BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-25
Company: Waypoint Resource Group, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, I am having an ongoing issue/dispute with XXXX XXXX and Waypoint Resource Group collections on their behalf stemming from an issue with lack of service and unknown billing for services not rendered. I have documented this situation fully, including chat sessions with XXXX XXXX agents and other mailings from the company. 

My issue begins with when service was attached at a temporary residence in Rhode Island and the transfer of that service to XXXX, Maryland. In essence I am being charged for services and termination when I never terminated anything because the service in my area is not covered by XXXX XXXX in the first place and because, having paid my account in full as agreed, I am being charged and subsequently reported negatively to the credit bureaus for an error of the company 's end. 

The summary of my issue is this : I am being charged {$100.00} for early termination. However, they did not provide service in my new location in XXXX, MD. Which when I signed up, I explained to the rep that I was in RI on a work assignment and was not sure if it was going to last two years. He told me that I could move my services if available at my new address and if not, I will not be charged the early termination fee. It is not my fault that they do not provide services in XXXX, MD. Another attachment is for a credit that I was given for {$200.00}. I used that card to pay my final bill, as I was told by one rep. 
I was also promised a {$50.00} gift card that I was promised due to the frequent interruptions in services. This interruption kept going on for several months until I got tired of it and complaint. The rep apologized and said that she was issuing me a {$50.00} card for all the trouble. One of the several times that I called to explain/discussed the final bill to them and the collection agency to call me I had explained and sent all the proof to. I disputed these charges with that collection agency when they call me with the charges. Unfortunately, I had not found that second card. I am pretty sure they have the conversation on record. The call between me and the rep was after the attached online chat with them. I call them on the phone after that. 


The issue is not of my doing nor should I be held responsible for lack of service by the company or the promises of one agent and the lack of follow through by another. While regrettable those issues are not of my doing. I am a customer who paid for a service and would have continued paying had the company provided the services in my area. I am asking that this agency provide mediation and oversight to this situation so that XXXX XXXX and Waypoint Resource Group will take serious my complaint and resolve it with the same expediency with which they have besmirched my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion has several accounts from XXXXDept. of Education  that are inaccurate on my credit report. Two accounts from XX/XX/XXXX and XX/XX/XXXX are well over 7 years old and the last payments made on these accounts were on XX/XX/XXXX. Activity on these accounts were more than 7 years old. 
Two additional accounts from XXXXDept. of Education were opened on XX/XX/XXXX. I never made a payment on these accounts. They are over 7 years old. 

Transunion and XXXX have 2 accounts from US Dept. of Education that were originally transferred from XXXX/Dept. of Education. They changed the open date from XX/XX/XXXX to XX/XX/XXXX. The new open date is wrong. And they show timely payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These are wrong. I never made a payment on these accounts. They are over 7 years old. 

Transunion and XXXX have the wrong last name on my credit reports. I want them deleted. 
Transunion has several wrong phone numbers on my credit report. I want all of those numbers deleted. I don't want a telephone number on my credit report. 
Transunion and XXXX have an inquiry on my credit report that I did not authorize. I want them deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
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: Account information incorrect

Complaint:
I've contacted XXXX  and was advised this account was opened in my name in XXXX. Not only that this account was fraud but the credit bureaus is reporting wrong opened date. I will sue the credit bureaus if they don't remove this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I notice multiple inquiries on my EXPERIAN credit report, some reporting twice from the same company. Some different companies but the same day. 
XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX : XX/XX/XXXX XXXX Type All Banks - non specific XXXX CREDIT/ROUTE XXXX AU Dates : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX Type Automobile Dealers, Used XXXX XXXX XXXX Dates XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific XXXX Date XX/XX/XXXX Type Savings And Loan Companies XXXX XXXX   Date XXXX Type All Banks - XXXX XXXX XXXX XXXX Date : XX/XX/XXXX : XX/XX/XXXX Type Auto Financing Companies XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Type Auto Financing Companies XXXX XXXX XXXX Date : XX/XX/XXXX Type Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Type All Banks - non specific

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 2022-10-04
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please update these following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On Thursday XX/XX/XXXX, I called XXXX and TransUnion because there are XXXX accounts that are reporting on my credit report that I feel are inaccurate. I am not sure where these accounts came from and it was recommended to me to write a letter to the credit bureaus asking them to investigate these accounts. When I called XXXX   and TransUnion, they both stated that they never received anything from me. 
On XX/XX/XXXX, I sent letters to XXXX, XXXX, and TransUnion. The letter to XXXX  was sent certified mail ( Tracking number XXXX XXXX XXXX XXXX XXXX ) and was delivered XXXX XXXX. The letter to TransUnion was also sent certified mail ( Tracking number XXXX XXXX XXXX XXXX XXXX ) and was delivered XX/XX/XXXX. 
A few weeks later I received a response from XXXX stating that the accounts in question were deleted and removed from my credit report. I have never received a response back from XXXX or TransUnion. I continued to send letters to them on XX/XX/XXXX and XX/XX/XXXX. Still no response from either company. I was highly upset when I called them, and they claimed that they did not receive anything from me. When I first sent letters to them, I included a copy of my drivers license and my social security card. I am concerned that these may have fell into the wrong hands at one of these companies. 
I feel that my rights have been violated under the Fair Credit Reporting Act, please comply to my request and remove the information that does not belong to me. You can see the accounts that were disputed on the attached documentation.

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 2023-08-23
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-07
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continue to get calls from a company called Enhased Recovery regarding a debt I dont owe, for a person I dont know. My number is unlisted and I can not get a person to answer if I lrt the call come through to ask them to please stop calling me!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-09-14
Company: Specialized Loan Servicing Holdings LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A letter was sent in late XXXX and early XXXX by XXXX XXXX XXXX requesting a reaffirmation agreement from Specialized Loan Servicing. Specialized Loan Servicing has not sent a reaffirmation agreement to the law office nor responded to our multiple requests. In addition, they have closed the account based on the XXXX Credit Report. We are still making payments on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX keep opening and closing an account on my XXXX XXXX and my equifax credit report. Ive wrote numerous letters to have it removed. I would like it removed from my credit report asap please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I recently closed on a house with Wells Fargo, and when I got the final disclosure, saw that they charged almost {$1400.00} for an appraisal. I paid about {$900.00} at the start of the loan process, and was told that any money left over would either be refunded or put towards final closing costs. The website said that an appraisal costs between $ XXXX {$500.00}, and even with inflation, it should not have been anywhere near {$1400.00}. I tried calling them, but was just told that was what it cost and couldnt offer me an explanation of why it was four times what their website said. They gave me a credit of {$600.00}, but only because I was {$600.00} above the legal limit for closing costs. They didnt pay attention to who they sent out to appraise the house the first time, and the person wasnt licensed to do an appraisal in this zone so they had to send a second appraiser out last minute, but I was promised I wouldnt have to pay for both. Im not sure if they charged me for both anyone and tried to cover it up, or if it was just a scam on their part to see how much extra money they could get. I was a few days away from closing when I got the disclosure and didnt have any time to argue or investigate and had already spent so much time and money that I couldnt afford to back out, so I just paid the money. I feel like there was definitely something off though, this is not the first time Ive bought a house, and I asked someone who has 30 years of experience buying all kinds of property and they agreed {$1400.00} was an outrageous amount to charge

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 2020-09-14
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Attempted to clear up inaccurrate charges for an apartment my daughter rented and I cosigned. The rep ( XXXX XXXX ) attempted to scare me by saying I better get a good lawyer and hang up on me. Their charges include renter 's insurane coverage for an apartment that my daughter did not have access to because she moved out. The charges also include rent for months after she vacated and a {$5.00} a day late charge. I requested a history on the apartment because legally we are not responsible for an apartment after it was leased. Made contact with the apartment community manager XXXX XXXX ( XXXX ) XXXX she acknowledges that we are not responsible for the charges after someone moved in. I've disputed the collection with credit reporting agency and National Credit refuses to correct the charges. They are trying to rip people off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: CarMax, 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:
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
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:
THE DISPUTED ACCOUNT AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE. THIS ACCOUNT IS A CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2018-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 account balance with XXXX XXXX XXXX is {$0.00} and has been for nearly a year now. TransUnion continues to misreport my account even after sending confirmation and proof showing balance is {$0.00}. Multiple complaints filed with TransUnion and they refuse to correct the reporting.

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 2023-06-10
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I called XXXX XXXX XXXX and spoke with someone on XXXX  about I never gave anybody permission to purchase my debt this is illegal, as Im trying to explain to the representative that I was a victim of identity theft the customer service representative hung up on me, just on XX/XX/ I get this certified letter from them about they will sue me if I dont pay it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Worldwide Processing Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They called my family member saying they located me by location services what ever that means. I called and asked them to only send correspondents through the mail and to stop harrasing my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
When XXXX  XXXX  claimed to have taken over my loan from XXXX, I sent two certified letters requesting debt validation. It wasn't until I filed a CFPB claim that they responded with the requested information. During the debt verification request period, XXXX XXXX  continued calling and texting me on a regular basis to collect on the unverified loan. I explained to them what was going on and unless they were calling me with an update of the loan verification paperwork, I didn't want to speak with them. I asked them to stop calling me. After 3 or 4 months of not making payments and not having the loan verified, they reported a missed payment on my credit report. According to the protections under the FCRA, XXXX XXXX was in violation of the FCRA by contacting me to collect payment during the loan verification process and incorrectly reported missed payments on my credit report. Once the loans were verified, I paid all past due amounts and my loan is current as of XX/XX/2021 & has been since the loan was verified. I requested that XXXX XXXX correct the incorrect information on my credit report and they sent a letter saying that they do not offer courtesy credit reporting retractions & that they are not required to investigate certain disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX  accounts In accordance with the Fair Credit Reporting act XXXXXXXX accounts, Fist Francklin financial # 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 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