BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-02
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian is supposed to allow consumers to freeze and unfreeze their credit reports to third parties at the consumers request. Their entire process is robotic, impersonal, and incapable of following through on this mandate. Their system routinely misidentifies me and will now not allow me to unfreeze my credit. Both Experian and XXXXn have web based services that work efficiently and well. Experian 's " service '' if you can call it that, is rife with inefficiency, lack of accountability and onerous demands on the consumers that will take hours to put together and days or weeks before Experian even gets around to the request. As far as I'm concerned I don't trust Experian with my information let alone their ability to keep it accurate or safe. In my first attempt to freeze my credit they required " proof '' sent via USPS while denying my freeze request on line. A week and a half later I recieved an answer from them saying they couldn't honor my freeze request because they needed more information, then asked for the very same information I'd already sent. To top it off they included in the letter a full picture of my complete credit information. In effect they did not yet believe I was who I said I was and yet they sent me a complete picture of my credit. This organization can not be trusted with our sensitive credit information, period! To top it off they also sent me a pin number to use which when I did was REJECTED! It is amateur hour at Experian

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 2018-06-20
Company: WELLS FARGO & COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Regarding recently closed complaint XXXX : 1. ) Despite asking to close this account since XX/XX/2018 in the presence of a Wells Fargo Representative at the Wells Fargo location inside of the XXXXXXXX XXXX XXXX XXXX in XXXX Utah, while on the phone with a representative from the Wells Fargo Card Service, Wells Fargo continues to send me notices that I am delinquent on this credit card that was closed months ago. 

2. ) Wells Fargo purposefully took longer than necessary to apply my collateral of {$300.00} to the account to incur more fees and to attempt to put a negative mark on my credit as a penalty for closing my credit card. The collateral was not applied until yesterday, XX/XX/2018, despite requesting this account to be closed on XX/XX/2018. 

3. ) The notice that I was sent this week directly conflicts with what my account says when I log in ( see both attached ). My account currently states that i owe {$16.00} ( which is not true as well ). The letter states that I am in default {$58.00}. Wells Fargo is purposefully being confusing as yet another penalty for closing my credit card. 

4. ) This entire situation was unnecessary and arose from Wells Fargo charging myself a late fee on or before the actual due date of payment on this account. 

5. ) This ongoing issue that I have with Wells Fargo charging my credit card fees that no one would explain and then denying closure of my account repeatedly for several weeks since XX/XX/2018 has caused myself much unnecessary waste of personal time and added stress. Total time lost due to this unnecessary situation is approximately 4 hours to date. 

6. ) It is my belief that Wells Fargo routinely targets low income and credit score disadvantaged individuals with these types of " miscommunications '' and illegal fees as a means to strong-arm credit disadvantaged individuals who are in fear of receiving a bad credit report from Wells Fargo. Wells Fargo also uses this as a means to dissuade these same disadvantaged individuals from closing their accounts. This activity described is both illegal and immoral.

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 2018-11-02
Company: Navient Solutions, LLC.
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: Their investigation did not fix an error on your report

Complaint:
With an obvious regulatory Inclination, It is the presumption of this board that all facets of lawful writ regulations and the understood or should be understood standards of practice are to be acted upon in full undoubted accordance as dictated. This criterion in specification should be thought to incorporate the decrees within the XXXX XXXX format compliance of reporting process as well. Further, this board takes note that Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. An inadequacy of any regulation and or requisite standard gives credence to a injured consumer 's right to compel. The opinions set forth in this informal staff letter are not binding on the Commission. Please delete ALL Dept of Ed/Navient accounts that appear on my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: GREAT LAKES
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I graduated from law school in XX/XX/XXXX. At the time, I had around $ 120k in student loans through XXXX, which was later bought out by Great Lakes. I began working for the Federal Government in XX/XX/XXXX, with the understanding that loans would be forgiven in 10 years because my employment fell under the PSLF program. I was told my loans qualified by XXXX/Great Lakes. It wasn't until early XXXX I realized my loans were not properly consolidated as Direct loans, at which time I consolidated my loans and began making payments under IBR. The loans were serviced by multiple contractors ( including at least XXXX and XXXX ). In XXXX my loans were transferred to XXXX for loan servicing. I asked for an accounting in XX/XX/XXXX so I knew how many payments I have left to make. To date, XXXX has refused to provide that information, despite repeated phone calls every 4-6 weeks ( every time I call they say " it'll be another 4-6 weeks '' ). According to their website, I have only made 24 qualifying payments!!! So, 1 ) I was lied to initially that my loans qualified by XXXX./Great Lakes ; and 2 ) XXXX can not or will not provide an accounting of the payments I made through Federal loan contractors through the years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: WELLS FARGO & COMPANY
State: ND
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got restricted phone calls on XX/XX/ 3 times within half hour to call a number with a case number that someone was going to serve me from an account in XXXX with wells fargo. They also called on XXXX and left a voicemail to call a different number with same case number. I usually do not answer restricted called but they kept calling me repeatedly. The numbers are XXXX and XXXX and it's the same guy and refused to give me his name or any information. Threatening that I will be having court and getting served.

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 2017-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 inquires on credit report are fraud i did not make these inquires please remove.

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 2018-11-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018, I ordered a 3-4 person double layer hydraulic-lift tent ( order XXXX from XXXX XXXX -- XXXX XXXX XXXX ) for {$69.00} and received on XX/XX/2018, a single layer tiny non-hydraulic tent ( it looks like a flimsy tent for a child/pet ). I disputed this charge after not hearing back from the customer service after lodging my complaint on XX/XX/2018. I sent photos and also noted that with checking, this XXXX XXXX is a XXXX scam and that there are many of us who were taken. Citi card denied my dispute " since we have not received the credit slip or chargeback approval letter from the merchant to prove they agree you are due credit for this charge. '' A description from others about the scam : XXXX XXXX XXXXXXXX

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 2023-02-08
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: Information belongs to someone else

Complaint:
noticed some fraudulent inquiries on my credit report that i did not authorize. Please remove it from my report immediately.

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 2018-10-22
Company: Integrated Mediation Solutions LLC
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted on XX/XX/18 by a Ms. XXXX XXXX. She stated that she works for Integrated Mediation Solutions. She stated that I owed XXXX to a XXXX XXXX, and they would be filing a wage garnishment as soon as possible if it was not paid. She was very forceful and began yelling at me about making the payment. I told her I would need to contact an attorney and she stated they would not be able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TSI has been calling me for collections regarding an Auto Insurance Policy with XXXX of Michigan from 2012. I explained that this is not possible and that the policy would have been under my husband who has gone thru Bankruptcy and would have had this discharged. I also explained that this debt was for a [ policy from 2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo is charging me overdrafts on days I receive my Direct DEPOSIT and then posting correctly. As on XX/XX/18 I received a direct deposit and after it cleared up my overdrafts I had XXXX I then charged XXXX and they charged me a XXXX overdraft. I also had money deposited all weekend. They are not applying the overdraft rewind correctly and I have multiple deposits. I have been overcharged overdrafts in excess of XXXX And XXXX of them not correct. They are also charging before items post and also not posting direct deposits correctly. Causing more overdrafts even when trying to deposit money to make current same day they are screwing up. Everything I deposit seems to just cover their fees which is ridiculous

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 2017-06-19
Company: Paypal Holdings, Inc
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have had problems with some merchants in which I had to file a claim with Paypal. Paypal refuses to comply with their own policy and federal law regarding my rights to dispute a charge. Cases are being ignored and never closed and I am receiving harassing emails from the company threating to close my account and take away my legal rights to file a dispute against a merchant. I am now required to fraudulently pay for all purchases regardless of never recieving the service or merchandise I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
With an obvious regulatory Inclination, It is the presumption of this board that all facets of lawful writ regulations and the understood or should be understood standards of practice are to be acted upon in full undoubted accordance as dictated. This criterion in specification should be thought to incorporate the decrees within the metro 2 format compliance of reporting process as well. Further, this board takes note that Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. An inadequacy of any regulation and or requisite standard gives credence to a injured consumer 's right to compel. The opinions set forth in this informal staff letter are not binding on the Commission. Please delete ALL XXXX XXXX XXXX accounts that appear on my credit report immediately.

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 2018-10-22
Company: Medical Data Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/2018 XXXX XXXX from XXXX XXXX XXXX XXXX called my work and left a message about debt on my office phone. I work for a county government agency and the phone line called on is county government property not for personal use. 
The collector got through to my private work extension so I would think they misled the operator as to the nature of the call. 
I share an office and the nature of the call/message was likely audible to others. 
As the number is a county government line not personal I may be reprimanded. 
The number is for a county government XXXX XXXX XXXX XXXX. Common sense and etiquette should prevail.

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 2018-11-02
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: Their investigation did not fix an error on your report

Complaint:
With an obvious regulatory Inclination, It is the presumption of this board that all facets of lawful writ regulations and the understood or should be understood standards of practice are to be acted upon in full undoubted accordance as dictated. This criterion in specification should be thought to incorporate the decrees within the metro 2 format compliance of reporting process as well. Further, this board takes note that Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. An inadequacy of any regulation and or requisite standard gives credence to a injured consumer 's right to compel. The opinions set forth in this informal staff letter are not binding on the Commission. Please delete ALL XXXX XXXX XXXX  accounts that appear on my credit report immediately.

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 2021-02-24
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AD ASTRA REC is claiming that I owe them {$1000.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Grandeagle Financial, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original amount for this debt is {$1400.00}. I have made 8 payments on the amount of {$29.00}. Just today I received a letter from the company that I owe them {$1200.00} when I owe them {$1100.00}. Also someone XXXX XXXX called me and he was saying on the phone that he represents someone else who is a lawyer and that I need to settle this account as soon as possible. I have been making payments every month and those people are threatening me in order to make the payments faster and to pay off the debt faster using tactics that are illegal.

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 2017-06-18
Company: EQUIFAX, INC.
State: PA
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:
Back On  XXXX !  XXXX ,2017, I Sent Out A Letter To Equifa x Credit Company, As O f Today I Have Not Heard Or Recieved Any Notices From Them. So On  XXXX   XXXX ,2017 I Again Send Out Another One .All I Want Is For Them To Updated all My Information, Which Some Of Is Out Of Dated, My Personal Information, That Needs To Be deleted Is Some Address And Phone Numbers And My Name Which They Are All Wrong..I Did Send Them Proof I Send  XXXX  Document To Proof My Name And Address ..Till This Da y I Have No t Heard From  Them.And Also I See  That They Keep On Adding Negative Report And The Hard Inquierier From Companys That I Don '' t Know. We All Have Rights And Right Now I Feel That This Should Be Investigated .Iam Trying To Fix My Credit And I Hope Your Company Can Clear Up This Issue ..I Do Have Copyed Of The Letters That I SendThem.. Thank You,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
My XXXX account was past due at the end of XX/XX/XXXX. I was able to make a payment to satisfy the debt after making an agreement with the company to remove the tradeline once the payment was made. I made the payment, but they never removed my tradeline ( bait and switch ). Also, they last reported me as late as of XX/XX/XXXX, and charged-off on XX/XX/XXXX. At that point in time, I already made my payment to satisfy the debt. XXXX needs to honor what they said they'd do.

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 2017-07-05
Company: Navient Solutions, LLC.
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: Old information reappears or never goes away

Complaint:
my student loan is still showing on my credit report as adverse credit even though it has been forgiving due to me being a XXXX XXXX XXXX veteran. Navient and XXXX student loans showing as adverse credit due to late payments which I should never have been billed for in the first place. I am asking that those to companies completely remove there adverse reporting from my credit reports to help improve my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My Barclays arrival credit had a balance that I was paying consistently. I was then enrolled into a credit relief program. They settled the account with Barclays. This was settled and paid off however Barclays still shows it as a charge off which negatively affects my credit.

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