BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im accordance with the fair credit reporting act. Convergent outsourcing inc. client account # XXXX convergent account # XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. states I have the right to privacy 15 u.s.c 1681 section 604 A. Section 2 : it also states a consumer credit reporting agency can not furnish a account without my written instructions

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 2020-09-20
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I pulled my credit report and I saw several accounts I did not recognize, I have tried to fix this but know one has fixed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
PayPal is holding my money for my non profit, PayPal has no way to contact them to do customer service. PayPal has blocked my money for my non profit football team and is making it so I can not pay for my kids uniforms. When I try to verify my account PayPal will not let me. I have tried to contact PayPal and you can not get a representative on The phone like how I could before. PayPal needs to stop holding my money up because it looks like a scam to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
Company: Colony Brands, Inc.
State: PA
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 am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Experian Information Solutions Inc.
State: TX
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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has stolen and used my identity and has obtained a Car XXXX XXXX XXXX. Government Loans small business loan distributing 1099 forms. XXXX XXXX XXXX XXXX has forged govt docs /child support enforcing A lien on the XXXX XXXX XXXX he obtain to be Legally under his name. XXXX XXXX XXXX XXXX and his mother XXXX XXXX XXXX filed motions and suits using my identity. They were obtained by the two individuals, signed and dated. My mother XXXX XXXX is also involved as her number and address appears on my credit reports. Her address is XXXX XXXX XXXX XXXX XXXX. Those 3 individuals have obtained and opened my mail IRS mail, Stimulus and att general mail, local Police dept and other personal mail but will not release it to me. I have filed several police reports. XXXX XXXX XXXX opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX at XXXX yrs old this began in XXXX but the identity theft and att general Docs signed XX/XX/XXXX. This individuals embezzle the funds and obtained them through the legal system XXXX XXXX XXXX XXXX XXXX XXXX  by false suits and motions.

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 2021-02-10
Company: SOUTHSTATE CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, the beneficiary of my savings account XXXX XXXX, received a letter from Centerstate bank that my savings account was going to be closed in 30 days. Im the primary account holder and never received a letter. The current balance of the account is $ XXXX. I contacted my local Centerstate branch on XXXX and asked why my account was being closed and their response was its our discretion, please file a formal complaint. I have been a loyal customer for over 5 years with Centerstate bank. My accounts have always been in good standing. There have never been any fraudulent charges or compromises of my accounts. I feel I am being discriminated against and treated unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am trying to seek a monthly billing reduction from Navient Student Loans. I have trouble paying the {$1100.00} monthly payments and was informed by a supervisor ( XXXX, XXXX, on XX/XX/2018 at XXXX XXXX ) that my parents ( retired, XXXX y/o, limited income ) are financially liable to help because they cosigned on loans 10 years ago for my XXXX degree. Additionally, I have been labeled " delinquent '' because a customer service representative ( XXXX XXXX on XX/XX/2018 ) told me to not pay until well after the XX/XX/XXXX because I was on " administrative forbearance. '' My payment is initiated for XX/XX/XXXX ( confirmation # XXXX ) and as a result, I was told by XXXX today ( XX/XX/XXXX ) that I can not even speak to Customer Service because of this. Additionally, I was told by XXXX ( XX/XX/2018 ) that my parents could be released as cosigners and informed today by supervisor XXXX that it not even an option because I'm considered " delinquent. '' He also said that department does not even exist. XXXX assured me they would review the phone conversation tapes and investigate internally, however stated I am responsible to pay Navient {$1100.00} monthly, which will likely increase because the interest rates are variable. I have never been more angry at myself for seeking an education as I am now struggling financially because I chose to go to school. 

I have done my best to " trim my finances '' and no longer go out to concerts or movies with friends, I cut my own hair and no longer make purchases on my XXXX XXXX XXXX XXXX credit card ( the only one I have ). My vehicle has been paid off for several years and I paid it early and never missed a payment to XXXX XXXX XXXX XXXX. I want to be a homeowner someday or purchase a newer vehicle, but those, at this point, are just dreams because my student loans require the largest portion of my income. I have moved up professionally and always am trying to stay positive, help others and address my responsibilities. 

I just want help lowering my payments to Navient and removing my wonderful, kind-hearted parents as cosigners. These loans, although they cosigned, are my own and I will do what I can to make Navient whole again and no longer be under their umbrella.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax Credit Bureau refused to conduct proper investigation & have these errors deleted from my credit report. I have called this morning, regarding debt collector the bureaus XXXX XXXX XXXX  originator reporting the amount {$820.00}, refused to delete this creditor. I have a certified letter, returned back to me via USPS. The contact information that's stated on equifax of the address is invalid & returned back to sender. Attached is a photo of the letter returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: EQUIFAX, INC.
State: AL
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 pulled my credit and found many accounts that I had no knowledge of. I have tried to contact the people over these accounts but nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Balekian Hayes, PLLC
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX sent a debt of {$470.00} to Balekian Hayes , PLLC. in XXXX of XXXX. Balekian Hayes , PLLC used XXXX XXXX for debt collection. 
I paid this debt in full ( {$470.00} XXXX in XXXX of XXXX. I have a bank statement showing this payment cleared and was paid to XXXX XXXX. In XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX Indiana XXXX XXXX XXXX attempted to collect this paid debt. I requested verification and that they cease all attempts to collect the debt, in writing in XXXX XXXX and I sent proof of payment XXXX bank statement copy ) in writing in XXXX of XXXX. In XXXX of XXXX, I received a call from XXXX XXXX XXXX XXXX XXXX attempting to collect this same paid debt. I asked that they provide proof I owe this debt. 

My concern is that I am being contacted for a debt that was paid in full and now the burden falls on me to repeatedly prove it when it should have been marked as paid when it was paid in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: CITIBANK, N.A.
State: CA
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:
I received a letter dated XX/XX/XXXX that notified me that my account with you was closed due to late or returned payments. I am not responsible for those payments, and their return. I do not know who made those payments to my account. 

Please note that I have had this account since XXXX, and have never been late, or paid less than the full balance due on the same day of the month. Payments are made through autopay. 

I have called your customer service department and received an additional letter stating that you're unable to reopen my 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 monetary relief
Consumer complaint received 2020-07-07
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Today I received notification that Citibank is reducing the limit on all my accounts to just above the outstanding balance and would not provide a reason. I have not missed any payments and the account is not delinquent. 

When I reached out to Citibank and asked how to request a review of this decision, I was told I can not apply for a credit limit increase until XX/XX/2021. I am not asking for an increase - I am asking for the reversal of a negative action on my account that is unwarranted.

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 2020-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 filled a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020

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 2020-07-07
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX i closed my XXXX XXXX service and i also turned in equipment used. On XX/XX/XXXX I received mail and phone calls stating i owed on the account. I asked for verification by mail on XX/XX/XXXX ; I never received a reply from XXXX XXXX about the collection. I disputed the collection with all three credit reporting agencies numerous times. On XX/XX/XXXX I requested another verification of the account and was mailed a bill with a date in XX/XX/XXXX after i paid and closed the account. The bill that was sent had no description of charges, only a total due and my name.

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 2022-12-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have been disputing this for yrs now, I never had this car. i reported it as fraud, i also sent all the bureaus a police report. i have been able to get it off of XXXX and XXXX but experian hasnt taken it off. i want it off please. i havent been able to get any credit to build my future. i need this off please. i recently sent experian over a month ago showing that the information doesnt add up from bureau to bureau and havent gotten a response back. it's still showing a repo for XXXX XXXX XXXX opened XXXX XXXX with an account # 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 2019-10-23
Company: EQUIFAX, INC.
State: CT
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:
Equifax is reporting my car loan as " Closed '' and the incorrect balance. I have tried disputing this information 3 times and every time, they never change it and then report a higher balance than what it actually is. This is a car loan that was briefly repossessed but then reclaimed within a week. The other 2 bureaus report it correctly as an open installment loan but Equifax is reporting it as a closed account which it is not. It is open and I am actively making my regular payment on it. It is affecting my credit score and is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: WELLS FARGO & COMPANY
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Arbitrarily being charged late fees when payments were made to cover late fees in the past. Wells Fargo is charging me a total of {$360.00} in late fees now although I have already paid all of the late fees throughout/during the life of the loan. I think this is a way of the company trying to steal my money. They can not justify that I have not paid the late fees after I demonstrated through all of my payments that I paid the late fees every time I caught up on my payments. 

After all these years they are trying to say that I owe these late fees and can not prove that I did not pay them. This is now causing hardships for me and I have XXXX children with XXXX and I am not able to keep disputing this with Wells Fargo!!! This is impacting my health.

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 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
According to fair credit act reporting act. The list accounts below has violation my federally protection consumer rights to privacy and confidentiality under 15USC 1681. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX. 

15 USC 168/c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer of the following other than records of conviction of crimes. Which antendates report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) should not furnish any information relating to consumer to any consumer reporting agency if this person knows or have reasonable causes to believe the information is incorrect.

15 USC 1681 section 604 A Consumer can not furnish account without writting structions.

15 U.S.C section 602 A. states I have rights to privacy

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 2020-09-20
Company: T.S. Holdings
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: Fidelity National Financial, Inc
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I AM REQUESTING ALL DOCUMENTATION REGARDING THE CANCELLATION OF DEED ON XX/XX/XXXXPERTAINING TO XXXX XXXX XXXX XXXX, XXXX GA XXXX. THIS IS NOT A DUPLICATE REQUEST, PREVIOUS CANCELLATION UPLOADED HAS A DATE OF XXXX, PLEASE NOTE BOTH AS ASSOCIATED WITH FRADULUENT LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: ASG Solutions LLC
State: FL
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 received a voicemail today, XX/XX/2021 from XXXX with the Office of XXXX XXXX XXXX and ASG Solutions. Stating that there is a legal matter filed against me, per Federal Law. Further advising they have contacted the DMV and my local jurisdiction of XXXX XXXX County. I was also advised by my step father that he received a call from the same personal today, stating there is a legal matter filed against me, per Federal Law. Also advising they have contacted the DMV and local jurisdiction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Experian Information Solutions 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:
Hello, The following account is not mine. Please remove from my credit account. Thank you. 
XXXX XXXX XXXX The following Inquiries were not made or authorized by me. Please remove from my credit account. Thank you. 
Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX NA XX/XX/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 2020-09-09
Company: WELLS FARGO & COMPANY
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Prior to sending this transfer request I checked and rechecked with Wells Fargo to confirm that I was in fact mailing them all of the required documentation needed to process my request as there are specific forms and documents that are required - they confirmed that I was in fact sending them exactly what they needed in order to process my request which included notarized written instructions from me showing my signature. 

A transfer request was sent by me via next day mail to Wells Fargo with delivery confirmed on XXXX. 

The request was to transfer XXXX from one account and XXXX from another account into one account at a XXXX XXXX  - both accounts at Wells Fargo are in the name of my Mother who passed away on XXXX ; I am the personal representative. The background is I had full access to these accounts to help my Mother manage her finances and I am also a long time Wells Fargo customer having several active accounts with them at this time. 

After about 5 days I called Wells Fargo and they confirmed receipt of the required documentation and also confirmed that the documents had been scanned into their system and ready for processing. They confirmed that it would take about 20 days to process. 

After about 20 days I called and they said it would take a little longer perhaps 30 days from date of receipt to process. 

I waited and called again after about 30 days and they said it would be processed within one week of my phone call. 

I called back after about one week and they said they needed me to fill out form W-9 and mail it back to them and that they would then be able to complete my request ( I was not previuosly informed by Wells Fargo that this form was actually a requirement even after checking and rechecking with them ). 

I confirmed that the requested W-9 form was delivered to Wells Fargo on XXXX at which time I ask them when my requested transactions would take place and the Rep stated it would take another 24 days. Based on the response so far I have no confidence that my requested transactions will be processed after another 24 days of waiting. 

Furthermore, on a personal note this is particularly XXXX  to hold me XXXX by not performing the requested very simple, everyday transactions ; especially after the passing of my Mother and the fact that I have funeral expenses to pay from these particular funds. To add insult to injury, I am the one that recommended to my Mother that she put her life savings into Wells Fargo accounts.

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