.00} into my checking account and I did not authorize Lending Club to withdrawal {$19000.00} from my checking account. The call ended after 1 hour, 18 minutes and 45 seconds. To date, I have spent more than 3 hours on the phone with the Lending Club over their fraudulent representation. I didn't do anything wrong. I simply responded to their offer to finance a {$20000.00} consolidation loan at 16 % APR. They approved the loan for {$20000.00} at 16 % APR, but I was only loaned {$19000.00} and the actual APR was over 22 %. I cancelled the loan before any of my creditors were reimbursed. And I agreed to their terms to pay back the balance, except for any fees from my creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Called inXX/XX/XXXX for initial information on repayment and was told to put in forevearance for 2 years.

Called in XX/XX/XXXX, was told to start paying or go back into forevearance, and I did not have other options. Went into forevearance. XX/XX/XXXX received calls once a week for about 6-8 month stating my loans were defaulted. Through several calls back and forth, Navient finally reversed and put into the forevearance state the loans were recommended by them to be in.

Called in XX/XX/XXXXto go over repayment options, was offered IBR, but was still expensive for me with paying private loans. I asked if it takes into consideration my mortgage, car payment, and other student loans. The answer was that it is already factored in off of my taxes which is not true. I was pushed into forebearance again. 
Finally called last week, asked for REPAYE or PAYE options, was told I dont qualify but was not explained why. Again said that with private loans, mortgage, car, insurance etc I can not afford what is being offered, but PAYE or REPAYE would work. I was told this was not an option and I could defer or consolidate, and when asked I was told consolidating loans will not disqualify me from any loan forgiveness options, which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I withdraw {$1000.00} from XXXX XXXX. The teller asked me to swipe my driver 's license on their machine before she gave me the money. Because, she did not gave me a receipt of the transaction I asked for one. She gave me a balance inquiry instead of a receipt. The balance inquiry showed that on last processing date XX/XX/XXXX the balance is $ {$2000.00} and on XX/XX/XXXX the available balance is {$1000.00} after the withdrawal of {$1000.00} The teller should have given me the transaction receipt so the correct amounts on XX/XX/XXXX and XX/XX/XXXX were correct. The processing date should be XX/XX/XXXX, the beginning balance should be {$2000.00} and the available balance after the withdrawal is {$1000.00}. 

The teller should not have asked me to swipe my driver 's license in their machine. I used a withdrawal slip to withdraw. I believe that my driver 's license and my account were compromised. I believe the teller and the bank tricked 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 2017-12-02
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Buys and deposits are disabled in my account on Coinbase without any reason.

I contacted Coinbase support but they do n't answer. In my wallet there are XXXX and they have verified my phone number, my ID and my banck account. So there 's no reason I ca n't buy cryptocurrency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Experian Information Solutions Inc.
State: DE
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:
Original complaint # XXXX XX/XX/XXXX I purchased a vehicle using XXXX XXXX XXXX XXXX as the loan provider. I made every payment ; occasionally a week or 2 late. However, payments were always made. I had a payment not clear because they cashed the check before the payment was due and the check was dated for, however they continued to cash my checks afterwards. XX/XX/XXXX, a repo man showed up at my job to take possession of my car. I contacted XXXX XXXX XXXX XXXX because I could see on my bank account that they had received my payment. they advised they were not going to cash the check and wanted cash for the current payment, the next month 's as well as the fee for the repossession. As I was in XXXX and XXXX XXXX XXXX is in XXXX, the time difference didn't allow for me to get to the bank for the cash as it was already past XXXX est. I had no choice but to let the repossession to happen. On my credit report they show my account current until after XX/XX/XXXX at which point I no longer had the vehicle. I received notification they were outing the car up for auction, however I never received any paperwork after the sale of the car. They charged off {$9500.00} for what I can only assume is the amount they sold the vehicle for. I initially financed {$12000.00}, making 7 months of payments of $ XXXX. I have contacted XXXX XXXX XXXX on multiple occasions to request proof of sale at the auction. they have refused to provide me the requested information or allow me to speak to the person who can provide me the information. 

If the initial loan was {$12000.00} and they sold the vehicle for {$9500.00} at the very least my balance should be {$3200.00} ; however the payments I've made should be factored in the balance as well. 

I've attached the credit report ; item 1 is the account information that you apparently could not find previously. I have also contacted my cell phone provider to obtain a list of the calls I've made. I will send as soon as I receive.

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 2020-02-25
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I enrolled at XXXX XXXX XXXX in XXXX, VA in XX/XX/2009. I was recently widowed and had a young child to take care of. I spent 5 hours at the campus getting all of the information I needed to make an informed decision. I was promised by the recruiter and the Department Chair of the XXXX XXXX program that the school was accredited, and I found out after graduation that it wasn't. There was a fake accreditation certificate hanging on the wall at the front reception desk. I was promised job placement assistance. I did not ever receive any. I was lied to about the cost of the program. I was told that because of my age, XXXX at the time, and being a widow, that I qualified for scholarships and grants that would pay for almost 100 % of my costs, and the financial aid department was taking care of everything. They never applied for any assistance for me. These are just a few examples of the fraud they committed when enrolling me. My " degree '' is worthless. The school was closed for fraud and I do not feel that I should be held responsible for the debt. I was lied to for four years and now I owe a massive debt that is ruining my life. I feel that the school needs to prove that I benefited from attending, and they fulfilled all of their promises and or the debt should be forgiven. No other company or business is allowed to collect on a debt that was entered into based on fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
i currently working on loan with purchase that is supposed close Friday XX/XX/2020. all supervisors are refusing to answer any question. Also their for reps are also refusing to transfer to supervisor. I dont know what is going on my loan. Spoke to my broker he stated he reach out to this company multiple times about same issue they refusing also to answer him. The companies name is untied wholesale Mortgage and licence number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : 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 2019-05-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX reportedly was paid in points and loan closing cost to refinancing my home on XX/XX/2019 that included the next payment process will not be due after 45 days after the loan closed the payment would not be due. On XX/XX/2019 chase report that the loan were transferred over to chase who is currently the new services provider and requested a payment for XXXX. I disagree with paying the XXXX Payment for the following reasons : ( 1 ) XXXX XXXX Report they were the servicers for XXXX and ( 2 ) Chase report they also was the servicer for XXXX ( 3 ) On XX/XX/2019 I called Chase and reported to the Customer Service Department the discrepancy and to investigate the XXXX Payment being applied to XXXX XXXX doing closing and no payment for XXXX will be paid to Chase until further investigation. On XX/XX/2019 Chase Applied {$2200.00} the XXXX payment to XXXX when they were not the server for the loan. I would like for chase to correct there records and my credit report and apply to reflect correct payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
During a routine check of my credit report, i noticed a collection account. I called the original company, XXXX, about it. I told them it did not make sense, because I am XXXX  at my current location. The location that was showing up on the credit report was never my address. They could not find the collection account. 

I called the collection company. The wanted my SSN, i told them no. I told them i never lived at that address, and they needed to remove it. They said they could not do anything. 

Next, i disputed with the credit agencies. I was told it was removed. However, now i see it back on my report. It is showing Waypoint

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018, I had contacted Wells Fargo to schedule a recurring automatic payment in order to cover the minimum payment on my Wells Fargo credit card. I had also submitted a one time payment on the same day. The representative assured me that going forward I had nothing to worry about and that it would get automatically pulled as long as I had money in my account sufficient enough to cover the payment. My payment due date was set to be XX/XX/2018 for {$25.00}. I was never notified that the payment was unsuccessful and now I have a late payment posted on my credit report. I am now in looking to become prequalified for a home and I have been advised that I can not get a mortgage because of this mark on my credit report in this situation, because I have attempted at resolving with Wells Fargo representatives.

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 2018-08-27
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked this company to verify the debt with a dispute letter sent on XX/XX/2018 and they have not responded. I would like to have this deleted from my XXXX  and XXXX credit reports for lack of validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: NRA Group, LLC
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: Information belongs to someone else

Complaint:
-XXXX -ACCOUNT # XXXX -DATE OENED XX/XX/XXXX -AMOUNT $ {$350.00} -XXXX XXXX XXXX -ACCOUNT # XXXX -DATE OPENED XX/XX/XXXX -XXXX/XXXX  -ACCOUNT # XXXX -DATE OPENED XX/XX/XXXX AS WELL AS INQUIRIES FROM XXXX/XXXX   XXXX -DATE OF INQUIRY XX/XX/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 2020-06-05
Company: EQUIFAX, INC.
State: OK
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:
There is inaccurate, misleading, incorrect, out of compliance information on my report I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this account at all. I am XXXX  and have not rented from anyone at all my entire life. I will provide proof that I am a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Wells fargo bank Account XXXX Is reporting on my credit profile a wrong information, and is making me unable to open a bank account in another bank institution. It is reporting as a credit card on my credit report when it was not! Neither i had a credit limit with them.

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