BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX  Opened on XX/XX/2020 and was paid off by consumer. Loan was paid off and submitted to Transunion and all other credit bureaus. Unfortunately the credit bureaus are the ones that did not update the credit reports to show, my XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX was closed and paid in full.

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 2018-12-06
Company: EQUIFAX, 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:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I was a victim of what some would call a scam that involved a motel called XXXX XXXX XXXX in XXXX XXXX, North Carolina. I was not given the type of room that was expected when I arrived on XX/XX/2018. Because the room was shabby and didn't meet my expectations so I refused to stay there. I've contacted the consumer protection agency of North Carolina about my experience and did not get satisfactory help. Most importantly my credit card company was notified immediately the same day about my problem. I was asked to submit all the necessary documentation to prove my case to Capital One so that funds would not be taken from my card for this motel. I sent more than enough information to prove my case but again was denied and therefor was stuck with paying for a XXXX dollar 2 night stay that didn't happen. I've been a customer with Capital One for over 10 years and have never asked for a refund on anything until now. I don't think Capital One had my best interest in this matter because like most companies it's not gon na benefit them if the money was not charged to my account. From all the negative feedback that I submitted from other tenants about this motel it was clearly evident that this merchant was scamming me for my money. Capital One did not care about this and did not give me the representation that they should have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: Experian Information Solutions Inc.
State: NJ
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'd Really like for Experian to take a look at the negative item that Ive listed below, because Ive tried again and again to make sense of what Im seeing. unfortunately. I cant make heads or tails of this and need your help Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. if you would, please investigate these item and send me a new credit report reflecting the changes ( I would appreciate it if youd expedite this because i need to apply for a job ). if you really look at the info that ive provided, youll see why ive said these arent reported correctly what i cant figure out is why im seeing this information to begin with, because arent you supposed to verify everything before it every hits my credit report i really dont think that youve done this so i would really like for you to fix this now. please investigate the following account : XXXX XXXX  # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is an updated complaint to Complaint # XXXX. XXXX and TransUnion continue to report inaccurate information after their investigations. 

Confirmation # XXXX dated XX/XX/XXXX, from XXXX  shows inaccurate information with XXXX XXXX XXXX for 2 accounts : Account # XXXX and account number XXXX. 
Account number XXXX has been changed to less than the true amount paid which was XXXX. It is now reduced to XXXX. 

Account # XXXX, this account should have closed XX/XX/XXXXper my original request, payments were made on this account between XX/XX/XXXX and XX/XX/XXXX that are un accounted for with no explanation by the creditor, leaving the amount owing, dates of service and past due amounts-if any? both erroneous, tainted and proves no actual investigation done from either agency.

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 2021-06-21
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received debit card with number to call for an account I never opened. Number provided for bank customer service busy for over an hour. Penned Credit Union.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed with Transunion and XXXX  on several occasions about a creditor I have no affiliation with. XXXX XXXX XXXX XXXX has no legal authority or affiliation with me. I have tried on a number of attempts for them to remove the reporting. They are knowingly hurting my credit standing. They knowingly will not even report any information. I have submitted cancelled checks proving payments. I have provided my court ordered child support documents from the state of Georgia. The Georgia  court orders me to directly pay XXXX, my ex spouse directly. I have complied for over 10 years. 

I respectfully request these credit agencies remove this creditor immediately. It is very sad a Government department can abuse their power and authority and knowingly cause harm to an individual from another state that has absolutely no obligation to work with them. 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 2021-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I made double payment by mistake i.e. over paid about {$3200.00}, 45 days ago. 

Still struggling to get my money back. Now the agent says it could take another month or so for Bank of America to complete the investigation and provide me the money back. 

Business credit card ending in 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 monetary relief
Consumer complaint received 2020-02-01
Company: AES/PHEAA
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:
FedLoan Servicing is mismanaging the Public Service Loan Forgiveness Program. So far, they have failed to properly apply all of my qualifying payments. Although I have submitted my employment certification form each year and have made qualifying payments on each of my loans, there is a discrepancy in how the payments have been allocated. First off, not all of my qualifying payments are showing up in my account. The qualifying payments that do show up are unevenly distributed. Some of my loans show only 7 qualifying payments, while other loans show 16. I also submitted an employment certification form for my XXXX service over a year ago, and they have not processed and applied my qualifying payments to my account. I had to call four separate times to notify FedLoan servicing of the issue, before one of their representatives finally flagged the issue for future review. I call periodically to check up on the status of my account, and each time the representatives are unable to assist me. They say it's out of their hands and they have no idea how long it will take before someone reviews my account. The last representative informed me that they have such a long queue of people who have already completed 120 payments but still have not had their accounts reviewed, that they are unable to estimate how long it will take to look at my account. I was told that my account is not a priority given that I am not close to 120 payments, and this indicates a serious problem in FedLoan Servicing 's ability to manage the Public Service Loan Forgiveness Program. Especially since they are making mistakes on my account this early on, and are unable to fix the issues in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15
Company: Prince Parker & Associates
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have spoken with this debt collector multiple times via phone conversations and explained to them that this is not my account. The only account I have had with XXXX is for XXXX ... The account I had with XXXX was paid in full around the same time this collector began calling me about the account in question. This is basically fraud as it appears that someone has added my name to this account without my knowledge or consent, because based on the dates this appears to be a bill from the previous owners of this home, so it just leads me to inquire and ask how you would have associated my name with this account. I did not have any interest ( owner nor tenant ) in the property at any time prior to the XXXX of 2017. Per the bill that was sent, there was a carryover balance from XXXX of 2017, which is impossible as I did not own that property nor did I live at that address until XXXX of 2017. I have informed them repeatedly that this is not my account and I received a call stating that it was my final attempt to pay or this information will be added as a derogatory entry to my credit file. This is not my account!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I contacted Equifax today XX/XX/2020. They essentially told me that in order to have any access to services I needed to pay a fee. I am needing to place a freeze on my account due to ID theft ( already reported ) from  Texas unemployment. Even after explaining this situation they essentially told me that I would have to pay {$5.00} for trial access.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX  XXXX {$410.00} XXXX  XXXX XXXX {$350.00} XXXX  XXXX {$240.00} XXXX XXXX  XXXX {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Transferred money from my XXXX XXXX account to my Wells Fargo account via XXXX XXXX. XXXX XXXX has given me receipt numbers from Wells Fargo that they have the money since XXXX XXXX. Wells Fargo however says they dont recognise these numbers and the money is with XXXX XXXX. 

The numbers XXXX XXXX claims Wells Fargo gave them for the XXXX transactions are XXXX and XXXX. 

I am stuck between these XXXX where they both are not sorting out my problem and the only thing they say is the other has the money and i should contact 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 2019-08-20
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
On XX/XX/2018 these companys did I hard inquiry on y Credit Report and i did not ask them or give them my permission to do this I have talked with all credit bureaus and they say they will not help or investiagte inquirys I am looking for the companys to provide proof that I gave them permission to run my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX reporting me late on XX/XX/20, XX/XX/20, XX/XX/20. Due to the unforeseen events surround the Covid 19 pandemic I was severely financially impacted. My employer made the decision to cut my hours and it affected my pay. I have had an account with you for a very long and ask that you remove these lates. Under the federal mandate and CARE act you are not allowed to file late notations on credit during this pandemic. You keep verifying these but you are in violation. These needs to be removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Netspend Corporation
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My direct deposit has still yet to hit my account. I have heard nothing from them about what is going to happen going forward in this situation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX  also known as XXXX XXXX XXXX XXXX using different names acct # XXXX also put it as a charge off and a collection ( XXXX XXXX XXXX ( {$600.00} ). 
XXXX XXXX XXXX  acct XXXX XXXX XXXX XXXX XXXX acct XXXX XXXXXXXX. INQUIRIES that doesnt belongs on credit report. ( INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604A. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-06-04
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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : ( Original Creditor : XXXX XXXX XXXX   ), ( Original Creditor : XXXX XXXX XXXX ), ( XXXX Creditor : XXXX XXXX  ), ( Original Creditor : XXXX XXXXI ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
My issue is that I made an overpayment to my personal line of credit in the amount of {$14000.00} ( XXXX XXXX dollars overpaid ) and I am requesting that those funds get transferred to my personal checking account with the same bank and I am being told that the process will take 45 days, this is not acceptable The amount owed on the account was {$10000.00} and I accidentally paid {$24000.00} I am owed {$14000.00}, just to be clear

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 2021-02-24
Company: Experian Information Solutions Inc.
State: FL
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: Problem with personal statement of dispute

Complaint:
Hi, All the mayors credit reporting agencies still have one of my account on derogatory for over 7 years and they dont take it out. I am not able to build or get any type of personal credit.

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