BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$0.00}, XXXX OF XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, and XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I called to get information on my loan because I refinanced and could no longer see my account. The two individual could not tell me so with the first one I asked to speak with a supervisor or a manager and she told me there were none. I told her I was not born yesterday and the she told me the supervisor went on break so I hung up. I called back and then another person who was a loan officer had no clue of what was going on either so then he connected me to servicing department. This person was able to help me I think. This is not the only problem I have had with his company this is why I call to check on things. I think they are taking people for their money and this is why I refinanced. I am reporting NewRez Mortgage because I do not want this to happen to others that may not pay close attention or that do not know much about mortgage loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I WAS AWARDED XXXX DOLLARS FROM AN CAREER ENDING ACCIDENT WITH XXXX  XXXX AND XXXX AND XXXX. 
I PUT THE MONEY IN CITIBANK IN A VARIABLE ANNUITY. 
THAY THE BANK REMOVED XXXX DOLLARS AND IT RUINED MY RETIREMENT ACCT AND MY XXXX PENSION FOR THE LAST 15 YRS IN 2004. 
I HAVE CALLED AND REPORTED IT TO CITI BANK AND WRITEN SEVERAL TIMES TO THEM ALSO TRIED TO CONTACT ATTORNEYS TO NO AVAIL.

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 2020-05-05
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
By the time the CARES ACT was put into effect, our business revenue had dropped by 70 % so we chose to apply to Wells Fargo for temporary payment suspension on our home mortgage Act # XXXX. The application clearly stated " We won't charge late fees or report additional missed payments to the credit bureaus ''. Our mortgage was current at the time of the application. The application was granted on XX/XX/2020. On XXXX we noticed my wife 's XXXX credit score, as it appears on XXXX XXXX, had dropped 41 pts and mine, as it appears on XXXX XXXX had dropped 4 pts. This has been since the application was granted and after we did not make our XXXX mortgage payment. XXXX XXXX lists the reason for change as Wells Fargo using the term " Forbearance ''. XXXX lists Wells Fargo as the change and shows " Paid as Agreed '' and " Past Due Not Reported '' I contacted XXXX, ID : XXXX at Wells Fargo today, XXXXXXXX and in a conversation that I have recorded he stated they were being inundated with customer complaints and literally got a memo about this issue with talking points specifically naming XXXX XXXX within the hour of my call. He tried to assure me this should not have a negative effect on my ability to obtain credit and I stated that wasn't my concern. A 41 point drop on an XXXX  score is hardly re-assuring and the fact that is now a matter of record. I have not been able to reach any of the Credit Bureaus and I am seeking the CFPB 's help in getting this removed from our credit history and elevating our scores back to their previous levels.

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 2023-04-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account was basically closed due to overdraft fees that were applied

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I purchased a vehicle from a local car dealer in XX/XX/XXXX. I immediately had issues with this vehicle and worked with the dealer to remedy the malfunctions. I purchased a warranty that I had a number of issues trying to use. The transmission went out in the vehicle and I was unable to get the repairs made from the dealer nor by using the warranty I purchased. This created major problems for me financially and emotionally. The vehicle was repossessed in XX/XX/XXXX and no payments were made after the vehicle malfunctions. This item is being reported on my credit report as a charge off transaction as of XX/XX/XXXX, this information is inaccurate, the vehicle was charged off 1 year prior in XX/XX/XXXX after the repossession. I have tried to provide documentation to support my position in the dispute process but the credit reporting agency nor the creditor has produced documents to show that this debt is not over the 7 year statue of limitations. I am formalizing this complaint on the basis that the debt is well over 7 years old and should not appear on my credit report. 

I contacted the credit bureau in XX/XX/XXXX, XX/XX/XXXX, and most recently today using the online tools they provide. I have also written letters to the company disputing the timeliness of the reporting to the credit bureau.

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 2020-05-05
Company: Experian Information Solutions Inc.
State: IN
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:
Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Everytime I go to sent a moneygram to my son XXXX XXXX they keep stopping the transactions. This has happened quite a few times and then they take 3 days to put it back into my account. I send the money on line as I thought it would be faster, but the on going problems of them not letting me send it is frustrating. And they don ; t tell you if it did not go through as I had ended up also alot of times sent it twice without even knowing that I had did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON THE DISPUTED ACCOUNTS. MY XXXX, XXXX XXXX  AND XXXX XXXX XXXX   ACCOUNT ARE REPORTING LATES. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The receptionist at said facility assured me that they were in my insurance network and that there would be no copay during my visit but 6 months later I recieved a bill for {$210.00} my lawyers have sent all supporting documents to the medical facility and they agreed the debit was settled. Please remove this from my credit report it is affecting my ability to get a job and other financial products.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Aargon Agency, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) {$510.00} XXXX XXXX XXXX AARGON AGNCY ( Original Creditor : XXXX XXXX XXXX  ) {$3200.00} acct XXXX I have an unverified account from AARGON AGENCY Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AARGON AGENCY Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AARGON AGENCY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 
Company information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
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: Public record information inaccurate

Complaint:
I have respectfully requested for XXXX, Transunion and XXXX to remove bankruptcy on my credit report. 

It appears that XXXX has removed Bankruptcy from my credit Report. XXXX  has not sent me a verification of bankruptcy removal.

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 2023-03-25
Company: DISCOVER BANK
State: RI
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:
unauthorized inquiry XXXX XXXX XXXX dated XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX, XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX unauthorized inquiry, DISCOVER FINANCIAL SER, XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX XXXX XXXX XXXX unauthorized inquiry, XXXXXXXX XXXX XXXXXXXX, XXXX unauthorized inquiry, XXXX XXXX, XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX XXXXXXXX unauthorized inquiry, XXXX XXXX XXXXXXXX XXXX XXXX have communicated on numerous occasions that i NEVER have given my written consent to perform any credit check or look at my credit report. they have corrupted my privacy and hurt my credit score, I want these inquiries removed at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with XXXX plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: IN
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 disputes with Equifax, XXXX and XXXX regarding my report and inquiries that I did not approve. 

There is an inquiry from XXXX on XX/XX/XXXX with Equifax that I did not initiate or approve. I do not even do business with XXXX often enough to even justify a credit application. I can not contact their credit department either. 

There are 2 inquiries on my Equifax report from XXXX XXXX and from XXXX on XX/XX/XXXX that I also did not authorize. Then 2 inquiries on XXXX on XX/XX/XXXX from XXXX and XXXX XXXX XXXX  that I also did not authorize. Then on XXXX there was one from XXXX XXXX XXXX that I did not authorize. I communicated this with them and they have done nothing about these issues. I was informed of ONE credit inquiry and it turned out to be SIX inquiries which has caused so many issues. 

I have a current account with XXXX XXXX XXXX and was told they could increase my credit amount but was not informed of the inquiry that took place on XX/XX/XXXX with XXXX. I am a long standing customer and should have been informed of the correct process. Please remove. 

There is an inquiry from XXXX on XX/XX/XXXX that I did not authorize. I have no reason to have ever applied with XXXX as I live in an area where their service is not offered. Please remove. 

There is also a fraudulent account reporting to my Equifax from XXXX ... I have never done business with that company nor did I approve them to have access to my information so that is 100 % fraudulent. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Experian Information Solutions Inc.
State: NY
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 am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible 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 2020-05-05
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: Information belongs to someone else

Complaint:
XXXX Opened XX/XX/XXXX Updated XX/XX/XXXX XXXX XXXX   Opened XX/XX/XXXX Updated XX/XX/XXXX I have tried to contact both of these companies in reference to fraud. I have never opened or used either of these accounts. When speaking with Customer Service, she updated my personal information that I used to verify who I was. The crediting report agencies will not remove.

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 2019-04-12
Company: ERC
State: FL
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:
I was notified by my credit agencies that I had a New collection account posted. I was shocked because I've never had a collections account. I did research and noticed that the collection company " Enhanced Recovery company '' posted the account for the original creditor " XXXX ''. This specific debt they are referring to was discharged during my Chapter XXXX  no asset Bankruptcy in XX/XX/2015 and now 4 years later this company is illegally attempting to collect this debt and unlawfully posting this collections account to all 3 credit agencies. I've spoken to a representative and manager who showed not much desire to help me. I've attempted emailing them via their contact portal on the website and have not heard from them regarding their unlawful actions! Please help resolve this matter as it is affecting my credit very adversely!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Avant Credit Corporation
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I applied for a loan to this company, and I sign everything but I made one mistake and enter a wrong bank information because I was XXXX, and a few day later I call the company to hold on the fund and not processed it to the bank that was on the the application, and a customer service promised the fund wouldn't be transfer, and I was advice to send the correct bank information, and the money would be transfer. I thought they fix everything, after awhile I didn't see the money put into my bank account which was supposed to be around {$9000.00}, and I was told they deposit the money to the wrong bank account when I told them not. I was upset, and they charge me an administration fee which is {$500.00}, and I call the person they put the money to return the money to the account will the send it to me, and I was told yes. all of it was a lie. avant didn't inform me if I was going to get the money. I kept calling and customer services kept lying, and giving the resolution team kept have me waiting for weeks before emailing, and they unable to find a solution. and they want to make payment when I didn't received any fund from them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I purchased a vehicle from a company called XXXX XXXX XXXX XXXX. XXXX, FL XXXX. I paid exactly {$23000.00} CASH in XX/XX/XXXX for an XXXX XXXX. The company at the time unknowing to me was under some type of bankruptcy. I wrote the check out to the car dealership instead of the bank. The car dealership NEVER reported to the bank that I purchased the car in cash, instead they wrote it up as if I was financing the vehicle. I ended up paying the bank the full amount in XX/XX/XXXX just so that they can stop reporting to the credit bureau negative information. It now shows a repossession on my credit. I had to get a lawyer to threaten the dealership to pay me back my money that they took and never paid the bank with. They Finally gave me {$21000.00} back ( not the full amount ) however it shows on my credit report Repossession on all 3 bureaus. 
In conclusion, I purchased a car for {$23000.00} from a car lot. The car lot failed to pay the bank. Instead the car dealer created fraudulent documents stating I financed the vehicle. I obtained a lawyer to file a lawsuit, and the car lot then wrote me a check for {$21000.00}. It shows repo on all 3 credit reporting agencies when it should have never been on my credit because i paid cash for the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: AES/PHEAA
State: PA
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:
My student loans were in default. Last tax year XXXX, IRS garnished all {$9000.00} of my tax return to pay on this loan. This past XXXX tax year, IRS took the remaining {$4000.00} to finish paying the loan off. As of today, this account still shows that it is a collection! It is not, it is paid in full and should be saying so. It is hurting my credit report extremely negatively when I try to get new credit. This needs to show that all of the loan accounts are paid in full and needs to get off of my credit! ASAP. This is ridiculous, it's been over a year since payments have been applied!

Company response to consumer: Closed with explanation