BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
o Whom it May Concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection agency refuses to honor written agreement they accepted when they accepted payment

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 2018-03-27
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2018, The XXXX XXXX XXXX on behalf, XXXX on behalf of XXXX XXXX XXXX   sent me a request of {$5500.00} of credit debt, which I believe was a result of identity theft. 
I have filed the police report and sent the law firm an affidavit describing the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2019, Navient withdrew {$790.00} from my checking account without my permission. This left me with {$46.00} for the month. I did not realize the withdrawal had been made until late in the evening on XX/XX/2019, which was a Friday. Navient was no longer open and is not open on the weekends, so I had to wait till Monday morning to call them to request it be returned to my account. I was told that the earliest the money could be refunded was 30 days, but they would mark it as urgent, which would mean it would be refunded between XXXX XXXX, which was still 2-3 weeks away. I was told by Navient that they took the money out because I had put it on autopay, which is completely false. I don't have a steady income, and would never put my account on autopay. I have nothing on autopay. Again, after they took the money from my account, I only had {$46.00} left in my account. Once the other pending charges from the weekend went through, my account went into overdraft, and now I have overdraft fees. This has caused literally all of my other responsibilities to be late. I can't pay for my health insurance, I can't even afford to put gas in my car so I can't get to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: WELLS FARGO & COMPANY
State: NY
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:
I was looking for information about rates for refinancing my new car to a lower rate, on XXXX XXXX. There is no written explanation of who they are giving information to to allow them to start hard inquiries on their own. I received two unsolicited hard inquiries from different companies, which has hurt my credit. One was a used car dealership, Wells Fargo. I was NOT looking for a loan for a car. I was looking to refinance. XXXX XXXX told me to call Wells Fargo Dealership services to have this removed. Wells Fargo told me to call XXXX XXXX  to have it removed. No help from either. I feel that this is unfair and unsolicited. What is the law, in that I could have, say, 20 hard inquiries to look for a refinance? Where does this end? I had to lock my credit report so that there would be no more hard inquiries. All I am asking is that they excuse a hard inquirry from my report. They will not help and were rude about it, and taking no responsibility for this at all.

XXXX XXXX will send your information to many different companies ( reputable or not ) and you will see multiple hard inquiries when you didn't even ask for a loan. Just was seeing what is out there in regards to refinancing.

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 2019-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 had an unauthorized hard inquiry on my credit report with XXXX. I contacted them and are investigating. Someone opened an account with my name. I did not. It was an inquiry for credit dated between XX/XX/2019 and XX/XX/2019.

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 2019-04-01
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:
XXXX, XXXX  and experian has some inquiries and accounts on my credit report that are not mine. 
last four of social that is not mine : XXXX not mine INQUIRIES that are not mine : XXXX XXXX  XXXX not mine XXXX XXXX XXXX- not mine XXXX not mine XXXX XXXX XXXX-not mine XXXX XXXX-not mine XXXX XXXX XXXX- not mine XXXX XXXX XXXX XXXX not mine XXXX-not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXXXXXX XXXX XXXX- not mine XXXX XXXX XXXX XXXX not mine XXXX not mine accounts that are not mine : Creditor : XXXX XXXX XXXX Account : XXXX I have no knowledge of this account XXXX  XXXX XXXX Account : XXXX I have no knowledge of this account Creditor : XXXX XXXX XXXX Account : XXXX I have no knowledge of this account 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 2017-12-11
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I 'm being misled by my student loan servicer. They 're named Nelnet. Here 's how Nelnet misleads people : 1. You make payments online - in my case I 've made four payments online over the past three months.

2. You get an email confirming your payment - The emails literally say " Thank you for your payment. '' They show the payment amount, payment date, even the routing number and account number. I got these confirmations every time. All information listed was correct in each case. I know because I checked with my bank and with Nelnet. 

3. This confirmation email is meaningless and misleading because you get them even if your payment is n't processed - For reasons neither Nelnet or my bank could explain, none of the payments were processed. 

4. No follow-up email is sent to alert borrowers that their payment was not successfully processed - again, incredibly concerning and misleading. 

5. Meanwhile, interest on your loan keeps piling up even though you think you 're paying off your loan - Nelnet benefits at the figurative and literal expense of borrowers like me trying to do the right thing. 

6. When I realized what was happening, I immediately made Nelnet aware. I asked for the interest to be waived. Nelnet refused saying that it was " impossible. '' To recap : I paid my student loan payments to Nelnet online. They sent me confirmation emails that said " Thank you for your payment. '' Yet they never received such payments. And they never told me that my payments had not been processed. Meanwhile, interest accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: EQUIFAX, INC.
State: MS
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 recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
There were fee assessed XXXXXXXXXXXX  account and they closed bec6refuse to pay fees I wasn't aware of

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 2019-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 did a voluntary surrender of my vehicle back in XXXX of XXXX due to unforeseen circumstances I was not able to keep up with the payments. XXXX XXXX XXXX had sent me a Notice of Repossession and Notice of Plan to Sell Property letter. I have never received the Deficiency letter to let me know what the car had sold for or any other correspondences in this matter. I thought this was a closed deal until I pulled my credit report in XXXX and it was on there for {$12000.00} as a Closed/Charge-off account. I have been trying to get this information from XXXX XXXX XXXX via phone with the first call be around the XXXX or XXXX of XX/XX/XXXX. I have made multiple calls since then with them telling me that this information was in a queue and would be e-mailed/mailed to me by the next day, I have never received anything. I have also mailed a certified letter to XXXX requesting these documents by XX/XX/XXXX with no luck also. I did however receive a copy of my signed contract via email on XX/XX/XXXX. I followed up with a phone call asking when I can expect to receive the other documents that I have requested and she said that I would receive the Deficiency Letter in a few hours via e-mail and the payment history in 24-48 hours and as of today I have not received 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
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit 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 2021-04-09
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 demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXXXXXXXXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} N/A XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} N/A XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
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:
I XXXX XXXX PULLED MY CREDIT REPORT AND NOTICE THERE WERE A LOT OF THINGS THAT WERE NOT MINE, AND I SENT IN A LETTER TO HAVE THE ITEMS VALIDATED OR REMOVED AND I HAVE NOT HEARD ANYTHING BACK YET. I NEED ANSWERS, PLEASE. This is hurting my chances of moving into a new place.

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 2019-04-01
Company: Experian Information Solutions Inc.
State: PA
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 did a voluntary surrender of my vehicle back in XXXX of XXXX due to unforeseen circumstances I was not able to keep up with the payments. XXXX XXXX XXXX had sent me a Notice of Repossession and Notice of Plan to Sell Property letter. I have never received the Deficiency letter to let me know what the car had sold for or any other correspondences in this matter. I thought this was a closed deal until I pulled my credit report in XXXX and it was on there for {$12000.00} as a Closed/Charge-off account. I have been trying to get this information from XXXX XXXX XXXX via phone with the first call be around the XXXX or XXXX of XX/XX/XXXX. I have made multiple calls since then with them telling me that this information was in a queue and would be e-mailed/mailed to me by the next day, I have never received anything. I have also mailed a certified letter to XXXX requesting these documents by XX/XX/XXXX with no luck also. I did however receive a copy of my signed contract via email on XX/XX/XXXX. I followed up with a phone call asking when I can expect to receive the other documents that I have requested and she said that I would receive the Deficiency Letter in a few hours via e-mail and the payment history in 24-48 hours and as of today I have not received 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
Consumer complaint received 2021-04-09
Company: EQUIFAX, 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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 60 days later, I have not received a response. I feel like I am being taken advantage of and my disputes are being ignored. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress that this ordeal has caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I made a my XXXX payment to LoanMe on XX/XX/XXXX. The due date was XX/XX/XXXX. I have a confirmation of payment received. LoanMe has contacted me every day since XX/XX/XXXX multiple times a day to collect the payment. I have explained to multiple employees that the payment was already made and confirmed and I still continue to receive calls from them trying to collect the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have had a personal American Express and a Business American Express ( OPEN ) since XX/XX/XXXX. This complaint is about the Business American Express. I used the OPEN for my XXXX as revolving cash for several years. I had balances over {$50000.00} at times. In XX/XX/XXXX, the balance was over {$25000.00}. By XX/XX/XXXX, the balance had dropped to under {$1000.00}. In XX/XX/XXXX, American Express notified me that they were cancelling my " pay as you go '' ( revolving ) and lowering my limit immediately. They claimed it was due to negative credit on my credit report. However, this was not true. 
There was no negative credit and my credit score was consistent. In fact, I refinanced a {$180000.00} mortgage in XX/XX/XXXX with no problem. 

We had just opened a big project and this immediately paying off a big balance ( about {$25000.00} ) was problematic. I called American Express and they suggested that I go on a payment plan. When the payment plan was complete, my card would be good to continue use. I agreed. I made 100 % of the payments on time during the payment plan. However, American Express cancelled the card during the payment plan. 

When the payment plan was complete, American Express demanded the remaining balance of about {$7200.00}. I had not idea this was coming. American Express had unilaterally reduced the credit line, unilaterally cancelled the card, and unlaterally called it due to no reason. I asked to simply continuing paying the $ XXXX/month and the balance would be retired in 9 months. They said NO. I wrote a letter to the president of the American Express. The executive office called me and told me there would do NOTHING to help. 

Note that I had ALWAYS made payments as agreed on the both cards ; there was NO problem with my credit. I simply want to retire the debt and move on. 

Since then, I have received harassing calls from American Express. American Express employee, XXXX XXXX, threatened to turn over the account to outside collections. XXXX XXXX is going to call the personal account fully due and turn it over to collections as well. He promised to " ruin my credit ''. Note that both the personal card and the business card have been paid as agreed always. This seems completely unnecessary. I am willing to pay. I just need a few months. 

I have had relationships with many mortgage companies and other credit cards for over 25 years and have maintained perfect credit. 

American Express purposefully ruining my credit is highly damaging to our real estate business as we are dependent on credit to purchase properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I just received a collection letter from RPM Receivables Performance Management LLC. dated as XX/XX/2018 demanding a Payment of {$570.00}. 
I don't know where this debt is coming from then for I will formally dispute it. 
I want to ask the CFPB in my behalf to request this debt collector XXXX to cease and desist any collections efforts because the fact I don't owe nothing to XXXX. ( Since Now I know I will file an complaint against them with the FCC for doing this, using different debt collectors to pursue an amount that I don't owe them Since I believe there is another debt Collector its name is XXXX XXXX I opened a complaint against them CFPB # XXXX ( also trying to pursue the same alleged debt ) checking in the CFPB system this company XXXX XXXX   return the complaint at least twice to the CFPB stating " The company responded that they are not the appropriate company to address your issue.The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information '' I'm attaching the other debt collector copy of the letter I received after I filed against them and now they are denying to the CFPB they are the ones did the harassment phone calls well with this letter it shows they tried to avoid to respond my complaint to the CFPB.Clearly this company is violating my consumer rights under the FCPA

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