BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Hi i am an XXXX XXXX veteran who has spent the last 8 months paying off every bit of credit debt i have. Student loans, deliquent debt etc. I am needing my score to equal XXXX so i can use my VA loan for a home purchase. I have battled with XXXX XXXX transunion and XXXX about the lopsided effects happening to my credit score. For instance on the verge of reaching the XXXX goal my credit score dropped 120 pts for no apparent reason setting me back months erasing every gain and putting me farther behind. Just recently i finished paying everything off expecting a similar jump in score and my score only moved 10pts after clearing XXXX $ worth of debt from my name. What is going on with our credit system how can i obtain answers and a remedy so i can no longer be homeless.

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 2020-02-19
Company: Experian Information Solutions Inc.
State: MD
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:
Today I was told by XXXX a supervisor At EXPERION. that I will not be helped. Because they have nots in my file. Have a nice life and hang up on me. ( They are not happy because every month they have fraudulent attempt to lower my score ). And I catch it every time. Attachments show the lies EXPERION tell so at this time they are cleverly displaying that they were not remove therefore see generated score factor. Why why why me lord.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In the beginning of the year of 2017, I received a call from Macy -AMEX Department Stores about a suspicious purchase. I confirmed I did not authorize the purchase. The account was closed and a new account number was opened. I was instructed to check my monthly statement when I receive it and to call if there were any other transactions I did not authorize. As soon as I received my statement, I called to explain I did not authorize a transaction that was posted to my account. However, the company although already aware these transactions were not authorized by me continued to accept these purchases. I have spent numerous hours trying to work with the company to correct these issues however, they have now affected my credit score and ruined my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX/XXXX/2017 I tried to access my Experian credit report under the FCRA due to been denied credit and after providing my information I was denied access to see what is on my report and if there was anything I needed to correct.

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 2020-02-19
Company: Capital Credit and Collection Service, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am having an ongoing issue with a collection agency attempting to collect on a debt which has been disputed to no end by myself and which they have refused to investigate as outlined by the FCRA and with specificity to the Fair Debt Collection Practices Act. 
The company of which I speak is : Capital Credit & Collection. 
On numerous occasions I have disputed with them and requested documentation in hard copy, I have requested information that does not consist of them sending me a bill. They refuse to provide anything other than their bills and their letters threatening and seeking to force payment. 
I am asking this agency 's assistance in this matter. 
The matter needs to be investigated in a timely fashion as I have asked them numerous times, and if it can not be verified, which I believe they can not do since they have always avoided to assist me, then I ask it be removed from XXXX, XXXX  and XXXX  and anywhere else it is being illegally reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Experian Information Solutions Inc.
State: VA
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:
First of all, its confusing to find out why do this account have to be reported twice on my credit report, same account same account number.. Second the account is always paid on time..You have to fix this account, verify and delete it, its always paid on time..I sent numerous letters to credit bureaus but they did not fix it..CFPB step up and fix the account 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 2017-07-07
Company: Account Control Technology, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I received a letter from a collection agency ( Account Control Technology ) in regards to an account they claim I have with XXXX University. I have never attended or applied to this school. On XX/XX/XXXX, I requested a validation of debt, via mail. On XX/XX/XXXX, they sent me an account statement. This account statement appears to claim I was enrolled in the school for the Summer XX/XX/XXXX quarter. This claim is absolutely false. On  XX/XX/XXXX, this account was added to my credit report. I have disputed this claim with the Credit Bureaus. <P/>This is not the first time this school has tried to collect money from me. I have gotten this account removed from my credit report two times : XX/XX/XXXX and XX/XX/XXXX. This debt keeps being re-inserted under different collection agencies. <P/>I have no knowledge of this account and have never applied to nor attended this school.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: TransferWise Ltd
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I opened an account in TRANSFERWISE LTD ( https : //wise.com/ ) in the name of the company : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX with the email XXXX. 

In XXXX XX/XX/XXXX, they contacted me, to tell me, they were going to close my account. 

The account had a balance of {$15000.00} usd, which I requested in XXXX XX/XX/XXXX, to be transferred to a bank account in the name of XXXX XXXX  XXXX of the XXXX XXXX XXXX  XXXX 

In XXXX XX/XX/XXXX, TRANSFERWISE LTD, told me, through their support service, that on my refund, transfer # XXXX, had been completed on XX/XX/XXXX. 

The transfer did not arrive, the receiving bank says they have not received that money. I have requested the transfer receipts, the fedwire or imad code on many occasions by email, but I have not received any response from TRANSFERWISE LTD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Synerprise Consulting Services, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Was contacted by this company one year after visit to hospital from an accident. Hospital bill was covered and when sent a single statement in return I sent a letter and filled out the information for my insurance XX/XX/2019. During three phone calls I was told that they did not receive the information. I asked all three times for a new statement which they said that they would just wait twice, the third time I was directed to a website and told I could submit my insurance information there which was untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Rozlin Financial Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Rozlin Financial just opened a debt t on my credit report as collections .... this account was taken off my credit report as a bankrupcy years ago and now they opened it again ... it was through XXXX ....

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: SUNTRUST BANKS, INC.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Suntrust Bank - XXXX continues to lie to the CFPB and myself. I will attach my Credit Score from XXXX, as you will see it has not dipped below the XXXX mark and on XXXX XXXX, 2017, the date of their inquiry it was approx XXXX, not a score of XXXX as they claimed to the CFPB and myself. They flat out lied. Furthermore their basis of rejection was I believe in violation of discrimination on my discharged Ch XXXX, again they claimed I was still active in this, I was discharged, case is closed.

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 2017-11-10
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I initially disputed this debt with the credit bureaus back in XXXX XXXX, with the results being that the account was verified as being mine. I have since sent the collection agency request for debt validation to the fax number that has been provide by them, however they repeatedly say they did n't get the faxes though the faxes state they were successfully transmitted. I have spoken with a representative at this collection agency and was advised of the company they were collecting on the behalf of. I contacted the company that is listed as the Original Creditor that this collection is " supposedly '' collecting on the behalf of and they do n't have any information in their systems for me nor that I ever had an account with them in any way. I was advised by XXXX at Capstone that they were collecting on behalf of a property management  company by the name of XXXX, after doing extensive research and placing calls to the company that I did find with this name, they have never been affiliated with anyone " supposedly involved '' with this account, not Capstone Credit & Collections nor River Oaks Apartments. In fact, Florida is a state in which companies must be registered and licensed, and the XXXX company I pulled up is not " licensed '' and is not active. 

I have sent them this information and they continue to report this account to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2020 I received a frantic call from the mother of my nephew who said that some lady had just contacted her to tell her that i would be arrested and that charges would be brought out against me at XXXX county if i didnt call them. Then i called them back i was transferred to a guy and he said three charges was being filed against me by ACE CASH Express unless i pay them {$140.00} dollars. This caused so me so much stress and made me so afraid. So i quickly called around and ask my family to let me borrow the money and made the payment because he said i would have to pay XXXX dollars in legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: General Motors Financial Company, 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 status incorrect

Complaint:
Back in 2011 we paid one of our payments on line. We were notified that the payment went thru on their online system. It was n't until months later that we were notified that it did n't go thru. By that time we had 3 -30 day late payments on our credit report since it had put us a payment behind by not having that payment go thru. We were told that the problem would be fixed with the credit bureaus by the company but it never was and we have tried repeatedly to have it removed by disputing it with the credit bureaus with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: BlueChip Financial
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A company by the name of XXXX XXXX XXXX said they purchase a debt from XXXX  and they have been harassing me non stop. Today they cursed me and say they would come to my house ... .I told them if they were legit sue me and not contact me but instead they keep calling. There number is XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has been reporting a Bankruptcy on my public record that does NOT belong to me. Please verify both Bankruptcy listed on my public records Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 

XXXX XXXX XXXX, XXXX XXXX, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Shermeta Law Group, PLLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I contacted Shermeta Law Group, LLC regarding two credit cards with XXXX. I set up a payment arrangement to pay {$100.00} to each of my two accounts every two weeks. I told them I could make my first {$200.00} payment ( {$100.00} on each account ) on XX/XX/XXXX and I was asked for my bank account info and then told I would need to call on the 30th to make the payment. I called on XX/XX/XXXX to make the payment and then when I checked my bank account on Monday, XX/XX/XXXX, I saw that two payments of {$200.00} had been deducted. I contacted my bank but was told they could n't do anything until the payments actually posted. I contacted Shermeta on XX/XX/XXXX and was told I would be given a refund. I was told the reason 2 payments were made was because one was set up as an automatic payment and I called and made the second payment by phone. Apparently their payment system does n't list pending payments and the only way the representative would know it was there is if she reads the notes on the account. If I did n't know that other payment was set up, I would not know to tell her to read the notes! I still have n't received the refund, have received overdraft fees of {$36.00} because of it and have had money needed for other bills held hostage because I work in a XXXX XXXX and ca n't spend every day trying to call them. I called them again today, XX/XX/XXXX, but they close at XXXX XXXX and I could n't call until my lunch break. I am still without the money and even though I have disputed it with my bank, that can take 45-90 days to resolve. I just want the refund I was promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Accounts : XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : $ - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : $ - Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2019-08-05
Company: Nicholas Financial Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/272019, I requested Nicholas Financial to send me any documentation via mail that legally allows them to report to my credit report.  I have yet to get a reply to this letter.  I sent an additional request for the same information on XX/XX/2019, and again, received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
It has come to my attention that Wells Fargo has issued a Non Sufficient Funds fee for an unauthorized transaction. On XX/XX/XXXX I incurred a {$35.00} fee for the following transaction : {$12.00} XXXX XXXX XXXX A previous conversation with Wells Fargo indicated that withdrawals from XXXX were unauthorized. Wells Fargo informed me they would issue a stop-payment on all future withdrawals from XXXX. However, Wells Fargo continues to fine me {$35.00} per XXXX withdrawal attempt. 

The Non Sufficient Funds fee created a domino effect of two more Over Draft fees and Non Sufficient Fund fees. These fees were incurred XX/XX/XXXX. 

I am also concerned that Wells Fargo is rearranging debits and credits, causing my bank balance to fall below {$0.00}. I believe this is done in an attempt to maximize Over Draft and Non Sufficient Funds fees. 

Total fees incurred are ( {$35.00} + {$35.00} + {$35.00} ) =  {$100.00}

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