BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 was advised by my credit reporting company to get copies of my credit reports. 

I requested 3 reports. It only showed my XXXX  report, but not the other 2 reporting companies. 

I am unable to identify information that is on my report, ( lack of company names and identifiable information ). 

I was unable to get through to Annual Credit Report. 

Unable to speak to a customer service rep. 

Unable to resolve. 

There is no place on their website to request all three to be mailed, only print, the only one was XXXX, NOT Trans Union or 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 2018-04-10
Company: EQUIFAX, INC.
State: MA
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 was advised by my credit reporting company to get copies of my credit reports. 

I requested 3 reports. It only showed my XXXX report, but not the other 2 reporting companies. 

I am unable to identify information that is on my report, ( lack of company names and identifiable information ). 

I was unable to get through to Annual Credit Report. 

Unable to speak to a customer service rep. 

Unable to resolve. 

There is no place on their website to request all three to be mailed, only print, the only one was XXXX, NOT XXXX XXXX or Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shortly after receiving a " new loan servicer '' letter indicating that XXXX XXXX XXXX XXXX had purchased the paper on my loan, I received the first statement indicating the first payment for loan number XXXX was due on XX/XX/18 in the amount of {$1500.00} ( see attachment " 1st Stmnt '' ). 

In an effort to make the aforementioned payment, and all subsequent payments, online via ACH, I attempted to create an online account with XXXX. However, I was unable to create an online account as the website prompted an error message stating that the account number provided was not valid. I called XXXX XXXX customer service at XXXX to help with account creation problem. The customer service agent told me that a paper check was required on the initial payment and a new account number would be assigned to me granting online access after the paper check submission. I mailed a paper check on XX/XX/18 that cleared my bank on XX/XX/18 ( see attached " cleared check ''. 

On XX/XX/18, I received a statement for XX/XX/18 with a different account number. The statement did not reflect my previous payment 's application towards the principal balance ( see attachment " XXXX Stmnt '' ). 

I have made seven ( 7 ) phone calls to XXXX 's customer service department since XXXX ( 42 days ) and emailed all the information XXXX requested ( copies of statements, cleared checks, etc. ) in an effort to have my payment applied to my loan balances. Every phone conversation ends with the agent stating someone will contact me back by days end and they will have a resolution with-in two weeks. Neither of the two have happened. 

Out of fear that I am being scammed out of payments, I want to pay the loan off in completion cutting ties with XXXX XXXX XXXX ; but I can not pay the loan off as I can not get an accurate final balance figure from XXXX that reflects all my payments. I hope this is not common practice for XXXX and happening to others on a larger scale as this should be a simple accounting journal entry fix but XXXX continually leaves me in the dark with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to my investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates have repeatedly harassed me in the form of phone calls to get me to pay this debt I don't owe due to identity theft. Now they're threatening litigation, which they legally can not do because they have the wrong person. Whatever amount they're claiming I owe, this isn't true. Everything they do is in fraud. In fact, they're known to have people pay in full, and then charge them again and again to pay ( after it's paid off ). This company is known to call up daily before, during and after working hours. I have repeatedly reported them to the FTC for breaking the do not call list. Everything this company does is fraudulent when it comes to debt collection, and I'm not paying them anything because they have the wrong person. Their behavior must stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Tribal Lending Enterprise, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Approximately three months ago ( i.e. XX/XX/2019 ) I began receiving SMS text messages suggesting that I had a delinquent loan. The messages were vague, but after receiving several of them, I called the number from which they originated. The person at the other end identified herself as an employee of Golden Valley Lending, and asserted I had taken a {$700.00} loan from the company she represented. I had, until that day, never heard of Golden Valley Lending, and definitely had not taken a {$700.00} loan from anyone. I said as much and, after a short exchange, determined the call was a phishing scam, and hung up. 

Since that time, I have received not less than 8 calls from Golden Valley Lending per week, originating from numerous different phone numbers. The most recent two are : * (  XXXX ) XXXX * ( XXXX ) XXXX I've blacklisted each new number as I've received the calls, which all adhere to the following format ( paraphrased ) : Golden Valley Lending : "  Is [ My Name ] available '' Me : " This is [ My Name ] '' GVL : " This is [ fill in name ] with Golden Valley Lending. We're calling to discuss the status of your account '' Me : " I do not have an account with you ; I've never opened an account with you. '' GVL : " That's not what our records show. '' Me : " I can't account for your records, but we don't have anything to discuss. '' GVL : " Good luck with that. These calls will continue. '' <call is disconnected> I have repeatedly asked to be removed from their call list, and been denied. I have repeatedly asked for a written record of my debt, and have never seen one.  I have received one printed letter via USPS, again vaguely suggesting I need to address some kind of debt-related issue but without any account number, amount, clear indication that the letter is an attempt to collect a debt, advisory of my rights, etc. It seemed to be merely a form letter that looked like it was designed to get me to call their office. 

I have checked my credit reports with three agencies to confirm no debt has been reported in the amount Golden Valley Lending has asserted. I have received no official attempt to collect a debt, and my credit score remains unblemished even though I've been ignoring these calls, more or less, for months.

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 2018-07-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I mailed an investigation request to Equifax, XXXX, and XXXX XXXX. The bureaus are supposed to conduct an investigation and respond within 30 days. As of today, neither of the bureaus have responded, and more than 30 days have passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I had a Gap card issued through Synchrony Bank. My account was in good standing but closed due to what they called an unfavorable score on my credit report. Prior to the pandemic my accounts were all in good standing and most are still today. This has shown up on my credit report which now further affects what is deemed my creditworthiness for a situation that was completely out of my control and an account that has always been in good standing.

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 2020-08-26
Company: AMERICAN EXPRESS COMPANY
State: DE
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 a loan with AMEX, XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AMEX, XXXX XXXX, and XXXX XXXX  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Made defer arrangements car payment with Ally Financial by phone. Their representative who acted on their behalf said eligible, sent paperwork, and I sent $ $ as told to make active defer as told. Case # XXXX. Two month defer beginning and including XX/XX/2018 if I sent in {$160.00} and I did and got confirm for that. Was told I have to pay more money to them XX/XX/XXXX for {$110.00}. Ally harassment of me non stop. Two sample days on phone harassment : XX/XX/2018 : XXXX XXXX., XXXX XXXX   ; XXXX XXXX  phone calls. XX/XX/XXXX : XXXX XXXX, XXXX XXXX  ; XXXX XXXX Harassment began day after they got my . Tried working with them calmly when they began harassment. Did not work. Advised them not to call any more. Did not work. Began yelling and cursing at them doesn't work. Put phone status on not accepting any calls. Now they are sending threatening letters and got my first one on XX/XX/XXXX in PO Box . It is dated in XX/XX/XXXX and telling me I have until XX/XX/XXXX or they will take action. They also charged my checking account after date of defer causing more fees to me. XXXX XXXX XXXX vehicle

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 2020-08-31
Company: ERC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To Whom It May Concern, I'm writing this complaint in reference to my recent interaction with Wells Fargo Dealer Services. I've reached out to WFDS on 3 occasions via USPS mail, with zero responses back from anyone at the company. 

My account was closed on XX/XX/2014 and it was originally reported that I owed {$610.00}. I then disputed this amount, with all three credit bureaus. Sometime in late XXXX / Early XXXX, this amount owed was removed from all three bureaus/reports. 

WellsFargo Dealer Services still continues to report this as a charge off. 71 charge offs to be exact, and each month a new charge off is added. This is destroying my credit score and is major red flag to future lenders. 

I find it unprofessional and unacceptable, WFDS hasn't responded, or attempted to rectify the complete error in their reporting to all three credit bureaus. 

I've included all three letters that I've sent to WFDS.

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 2018-10-09
Company: FIRST HERITAGE CREDIT LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I filed an original complaint against First Heritage Credit in XX/XX/2018 because they continued to contact me at work after I told them back in XX/XX/2018 to remove my work number and not contact me at the number again. They continued to contact me there on multiple occasions. I filed the original complaint, to which the company responded saying that no calls had been made since I instructed them not to back in XX/XX/XXXX. That was a complete lie. 

Today, XX/XX/2018 at XXXX XXXX, XXXX XXXX at the XXXX location of 1st Heritage Credit contacted me again at my work number. I asked her for her full name, which branch she was calling from and who her manager was. She provided this information. I asked to speak with XXXX, who she said was the branch manager. I asked XXXX why she was contacting me at work, after they have been told repeatedly not to contact me at that number. XXXX said he was not aware of her calling my work number and apologized. I asked why my work number was still in their system, as I had previously been told it had been deleted. He said he wasn't sure, made a reference about his DM that I didn't understand, and said he would make sure it was removed. I told him I had already filed a complaint with the CFPB and that I would be filing another one. I hung up with XXXX and then called XXXX XXXX, who wrote the response on behalf of 1st Heritage for the initial complaint. I told her who I was, what had happened that instructed her to get her XXXX branch under control. I also informed her that I would be filing another complaint with the CFPB. I then hung up. 

They continue to harass me and put my job in jeopardy. I want them fined this time around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-26
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: Was not notified of investigation status or results

Complaint:
I am very XXXX! My underlying reaction to the inaccurate thing on my acknowledge report sent as expressed in a previous message on XXXX. Today is XXXX. Commonly by law, you should react within 30 days. During these troublesome occasions, all of you have been given an expansion which I comprehend. In any case, it has been well over the augmentation period given. I have prompted you on in excess of XXXX unique events. I am beginning to accept this is a slow down strategy on you folks ' end. I interest in your organization eliminates this blunder from my credit report or face case. In the event that you don't eliminate this off-base data quickly, I will document a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my reports and types of correspondence with you on this issue simply if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to participate. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered answerable for your choice not to not consent. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy important necessities to get by during this troublesome monetary period. In the event that your next reaction to me is definitely not a unique application with my mark on it or a letter expressing that the deceptive data that is infringing upon the Fair Credit Reporting Act isn't erased I will proceed with my FTC objection. As demonstrated by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your itemizing organizations could fax, mail, or email in a bogus record. I interest to see apparent proof ( i.e. : a remarkable buyer contract with my imprint on it ) that you have on the archive for the record recorded underneath. 

Your powerlessness to emphatically check these records has hurt my ability to get credit. Under the FCRA, off base and strange data must be erased from a customer 's 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 2020-08-24
Company: TD BANK US HOLDING COMPANY
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:
The item on my credit report, TD Bank XXXX/TARGETCREDIT, which is a revolving credit account that has been closed, is inaccurate because the current balance of {$300.00} should now be updated to {$0.00} balance, due to a settlement agreement ( please see attached copy of settlement agreement and terms ) which I have complied with all stated requirements in agreement. The settlement agreement states that I am to pay {$250.00} on or before XX/XX/2020, to collection agency XXXX XXXX XXXX XXXX XXXX XXXX who represents TD Bank XXXX/TARGETCREDIT for the debt owed. Additionally, I was to sign and return original settlement agreement to collection agency XXXX XXXX XXXX XXXX XXXX XXXX 
I made payment for {$250.00} on XX/XX/2020, ( please see attached proof of payment with date ) and have signed and returned original settlement agreement to address listed on paid postage envelope provided by collection agency XXXX XXXX XXXX XXXX XXXX XXXX that represents TD Bank XXXXTARGETCREDIT ( please see attached settlement agreement copy that I have provided for record ). 

I have been unsuccessful with disputing and having the balance updated to reflect {$0.00} with all three credit bureaus ; XXXX, XXXX  and XXXX. I have also reached out to Target over several months and they still have not corrected what has been reported to credit bureaus. They show my payment I made but have not complied with the settlement agreement with collection agency representing them. I have included the settlement agreement and letters sent to credit bureaus, this after several attempts to dispute remaining balance on my credit reports and reaching out to Target over several months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
West lake financial returned my vehicle as agreed on XX/XX/XXXX. We were informed that the vehicle was in the same condition as when it was picked up 6 months ago. We have been working with XXXX XXXX. When the car was delivered it was NOT in running condition and the key was broken off in the ignition the car has no power and is not running. My mother has made several calls with no answer. One additional call was placed this morning to XXXX which is XXXX number at west lake that has now been disconnected. Since my loan falls under the SRCA it was rewritten following those guidelines. As you can see in the attached documents westlake states the car is in running condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Experian Information Solutions Inc.
State: GA
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 have filed a complaint recently against XXXX, i has ask XXXX to remove all credit inquiries off my credit report because I did not recognize any of these inquiries they have failed to delete thee off my credit report I took screen shots to show that there still on my report, some of these inquiries are on my XXXX  credit report twice I will provide a FTC identity theft report and the screen shots these screen shots were taking today XX/XX/2020, I want these removed off my report, I was told by a rep from the Consumer Financial Protection Bureau to feel another complaint since these inquiries was not removed from my report thank you, please have XXXX  remove these remaining inquiries I do not recognize

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