BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To lower New Military Mortgage interest rate We applied for a Mortgage LOAN # XXXX all three Credit company lower a Score plus Stated KEY FACTOR THAT ADVERSELY AFFECTED YOUR CREDIT SCORE All 3 Credit Company stated : 39 SERIOUS DELINQUENCY 18 NUMBER OF ACCOUNTS WITH DELINQUENCY 1- PROPORTION OF BALANCE TO CREDIT LIMITS AND OTHER Volving Accounts Only bill i own at this Date is XXXX XXXX {$130.00} had a XXXX XXXX and will correct that problem Soon XXXX XXXX XXXX I Paid both card in full with interest $ XXXX {$4000.00} card and $ XXXX {$2000.00} XXXX XXXX cancelled both card right after payment XX/XX/2018 XX/XX/2018 i paid in full my two credit card due to high interest rate closed XX/XX/2018 I was still being charge on an close account The only bill i have current is XXXX Credit card Car Insurance and Mortgage in the last two month XXXX is changing monthly Annual fee taking i pay on the 2-3 every month, XXXX Is Now taken 7-10 to clear my Debit card making me pass my due date plus over my limit with Annual Charges i never pay the min, I was told i cant use my car without payin in Full Plus my name Is spelled XXXX XXXX XXXX or XXXX XXXX XXXX ( only ) There is no sir name SR or XXXX XXXX, or XXXX XXXX XXXX , or XXXX XXXX XXXX  Please Correct thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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 2019-09-05
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 a Victim of Identity Theft I did not Authorize any of these 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 non-monetary relief
Consumer complaint received 2018-11-24
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
It is time for me to recertify my Income Driven Repayment plan for my student loans. I submitted my request on XX/XX/2018 and I was told I would receive a follow up email a month ago, each day the due date keeps getting pushed back. Now I am supposed to receive email on XX/XX/2018. I haven't received an email. I've asked them what is going on, and haven't received a reply. 

Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I XXXX XXXX has Incorrect personal Information is showing on my credit report. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 

Remove Names XXXX XXXX, XXXX XXXX XXXX XXXX Remove Names And addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX It has been over 30 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05
Company: The Outsource Group, Inc
State: NV
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:
I paid account in full to Medicredit when they called and asked me to pay, they told me they would submit it to the credit bureau to be showed as paid within a month. It has now been 5 months ( I paid it in XXXX ) and they have yet to report it as paid. They are ruining my credit and ability to refinance my house. I believe I have given them ample time to correct it and they still have not fixed it.

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 2018-11-24
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX of this year I had made a payment arrangements for southwest Credit to take payments on the behalf of XXXX XXXX and something happened and the payment didn't happen I sent in checks totaling {$300.00} to them on XXXX and first told they didn't receive my payment then when I had XXXX XXXX the actual debtor call and southwest told the representative that the checks were going to be sent back to me I called and were told and confirmed that my check were in the mail now XXXX giving me until the XX/XX/XXXX to make the payment and southwest said on XX/XX/XXXX its mailed to my P. O. Box address I provided but now to be told my check were mailed to another address the priority mail XXXX XXXX XXXX XXXX XXXX XXXX United States postal service

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent a dispute letter on XX/XX/XXXX through Certified Mail to XXXX requesting a reinvestigation and the Method of Verification for an account on my credit profile through XXXX. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX accusing Wells Fargo Atm Specialists in the case of XXXX XXXX XXXX XXXX of fraud and transphobia in the Atm department at the Wells Fargo XXXX XXXX XXXX Ca XXXX 
The atm XXXX told med told me I had won the case and I spent the money. No staff explained to me, to save the money just in case, the case doesn't go in your favor. 
I believe XXXX XXXX are a fraudulent online business, and they work out of XXXX XXXX XXXX and you can not call or get a hold of anyone except online via email. XXXX reporting this business to the FBI Fraud unit and Wells Fargo XXXX XXXX XXXX as well. For not making it clear on my case and because of your lack of good communication. XXXX out of my ssi check for the month and have no way to pay mortgage food, utilities and pay bills. Wells Fargo bank and staff have put me in a compromising and hardship position. And my credit possibly affected. Wells Fargo bank didn't not take care of me as a customer. XXXX in a precarious situation because of their lack of communication and transphobia. I don't know how many times I have said i go by he him and his and my name is XXXX. I get dismissed or blamed on the phone line. 
In one day, XXXX in the negative approx. {$2400.00}. from a credit reversal that no one said anything to me about. This decision is based on no evidence of manuscript, and I thought I had won, and I didn't get a chance to show my emails evidence, all gone and the XXXX has all the control and emails. I thought I had won by a letter from Wells Fargo sent me in the mail, putting back the money and fought for me and I had won and deleted the account and 3 months later get hit with a negative balance that affects my lively hood. Financially Wells Fargo actions, put me in the 6 feet underground. I don't have an account with XXXX. They have all my pictures, notes and work. They broke the contract by talking to you. And did they show you the email the collaborator writer said she would give back the {$1500.00} she didn't do the work. I wanted to discuss the {$980.00} I didn't believe the collaborator did about {$500.00} worth of work. Not professional writing and a huge disappointment. I was on a time payment schedule to make timely payments and the 2nd payment isn't ok for the changemakers to have. This is stealing. That is my money. For work that wasn't done. I talked with the writer after the money was sent on the agree contract. I have called the FBI and another business organization that will investigate this matter with XXXX XXXX and Wells Fargo in XXXX  Ca. The company has everything. They have the control. This is a Fraudulent business. I need help proving this. Thank you.

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 2018-11-25
Company: GVA Holdings, LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/18 I received a payday installment loan of {$550.00} from Bright Lending. As of XX/XX/18 I have paid a total of {$740.00} to Bright Lending ( more than covering the cost of the loan ). Despite paying the loan off, my balance according to the website is {$580.00} ( more than the original loan amount!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XXXX XXXX XX/XX/2022 ; 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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2020-11-05
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In 2015 I was involved in an accident, which resulted in my vehicle being deemed a total loss. On XX/XX/15 my insurance company, XXXX XXXX , paid Regional Acceptance Corporation {$12000.00}, the fair market value. Any deficiency was covered by my Gap Insurance with XXXX XXXX XXXX. 

I received information my account was paid in full. However, it is currently showing up on my credit report as a chargeoff with numerous late payments. This is inaccurate. 

I've requested a full accounting record from Regional Acceptance, and disputed this matter with the credit bureaus requesting this inaccurate information be completely removed from all credit bureaus. To date, I have not received a full accounting record of all charges, and the information is still appearing as a derogatory mark on my credit reports.

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 2017-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On  XXXX / XXXX /  XXXX  ,  XXXX  inquiries I did not initiate.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX  remove from my report at all   XXXX   credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
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:
I give Consumer Financial Protection Bureau authorization to communicate, investigate and be the third party on my behalf. I have constantly sent Experian notices to update an account XXXX  to XXXX balance since XXXX. Experian uses tactics such as they do not have me in the system under my name when communicating back to CFPB yet they are easily reporting incorrect data under my file. Experian has proof of who I and I've sent my social security and driver 's license. Experian is continuing to VIOLATE my rights. When will the violations and inaccurate reportings stop? Attached is a drover license.

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 dont recognize these hard inquiries or ever did them myself.

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 2020-07-31
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Cash App has froze my account with {$250.00} for 2 months. I received another {$250.00} payment so now there is {$500.00} on Cash app that they will not allow me to access. On XX/XX/XXXX I submitted a request to verify my account so that I can withdraw and deposit bitcoin. XXXX with Cash App support instructed me to upload a selfie of me holding my license and photos of the front and back of my license to a website which she provided the link to. Upon doing so, I was notified that the verification was not accepted. I then contact cash app support on XX/XX/XXXX for assistance. They responded on XX/XX/XXXX indicating that the account was verified in XXXX of XXXX by XXXX and that they have frozen the account until they complete verification. I responded on XX/XX/XXXX requesting the requirements for verification and since then there has been no indication of what is required to unfreeze my account. I have replied to the emails they have sent. I have created new inquiries via the actual cash app. I have sent direct messages via XXXX to cash app support. And I did receive a response from them indicating that someone has my case and will be contacting me and still nothing. I received a payment of {$250.00} on XX/XX/XXXX and have been unable to cash out or use the funds as my account is frozen. I received another payment for {$250.00} on XX/XX/XXXX. Now there is {$500.00} in my account that I can not use. This is the worst customer experience I have ever had in my life. I have cried over and over as this is money that I need to survive. I have had late fees aasessed and all types of financial inconveniences steming from this issue. I explained to them that my cash app account is on my girlfriend 's phone because she manages my household 's finances. She is able to use the cash app as she so chooses as do I. The account itself was not verified by XXXX in XXXX they are simply associating my account with her number which should not be the case. If you are able to open several accounts they should let you know that it will be linked to the initial account that was setup on that phone number. Even if that is the case the verification is for XXXX not for XXXX and I have provided exactly what they asked for. The bank account linked is to XXXX not XXXX the only thing linking anything is merely her phone number. There is no reason to freeze an account based on the same phone number if the name on the account, the name on the bank account, and the verification all line up. This has been an unbelievably frustrating issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX  days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/21, I received a text from what I believed to be Wells Fargo Bank. It stated that there was an attempted XXXX transfer of {$3500.00}, & asked me did I approve this transaction. I replied " NO. '' Later that day I received a call from what I thought was Wells Fargo ( per the caller ID ). The caller said he was with Wells Fargo, referred to the above-mentioned transaction, & told me that in order to reverse this transaction, I had to go into my account online & follow his instructions. I went into my account, & he then had me : 1 ) set up an account in my name with XXXX XXXX & 2 ) XXXX transfer {$1000.00} from my savings account to this new XXXX account. He also talked me through setting up a wire transfer of {$1400.00} from my checking account ; I was later able to cancel this transaction. He then told me not to log in to my account for XXXX hours. When the call ended, I was suspicious & I called Wells Fargo & was connected to the Fraud Dept. They informed me that this is a current scam, & it was unlikely that I woud get my money back because XXXX is a cash transaction. They did open up a claim, # XXXX. I received a letter from Wells Fargo today, with their final determination, & then called them. I was told that this scam was not considered fraud & I woud not be reimbursed. I am a retiree on a fixed monthly income, & needed that {$1000.00} to pay bills. I

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